Inventor · disambiguated record
Udaya Kumar Raju Ratnakaram
Also filed as: RATNAKARAM UDAYA KUMAR RAJU
48 granted patents·6 pending applications·25 citations·filing 2017–2024
96Inventor score
Files withBANK OF AMERICA54
Top patents by PatentIndex Score
54 records- 0193US11880814B2IoT-enabled digital paymentsBANK OF AMERICA·Filed 2022·Granted Jan 23, 2024·2 cites·26 claims
- 0292US11265396B1System for cross channel data caching for performing electronic activitiesBANK OF AMERICA·Filed 2020·Granted Mar 1, 2022·3 cites·20 claims
- 0388US12045822B2Multi-computer system with dynamic authentication for optimized queue management based on facial recognitionBANK OF AMERICA·Filed 2022·Granted Jul 23, 2024·2 cites·21 claims
- 0488US11892937B2Developer test environment with containerization of tightly coupled systemsBANK OF AMERICA·Filed 2022·Granted Feb 6, 2024·2 cites·11 claims
- 0587US12299685B2Hosting account linking services to enable dynamic authentication and device selectionBANK OF AMERICA·Filed 2022·Granted May 13, 2025·2 cites·8 claims
- 0685US11321063B1Web-based customer service via single-class rebuildBANK OF AMERICA·Filed 2021·Granted May 3, 2022·2 cites·21 claims
- 0784US11381783B1Apparatus and methods for remote view of safe deposit box contentsBANK OF AMERICA·Filed 2021·Granted Jul 5, 2022·2 cites·13 claims
- 0883US11709765B1Intelligent test cases generation based on voice conversationBANK OF AMERICA·Filed 2022·Granted Jul 25, 2023·4 cites·18 claims
- 0980US11438251B1System and method for automatic self-resolution of an exception error in a distributed networkBANK OF AMERICA·Filed 2022·Granted Sep 6, 2022·1 cites·20 claims
- 1075US11094174B1Intelligent processing of broken or failed ATM transactionsBANK OF AMERICA·Filed 2020·Granted Aug 17, 2021·1 cites·20 claims
- 1171US11317282B2Intelligent method for sim-swap fraud detection and preventionBANK OF AMERICA·Filed 2019·Granted Apr 26, 2022·2 cites·20 claims
- 1269US12401641B2System and method for authenticating interactions with dynamically varying digital resources linked to resource distribution devicesBANK OF AMERICA·Filed 2024·Granted Aug 26, 2025·0 cites·18 claims
- 1368US10802973B1Data access toolBANK OF AMERICA·Filed 2019·Granted Oct 13, 2020·2 cites·20 claims
- 1462US11669316B2Web-based customer service via single-class rebuildBANK OF AMERICA·Filed 2022·Granted Jun 6, 2023·0 cites·22 claims
- 1560US12041048B2System and method for authenticating interactions with dynamically varying digital resources linked to resource distribution devicesBANK OF AMERICA·Filed 2022·Granted Jul 16, 2024·0 cites·20 claims
- 1657US12361430B2System for dynamic data encryption in an active network sessionBANK OF AMERICA·Filed 2022·Granted Jul 15, 2025·0 cites·20 claims
- 1757US12073376B2Light-weight and secure payment processing using a low-power wide-area networking protocolBANK OF AMERICA·Filed 2022·Granted Aug 27, 2024·0 cites·17 claims
- 1857US11652961B2Apparatus and methods for remote view of safe deposit box contentsBANK OF AMERICA·Filed 2022·Granted May 16, 2023·0 cites·7 claims
- 1957US11289080B2Security toolBANK OF AMERICA·Filed 2019·Granted Mar 29, 2022·0 cites·20 claims
- 2055US12081975B2Intelligent method for SIM-swap fraud detection and preventionBANK OF AMERICA·Filed 2022·Granted Sep 3, 2024·0 cites·16 claims
- 2155US11816668B2Dynamic contactless payment based on facial recognitionBANK OF AMERICA·Filed 2022·Granted Nov 14, 2023·0 cites·21 claims
- 2255US11704669B1Dynamic contactless payment processing based on real-time contextual informationBANK OF AMERICA·Filed 2022·Granted Jul 18, 2023·0 cites·21 claims
- 2353US12437304B2Intelligent coordination of transaction processing in a multi-device networkBANK OF AMERICA·Filed 2022·Granted Oct 7, 2025·0 cites·20 claims
- 2453US11354640B2Dynamically authorizing and processing contactless eventsBANK OF AMERICA·Filed 2020·Granted Jun 7, 2022·0 cites·23 claims
- 2553US2023214801A1Dynamic Intelligent Selection Based on Multi-Device Contextual DataBANK OF AMERICA·Filed 2022·Application pending·0 cites
- 2653US2023306404A1Dynamic Selection of Processing Devices in a Multi-Device NetworkBANK OF AMERICA·Filed 2022·Application pending·0 cites
- 2753US2022405730A1Conducting Secure Fragmented Payment TransactionsBANK OF AMERICA·Filed 2021·Application pending·0 cites
- 2853US2022405723A1Conducting Secure Fragmented Payment TransactionsBANK OF AMERICA·Filed 2021·Application pending·0 cites
- 2952US12190368B2Multi-computer system for optimized queue management based on facial recognitionBANK OF AMERICA·Filed 2022·Granted Jan 7, 2025·0 cites·21 claims
- 3052US11757649B2Enhanced authentication framework using multi-dimensional hashingBANK OF AMERICA·Filed 2021·Granted Sep 12, 2023·0 cites·20 claims
- 3152US2023306415A1Contextual Selection of Payment Devices for Transactions in a NetworkBANK OF AMERICA·Filed 2022·Application pending·0 cites
- 3251US12028203B2Self-resolution of exception errors in a distributed networkBANK OF AMERICA·Filed 2022·Granted Jul 2, 2024·0 cites·20 claims
- 3351US11551213B1Specialized transaction execution via assistive devicesBANK OF AMERICA·Filed 2021·Granted Jan 10, 2023·0 cites·14 claims
- 3450US11527250B2Method and system for mobile data communicationBANK OF AMERICA·Filed 2020·Granted Dec 13, 2022·0 cites·20 claims
- 3550US11341486B2System for secure transfer of encrypted resources and asynchronous executionBANK OF AMERICA·Filed 2018·Granted May 24, 2022·0 cites·16 claims
- 3650US11328274B2Data processing system and method for managing electronic split transactions using user profilesBANK OF AMERICA·Filed 2020·Granted May 10, 2022·0 cites·20 claims
- 3750US2021383398A1Methods, devices, and systems for mobile device operations during telephone callsBANK OF AMERICA·Filed 2020·Application pending·0 cites
- 3847US12169837B2Verifying external accounts in real-time using dynamic smart contractsBANK OF AMERICA·Filed 2021·Granted Dec 17, 2024·0 cites·20 claims
- 3947US11907928B2Methods, devices, and systems for mobile device operations during telephone callsBANK OF AMERICA·Filed 2020·Granted Feb 20, 2024·0 cites·16 claims
- 4046US12142268B2Multicomputer system providing voice enabled event processingBANK OF AMERICA·Filed 2021·Granted Nov 12, 2024·0 cites·18 claims
- 4146US11914498B2Selective induction of binary code at run-time for web-based customer serviceBANK OF AMERICA·Filed 2021·Granted Feb 27, 2024·0 cites·18 claims
- 4246US11343259B2Electronic system for dynamic stepped multi-level authenticationBANK OF AMERICA·Filed 2020·Granted May 24, 2022·0 cites·20 claims
- 4345US11769127B2Intelligent processing of broken or failed ATM transactionsBANK OF AMERICA·Filed 2020·Granted Sep 26, 2023·0 cites·14 claims
- 4445US11599627B2System employing smart device for secure and authenticated event executionBANK OF AMERICA·Filed 2018·Granted Mar 7, 2023·0 cites·17 claims
- 4545US11494753B2Contactless event processingBANK OF AMERICA·Filed 2020·Granted Nov 8, 2022·0 cites·18 claims
- 4645US11411805B1System and method for detecting root cause of an exception error in a task flow in a distributed networkBANK OF AMERICA·Filed 2021·Granted Aug 9, 2022·0 cites·17 claims
- 4745US11017064B2Authentication using interprogram communicationBANK OF AMERICA·Filed 2019·Granted May 25, 2021·0 cites·18 claims
- 4841US12230110B2Queue management for pre-staged transactions at ultra-wide enabled ATMsBANK OF AMERICA·Filed 2021·Granted Feb 18, 2025·0 cites·19 claims
- 4941US12058249B2Pre-staged transactions with ultra-wideband networking and haptic feedbackBANK OF AMERICA·Filed 2021·Granted Aug 6, 2024·0 cites·18 claims
- 5041US11962706B2Hosting account linking services to enable dynamic authentication and multi-computer event processingBANK OF AMERICA·Filed 2022·Granted Apr 16, 2024·0 cites·21 claims
Showing the top 50 of 54 patent records by PatentIndex Score.
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Identity basis: PatentsView inventor disambiguation (2025Q4-odp release). How scoring works →