Patents by Inventor Anjana Neera Surin
Anjana Neera Surin 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: 20230222508Abstract: A method of processing a deferred authorization transaction including: receiving at least one transaction processing request associated with a transaction, where the transaction is initiated using a portable financial device associated with a user, the at least one transaction processing request including a deferred authorization indicator; determining that the at least one transaction processing request includes the deferred authorization indicator; determining that the transaction is a deferred authorization transaction based on determining that the at least one transaction processing request includes the deferred authorization indicator; and processing the transaction using at least one deferred authorization transaction rule in response to determining that the transaction is a deferred authorization transaction. A system for processing a deferred authorization transaction is also disclosed.Type: ApplicationFiled: January 5, 2023Publication date: July 13, 2023Inventors: Robert Franklin Alandt, Barbara Elizabeth Patterson, Anjana Neera Surin
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Publication number: 20230009884Abstract: An authentication request message from a user conducting an interaction at a resource provider computer is received. It is determined that data representing an indication that the resource provider is trusted by the user and including a trusted marker is present in a database. Authentication to the user is provided, and information indicating that the user has been authenticated and the trusted marker are sent so that authorization request message for the interaction that includes the trusted marker is generated. The trusted marker is validated, and the authorization request message including information related to the interaction and the validated trusted marker is sent to an authorizing entity computer.Type: ApplicationFiled: September 19, 2022Publication date: January 12, 2023Applicant: Visa International Service AssociationInventors: Mark Nelsen, David William Wilson, Guido Mangiagalli, Anjana Neera Surin, Sayeed Mohammed, Alan Johnson, Phillip Lavender, Glenn Powell
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Publication number: 20220391891Abstract: An enhanced authentication system is described. One embodiment of the invention is directed to a method comprising: receiving, by a token service computer and from an initiating computer, a first authentication request message including verification method data and a token; transmitting, by the token service computer, a second authentication request message comprising the token and the verification method data to an access control server; receiving, by the token service computer from the access control server, an authentication response message comprising the token and a user authentication verification value; and transmitting, by the token service computer to the initiating computer, the authentication response message comprising the token, the user authentication verification value, and a token authentication verification value.Type: ApplicationFiled: August 15, 2022Publication date: December 8, 2022Applicant: Visa International Service AssociationInventors: Sayeed Mohammed, Anjana Neera Surin, Ansar Ansari
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Patent number: 11496481Abstract: A system and method of establishing a resource provider as a trusted listing are disclosed. The method includes receiving, by a directory server computer, an indication from a user that a resource provider is trusted. The directory server computer is programmed to provide a first level of authentication. The method then includes storing, in a database, data representing the indication from the user that the resource provider is trusted. The method then includes receiving an authentication request message from the user conducting an interaction at the resource provider computer and determining that the data representing the indication from the user that the resource provider is trusted is present. In response to determining, the method includes providing a second level of authentication to the user before the user is allowed to complete the interaction. The second level of authentication is lower than the first level.Type: GrantFiled: April 24, 2019Date of Patent: November 8, 2022Assignee: Visa International Service AssociationInventors: Mark Nelsen, David William Wilson, Guido Mangiagalli, Anjana Neera Surin, Sayeed Mohammed, Alan Johnson, Phillip Lavender, Glenn Powell
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Patent number: 11475445Abstract: An enhanced authentication system is described. One embodiment of the invention is directed to a method comprising: receiving, by a token service computer and from an initiating computer, a first authentication request message including verification method data and a token; transmitting, by the token service computer, a second authentication request message comprising the token and the verification method data to an access control server; receiving, by the token service computer from the access control server, an authentication response message comprising the token and a user authentication verification value; and transmitting, by the token service computer to the initiating computer, the authentication response message comprising the token, the user authentication verification value, and a token authentication verification value.Type: GrantFiled: April 26, 2019Date of Patent: October 18, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Sayeed Mohammed, Anjana Neera Surin, Ansar Ansari
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Publication number: 20210243194Abstract: A system and method of establishing a resource provider as a trusted listing are disclosed. The method includes receiving, by a directory server computer, an indication from a user that a resource provider is trusted. The directory server computer is programmed to provide a first level of authentication. The method then includes storing, in a database, data representing the indication from the user that the resource provider is trusted. The method then includes receiving an authentication request message from the user conducting an interaction at the resource provider computer and determining that the data representing the indication from the user that the resource provider is trusted is present. In response to determining, the method includes providing a second level of authentication to the user before the user is allowed to complete the interaction. The second level of authentication is lower than the first level.Type: ApplicationFiled: April 24, 2019Publication date: August 5, 2021Applicant: Visa International Service AssociationInventors: Mark NELSEN, David William WILSON, Guido MANGIAGALLI, Anjana Neera SURIN, Sayeed MOHAMMED, Alan JOHNSON, Phillip LAVENDER, Glenn POWELL
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Publication number: 20190333055Abstract: An enhanced authentication system is described. One embodiment of the invention is directed to a method comprising: receiving, by a token service computer and from an initiating computer, a first authentication request message including verification method data and a token; transmitting, by the token service computer, a second authentication request message comprising the token and the verification method data to an access control server; receiving, by the token service computer from the access control server, an authentication response message comprising the token and a user authentication verification value; and transmitting, by the token service computer to the initiating computer, the authentication response message comprising the token, the user authentication verification value, and a token authentication verification value.Type: ApplicationFiled: April 26, 2019Publication date: October 31, 2019Inventors: Sayeed Mohammed, Anjana Neera Surin, Ansar Ansari
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Publication number: 20190156337Abstract: A method of processing a deferred authorization transaction including: receiving at least one transaction processing request associated with a transaction, where the transaction is initiated using a portable financial device associated with a user, the at least one transaction processing request including a deferred authorization indicator; determining that the at least one transaction processing request includes the deferred authorization indicator; determining that the transaction is a deferred authorization transaction based on determining that the at least one transaction processing request includes the deferred authorization indicator; and processing the transaction using at least one deferred authorization transaction rule in response to determining that the transaction is a deferred authorization transaction. A system for processing a deferred authorization transaction is also disclosed.Type: ApplicationFiled: November 17, 2017Publication date: May 23, 2019Inventors: Robert Franklin Alandt, Barbara Elizabeth Patterson, Anjana Neera Surin