Patents by Inventor Amitabh Awasthi

Amitabh Awasthi 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: 11823138
    Abstract: Provided is a system for conducting a payment transaction involving payment on delivery in real-time. The system may include at least one processor programmed or configured to receive transaction data associated with a payment transaction involving a merchant and a customer at a location that is independent of a merchant location, determine a financial institution of a plurality of financial institutions based on the transaction data associated with the payment transaction, communicate data associated with a request for authorization of the payment transaction involving the merchant and the customer, receive an indication of authorization of the payment transaction involving the merchant and the customer, and communicate data associated with authorization of the payment transaction involving the merchant and the customer. A method and computer program product are also provided.
    Type: Grant
    Filed: August 19, 2022
    Date of Patent: November 21, 2023
    Assignee: Visa International Service Association
    Inventor: Amitabh Awasthi
  • Publication number: 20220391857
    Abstract: Provided is a system for conducting a payment transaction involving payment on delivery in real-time. The system may include at least one processor programmed or configured to receive transaction data associated with a payment transaction involving a merchant and a customer at a location that is independent of a merchant location, determine a financial institution of a plurality of financial institutions based on the transaction data associated with the payment transaction, communicate data associated with a request for authorization of the payment transaction involving the merchant and the customer, receive an indication of authorization of the payment transaction involving the merchant and the customer, and communicate data associated with authorization of the payment transaction involving the merchant and the customer. A method and computer program product are also provided.
    Type: Application
    Filed: August 19, 2022
    Publication date: December 8, 2022
    Inventor: Amitabh Awasthi
  • Patent number: 11488119
    Abstract: Provided is a system for conducting a payment transaction involving payment on delivery in real-time. The system may include at least one processor programmed or configured to receive transaction data associated with a payment transaction involving a merchant and a customer at a location that is independent of a merchant location, determine a financial institution of a plurality of financial institutions based on the transaction data associated with the payment transaction, communicate data associated with a request for authorization of the payment transaction involving the merchant and the customer, receive an indication of authorization of the payment transaction involving the merchant and the customer, communicate data associated with authorization of the payment transaction involving the merchant and the customer. A method and computer program product are also provided.
    Type: Grant
    Filed: March 14, 2019
    Date of Patent: November 1, 2022
    Assignee: Visa International Service Association
    Inventor: Amitabh Awasthi
  • Patent number: 11416865
    Abstract: A user may establish a relationship with a merchant so that the user can conduct repeated transactions with the merchant. The merchant computer associated with the merchant may store credentials associated with the user's account. The repeated transactions may not occur at regular intervals. The merchant may include an indicator in the authorization request messages for the user's transactions that indicates that the user is part of the established relationship. Hence, other entities that receive the indicator can accordingly identify and process the transaction as low risk, which results in higher approvals of the user's transactions conducted with the merchant.
    Type: Grant
    Filed: June 2, 2020
    Date of Patent: August 16, 2022
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: Amitabh Awasthi
  • Publication number: 20210035072
    Abstract: Provided is a system for conducting a payment transaction involving payment on delivery in real-time. The system may include at least one processor programmed or configured to receive transaction data associated with a payment transaction involving a merchant and a customer at a location that is independent of a merchant location, determine a financial institution of a plurality of financial institutions based on the transaction data associated with the payment transaction, communicate data associated with a request for authorization of the payment transaction involving the merchant and the customer, receive an indication of authorization of the payment transaction involving the merchant and the customer, communicate data associated with authorization of the payment transaction involving the merchant and the customer. A method and computer program product are also provided.
    Type: Application
    Filed: March 14, 2019
    Publication date: February 4, 2021
    Inventor: Amitabh Awasthi
  • Publication number: 20200294049
    Abstract: A user may establish a relationship with a merchant so that the user can conduct repeated transactions with the merchant. The merchant computer associated with the merchant may store credentials associated with the user's account. The repeated transactions may not occur at regular intervals. The merchant may include an indicator in the authorization request messages for the user's transactions that indicates that the user is part of the established relationship. Hence, other entities that receive the indicator can accordingly identify and process the transaction as low risk, which results in higher approvals of the user's transactions conducted with the merchant.
    Type: Application
    Filed: June 2, 2020
    Publication date: September 17, 2020
    Inventor: Amitabh Awasthi
  • Patent number: 10713660
    Abstract: A user may establish a relationship with a merchant so that the user can conduct repeated transactions with the merchant. The merchant computer associated with the merchant may store credentials associated with the user's account. The repeated transactions may not occur at regular intervals. The merchant may include an indicator in the authorization request messages for the user's transactions that indicates that the user is part of the established relationship. Hence, other entities that receive the indicator can accordingly identify and process the transaction as low risk, which results in higher approvals of the user's transactions conducted with the merchant.
    Type: Grant
    Filed: September 14, 2016
    Date of Patent: July 14, 2020
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: Amitabh Awasthi
  • Publication number: 20170076288
    Abstract: A user may establish a relationship with a merchant so that the user can conduct repeated transactions with the merchant. The merchant computer associated with the merchant may store credentials associated with the user's account. The repeated transactions may not occur at regular intervals. The merchant may include an indicator in the authorization request messages for the user's transactions that indicates that the user is part of the established relationship. Hence, other entities that receive the indicator can accordingly identify and process the transaction as low risk, which results in higher approvals of the user's transactions conducted with the merchant.
    Type: Application
    Filed: September 14, 2016
    Publication date: March 16, 2017
    Inventor: Amitabh Awasthi