Patents by Inventor Ajit Madhukar Karnik

Ajit Madhukar Karnik has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Patent number: 11853984
    Abstract: A method is proposed for a payer, to make a payment to a payee, such as a merchant. The payer's communication device automatically acquires payment facilitation data comprising payee account identification data identifying a payment account associated with the payee and maintained by an acquirer. The payment facilitation data preferably also includes transaction data describing the payment, such as the amount of the payment. From the payment facilitation data, the communication device generates a payment request which is transmitted to an issuer at which the payer maintains a payment account. The issuer communicates with the acquirer, typically via a payment network, to arrange for a payment to be made, and the payment is credited to the payment account associated with the payee, and debited from the payment account associated with the payer. Thus, a payment is effected without the payee ever receiving confidential information about the payer's payment account.
    Type: Grant
    Filed: December 8, 2021
    Date of Patent: December 26, 2023
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Ajit Madhukar Karnik, Supriya Kumthekar, Rupali Devashish Pandya
  • Publication number: 20220101284
    Abstract: A method is proposed for a payer, to make a payment to a payee, such as a merchant. The payer's communication device automatically acquires payment facilitation data comprising payee account identification data identifying a payment account associated with the payee and maintained by an acquirer. The payment facilitation data preferably also includes transaction data describing the payment, such as the amount of the payment. From the payment facilitation data, the communication device generates a payment request which is transmitted to an issuer at which the payer maintains a payment account. The issuer communicates with the acquirer, typically via a payment network, to arrange for a payment to be made, and the payment is credited to the payment account associated with the payee, and debited from the payment account associated with the payer. Thus, a payment is effected without the payee ever receiving confidential information about the payer's payment account.
    Type: Application
    Filed: December 8, 2021
    Publication date: March 31, 2022
    Applicant: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Ajit Madhukar KARNIK, Supriya KUMTHEKAR, Rupali Devashish PANDYA
  • Patent number: 11227267
    Abstract: A method is proposed for a payer, to make a payment to a payee, such as a merchant. The payer's communication device automatically acquires payment facilitation data comprising payee account identification data identifying a payment account associated with the payee and maintained by an acquirer. The payment facilitation data preferably also includes transaction data describing the payment, such as the amount of the payment. From the payment facilitation data, the communication device generates a payment request which is transmitted to an issuer at which the payer maintains a payment account. The issuer communicates with the acquirer, typically via a payment network, to arrange for a payment to be made, and the payment is credited to the payment account associated with the payee, and debited from the payment account associated with the payer. Thus, a payment is effected without the payee ever receiving confidential information about the payer's payment account.
    Type: Grant
    Filed: November 21, 2016
    Date of Patent: January 18, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Ajit Madhukar Karnik, Supriya Kumthekar, Rupali Devashish Pandya
  • Patent number: 10672003
    Abstract: A method for facilitating supply of a requested service, being supplied after successful identity authentication, is provided. The method includes utilizing a network switch to link a service provider, which offers the requested service, to a biometric data archive, which performs verification of received biometric data to authenticate identity. The method also includes receiving, in the network switch, a result of the biometric data verification from the biometric data archive. The method further includes directing the result to the service provider for the service provider to determine supply of the requested service based on the result.
    Type: Grant
    Filed: December 1, 2016
    Date of Patent: June 2, 2020
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Rupali Devashish Pandya, Supriya Kumthekar, Ajit Madhukar Karnik
  • Patent number: 10462838
    Abstract: A computer implemented method of controlling a slave communication device from a master communication device is provided. The method includes displaying, on a display of the master communication device, an indication of a plurality of slave devices paired with the master communication device, receiving, on the master communication device, a user selection of a slave communication device from the plurality of slave communication devices, displaying, on the master communication device, a representation of at least part of a user interface of the selected slave communication device, receiving a user interaction with the virtual phone display region, transmitting control signals on the wireless network connection to cause the selected slave communication device establish a voice call, and transmitting and receiving bi-directional audio signals to and from the slave communication device over the wireless network connection to facilitate the voice call.
    Type: Grant
    Filed: August 17, 2016
    Date of Patent: October 29, 2019
    Assignee: Mastercard International Incorported
    Inventor: Ajit Madhukar Karnik
  • Publication number: 20170186013
    Abstract: A method for facilitating supply of a requested service, being supplied after successful identity authentication, is provided. The method includes utilizing a network switch to link a service provider, which offers the requested service, to a biometric data archive, which performs verification of received biometric data to authenticate identity. The method also includes receiving, in the network switch, a result of the biometric data verification from the biometric data archive. The method further includes directing the result to the service provider for the service provider to determine supply of the requested service based on the result.
    Type: Application
    Filed: December 1, 2016
    Publication date: June 29, 2017
    Inventors: Rupali Devashish PANDYA, Supriya KUMTHEKAR, Ajit Madhukar KARNIK
  • Publication number: 20170178097
    Abstract: A method is proposed for a payer, to make a payment to a payee, such as a merchant. The payer's communication device automatically acquires payment facilitation data comprising payee account identification data identifying a payment account associated with the payee and maintained by an acquirer. The payment facilitation data preferably also includes transaction data describing the payment, such as the amount of the payment. From the payment facilitation data, the communication device generates a payment request which is transmitted to an issuer at which the payer maintains a payment account. The issuer communicates with the acquirer, typically via a payment network, to arrange for a payment to be made, and the payment is credited to the payment account associated with the payee, and debited from the payment account associated with the payer. Thus, a payment is effected without the payee ever receiving confidential information about the payer's payment account.
    Type: Application
    Filed: November 21, 2016
    Publication date: June 22, 2017
    Applicant: Mastercard International Incorporated
    Inventors: Ajit Madhukar KARNIK, Supriya KUMTHEKAR, Rupali Devashish PANDYA
  • Publication number: 20170052658
    Abstract: A computer implemented method of controlling a slave communication device from a master communication device is provided. The method includes displaying, on a display of the master communication device, an indication of a plurality of slave devices paired with the master communication device, receiving, on the master communication device, a user selection of a slave communication device from the plurality of slave communication devices, displaying, on the master communication device, a representation of at least part of a user interface of the selected slave communication device, receiving a user interaction with the virtual phone display region, transmitting control signals on the wireless network connection to cause the selected slave communication device establish a voice call, and transmitting and receiving bi-directional audio signals to and from the slave communication device over the wireless network connection to facilitate the voice call.
    Type: Application
    Filed: August 17, 2016
    Publication date: February 23, 2017
    Inventor: Ajit Madhukar Karnik