Patents by Inventor Abhinava SRIVASTAVA
Abhinava SRIVASTAVA 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: 20240152916Abstract: A method for generation of an application cryptogram for use in a payment transaction includes: storing, in a first memory, a single use key associated with a transaction account; electronically transmitting the single use key to a processing server; receiving an encrypted session key and a server encryption key from the processing server; executing a first query to store the encrypted session key in the first memory and a second query to store the server encryption key in a second memory; decrypting the encrypted session key using the server encryption key; generating an application cryptogram based on the decrypted session key; and electronically transmitting the generated application cryptogram for use in a payment transaction.Type: ApplicationFiled: January 16, 2024Publication date: May 9, 2024Applicant: Mastercard International IncorporatedInventors: Abhinava SRIVASTAVA, Sapankumar K. MANDLOI, Anthony LOPREIATO
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Patent number: 11962683Abstract: A method for distributing data to a computing device using device level authentication includes: receiving a single use key from a payment institution, the single use key encrypted by the payment institution using a first encryption, a server public key, and device data; wrapping a device public key using the server public key; electronically transmitting at least the device data, the wrapped device public key, and the single use key to a server; receiving the single use key encrypted using a second encryption from the server, the second encryption using the device public key to encrypt the single use key; decrypting the single use key encrypted with the second encryption using a device private key; and electronically transmitting the decrypted single use key and payment credentials to a point of sale device.Type: GrantFiled: March 10, 2023Date of Patent: April 16, 2024Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Abhinava Srivastava, Sapankumar K. Mandloi
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Patent number: 11915233Abstract: A method for generation of an application cryptogram for use in a payment transaction includes: storing, in a first memory, a single use key associated with a transaction account; electronically transmitting the single use key to a processing server; receiving an encrypted session key and a server encryption key from the processing server; executing a first query to store the encrypted session key in the first memory and a second query to store the server encryption key in a second memory; decrypting the encrypted session key using the server encryption key; generating an application cryptogram based on the decrypted session key; and electronically transmitting the generated application cryptogram for use in a payment transaction.Type: GrantFiled: October 21, 2021Date of Patent: February 27, 2024Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Abhinava Srivastava, Sapankumar K. Mandloi, Anthony Lopreiato
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Patent number: 11880841Abstract: A system for routing an identity validation request comprises at least one processor in communication with computer-readable storage, the computer-readable storage having stored thereon instructions for causing the at least one processor to: receive, from a requesting device, an identity validation request, the identity validation request comprising identity data and a payment credential; determine, from the payment credential, an issuer of the payment credential; transmit, to the issuer, a verification service request message that comprises the identity data and the payment credential; receive, from the issuer, a verification service response indicating whether or not the identity data has previously been associated with the payment credential; and based on the verification service response, transmit, to the requesting device, an indication as to validity of the identity data.Type: GrantFiled: March 12, 2021Date of Patent: January 23, 2024Assignee: MASTERCARD ASIA/PACIFIC PTE. LTD.Inventors: Benjamin Gilbey, Abhinava Srivastava
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Publication number: 20240020674Abstract: Systems and methods are provided for extending installment options to users. One example computer-implemented method includes, as part of an authentication challenge to a user for a transaction, requesting, by a communication device of the user, installment options from an installment service provider (ISP) based on an identifier specific to a first party involved in the transaction. In response, the ISP retrieves the requested installment options and provides them to the communication device. The method also includes displaying, by the communication device, the installment options to the user, soliciting a selection of one of the installment options, and, in response to the selection, identifying the selected one of the installment options to the ISP, whereby the ISP records the selected installment option as payment for the transaction.Type: ApplicationFiled: July 14, 2022Publication date: January 18, 2024Inventors: Abhinava Srivastava, Timothy Fletcher
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Publication number: 20230216664Abstract: A method for distributing data to a computing device using device level authentication includes: receiving a single use key from a payment institution, the single use key encrypted by the payment institution using a first encryption, a server public key, and device data; wrapping a device public key using the server public key; electronically transmitting at least the device data, the wrapped device public key, and the single use key to a server; receiving the single use key encrypted using a second encryption from the server, the second encryption using the device public key to encrypt the single use key; decrypting the single use key encrypted with the second encryption using a device private key; and electronically transmitting the decrypted single use key and payment credentials to a point of sale device.Type: ApplicationFiled: March 10, 2023Publication date: July 6, 2023Inventors: Abhinava SRIVASTAVA, Sapankumar K. MANDLOI
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Patent number: 11611432Abstract: A method for distributing data to a computing device using device level authentication includes: storing, in a memory of a computing device, a single use key encrypted with a first encryption, a server public key, and device data; generating a key pair comprising a device private key and a corresponding device public key; wrapping the device public key using the server public key; transmitting at least the device data, wrapped device public key, and the single use key encrypted with the first encryption to a server; receiving the single use key encrypted with a second encryption from the server; and executing a query on the memory to insert the received single use key encrypted with the second encryption.Type: GrantFiled: November 8, 2021Date of Patent: March 21, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Abhinava Srivastava, Sapankumar K. Mandloi
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Publication number: 20220398595Abstract: A method for biometric payments comprises: receiving biometric data obtained by a biometric reader device from a user who is registered for biometric payments with a merchant; determining a biometric identifier that is associated with the biometric data; determining a stored payment credential that is associated with the biometric identifier, wherein the stored payment credential is not stored by the merchant; determining a payment card number or payment token based on the stored payment credential; and generating an authorisation request message for processing by an issuer, wherein the authorisation request message comprises the payment card number or payment token, and a data element comprising an indication that the user was authenticated by a biometric authentication method.Type: ApplicationFiled: June 7, 2022Publication date: December 15, 2022Inventors: TOBIAS PUEHSE, ABHINAVA SRIVASTAVA, MICHIHIKO YODEN
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Publication number: 20220141003Abstract: A method for distributing data to a computing device using device level authentication includes: storing, in a memory of a computing device, a single use key encrypted with a first encryption, a server public key, and device data; generating a key pair comprising a device private key and a corresponding device public key; wrapping the device public key using the server public key; transmitting at least the device data, wrapped device public key, and the single use key encrypted with the first encryption to a server; receiving the single use key encrypted with a second encryption from the server; and executing a query on the memory to insert the received single use key encrypted with the second encryption.Type: ApplicationFiled: November 8, 2021Publication date: May 5, 2022Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Abhinava SRIVASTAVA, Sapankumar K. MANDLOI
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Publication number: 20220036348Abstract: A method for generation of an application cryptogram for use in a payment transaction includes: storing, in a first memory, a single use key associated with a transaction account; electronically transmitting the single use key to a processing server; receiving an encrypted session key and a server encryption key from the processing server; executing a first query to store the encrypted session key in the first memory and a second query to store the server encryption key in a second memory; decrypting the encrypted session key using the server encryption key; generating an application cryptogram based on the decrypted session key; and electronically transmitting the generated application cryptogram for use in a payment transaction.Type: ApplicationFiled: October 21, 2021Publication date: February 3, 2022Applicant: Mastercard International IncorporatedInventors: Abhinava SRIVASTAVA, Sapankumar K. MANDLOI, Anthony LOPREIATO
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Patent number: 11182779Abstract: A method for generation of an application cryptogram for use in a payment transaction includes: storing, in a first memory, a single use key associated with a transaction account; electronically transmitting the single use key to a processing server; receiving an encrypted session key and a server encryption key from the processing server; executing a first query to store the encrypted session key in the first memory and a second query to store the server encryption key in a second memory; decrypting the encrypted session key using the server encryption key; generating an application cryptogram based on the decrypted session key; and electronically transmitting the generated application cryptogram for use in a payment transaction.Type: GrantFiled: April 21, 2017Date of Patent: November 23, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Abhinava Srivastava, Sapankumar K. Mandloi, Anthony Lopreiato
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Patent number: 11171775Abstract: A method for distributing data to a computing device using device level authentication includes: storing, in a memory of a computing device, a single use key encrypted with a first encryption, a server public key, and device data; generating a key pair comprising a device private key and a corresponding device public key; wrapping the device public key using the server public key; transmitting at least the device data, wrapped device public key, and the single use key encrypted with the first encryption to a server; receiving the single use key encrypted with a second encryption from the server; and executing a query on the memory to insert the received single use key encrypted with the second encryption.Type: GrantFiled: December 14, 2017Date of Patent: November 9, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Abhinava Srivastava, Sapankumar K. Mandloi
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Publication number: 20210342842Abstract: A system for routing an identity validation request comprises at least one processor in communication with computer-readable storage, the computer-readable storage having stored thereon instructions for causing the at least one processor to: receive, from a requesting device, an identity validation request, the identity validation request comprising identity data and a payment credential; determine, from the payment credential, an issuer of the payment credential; transmit, to the issuer, a verification service request message that comprises the identity data and the payment credential; receive, from the issuer, a verification service response indicating whether or not the identity data has previously been associated with the payment credential; and based on the verification service response, transmit, to the requesting device, an indication as to validity of the identity data.Type: ApplicationFiled: March 12, 2021Publication date: November 4, 2021Inventors: Benjamin Gilbey, Abhinava Srivastava
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Publication number: 20190190704Abstract: A method for distributing data to a computing device using device level authentication includes: storing, in a memory of a computing device, a single use key encrypted with a first encryption, a server public key, and device data; generating a key pair comprising a device private key and a corresponding device public key; wrapping the device public key using the server public key; transmitting at least the device data, wrapped device public key, and the single use key encrypted with the first encryption to a server; receiving the single use key encrypted with a second encryption from the server; and executing a query on the memory to insert the received single use key encrypted with the second encryption.Type: ApplicationFiled: December 14, 2017Publication date: June 20, 2019Applicant: Mastercard International IncorporatedInventors: Abhinava SRIVASTAVA, Sapankumar K. MANDLOI
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Publication number: 20170308895Abstract: A method for generation of an application cryptogram for use in a payment transaction includes: storing, in a first memory, a single use key associated with a transaction account; electronically transmitting the single use key to a processing server; receiving an encrypted session key and a server encryption key from the processing server; executing a first query to store the encrypted session key in the first memory and a second query to store the server encryption key in a second memory; decrypting the encrypted session key using the server encryption key; generating an application cryptogram based on the decrypted session key; and electronically transmitting the generated application cryptogram for use in a payment transaction.Type: ApplicationFiled: April 21, 2017Publication date: October 26, 2017Applicant: Mastercard International IncorporatedInventors: Abhinava SRIVASTAVA, Sapankumar K. MANDLOI, Anthony LOPREIATO
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Publication number: 20170061466Abstract: Methods and associated devices are provided for NFC enabled mobile payment incorporating automatic redemption of value added services. A method comprising pre-tap processing at the NFC enabled mobile device to load one or more selected value added services into the NFC enabled mobile device; and placing the NFC enabled mobile device in proximity to the NFC enabled payment machine so as to initiate and complete the one-tap settlement where data is exchanged so as to process the purchase of goods or services utilizing the redeemed one or more of the selected value added services loaded during the pre-tap processing to bring about the at least one effect provided by the redemption of one or more selected value added services.Type: ApplicationFiled: August 26, 2016Publication date: March 2, 2017Applicant: MASTERCARD ASIA/PACIFIC PTE LTD.Inventor: Abhinava SRIVASTAVA