Patents by Inventor Gautam Seshan Raj

Gautam Seshan Raj 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).

  • SYSTEMS AND METHODS FOR END TO END ENCRYPTION UTILIZING A COMMERCE PLATFORM FOR CARD NOT PRESENT TRANSACTIONS
    Publication number: 20240020705
    Abstract: A method and apparatus for processing a transaction between a merchant system and a customer system, the customer system associated with a customer of the merchant are described. The method may include receiving, at a commerce platform, a transaction request from the merchant system, wherein the transaction request is generated by the merchant system and comprises a card identifier and encrypted payment card data, wherein the card identifier is determined from card data for a payment card used in the transaction and the encrypted payment card data comprises at least an encryption of a payment account number. The method may also include decrypting, by the commerce platform, the encrypted payment card data using an encryption key selected based on the card identifier, the encryption key associated with the commerce platform. Furthermore, the method may include authorizing, by the commerce platform in communication with one or more authorization systems, the transaction using the decrypted payment card data.
    Type: Application
    Filed: September 27, 2023
    Publication date: January 18, 2024
    Inventors: Jonathan Wall, Ross Favero, Gautam Seshan Raj, Eric Glass
  • Systems and methods for end to end encryption utilizing a commerce platform for card not present transactions
    Patent number: 11810121
    Abstract: A method and apparatus for processing a transaction between a merchant system and a customer system, the customer system associated with a customer of the merchant are described. The method may include receiving, at a commerce platform, a transaction request from the merchant system, wherein the transaction request is generated by the merchant system and comprises a card identifier and encrypted payment card data, wherein the card identifier is determined from card data for a payment card used in the transaction and the encrypted payment card data comprises at least an encryption of a payment account number. The method may also include decrypting, by the commerce platform, the encrypted payment card data using an encryption key selected based on the card identifier, the encryption key associated with the commerce platform. Furthermore, the method may include authorizing, by the commerce platform in communication with one or more authorization systems, the transaction using the decrypted payment card data.
    Type: Grant
    Filed: July 26, 2019
    Date of Patent: November 7, 2023
    Assignee: STRIPE, INC.
    Inventors: Jonathan Wall, Ross Favero, Gautam Seshan Raj, Eric Glass
  • SYSTEMS AND METHODS FOR END TO END ENCRYPTION UTILIZING A COMMERCE PLATFORM FOR CARD NOT PRESENT TRANSACTIONS
    Publication number: 20210027297
    Abstract: A method and apparatus for processing a transaction between a merchant system and a customer system, the customer system associated with a customer of the merchant are described. The method may include receiving, at a commerce platform, a transaction request from the merchant system, wherein the transaction request is generated by the merchant system and comprises a card identifier and encrypted payment card data, wherein the card identifier is determined from card data for a payment card used in the transaction and the encrypted payment card data comprises at least an encryption of a payment account number. The method may also include decrypting, by the commerce platform, the encrypted payment card data using an encryption key selected based on the card identifier, the encryption key associated with the commerce platform. Furthermore, the method may include authorizing, by the commerce platform in communication with one or more authorization systems, the transaction using the decrypted payment card data.
    Type: Application
    Filed: July 26, 2019
    Publication date: January 28, 2021
    Inventors: Jonathan Wall, Ross Favero, Gautam Seshan Raj, Eric Glass