Rangarajan Umamaheswaran from 1724 Morning Arbor Way, Simi Valley, CA 93065, age 52, Phone: (805)5770133

Cell Level Data Encryption
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US Patent:

20130019104, Jan 17, 2013
Filed:

Jul 13, 2011
Appl. No.:

13/182216
Inventors:

Miroslav Halas - Charlottesville VA, US
Rangarajan Umamaheswaran - Simi Valley CA, US
Assignee:

BANK OF AMERICA CORPORATION - CHARLOTTE NC
International Classification:

G06F 21/24
US Classification:

713189
Abstract:

Embodiments of the invention provide for cell level data encryption. The methods, apparatus and computer program products herein described provide for the encryption of individual data values without requiring adjacent data valued to also be encrypted. For example, in situations where individual data values are arranged in a database that is visualized as a two-dimensional representation, individual data values may be encrypted without requiring horizontally or vertically adjacent data values to also be encrypted. In situations where data values is transmitted and visualized as a sequential stream of data values, one data value may be encrypted without requiring previous or subsequent data values to be encrypted. In some such examples, an individual data value may be encrypted without requiring the entire transmission channel to be encrypted.

Risk Score Determination
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US Patent:

20130024238, Jan 24, 2013
Filed:

Jul 19, 2011
Appl. No.:

13/186125
Inventors:

Brett A. Nielson - Spangle WA, US
Rangarajan Umamaheswaran - Simi Valley CA, US
Assignee:

Bank of America Corporation - Charlotte NC
International Classification:

G06Q 10/00
US Classification:

705 728
Abstract:

Embodiments of the invention are directed to systems, methods and computer program products for determining a risk score for an agent associated with an entity. In some embodiments, a method includes: (a) receiving first information associated with an agent's action related to an account and/or an agent's actions over a predetermined period of time related to one or more applications, and (b) determining a first risk score based at least partially on the first information. In some embodiments, the method further includes: (c) receiving, from a data system, second information associated with the agent, where the second information comprises one or more entitlements granted to the agent by the entity, and (d) determining a second risk score based at least partially on both the first information and the second information. Embodiments of the invention allow an entity to monitor an agent's actions and determine whether the agent's actions, either singly or cumulatively, pose a risk to the customer's account and/or other information provided by the customer.

Insider Threat Detection
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US Patent:

20130024239, Jan 24, 2013
Filed:

Jul 20, 2011
Appl. No.:

13/187296
Inventors:

Thomas Clayton Baker - Thousand Oaks CA, US
Brett A. Nielson - Spangle WA, US
Rangarajan Umamaheswaran - Simi Valley CA, US
Bruce Wyatt Englar - Ventura CA, US
Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC
International Classification:

G06Q 10/00
US Classification:

705 728
Abstract:

Embodiments of the invention are directed to systems, methods and computer program products for determining a threat associated with an agent's provision of a service to an outsider. In some embodiments, a method includes: (a) receiving first information associated with the outsider, (b) receiving, from a data system, second information associated with the agent, where the agent provided the service to the outsider, and (c) determining a relationship between the outsider and the agent. In some embodiments, the method further includes: (d) receiving third information associated with the agent's provision of the service to the outsider, and (e) determining an abnormal event associated with the service.

Claims Data Analysis
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US Patent:

20130024338, Jan 24, 2013
Filed:

Jul 20, 2011
Appl. No.:

13/186578
Inventors:

BRETT A. NIELSON - SPANGLE WA, US
RANGARAJAN UMAMAHESWARAN - SIMI VALLEY CA, US
Assignee:

BANK OF AMERICA CORPORATION - CHARLOTTE NC
International Classification:

G06Q 40/00
G06Q 99/00
US Classification:

705 35, 705325
Abstract:

Embodiments of the invention provide for claims data analysis. The methods, apparatus and computer program products provide for receiving claims data pertaining to an abnormal event related to at least one customer account held at an entity and determining which individuals associated with the entity interacted with the customer accounts in the claims data. In addition, several embodiments described herein contemplate analysis of additional information associated with each claim to detect relationships amongst and between claims, customer accounts, and individuals who interacted with customer accounts that are the subject of claims. In such embodiments, investigation of claims may be targeted and allow for a more efficient identification of potentially culpable individuals and rapid exoneration of innocent individuals.

Creating Federated Customer Identifiers To Positively Identify Customers Interfacing With A Business Across Access Platforms
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US Patent:

20130304661, Nov 14, 2013
Filed:

May 10, 2012
Appl. No.:

13/468820
Inventors:

Rangarajan Umamaheswaran - Simi Valley CA, US
Bruce Wyatt Englar - Ventura CA, US
Brett A. Nielson - Spangle WA, US
Miroslav Halas - Charlottesville VA, US
Assignee:

Bank of America Corporation - Charlotte NC
International Classification:

G06Q 99/00
US Classification:

705325
Abstract:

Methods, apparatus, systems and computer program products described and claimed that provide for automatically and positively determining that a customer interfacing with one business platform application using a platform-specific customer identifier is the same customer that is interfacing with another business platform application using another platform-specific customer identifier. Once the positive determination of same customer is made, a federated identifier key is generated and applied to all of the platforms, so as to globally identify the customer across multiple enterprise-wide platforms. As such, the present invention eliminates the labor-intensive need to manually analyze customer data to determine if a customer interfacing with one platform is the same customer interfacing with another platform.

Creating Federated Associate Identifiers To Positively Identify Associates Interfacing Across Multiple Business Applications
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US Patent:

20130305317, Nov 14, 2013
Filed:

May 10, 2012
Appl. No.:

13/468813
Inventors:

Rangarajan Umamaheswaran - Simi Valley CA, US
Bruce Wyatt Englar - Ventura CA, US
Brett A. Nielson - Spangle WA, US
Miroslav Halas - Charlottesville VA, US
Assignee:

Bank of America Corporation - Charlotte NC
International Classification:

G06F 21/20
US Classification:

726 4
Abstract:

Methods, apparatus, systems and computer program products are described and claimed that provide for automatically and positively determining that an associate accessing a business domain/application using an application-specific associate identifier is the same associate that is accessing another business domain/application using another application-specific associate identifier. Once the positive determination of same associate is made, a federated identifier key is generated and applied to all of the platforms in which the associate can be positively identified, so as to globally identify the associates across multiple enterprise-wide domains/applications. As such, the present invention eliminates the need to manually analyze associate data to determine if an associate interfacing with one domain/application is the same associate interfacing with another domain/application.