Ravi K Avula

20180293579, Oct 11, 2018

Apr 6, 2017

15/481248

- Purchase NY, US
Ravi Kiran Avula - Lake St. Louis MO, US
Uttra Singh Tetali - Dardenne Prairie MO, US

G06Q 20/40
G06Q 20/20
G06Q 20/36
G06Q 20/10

A computer-implemented method for enhancing user authentication is provided. The method is implemented using an authentication computing device in communication with a memory. The method includes storing a plurality of user preferences associated with a user account. The user preferences are rule-based preferences that define steps to be taken for authenticating the user for accessing the user account. The method also includes receiving an authentication request for access to the user account, determining one or more authentication challenges based, at least in part, on the user preferences, transmitting the one or more authentication challenges to be presented to a user attempting to access the user account, and determining whether to authenticate the user based on a response to the one or more authentication challenges.

20140222597, Aug 7, 2014

Feb 4, 2013

13/758431

- New York NY, US
Ravi Avula - Lake Saint Louis MO, US

MASTERCARD INTERNATIONAL INCORPORATED - New York NY

G06Q 20/36

705 21, 705 41

An intelligent wallet (IW) computer device is provided for recommending a payment card from a plurality of payment cards to a cardholder for use in a payment transaction with a merchant. The IW computer device includes a memory device for storing data and a processor in communication with the memory device. The processor is programmed to receive event data and transaction data associated with the payment transaction. The transaction data includes product identifier data and purchase amount data. The processor is further programmed to receive payment card rules and cardholder preferences for each of the plurality of payment cards associated with the cardholder and to recommend a candidate payment card from the plurality of payment cards. The candidate payment card is recommended by processing the event data and the transaction data with the payment card rules and the cardholder preferences.