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).
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Patent number: 11853984Abstract: 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: GrantFiled: December 8, 2021Date of Patent: December 26, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ajit Madhukar Karnik, Supriya Kumthekar, Rupali Devashish Pandya
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Publication number: 20220101284Abstract: 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: ApplicationFiled: December 8, 2021Publication date: March 31, 2022Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ajit Madhukar KARNIK, Supriya KUMTHEKAR, Rupali Devashish PANDYA
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Patent number: 11227267Abstract: 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: GrantFiled: November 21, 2016Date of Patent: January 18, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ajit Madhukar Karnik, Supriya Kumthekar, Rupali Devashish Pandya
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Patent number: 10672003Abstract: 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: GrantFiled: December 1, 2016Date of Patent: June 2, 2020Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Rupali Devashish Pandya, Supriya Kumthekar, Ajit Madhukar Karnik
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Patent number: 10462838Abstract: 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: GrantFiled: August 17, 2016Date of Patent: October 29, 2019Assignee: Mastercard International IncorportedInventor: Ajit Madhukar Karnik
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Publication number: 20170186013Abstract: 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: ApplicationFiled: December 1, 2016Publication date: June 29, 2017Inventors: Rupali Devashish PANDYA, Supriya KUMTHEKAR, Ajit Madhukar KARNIK
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Publication number: 20170178097Abstract: 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: ApplicationFiled: November 21, 2016Publication date: June 22, 2017Applicant: Mastercard International IncorporatedInventors: Ajit Madhukar KARNIK, Supriya KUMTHEKAR, Rupali Devashish PANDYA
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Publication number: 20170052658Abstract: 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: ApplicationFiled: August 17, 2016Publication date: February 23, 2017Inventor: Ajit Madhukar Karnik