Patents by Inventor Ansar Ansari
Ansar Ansari 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: 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: 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: 20220318799Abstract: Embodiments of the invention are directed to systems and methods of securely transmitting account credentials, such as a token. A user device and application can initially select an account, and then obtain a transaction identifier associated with the account. The user device can provide the transaction identifier to a resource provider, which can then directly exchange the transaction identifier for the account credentials.Type: ApplicationFiled: June 23, 2022Publication date: October 6, 2022Inventors: Jalpesh Chitalia, Ansar Ansari, Samuel Shrauger
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Publication number: 20220237592Abstract: Embodiments of the invention are directed to systems and methods that enable authentication of a user via an authentication application that is different than a wallet application that is being used to process a transaction. The wallet application may contain payment devices and/additional wallet applications.Type: ApplicationFiled: March 29, 2022Publication date: July 28, 2022Inventors: Jalpesh Chitalia, Thomas Purves, Ansar Ansari, Vishwanath Shastry, Otto Williams, Kevin Carvalho, Madhuri Chandoor, Amit Gupta, Manoj Kannembath, Samuel Blake Shrauger
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Patent number: 11397947Abstract: Embodiments of the invention are directed to systems and methods of securely transmitting account credentials, such as a token. A user device and application can initially select an account, and then obtain a transaction identifier associated with the account. The user device can provide the transaction identifier to a resource provider, which can then directly exchange the transaction identifier for the account credentials.Type: GrantFiled: July 11, 2018Date of Patent: July 26, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Jalpesh Chitalia, Ansar Ansari, Samuel Shrauger
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Publication number: 20220207527Abstract: Embodiments of the invention are directed to systems and methods for authenticating a user device using an authenticating device that has previously been associated with a user and/or a credential. The user may initiate a transaction at the user device. An authenticating device associated with the transaction may be sent an authentication request corresponding to the user device. The user may indicate whether or not the user device is authenticated utilizing the authenticating device. If the user device is authenticated, the transaction may proceed. If the user device is not authenticated the transaction may be rejected.Type: ApplicationFiled: July 20, 2020Publication date: June 30, 2022Inventors: Anjana Surin, Alan Johnson, Ansar Ansari, Jalpesh Chitalia, Ramesh Shankar, Manjush Menon, Mark Cline, Sanjeev Sharma, Sayeed Mohammed
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Patent number: 11321707Abstract: Embodiments of the invention are directed to systems and methods that enable authentication of a user via an authentication application that is different than a wallet application that is being used to process a transaction. The wallet application may contain payment devices and/additional wallet applications.Type: GrantFiled: March 22, 2017Date of Patent: May 3, 2022Assignee: Visa International Service AssociationInventors: Jalpesh Chitalia, Thomas Purves, Ansar Ansari, Vishwanath Shastry, Otto Williams, Kevin Carvalho, Madhuri Chandoor, Amit Gupta, Manoj Kannembath, Samuel Blake Shrauger
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Patent number: 11049101Abstract: Embodiments of the invention are directed to systems and methods of providing secure remote transaction (SRT) transactions. In some embodiments, upon selection of a checkout element, a user may be identified with respect to a transaction to be completed. A number of accounts may then be identified in relation to that user. Upon selection of a particular account, the user may be authenticated using a facilitator application installed on a mobile computing device that supports authentication for the selected account. In some embodiments, the system may involve the use of a transaction-specific token generated upon receiving an authentication indicator from the facilitator application.Type: GrantFiled: March 21, 2018Date of Patent: June 29, 2021Assignee: Visa International Service AssociationInventors: Ansar Ansari, Marco Huerta, Thomas Purves, Kevin Carvalho, Jalpesh Chitalia, Amit Gupta, Sang Wook Lee, Barbara Patterson, Manoj Kannembath, Samuel Blake Shrauger
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Publication number: 20210142312Abstract: According to some embodiments of the invention, an authentication method is provided1. Transaction data for a transaction is received at a communication device from an access device or a resource provider. The transaction data comprises a location of the access device. A location of the communication device is determined by the communication device. It is determined whether a distance between the location of the access device and the location of the communication device is within a predetermined threshold. The transaction is not authorized if the distance between the location of the access device and the location of the communication device is not within a predetermined threshold.Type: ApplicationFiled: January 14, 2021Publication date: May 13, 2021Inventors: Jalpesh Chitalia, Ansar Ansari
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Patent number: 10922672Abstract: According to some embodiments of the invention, an authentication method is provided. Transaction data for a transaction is received at a communication device from an access device or a resource provider. The transaction data comprises a location of the access device. A location of the communication device is determined by the communication device. It is determined whether a distance between the location of the access device and the location of the communication device is within a predetermined threshold. The transaction is not authorized if the distance between the location of the access device and the location of the communication device is not within a predetermined threshold.Type: GrantFiled: February 13, 2017Date of Patent: February 16, 2021Assignee: Visa International Service AssociationInventors: Jalpesh Chitalia, Ansar Ansari
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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: 20190392431Abstract: Embodiments of the invention are directed to systems and methods of providing secure remote transaction (SRT) transactions. In some embodiments, a resource provider is able to embed a checkout element into a webpage that it hosts. The checkout element enables interaction between a user that has accessed the webpage and an initiator application server located remotely in order to complete a transaction while preventing the resource provider from gaining access to sensitive information. In some embodiments, the user's information may be determined by an initiator server and populated into the checkout element.Type: ApplicationFiled: June 21, 2019Publication date: December 26, 2019Inventors: Jalpesh Chitalia, Ansar Ansari, Kevin Carvalho, Thomas Purves, Manoj Kannembath
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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: 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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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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Publication number: 20190019185Abstract: Embodiments of the invention are directed to systems and methods of securely transmitting account credentials, such as a token. A user device and application can initially select an account, and then obtain a transaction identifier associated with the account. The user device can provide the transaction identifier to a resource provider, which can then directly exchange the transaction identifier for the account credentials.Type: ApplicationFiled: July 11, 2018Publication date: January 17, 2019Inventors: Jalpesh CHITALIA, Ansar ANSARI, Samuel SHRAUGER
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Publication number: 20180276660Abstract: Embodiments of the invention are directed to systems and methods of providing secure remote transaction (SRT) transactions. In some embodiments, upon selection of a checkout element, a user may be identified with respect to a transaction to be completed. A number of accounts may then be identified in relation to that user. Upon selection of a particular account, the user may be authenticated using a facilitator application installed on a mobile computing device that supports authentication for the selected account. In some embodiments, the system may involve the use of a transaction-specific token generated upon receiving an authentication indicator from the facilitator application.Type: ApplicationFiled: March 21, 2018Publication date: September 27, 2018Inventors: Ansar Ansari, Marco Huerta, Thomas Purves, Kevin Carvalho, Jalpesh Chitalia, Amit Gupta, Sang Wook Lee, Barbara Patterson, Manoj Kannembath
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Publication number: 20170278096Abstract: Embodiments of the invention are directed to systems and methods that enable authentication of a user via an authentication application that is different than a wallet application that is being used to process a transaction. The wallet application may contain payment devices and/additional wallet applications.Type: ApplicationFiled: March 22, 2017Publication date: September 28, 2017Inventors: Jalpesh Chitalia, Thomas Purves, Ansar Ansari, Vishwanath Shastry, Otto Williams, Kevin Carvalho, Madhuri Chandoor, Amit Gupta, Manoj Kannembath
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Publication number: 20170236113Abstract: According to some embodiments of the invention, an authentication method is provided. Transaction data for a transaction is received at a communication device from an access device or a resource provider. The transaction data comprises a location of the access device. A location of the communication device is determined by the communication device. It is determined whether a distance between the location of the access device and the location of the communication device is within a predetermined threshold. The transaction is not authorized if the distance between the location of the access device and the location of the communication device is not within a predetermined threshold.Type: ApplicationFiled: February 13, 2017Publication date: August 17, 2017Inventors: Jalpesh Chitalia, Ansar Ansari
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Publication number: 20170124551Abstract: Methods and systems for facilitating payments with a mobile device are described. The methods include detecting a location of a mobile device, receiving identifying information from a user through the mobile device when the mobile device is near at least one merchant, generating a payment code, transmitting the payment code to the mobile device, receiving the payment code and a payment request from a merchant, and processing the payment request.Type: ApplicationFiled: January 17, 2017Publication date: May 4, 2017Inventors: Jalpesh K. Chitalia, Ansar Ansari, Karun Viswanath, Attaullah M. Baig, Sireesh Potireddy, Catherine Wong, Gavin Phillips, Darrell Esch, Malik Velani, Upendra S. Mardikar