Durga S Kala

Title: Innovations by Durga S Kala in ATM Fraud Detection

Introduction

Durga S Kala is an accomplished inventor based in Foster City, CA, with a remarkable portfolio of nine patents. His work primarily focuses on enhancing security measures in automated teller machines (ATMs) to combat fraud effectively.

Latest Patents

One of his latest patents is a system, method, and computer program product for real-time automated teller machine fraud detection and prevention. This innovative method involves receiving transaction data in real-time during processing at a transaction service provider system. It includes storing this data in a distributed cache and modifying a profile of ATM activity. The system compares metrics of the profile to predetermined ATM activity thresholds and activates fraud prevention operations before a user transaction is completed. This can include declining the transaction, disabling a transaction account, or communicating alerts to issuers.

Another significant patent by Durga S Kala is a system, method, and computer program product for false decline mitigation. This method involves obtaining an objective function associated with an issuer system and training a neural network based on prior transaction data. The trained neural network processes transaction data to generate an exclude account list, allowing subsequent transactions to be authorized without applying real-time decisioning rules.

Career Highlights

Durga S Kala is currently employed at Visa International Service Association, where he continues to innovate in the field of financial technology. His contributions have significantly advanced the security measures in ATM transactions, making them safer for users.

Collaborations

He has collaborated with notable coworkers, including Juharasha Shaik and Navendu Misra, who share his commitment to enhancing transaction security.

Conclusion

Durga S Kala's innovative patents and contributions to ATM fraud detection and prevention highlight his expertise in financial technology. His work not only improves security measures but also enhances user trust in automated banking systems.