Patents by Inventor Parveen Bansal
Parveen Bansal 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: 20230274341Abstract: A direct payment token generation method provides executable codes to a client device. The executable codes invokes functionalities in a browser application. The set of executable codes further provides login prompts to the user for logging to a virtual wallet account. The method provides a list of products for purchase from merchants in response to a successful login to the virtual wallet account. A graphical element is provided for purchasing one provided product from one of the merchants. In response to receiving a selection of the provided graphical element confirming the purchase, a payment token is generated for the virtual wallet account. The received selection includes confirming detailed information of the purchase. The payment token is transmitted to the client device and is embedded in a payment payload with the detailed information of the purchase. The payment load is transmitted to the one of the merchants to complete the purchase.Type: ApplicationFiled: May 9, 2023Publication date: August 31, 2023Applicant: Visa International Service AssociationInventors: Aparna GIRISH, Parveen BANSAL
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Patent number: 11687997Abstract: A direct payment token generation method provides executable codes to a client device. The executable codes invokes functionalities in a browser application. The set of executable codes further provides login prompts to the user for logging to a virtual wallet account. The method provides a list of products for purchase from merchants in response to a successful login to the virtual wallet account. A graphical element is provided for purchasing one provided product from one of the merchants. In response to receiving a selection of the provided graphical element confirming the purchase, a payment token is generated for the virtual wallet account. The received selection includes confirming detailed information of the purchase. The payment token is transmitted to the client device and is embedded in a payment payload with the detailed information of the purchase. The payment load is transmitted to the one of the merchants to complete the purchase.Type: GrantFiled: January 26, 2018Date of Patent: June 27, 2023Assignee: Visa International Service AssociationInventors: Aparna Girish, Parveen Bansal
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Publication number: 20230052004Abstract: Expedited E-Commerce Tokenization alleviates the above mentioned concerns associated with cards for merchants as well as PSPs using tokens by establishing E-Commerce browser standards around tokenization for merchants and PSPs through a standard manner of requesting customer data in an encrypted manner following a standard.Type: ApplicationFiled: August 31, 2022Publication date: February 16, 2023Inventors: Aparna Krishnan Girish, Parveen Bansal
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Patent number: 11449863Abstract: Expedited E-Commerce Tokenization alleviates concerns associated with cards for merchants as well as payment service providers (PSPs) using tokens by establishing E-Commerce browser standards around tokenization for merchants and PSPs through a standard manner of requesting customer data in an encrypted manner following a standard.Type: GrantFiled: April 11, 2017Date of Patent: September 20, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Aparna Krishnan Girish, Parveen Bansal
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Patent number: 11398910Abstract: Systems and methods of the invention are directed to provisioning a token by a secure authentication system. A user may initiate a transaction that causes a resource provider computer to transmit an authentication request message to a directory server computer. The directory server computer may transmit the authentication request message to an access control server computer for authentication. Subsequent to receiving the authentication request message, the directory server computer may request a token for the transaction from a token provider computer. If authentication is successful, the token may be included in an authentication response message transmitted by the directory server computer to the resource provider computer. The token may then be utilized by the resource provider computer in lieu of sensitive user information for any suitable purpose. In some embodiments, user-specific-data provided by the access control server computer may be included in the authentication response message.Type: GrantFiled: October 22, 2019Date of Patent: July 26, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Aparna Krishnan Girish, Parveen Bansal
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Patent number: 10911456Abstract: Techniques for provisioning access data may include receiving, by a first application installed on a communication device, user input selecting an account to provision to a second application installed on the communication device. The first application may invoke the second application and send a session identifier (ID) to the second application. The second application may send a user ID associated with the second application, a device ID, and the session ID to the first application. The first application may then generate encrypted provisioning request data and send the encrypted provisioning request data to the second application. The second application may send the encrypted provisioning request data to a remote server computer to request access data that can be used to access a resource. The second application may receive the access data provided by the remote server computer based on validation of the encrypted provisioning request data.Type: GrantFiled: February 5, 2019Date of Patent: February 2, 2021Assignee: Visa International Service AssociationInventors: Madhuri Chandoor, Jalpesh Chitalia, Gueorgui Petkov, Mohamed Nosseir, Parveen Bansal, Thomas Bellenger, Simon Law
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Patent number: 10785212Abstract: A method is disclosed. The method includes transmitting by a computing device, an account creation request to a remote server computer. The method further includes automatically provisioning the computing device with an access token in response to receiving a request to create the account.Type: GrantFiled: February 20, 2019Date of Patent: September 22, 2020Assignee: Visa International Service AssociationInventors: Erick Wong, Ansar Ansari, Parveen Bansal, William Thaw
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Publication number: 20200052897Abstract: Systems and methods of the invention are directed to provisioning a token by a secure authentication system. A user may initiate a transaction that causes a resource provider computer to transmit an authentication request message to a directory server computer. The directory server computer may transmit the authentication request message to an access control server computer for authentication. Subsequent to receiving the authentication request message, the directory server computer may request a token for the transaction from a token provider computer. If authentication is successful, the token may be included in an authentication response message transmitted by the directory server computer to the resource provider computer. The token may then be utilized by the resource provider computer in lieu of sensitive user information for any suitable purpose. In some embodiments, user-specific-data provided by the access control server computer may be included in the authentication response message.Type: ApplicationFiled: October 22, 2019Publication date: February 13, 2020Inventors: Aparna Krishnan Girish, Parveen Bansal
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Patent number: 10491389Abstract: Systems and methods of the invention are directed to provisioning a token by a secure authentication system. A user may initiate a transaction that causes a resource provider computer to transmit an authentication request message to a directory server computer. The directory server computer may transmit the authentication request message to an access control server computer for authentication. Subsequent to receiving the authentication request message, the directory server computer may request a token for the transaction from a token provider computer. If authentication is successful, the token may be included in an authentication response message transmitted by the directory server computer to the resource provider computer. The token may then be utilized by the resource provider computer in lieu of sensitive user information for any suitable purpose. In some embodiments, user-specific-data provided by the access control server computer may be included in the authentication response message.Type: GrantFiled: July 14, 2017Date of Patent: November 26, 2019Assignee: Visa International Service AssociationInventors: Aparna Krishnan Girish, Parveen Bansal
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Publication number: 20190340679Abstract: A direct payment token generation method provides executable codes to a client device. The executable codes invokes functionalities in a browser application. The set of executable codes further provides login prompts to the user for logging to a virtual wallet account. The method provides a list of products for purchase from merchants in response to a successful login to the virtual wallet account. A graphical element is provided for purchasing one provided product from one of the merchants. In response to receiving a selection of the provided graphical element confirming the purchase, a payment token is generated for the virtual wallet account. The received selection includes confirming detailed information of the purchase. The payment token is transmitted to the client device and is embedded in a payment payload with the detailed information of the purchase. The payment load is transmitted to the one of the merchants to complete the purchase.Type: ApplicationFiled: January 26, 2018Publication date: November 7, 2019Inventors: Aparna Girish, Parveen Bansal
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Publication number: 20190182230Abstract: A method is disclosed. The method includes transmitting by a computing device, an account creation request to a remote server computer. The method further includes automatically provisioning the computing device with an access token in response to receiving a request to create the account.Type: ApplicationFiled: February 20, 2019Publication date: June 13, 2019Inventors: Erick Wong, Ansar Ansari, Parveen Bansal, William Thaw
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Publication number: 20190173883Abstract: Techniques for provisioning access data may include receiving, by a first application installed on a communication device, user input selecting an account to provision to a second application installed on the communication device. The first application may invoke the second application and send a session identifier (ID) to the second application. The second application may send a user ID associated with the second application, a device ID, and the session ID to the first application. The first application may then generate encrypted provisioning request data and send the encrypted provisioning request data to the second application. The second application may send the encrypted provisioning request data to a remote server computer to request access data that can be used to access a resource. The second application may receive the access data provided by the remote server computer based on validation of the encrypted provisioning request data.Type: ApplicationFiled: February 5, 2019Publication date: June 6, 2019Inventors: Madhuri Chandoor, Jalpesh Chitalia, Gueorgui Petkov, Mohamed Nosseir, Parveen Bansal, Thomas Bellenger, Simon Law
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Patent number: 10257185Abstract: A method is disclosed. The method includes transmitting by a computing device, an account creation request to a remote server computer. The method further includes automatically provisioning the computing device with an access token in response to receiving a request to create the account.Type: GrantFiled: December 11, 2015Date of Patent: April 9, 2019Assignee: Visa International Service AssociationInventors: Erick Wong, Ansar Ansari, Parveen Bansal, William Thaw
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Patent number: 10243958Abstract: Techniques for provisioning access data may include receiving, by a first application installed on a communication device, user input selecting an account to provision to a second application installed on the communication device. The first application may invoke the second application and send a session identifier (ID) to the second application. The second application may send a user ID associated with the second application, a device ID, and the session ID to the first application. The first application may then generate encrypted provisioning request data and send the encrypted provisioning request data to the second application. The second application may send the encrypted provisioning request data to a remote server computer to request access data that can be used to access a resource. The second application may receive the access data provided by the remote server computer based on validation of the encrypted provisioning request data.Type: GrantFiled: January 9, 2017Date of Patent: March 26, 2019Assignee: Visa International Service AssociationInventors: Madhuri Chandoor, Jalpesh Chitalia, Gueorgui Petkov, Mohamed Nosseir, Parveen Bansal, Thomas Bellenger, Simon Law
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Publication number: 20190020478Abstract: Systems and methods of the invention are directed to provisioning a token by a secure authentication system. A user may initiate a transaction that causes a resource provider computer to transmit an authentication request message to a directory server computer. The directory server computer may transmit the authentication request message to an access control server computer for authentication. Subsequent to receiving the authentication request message, the directory server computer may request a token for the transaction from a token provider computer. If authentication is successful, the token may be included in an authentication response message transmitted by the directory server computer to the resource provider computer. The token may then be utilized by the resource provider computer in lieu of sensitive user information for any suitable purpose. In some embodiments, user-specific-data provided by the access control server computer may be included in the authentication response message.Type: ApplicationFiled: July 14, 2017Publication date: January 17, 2019Inventors: Aparna GIRISH, Parveen Bansal
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Publication number: 20180276737Abstract: A user's payment preference and other payment information may be linked to a virtual shopping cart to later complete an e-commerce transaction for items stored in a virtual shopping cart. For example, a user may place one or more items in a virtual shopping cart and select a payment method to purchase those items. The user may then be able to select an option to link the selected payment method to the order, but delay completing the purchase by causing a payment payload to be delivered to the merchant without debiting the user's payment account. Later, the user may establish another network session with the merchant. This new session will display the incomplete purchase transaction with both the items and the linked payment method for which the merchant has already received the payment payload. The user may then complete the purchase transaction without having to re-enter payment information.Type: ApplicationFiled: March 21, 2017Publication date: September 27, 2018Inventors: Aparna Krishnan Girish, Parveen Bansal
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Publication number: 20180174136Abstract: A property alarm, such as home alarm or car alarm, is analyzed for the nature of the alarm and when indicated causes access to one or more financial instruments to be limited or put on hold. Alarms for equipment failure may be ignored while alarms for an intrusion may trigger limiting access to the financial accounts. In some cases, a cap may be placed on transactions, risk rules for approving transactions may be increased, or a complete hold may be placed on some or all of the financial instruments.Type: ApplicationFiled: December 15, 2016Publication date: June 21, 2018Inventors: Parveen Bansal, Aparna Krishnan Girish, Madhuri Chandoor
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Publication number: 20180174146Abstract: One or more sensors are used to evaluate whether a user of a financial instrument is under duress by evaluating information collected about the user at the time of a transaction. If one or more stress indicators are above a predetermined threshold level, full access to the financial instrument may be disabled. Transaction risk rules may be increased, transaction amounts may be limited, or transactions may be blocked entirely if full access is disabled.Type: ApplicationFiled: December 15, 2016Publication date: June 21, 2018Inventors: Parveen Bansal, Aparna Krishnan Girish, Madhuri Chandoor
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Publication number: 20170300909Abstract: Systems and methods may facilitate payment transactions between user computer systems and merchant computer systems. An e-commerce enabler system may generate a library of instructions for execution on the user computing device. On execution, the library of instructions may provide payment information for a payment transaction to a merchant e-commerce computer system via a website hosted by the merchant e-commerce computer system. The payment information may correspond to primary account holder data identifying a payment device. The e-commerce enabler system may forward the payment information to a payment network system, create payment payload data from data returned by the payment network system, and forward the payload data to the merchant e-commerce computer system. The merchant e-commerce computer system may then decrypt at least a portion of the payment payload data to complete the payment transaction between the computing device and the merchant e-commerce computer system.Type: ApplicationFiled: April 17, 2017Publication date: October 19, 2017Inventors: Parveen Bansal, Barbara Elizabeth Patterson, Aparna Krishnan Girish
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Publication number: 20170293914Abstract: Expedited E-Commerce Tokenization alleviates the above mentioned concerns associated with cards for merchants as well as PSPs using tokens by establishing E-Commerce browser standards around tokenization for merchants and PSPs through a standard manner of requesting customer data in an encrypted manner following a standard.Type: ApplicationFiled: April 11, 2017Publication date: October 12, 2017Inventors: Aparna Krishnan Girish, Parveen Bansal