Prashant S Rathi

US Patent:

8224723, Jul 17, 2012

Filed:

May 31, 2002

Appl. No.:

10/161347

Inventors:

Joel Joseph Bosch - San Francisco CA, US
Prashant Rathi - Fremont CA, US
Kathleen Marie Howcroft - Manchester NH, US
Robert McCoy West - Dublin CA, US

Assignee:

JPMorgan Chase Bank, N.A. - New York NY

International Classification:

G06Q 40/00

US Classification:

705 35, 705 38

Abstract:

A system that facilitates opening of a bank account by banking personnel for a customer. The account opening system includes an automatic rate determination feature that uses customer information, account information and other criteria to determine an account interest rate. The rate determination system may also mediate rate negotiation between a personal banker and the customer by limiting the increase in rate awarded by the personal banker. An auditing system assigns numbers to a series of profiles, each describing a request to open an account. Profiles to be audited are determined by generating random numbers that fall within the range of assigned profile numbers. Random number generation is repeated until a threshold percentage of profiles have been selected for auditing. The account opening system includes a system for tracking the progress of the account application and for organizing information recorded by the personal banker during interactions with the customer.

US Patent:

8548886, Oct 1, 2013

Filed:

Apr 26, 2012

Appl. No.:

13/456699

Inventors:

Joel Joseph Bosch - San Francisco CA, US
Prashant Rathi - Fremont CA, US
Kathleen Marie Howcroft - Manchester NH, US
Robert McCoy West - Dublin CA, US

Assignee:

JPMorgan Chase Bank, N.A. - New York NY

International Classification:

G06Q 40/00

US Classification:

705 35, 705 42, 705 39

Abstract:

A system that facilitates opening of a bank account by banking personnel for a customer. The account opening system includes an automatic rate determination feature that uses customer information, account information and other criteria to determine an account interest rate. The rate determination system may also mediate rate negotiation between a personal banker and the customer by limiting the increase in rate awarded by the personal banker. An auditing system assigns numbers to a series of profiles, each describing a request to open an account. Profiles to be audited are determined by generating random numbers that fall within the range of assigned profile numbers. Random number generation is repeated until a threshold percentage of profiles have been selected for auditing. The account opening system includes a system for tracking the progress of the account application and for organizing information recorded by the personal banker during interactions with the customer.

US Patent:

20100150059, Jun 17, 2010

Filed:

Dec 15, 2008

Appl. No.:

12/335420

Inventors:

Sterling Hughes - San Mateo CA, US
Jana Van Greunen - Redwood City CA, US
Prashant Rathi - Mountain View CA, US

Assignee:

SILVER SPRING NETWORKS, INC. - Redwood City CA

International Classification:

H04L 12/56
H04W 84/18

US Classification:

370328, 370400, 370401, 375132

Abstract:

A method of routing in a network includes dividing a time corresponding to a predetermined maximum registration age of a first node registered with a second node into a number of first time intervals and second time intervals. The first time intervals each have a predetermined duration and the second time intervals each have a duration greater than the predetermined duration of the first time intervals. Each of the first and second time intervals are assigned a metric designating a cost associated with a path between the first node and the second node. The metric increases in value for each of the first and second time intervals as registration age increases. The second node sends a message including the metric associated with the time interval during which it is transmitted.