Patents by Inventor Ganesh SHINDE
Ganesh SHINDE 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: 11741446Abstract: A system comprises a server configured for performing steps of receiving, from an acquirer financial institution for a merchant, details of a transaction and a common virtual payment token. The transaction details include details of the merchant. Identification details of a set of consumer payment instruments associated with the common virtual payment token are retrieved from a consumer database. The consumer payment instrument for the merchant is selected from the set of consumer payment instruments, based on the merchant details. Payment details of the selected consumer payment instrument are retrieved from the consumer database. The transaction is processed with the selected consumer payment instrument by communicating to an issuer financial institution for the selected consumer payment instrument, the transaction details and the payment details of the selected consumer payment instrument.Type: GrantFiled: April 7, 2022Date of Patent: August 29, 2023Assignee: Mastercard International IncorporatedInventors: Navneet Jain, Ganesh Shinde
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Patent number: 11538043Abstract: A server and method for processing a card-not-present transaction whereby a purchaser selects to use one or more friends' card to obtain a reward is disclosed. The server comprises at least a computer processor to: (i) receive, from a merchant server, a payment request including a contact mechanism for the friend(s); (ii) send a selection request to the friend(s) using the contact mechanism; (iii) receive, from the friend(s) a selection response including card number(s) eligible for the reward; (iv) request the issuer server(s) for authentication and blocking the amount; (v) track a cumulative amount dynamically and repeat steps (iii) and (iv) until equal to or greater than the payment amount; (vi) generate a virtual card number for one time use based on the card number(s); and (vii) send a payment response to the merchant server including the virtual card number for the purchaser to complete the transaction.Type: GrantFiled: July 17, 2019Date of Patent: December 27, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ganesh Shinde, Ravi Pareek, Arunmurthy Gurunathan
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Publication number: 20220230152Abstract: A system comprises a server configured for performing steps of receiving, from an acquirer financial institution for a merchant, details of a transaction and a common virtual payment token. The transaction details include details of the merchant. Identification details of a set of consumer payment instruments associated with the common virtual payment token are retrieved from a consumer database. The consumer payment instrument for the merchant is selected from the set of consumer payment instruments, based on the merchant details. Payment details of the selected consumer payment instrument are retrieved from the consumer database. The transaction is processed with the selected consumer payment instrument by communicating to an issuer financial institution for the selected consumer payment instrument, the transaction details and the payment details of the selected consumer payment instrument.Type: ApplicationFiled: April 7, 2022Publication date: July 21, 2022Applicant: Mastercard International IncorportedInventors: Navneet Jain, Ganesh Shinde
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Patent number: 11328276Abstract: The present disclosure generally relates to an electronic system, a computerized method, and a non-transitory computer-readable storage medium comprising instructions for processing a transaction between a consumer and a merchant with a payment instrument of the consumer selected for the merchant.Type: GrantFiled: June 20, 2019Date of Patent: May 10, 2022Assignee: Mastercard International IncorporatedInventors: Navneet Jain, Ganesh Shinde
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Patent number: 11107082Abstract: A method and system are provided for authorizing an electronic transaction between two entities. The method includes receiving, at a verification module, coincidentally captured facial image data relating to both of the two entities and authenticating each of the two entities based on a comparison between the coincidentally captured facial image data and respective facial image templates relating to each of the two entities enrolled in a database. The method also includes retrieving, from the database, account data relating to each of the two entities based on the coincidentally captured facial image data, on determining that each of the two entities are positively authenticated, and generating an authorization message for authorizing the electronic transaction, where the authorization message comprises the account data relating to each of the two entities retrieved from the database.Type: GrantFiled: August 4, 2017Date of Patent: August 31, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Arunmurthy Gurunathan, Ravi Pareek, Ganesh Shinde
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Patent number: 11074564Abstract: A payment network server for processing a payment transaction at a point-of-sale terminal is described. The server comprises a transaction module, a query module and a transfer module. The transaction module is configured to: (i) receive a payment transaction request comprising at least transaction details and a fund transfer indicator, the transaction details comprise at least a customer identifier, a merchant identifier, and a payment amount, the fund transfer indicator indicating that the payment transaction is to be processed by fund transfer; and (ii) transmit a payment transaction response indicating if the payment transaction is approved or refused to proceed.Type: GrantFiled: October 10, 2018Date of Patent: July 27, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Arunmurthy Gurunathan, Ravi Pareek, Ganesh Shinde
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Publication number: 20200051085Abstract: A server and method for processing a card-not-present transaction whereby a purchaser selects to use one or more friends' card to obtain a reward is disclosed. The server comprises at least a computer processor to: (i) receive, from a merchant server, a payment request including a contact mechanism for the friend(s); (ii) send a selection request to the friend(s) using the contact mechanism; (iii) receive, from the friend(s) a selection response including card number(s) eligible for the reward; (iv) request the issuer server(s) for authentication and blocking the amount; (v) track a cumulative amount dynamically and repeat steps (iii) and (iv) until equal to or greater than the payment amount; (vi) generate a virtual card number for one time use based on the card number(s); and (vii) send a payment response to the merchant server including the virtual card number for the purchaser to complete the transaction.Type: ApplicationFiled: July 17, 2019Publication date: February 13, 2020Inventors: Ganesh SHINDE, Ravi PAREEK, Arunmurthy GURUNATHAN
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Publication number: 20190392411Abstract: The present disclosure generally relates to an electronic system, a computerized method, and a non-transitory computer-readable storage medium comprising instructions for processing a transaction between a consumer and a merchant with a payment instrument of the consumer selected for the merchant.Type: ApplicationFiled: June 20, 2019Publication date: December 26, 2019Applicant: Mastercard International IncorporatedInventors: Navneet Jain, Ganesh Shinde
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Publication number: 20190362339Abstract: Embodiments provide methods, and server systems for facilitating payment transaction using a preferred digital wallet application. In an embodiment, the method includes receiving, by a server system, a unique reference number associated with a payment card linked with a plurality of digital wallet applications of a user on an e-commerce website for making a payment transaction. The method includes accessing a mapping database to extract the plurality of digital wallet applications using the unique reference number. The method includes selecting a preferred digital wallet application based on a type of the payment transaction and at least one predefined criteria being usage information of each digital wallet application. The method includes facilitating a display of the preferred digital wallet application on a user device of the user.Type: ApplicationFiled: April 4, 2019Publication date: November 28, 2019Applicant: Mastercard International IncorporatedInventors: Arunmurthy Gurunathan, Ganesh Shinde, Ravi Pareek
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Publication number: 20190303923Abstract: Embodiments provide methods, and server systems for updating an existing currency plan profile to a currency plan profile for a payment card. The method includes facilitating, by an issuer server of a payment network, payment transaction between an issuer account associated with a payment card of a customer and an acquirer account associated with a travel booking entity. The payment transaction is associated with a foreign travel booking request. The method further includes generating a currency plan profile for the payment card in response to one or more travel details of the foreign travel booking request. The method includes providing the currency plan profile to the customer for approval of the customer. Upon receipt of the approval from the customer, an existing currency plan profile of the payment card is updated to the currency plan profile for facilitating a future payment transaction from the issuer account in a foreign destination.Type: ApplicationFiled: February 26, 2019Publication date: October 3, 2019Inventors: Amarpreet Singh Arora, Khushboo Singhal, Ganesh Shinde, Dattesh Naik, Arunmurthy Gurunathan, Rohit Mali
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Publication number: 20190295072Abstract: A transaction authorization method includes generation of a unique identification code for registering a user as an on-behalf payee for an account based on a registration request raised by an account holder of the account. The user is authorized to perform on-behalf transactions from the account by using the unique identification code. The account holder is notified, when the user performs an on-behalf transaction from the account. The on-behalf transaction is authorized, when the account holder approves the on-behalf transaction and is declined, when the account holder rejects the on-behalf transaction.Type: ApplicationFiled: March 18, 2019Publication date: September 26, 2019Inventors: Navneet Jain, Ganesh Shinde, Ravi Pareek
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Publication number: 20190205983Abstract: A server for processing a payment transaction initiated by a customer using various financial assets is described. The server comprising a transaction module, an inquiry module and an authorisation module. The transaction module is configured to: (i) receive a transaction authorisation request comprising at least a payment amount and an account identifier associated with the customer; and (ii) transmit a transaction authorisation response indicating if the payment transaction is approved or refused. The inquiry module is configured to: (i) determine if an available balance of a primary account associated with the account identifier is less than the payment amount; and (ii) determine if the account identifier is associated with a secondary account if the available balance of the primary account is less than the payment amount, the secondary account being associated with a customer financial asset.Type: ApplicationFiled: December 19, 2018Publication date: July 4, 2019Applicant: Mastercard International IncorporatedInventors: Arunmurthy Gurunathan, Ganesh Shinde, Ketan Shrikant Joshi, Gaurav K. Patni
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Publication number: 20190188670Abstract: A payment network server for processing a payment transaction at a point-of-sale terminal is described. The server comprises a transaction module, a query module and a transfer module. The transaction module is configured to: (i) receive a payment transaction request comprising at least transaction details and a fund transfer indicator, the transaction details comprise at least a customer identifier, a merchant identifier, and a payment amount, the fund transfer indicator indicating that the payment transaction is to be processed by fund transfer; and (ii) transmit a payment transaction response indicating if the payment transaction is approved or refused to proceed.Type: ApplicationFiled: October 10, 2018Publication date: June 20, 2019Inventors: Arunmurthy Gurunathan, Ravi Pareek, Ganesh Shinde
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Publication number: 20180322496Abstract: A system and method for automated switching of payment devices in a financial transaction are provided. The method comprises, in response to a payment status message from an issuer of a primary payment device which is indicative of a partial approval or a decline of a payment transaction request for the primary payment device, retrieving, from a database, identification data for a secondary payment device which is associated with the primary payment device; generating a secondary payment instruction comprising the identification data of the secondary payment device and an amount or a remaining amount of the payment transaction; and transmitting the payment instruction to an issuer of the secondary payment device.Type: ApplicationFiled: May 2, 2018Publication date: November 8, 2018Inventors: Ravi Pareek, Arunmurthy Gurunathan, Ganesh Shinde
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Publication number: 20180053190Abstract: A method and system are provided for authorizing an electronic transaction between two entities. The method includes receiving, at a verification module, coincidentally captured facial image data relating to both of the two entities and authenticating each of the two entitiesbased on a comparison between the coincidentally captured facial image data and respective facial image templates relating to each of the two entities enrolled in a database. The method also includes retrieving, from the database, account data relating to each of the two entities based on the coincidentally captured facial image data, on determining that each of the two entities are positively authenticated, and generating an authorization message for authorizing the electronic transaction, where the authorization message comprises the account data relating to each of the two entities retrieved from the database.Type: ApplicationFiled: August 4, 2017Publication date: February 22, 2018Inventors: Arunmurthy Gurunathan, Ravi Pareek, Ganesh Shinde
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Publication number: 20140302138Abstract: An extended release matrix tablet for once daily administration comprising Carbamazepine or a pharmaceutically acceptable salt thereof and one or more pharmaceutical excipients and process for preparing the same and is bioequivalent to FDA approved Carbamazepine extended release tablet formulations (TEGRETOL®-XR).Type: ApplicationFiled: October 13, 2012Publication date: October 9, 2014Inventors: Rajesh Kshirsagar, Ganesh Shinde, Amit Kandikurwar
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Publication number: 20130034605Abstract: An extended release pharmaceutical composition comprising Paliperidone or pharmaceutically acceptable salts thereof and one or more pharmaceutical excipients and process for preparing the same. The present invention particularly relates to an extended release pharmaceutical composition comprising Paliperidone or pharmaceutically acceptable salts thereof and one or more pharmaceutical excipients wherein the core is coated with multiple coatings.Type: ApplicationFiled: September 23, 2011Publication date: February 7, 2013Applicant: MICRO LABS LIMITEDInventors: Rajesh KSHIRSAGAR, Ganesh SHINDE, Pravin KAMBLE
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Publication number: 20120201886Abstract: A non-osmotic coated extended release pharmaceutical composition comprising Paliperidone or pharmaceutically acceptable salts thereof and one or more pharmaceutical excipients and process for preparing the same. The present invention particularly relates to a non-osmotic coated extended release pharmaceutical composition comprising Paliperidone or pharmaceutically acceptable salts thereof and one or more pharmaceutical excipients wherein the core is coated with a release controlling composition.Type: ApplicationFiled: July 29, 2011Publication date: August 9, 2012Applicant: MICRO LABS LIMITEDInventors: Rajesh Kshirsagar, Ganesh SHINDE, Pravin KAMBLE
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Publication number: 20110318413Abstract: The present invention relates to an extended release formulation comprising darifenacin or pharmaceutically acceptable salts thereof and one or more release controlling hydrophobic materials optionally coated with combination of one or more release controlling hydrophobic materials and one or more release controlling hydrophilic materials; wherein said formulation provides controlled release of the darifenacin over the period of 24 hours. The present invention further relates to an extended release formulation comprising darifenacin or pharmaceutically acceptable salts thereof, wherein darifenacin is incorporated in a matrix comprising one or more release controlling hydrophobic materials and one or more release controlling hydrophilic materials.Type: ApplicationFiled: June 22, 2011Publication date: December 29, 2011Applicant: MICRO LABS LIMITEDInventors: Rajesh Kshirsagar, Ganesh Shinde, Pravin Kamble
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Publication number: 20110159092Abstract: The present invention provides an extended release pharmaceutical composition suitable for once daily dosing comprising Linezolid or pharmaceutically acceptable salt, derivative, prodrug, metabolite and polymorph thereof and one or more pharmaceutically acceptable excipients and a process of preparing the same. The present invention further provides a method of treating bacterial infections in a mammal comprising administering an extended release, pharmaceutical composition suitable for once daily dosing comprising Linezolid capable of maintaining T>MIC for at least 24 hours.Type: ApplicationFiled: December 29, 2010Publication date: June 30, 2011Applicant: MICRO LABS LIMITEDInventors: Rajesh KSHIRSAGAR, Sachin MUNDADE, Ganesh SHINDE, Pravin KAMBLE, SM MUDDA, Shivanand DHANURE