Patents by Inventor Gurpreet Atwal
Gurpreet Atwal 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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Publication number: 20240161093Abstract: A method for linking an initial authentication of an online transaction to a subsequent authorization of the online transaction is provided.Type: ApplicationFiled: November 14, 2022Publication date: May 16, 2024Inventors: Shivani Magarkar, Gurpreet Atwal, Jaipal Singh Kumawat
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Patent number: 11935064Abstract: Authenticating a secure element payment card includes transmitting a cold reset signal to the payment card and receiving an answer-to-reset message therefrom. The answer-to-reset message includes governing rules for performing a transaction, including a rule indicating that a secure data element is to be used to authenticate the payment card. The process also includes receiving payment account details for a payment account associated with the payment card. A payment authorization request message is transmitted to an interchange network and a card authentication request message is then received from the interchange network. The card authentication request message includes an encrypted instruction, which is transmitted to the secure element payment card. The secure data element is received from the payment card and a card authentication request response message is then transmitted to the interchange network. A payment authorization request response message is then received from the interchange network.Type: GrantFiled: November 19, 2021Date of Patent: March 19, 2024Assignee: Mastercard International IncorporatedInventors: Jaipal Singh Kumawat, Gurpreet Atwal
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Patent number: 11836719Abstract: An authentication server computing device is provided. The authentication server computing device is configured to receive a transaction request from an audio interface device, generate a first audio file including a first audio transmission, wherein the first audio transmission includes a primary security artifact and at least one secondary security artifact and the primary security artifact is an encoding of a one-time password, store a reference data file including the first audio transmission, transmit the first audio file to a verified user computing device associated with the account identifier, receive a second audio file from the audio interface device, wherein the second audio file includes a second audio transmission, verify the second audio transmission by comparing the second audio transmission to the reference data file including the primary security artifact and the at least one secondary security artifact, and authorize the transaction based on verifying the second audio transmission.Type: GrantFiled: October 25, 2021Date of Patent: December 5, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Jaipal Singh Kumawat, Gurpreet Atwal
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Patent number: 11809415Abstract: A method for ensuring compliance with data localization rules and regulations for blockchain data values in a blockchain network includes: a local node in a first country receiving a submission for a new blockchain transaction; identifying that the new blockchain transaction involves at least one entity in a foreign country; confirming the new blockchain transaction; transmitting the confirmed blockchain transaction to a foreign node located in the foreign country; generating a new block in the local node that includes the confirmed blockchain transaction; and distributing the new block to other nodes located in the same country as the local node.Type: GrantFiled: March 25, 2022Date of Patent: November 7, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Jaipal Singh Kumawat, Gurpreet Atwal, Chandan Garg
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Patent number: 11803858Abstract: The disclosure includes systems and methods for disabling a payment function of a transaction card. The system receives payment account data from a transaction card and transmits a payment authorization request message to a card issuer associated with the transaction card. The system receives, from the card issuer, an authorization request response message. The authorization request response message declines the transaction and includes a status response code corresponding to a status of the transaction card. The system determines whether the status response code indicates that the transaction card is to be captured, and if so, disables the payment function of the transaction card via activation of a disabling system.Type: GrantFiled: January 14, 2022Date of Patent: October 31, 2023Assignee: Mastercard International IncorporatedInventors: Jaipal Singh Kumawat, Gurpreet Atwal
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Publication number: 20220398577Abstract: A verification computing system for verifying operation of a payment terminal and a payment processing network linking the payment terminal to a payment processor is provided. The verification computing system includes at least one verification computing module including at least one processor. The verification computing module is programmed to receive a test request message corresponding to a test payment card transaction from the payment terminal, identify a void flag included in the test request message, and bypass a settlement process for the test payment card transaction based on the identified void flag. The verification computing module is further configured to determine an operating status of the payment terminal and the payment processing network, generate a test response message based upon the determination, and transmit the test response message to the payment terminal for notifying a user.Type: ApplicationFiled: August 8, 2022Publication date: December 15, 2022Inventors: Jaipal Singh Kumawat, Vipul Mehrotra, Gurpreet Atwal
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Patent number: 11410172Abstract: A verification computing system for verifying operation of a payment terminal and a payment processing network linking the payment terminal to a payment processor is provided. The verification computing system includes at least one verification computing module including at least one processor. The verification computing module is programmed to receive a test request message corresponding to a test payment card transaction from the payment terminal, identify a void flag included in the test request message, and bypass a settlement process for the test payment card transaction based on the identified void flag. The verification computing module is further configured to determine an operating status of the payment terminal and the payment processing network, generate a test response message based upon the determination, and transmit the test response message to the payment terminal for notifying a user.Type: GrantFiled: December 31, 2019Date of Patent: August 9, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Jaipal Singh Kumawat, Vipul Mehrotra, Gurpreet Atwal
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Publication number: 20220215015Abstract: A method for ensuring compliance with data localization rules and regulations for blockchain data values in a blockchain network includes: a local node in a first country receiving a submission for a new blockchain transaction; identifying that the new blockchain transaction involves at least one entity in a foreign country; confirming the new blockchain transaction; transmitting the confirmed blockchain transaction to a foreign node located in the foreign country; generating a new block in the local node that includes the confirmed blockchain transaction; and distributing the new block to other nodes located in the same country as the local node.Type: ApplicationFiled: March 25, 2022Publication date: July 7, 2022Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Jaipal Singh KUMAWAT, Gurpreet ATWAL, Chandan GARG
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Publication number: 20220156747Abstract: Authenticating a secure element payment card includes transmitting a cold reset signal to the payment card and receiving an answer-to-reset message therefrom. The answer-to-reset message includes governing rules for performing a transaction, including a rule indicating that a secure data element is to be used to authenticate the payment card. The process also includes receiving payment account details for a payment account associated with the payment card. A payment authorization request message is transmitted to an interchange network and a card authentication request message is then received from the interchange network. The card authentication request message includes an encrypted instruction, which is transmitted to the secure element payment card. The secure data element is received from the payment card and a card authentication request response message is then transmitted to the interchange network. A payment authorization request response message is then received from the interchange network.Type: ApplicationFiled: November 19, 2021Publication date: May 19, 2022Applicant: Mastercard International IncorporatedInventors: Jaipal Singh Kumawat, Gurpreet Atwal
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Publication number: 20220138758Abstract: The disclosure includes systems and methods for disabling a payment function of a transaction card. The system receives payment account data from a transaction card and transmits a payment authorization request message to a card issuer associated with the transaction card. The system receives, from the card issuer, an authorization request response message. The authorization request response message declines the transaction and includes a status response code corresponding to a status of the transaction card. The system determines whether the status response code indicates that the transaction card is to be captured, and if so, disables the payment function of the transaction card via activation of a disabling system.Type: ApplicationFiled: January 14, 2022Publication date: May 5, 2022Applicant: Mastercard International IncorporatedInventors: Jaipal Singh Kumawat, Gurpreet Atwal
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Patent number: 11301459Abstract: A method for ensuring compliance with data localization rules and regulations for blockchain data values in a blockchain network includes: a local node in a first country receiving a submission for a new blockchain transaction; identifying that the new blockchain transaction involves at least one entity in a foreign country; confirming the new blockchain transaction; transmitting the confirmed blockchain transaction to a foreign node located in the foreign country; generating a new block in the local node that includes the confirmed blockchain transaction; and distributing the new block to other nodes located in the same country as the local node.Type: GrantFiled: July 24, 2019Date of Patent: April 12, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Jaipal Singh Kumawat, Gurpreet Atwal, Chandan Garg
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Patent number: 11263639Abstract: The disclosure includes systems and methods for disabling a payment function of a transaction card. The system receives payment account data from a transaction card and transmits a payment authorization request message to a card issuer associated with the transaction card. The system receives, from the card issuer, an authorization request response message. The authorization request response message declines the transaction and includes a status response code corresponding to a status of the transaction card. The system determines whether the status response code indicates that the transaction card is to be captured, and if so, disables the payment function of the transaction card via activation of a disabling system.Type: GrantFiled: January 30, 2020Date of Patent: March 1, 2022Assignee: Mastercard International IncorporatedInventors: Jaipal Singh Kumawat, Gurpreet Atwal
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Publication number: 20220044239Abstract: An authentication server computing device is provided. The authentication server computing device is configured to receive a transaction request from an audio interface device, generate a first audio file including a first audio transmission, wherein the first audio transmission includes a primary security artifact and at least one secondary security artifact and the primary security artifact is an encoding of a one-time password, store a reference data file including the first audio transmission, transmit the first audio file to a verified user computing device associated with the account identifier, receive a second audio file from the audio interface device, wherein the second audio file includes a second audio transmission, verify the second audio transmission by comparing the second audio transmission to the reference data file including the primary security artifact and the at least one secondary security artifact, and authorize the transaction based on verifying the second audio transmission.Type: ApplicationFiled: October 25, 2021Publication date: February 10, 2022Inventors: Jaipal Singh Kumawat, Gurpreet Atwal
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Patent number: 11200572Abstract: An authentication server computing device is provided. The authentication server computing device is configured to receive a transaction request from an audio interface device, generate a first audio file including a first audio transmission, wherein the first audio transmission includes a primary security artifact and at least one secondary security artifact and the primary security artifact is an encoding of a one-time password, store a reference data file including the first audio transmission, transmit the first audio file to a verified user computing device associated with the account identifier, receive a second audio file from the audio interface device, wherein the second audio file includes a second audio transmission, verify the second audio transmission by comparing the second audio transmission to the reference data file including the primary security artifact and the at least one secondary security artifact, and authorize the transaction based on verifying the second audio transmission.Type: GrantFiled: February 27, 2019Date of Patent: December 14, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Jaipal Singh Kumawat, Gurpreet Atwal
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Publication number: 20210248600Abstract: The disclosure includes systems and methods for authenticating a user with a one-time password having a one-time password offset parameter. The system receives a transaction authorization request message that includes a payment card identifier. A database is searched using the payment card identifier. The system retrieves contact details for a cardholder from the database. The system generates a one-time password and transmits the generated one-time password to the cardholder using the contact details. The system also receives a calculated one-time password response from the cardholder. The system retrieves a rule for producing the calculated one-time password response and a one-time password offset parameter from the database. A test one-time password is produced from the one-time password offset parameter based on the retrieved rule. The calculated one-time password response is compared to the test one-time password, and the calculated one-time password response value is authenticated based on a match.Type: ApplicationFiled: February 7, 2020Publication date: August 12, 2021Applicant: Mastercard International IncorporatedInventors: Chandan Garg, Jaipal Singh Kumawat, Gurpreet Atwal
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Publication number: 20210241283Abstract: The disclosure includes systems and methods for disabling a payment function of a transaction card. The system receives payment account data from a transaction card and transmits a payment authorization request message to a card issuer associated with the transaction card. The system receives, from the card issuer, an authorization request response message. The authorization request response message declines the transaction and includes a status response code corresponding to a status of the transaction card. The system determines whether the status response code indicates that the transaction card is to be captured, and if so, disables the payment function of the transaction card via activation of a disabling system.Type: ApplicationFiled: January 30, 2020Publication date: August 5, 2021Applicant: Mastercard International IncorporatedInventors: Jaipal Singh Kumawat, Gurpreet Atwal
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Publication number: 20210233088Abstract: A token/alert service system has a database and server. The server is programed to receive a transaction message from a merchant. The message corresponds to a transaction associated with a payment card of a consumer. The server determines whether the message is an authorization request message and, based on the determination that the electronic transaction message is an authorization request message, extracts the primary account number from the message. The server transmits a transaction alert message to the consumer. The alert message includes a request that the consumer respond to the alert message approving or rejecting the transaction. The server receives a response from the consumer and, if the response approves the transaction, transmits a token request message to a card issuer of the payment card. The server generates a token, transmits the token to the merchant, and receives from the merchant, a second authorization request message using the token.Type: ApplicationFiled: January 24, 2020Publication date: July 29, 2021Applicant: Mastercard International IncorporatedInventors: Vipul Mehrotra, Jaipal Singh Kumawat, Gurpreet Atwal
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Publication number: 20210201313Abstract: A verification computing system for verifying operation of a payment terminal and a payment processing network linking the payment terminal to a payment processor is provided. The verification computing system includes at least one verification computing module including at least one processor. The verification computing module is programmed to receive a test request message corresponding to a test payment card transaction from the payment terminal, identify a void flag included in the test request message, and bypass a settlement process for the test payment card transaction based on the identified void flag. The verification computing module is further configured to determine an operating status of the payment terminal and the payment processing network, generate a test response message based upon the determination, and transmit the test response message to the payment terminal for notifying a user.Type: ApplicationFiled: December 31, 2019Publication date: July 1, 2021Inventors: Jaipal Singh Kumawat, Vipul Mehrotra, Gurpreet Atwal
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Publication number: 20210026841Abstract: A method for ensuring compliance with data localization rules and regulations for blockchain data values in a blockchain network includes: a local node in a first country receiving a submission for a new blockchain transaction; identifying that the new blockchain transaction involves at least one entity in a foreign country; confirming the new blockchain transaction; transmitting the confirmed blockchain transaction to a foreign node located in the foreign country; generating a new block in the local node that includes the confirmed blockchain transaction; and distributing the new block to other nodes located in the same country as the local node.Type: ApplicationFiled: July 24, 2019Publication date: January 28, 2021Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Jaipal Singh KUMAWAT, Gurpreet ATWAL, Chandan GARG
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Patent number: 10902486Abstract: A method for managing payment vehicle data based on location information is provided. The method includes receiving at least one payment vehicle attribute of at least one payment vehicle, receiving location information specifying a geographical location for use of the at least one payment vehicle, retrieving payment vehicle data from one or more databases based on the at least one payment vehicle attribute, filtering the payment vehicle data using the location information, to exclude data that is not applicable to the geographical location, and displaying the filtered payment vehicle data to the user.Type: GrantFiled: December 16, 2016Date of Patent: January 26, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Jaipal Singh Kumawat, Hemant Arora, Gurpreet Atwal