Patents by Inventor Aparna Krishnan Girish
Aparna Krishnan Girish 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: 20230351361Abstract: Symbols are used to represent payment accounts. The symbols may be programmed to represent accounts and the data for the accounts may be entered into appropriate fields when the symbol is selected. Once selected, account data is retrieved and is communicated to the proper field in the data entry screen. The account data is then used to complete the transaction.Type: ApplicationFiled: July 11, 2023Publication date: November 2, 2023Applicant: Visa International Service AssociationInventors: Aparna Krishnan GIRISH, Barbara Elizabeth PATTERSON
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Patent number: 11803895Abstract: A computer-implemented method for smart appliance product segmentation and communication, including: generating, with at least one processor, a plurality of product interest codes; assigning, with at least one processor, at least one product interest code of the plurality of product interest codes to each of a plurality of products of at least one merchant; based at least partially on a profile of a smart appliance user, associating, with at least one processor, at least one product interest code of the plurality of product interest codes with an interaction between the smart appliance user and at least one smart appliance; matching, with at least one processor, that at least one product interest code of at least one product with the at least one product interest code associated with the interaction; and automatically generating and transmitting, with at least one processor, at least one communication to the smart appliance user.Type: GrantFiled: July 26, 2022Date of Patent: October 31, 2023Assignee: Visa International Service AssociationInventors: Daniel Edward Macias, Aparna Krishnan Girish
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Patent number: 11741453Abstract: Symbols are used to represent payment accounts. The symbols may be programmed to represent accounts and the data for the accounts may be entered into appropriate fields when the symbol is selected. Once selected, account data is retrieved and is communicated to the proper field in the data entry screen. The account data is then used to complete the transaction.Type: GrantFiled: August 25, 2021Date of Patent: August 29, 2023Assignee: Visa International Service AssociationInventors: Aparna Krishnan Girish, Barbara Elizabeth Patterson
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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: 11568392Abstract: The DYNAMIC CHECKOUT BUTTON APPARATUSES, METHODS AND SYSTEMS (DCB) transforms product page checkout request input and user identification input via DCB components such as offer/discount determination component and checkout button embedding component, into dynamic checkout button outputs.Type: GrantFiled: April 19, 2021Date of Patent: January 31, 2023Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Thomas Purves, Clint Florez, Amit Gupta, Aparna Krishnan Girish, Peng Zhao, Chunxi Jiang, Sang Wook Lee, Kevin Carvalho
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Publication number: 20220358569Abstract: A computer-implemented method for smart appliance product segmentation and communication, including: generating, with at least one processor, a plurality of product interest codes; assigning, with at least one processor, at least one product interest code of the plurality of product interest codes to each of a plurality of products of at least one merchant; based at least partially on a profile of a smart appliance user, associating, with at least one processor, at least one product interest code of the plurality of product interest codes with an interaction between the smart appliance user and at least one smart appliance; matching, with at least one processor, that at least one product interest code of at least one product with the at least one product interest code associated with the interaction; and automatically generating and transmitting, with at least one processor, at least one communication to the smart appliance user.Type: ApplicationFiled: July 26, 2022Publication date: November 10, 2022Inventors: Daniel Edward Macias, Aparna Krishnan Girish
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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: 11423469Abstract: A computer-implemented method for smart appliance product segmentation and communication, including: generating, with at least one processor, a plurality of product interest codes; assigning, with at least one processor, at least one product interest code of the plurality of product interest codes to each of a plurality of products of at least one merchant; based at least partially on a profile of a smart appliance user, associating, with at least one processor, at least one product interest code of the plurality of product interest codes with an interaction between the smart appliance user and at least one smart appliance; matching, with at least one processor, that at least one product interest code of at least one product with the at least one product interest code associated with the interaction; and automatically generating and transmitting, with at least one processor, at least one communication to the smart appliance user.Type: GrantFiled: April 12, 2018Date of Patent: August 23, 2022Assignee: Visa International Service AssociationInventors: Daniel Edward Macias, Aparna Krishnan Girish
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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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Publication number: 20210383353Abstract: Symbols are used to represent payment accounts. The symbols may be programmed to represent accounts and the data for the accounts may be entered into appropriate fields when the symbol is selected. Once selected, account data is retrieved and is communicated to the proper field in the data entry screen. The account data is then used to complete the transaction.Type: ApplicationFiled: August 25, 2021Publication date: December 9, 2021Inventors: Aparna Krishnan Girish, Barbara Elizabeth Patterson
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Patent number: 11144906Abstract: Symbols are used to represent payment accounts. The symbols may be programmed to represent accounts and the data for the accounts may be entered into appropriate fields when the symbol is selected. Once selected, account data is retrieved and is communicated to the proper field in the data entry screen. The account data is then used to complete the transaction.Type: GrantFiled: February 20, 2018Date of Patent: October 12, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Aparna Krishnan Girish, Barbara Elizabeth Patterson
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Publication number: 20210304192Abstract: The DYNAMIC CHECKOUT BUTTON APPARATUSES, METHODS AND SYSTEMS (DCB) transforms product page checkout request input and user identification input via DCB components such as offer/discount determination component and checkout button embedding component, into dynamic checkout button outputs.Type: ApplicationFiled: April 19, 2021Publication date: September 30, 2021Inventors: Thomas Purves, Clint Florez, Amit Gupta, Aparna Krishnan Girish, Peng Zhao, Chunxi Jiang, Sang Wook Lee, Kevin Carvalho
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Publication number: 20210117956Abstract: Symbols are used to represent payment accounts. The symbols may be programmed to represent accounts and the data for the accounts may be entered into appropriate fields when the symbol is selected. Once selected, account data is retrieved and is communicated to the proper field in the data entry screen. The account data is then used to complete the transaction.Type: ApplicationFiled: February 20, 2018Publication date: April 22, 2021Inventors: Aparna Krishnan Girish, Barbara Elizabeth Patterson
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Publication number: 20210110463Abstract: A computer-implemented method for smart appliance product segmentation and communication, including: generating, with at least one processor, a plurality of product interest codes; assigning, with at least one processor, at least one product interest code of the plurality of product interest codes to each of a plurality of products of at least one merchant; based at least partially on a profile of a smart appliance user, associating, with at least one processor, at least one product interest code of the plurality of product interest codes with an interaction between the smart appliance user and at least one smart appliance; matching, with at least one processor, that at least one product interest code of at least one product with the at least one product interest code associated with the interaction; and automatically generating and transmitting, with at least one processor, at least one communication to the smart appliance user.Type: ApplicationFiled: April 12, 2018Publication date: April 15, 2021Inventors: Daniel Edward Macias, Aparna Krishnan Girish
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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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Patent number: 10380582Abstract: The DYNAMIC CHECKOUT BUTTON APPARATUSES, METHODS AND SYSTEMS (DCB) transforms product page checkout request input and user identification input via DCB components such as offer/discount determination component and checkout button embedding component, into dynamic checkout button outputs.Type: GrantFiled: July 29, 2016Date of Patent: August 13, 2019Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Thomas Purves, Clint Florez, Amit Gupta, Aparna Krishnan Girish, Peng Zhao, Chunxi Jiang, Sang Wook Lee, Kevin Carvalho
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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: 20180189779Abstract: The DYNAMIC CHECKOUT BUTTON APPARATUSES, METHODS AND SYSTEMS (“DCB”) transforms product page checkout request input and user identification input via DCB components such as offer/discount determination component and checkout button embedding component, into dynamic checkout button outputs.Type: ApplicationFiled: February 14, 2018Publication date: July 5, 2018Inventor: Aparna Krishnan Girish
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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