Patents by Inventor Himanshu Lal

Himanshu Lal 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: 9064251
    Abstract: A chip card payment processor interface component exposes a plurality of different interfaces for a plurality of different chip card payment processors. A chip card peripheral device interface component exposes a plurality of different chip card peripheral device interfaces for a plurality of different chip card peripheral devices. A payment services component can thus interact with the plurality of different chip card peripheral devices in conducting a transaction, and can also interact with a plurality of different chip card payment processors to authenticate and validate the transaction.
    Type: Grant
    Filed: November 16, 2011
    Date of Patent: June 23, 2015
    Assignee: MICROSOFT TECHNOLOGY LICENSING, LLC
    Inventors: Himanshu Lal, Ruben Delgado
  • Patent number: 8655733
    Abstract: Architecture that employs a software development kit and an add-in model to collect payment data and communicate with payment processors in a point-of-sale (POS) application to meet new requirements in new markets. Data gathered from an add-in and from the POS application can be combined and then communicated to the payment processor. The payment method can be determined and payment processing routed to different payment processors based on data and schema of data collected is also described. An add-in can also programmatically obtain information from the POS application information about a transaction and authorize a payment. A payment collecting/processing API is the interface between the POS application tender logic and payment collecting/processing logic and defines how a payment collecting/processing add-in interacts with the POS application.
    Type: Grant
    Filed: August 27, 2009
    Date of Patent: February 18, 2014
    Assignee: Microsoft Corporation
    Inventors: Gang Chen, Balaji Balasubramanian, Dmitry V. Belikov, Himanshu Lal
  • Publication number: 20130124348
    Abstract: A chip card payment processor interface component exposes a plurality of different interfaces for a plurality of different chip card payment processors. A chip card peripheral device interface component exposes a plurality of different chip card peripheral device interfaces for a plurality of different chip card peripheral devices. A payment services component can thus interact with the plurality of different chip card peripheral devices in conducting a transaction, and can also interact with a plurality of different chip card payment processors to authenticate and validate the transaction.
    Type: Application
    Filed: November 16, 2011
    Publication date: May 16, 2013
    Applicant: Microsoft Corporation
    Inventors: Himanshu Lal, Ruben Delgado
  • Patent number: 8412632
    Abstract: A point-of-sale (POS) module and associated methods are described for performing a transaction involving a check. The POS module interacts with one or more add-in modules. Each add-in module is associated with a particular method for processing a payment using a check. Accordingly, the POS module can accommodate multiple different workflows by plugging in appropriate add-in modules.
    Type: Grant
    Filed: May 30, 2008
    Date of Patent: April 2, 2013
    Assignee: Microsoft Corporation
    Inventors: Mehul Shah, Himanshu Lal, Daniel L. Reed
  • Patent number: 8260668
    Abstract: A method and system for providing an extensible framework for a POS application is provided. A POS application may be extended using a payment format add-in, a workflow add-in, a financial services provider add-in, or a combination of add-ins. A payment format add-in provides support for a payment format not included in the payment formats built into the POS application. A workflow add-in provides a configurable workflow that can be used to extend a built-in payment format or a payment format add-in. A financial services provider add-in provides support for interacting with a financial services provider for which the POS application does not provide built-in support. Each add-in can implement, for example, logic for processing a payment transaction, a portion of a payment transaction, and configuring steps for processing a payment transaction.
    Type: Grant
    Filed: February 28, 2011
    Date of Patent: September 4, 2012
    Assignee: Microsoft Corporation
    Inventors: Mehul Y. Shah, Himanshu Lal
  • Publication number: 20110161186
    Abstract: A method and system for providing an extensible framework for a POS application is provided. A POS application may be extended using a payment format add-in, a workflow add-in, a financial services provider add-in, or a combination of add-ins. A payment format add-in provides support for a payment format not included in the payment formats built into the POS application. A workflow add-in provides a configurable workflow that can be used to extend a built-in payment format or a payment format add-in. A financial services provider add-in provides support for interacting with a financial services provider for which the POS application does not provide built-in support. Each add-in can implement, for example, logic for processing a payment transaction, a portion of a payment transaction, and configuring steps for processing a payment transaction.
    Type: Application
    Filed: February 28, 2011
    Publication date: June 30, 2011
    Applicant: Microsoft Corporation
    Inventors: Mehul Y. Shah, Himanshu Lal
  • Patent number: 7904339
    Abstract: A method and system for providing an extensible framework for a POS application is provided. A POS application may be extended using a payment format add-in, a workflow add-in, a financial services provider add-in, or a combination of add-ins. A payment format add-in provides support for a payment format not included in the payment formats built into the POS application. A workflow add-in provides a configurable workflow that can be used to extend a built-in payment format or a payment format add-in. A financial services provider add-in provides support for interacting with a financial services provider for which the POS application does not provide built-in support. Each add-in can implement, for example, logic for processing a payment transaction, a portion of a payment transaction, and configuring steps for processing a payment transaction.
    Type: Grant
    Filed: June 20, 2008
    Date of Patent: March 8, 2011
    Assignee: Microsoft Corporation
    Inventors: Mehul Y. Shah, Himanshu Lal
  • Publication number: 20110055033
    Abstract: Architecture that employs a software development kit and an add-in model to collect payment data and communicate with payment processors in a point-of-sale (POS) application to meet new requirements in new markets. Data gathered from an add-in and from the POS application can be combined and then communicated to the payment processor. The payment method can be determined and payment processing routed to different payment processors based on data and schema of data collected is also described. An add-in can also programmatically obtain information from the POS application information about a transaction and authorize a payment. A payment collecting/processing API is the interface between the POS application tender logic and payment collecting/processing logic and defines how a payment collecting/processing add-in interacts with the POS application.
    Type: Application
    Filed: August 27, 2009
    Publication date: March 3, 2011
    Inventors: Gang Chen, Balaji Balasubramanian, Dmitry V. Belikov, Himanshu Lal
  • Publication number: 20090319382
    Abstract: A method and system for providing an extensible framework for a POS application is provided. A POS application may be extended using a payment format add-in, a workflow add-in, a financial services provider add-in, or a combination of add-ins. A payment format add-in provides support for a payment format not included in the payment formats built into the POS application. A workflow add-in provides a configurable workflow that can be used to extend a built-in payment format or a payment format add-in. A financial services provider add-in provides support for interacting with a financial services provider for which the POS application does not provide built-in support. Each add-in can implement, for example, logic for processing a payment transaction, a portion of a payment transaction, and configuring steps for processing a payment transaction.
    Type: Application
    Filed: June 20, 2008
    Publication date: December 24, 2009
    Applicant: Microsoft Corporation
    Inventors: Mehul Y. Shah, Himanshu Lal
  • Publication number: 20090299863
    Abstract: A point-of-sale (POS) module and associated methods are described for performing a transaction involving a check. The POS module interacts with one or more add-in modules. Each add-in module is associated with a particular method for processing a payment using a check. Accordingly, the POS module can accommodate multiple different workflows by plugging in appropriate add-in modules.
    Type: Application
    Filed: May 30, 2008
    Publication date: December 3, 2009
    Applicant: MICROSOFT CORPORATION
    Inventors: Mehul Shah, Himanshu Lal, Daniel L. Reed