Patents by Inventor Aparna Krishnan

Aparna Krishnan 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).

  • Publication number: 20180189779
    Abstract: 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: Application
    Filed: February 14, 2018
    Publication date: July 5, 2018
    Inventor: Aparna Krishnan Girish
  • Publication number: 20180174136
    Abstract: A property alarm, such as home alarm or car alarm, is analyzed for the nature of the alarm and when indicated causes access to one or more financial instruments to be limited or put on hold. Alarms for equipment failure may be ignored while alarms for an intrusion may trigger limiting access to the financial accounts. In some cases, a cap may be placed on transactions, risk rules for approving transactions may be increased, or a complete hold may be placed on some or all of the financial instruments.
    Type: Application
    Filed: December 15, 2016
    Publication date: June 21, 2018
    Inventors: Parveen Bansal, Aparna Krishnan Girish, Madhuri Chandoor
  • Publication number: 20180174146
    Abstract: 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: Application
    Filed: December 15, 2016
    Publication date: June 21, 2018
    Inventors: Parveen Bansal, Aparna Krishnan Girish, Madhuri Chandoor
  • Patent number: 9928506
    Abstract: 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: Grant
    Filed: July 6, 2015
    Date of Patent: March 27, 2018
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventor: Aparna Krishnan Girish
  • Patent number: 9898735
    Abstract: 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: Grant
    Filed: April 26, 2016
    Date of Patent: February 20, 2018
    Assignee: Visa International Service Association
    Inventor: Aparna Krishnan Girish
  • Publication number: 20170300909
    Abstract: Systems and methods may facilitate payment transactions between user computer systems and merchant computer systems. An e-commerce enabler system may generate a library of instructions for execution on the user computing device. On execution, the library of instructions may provide payment information for a payment transaction to a merchant e-commerce computer system via a website hosted by the merchant e-commerce computer system. The payment information may correspond to primary account holder data identifying a payment device. The e-commerce enabler system may forward the payment information to a payment network system, create payment payload data from data returned by the payment network system, and forward the payload data to the merchant e-commerce computer system. The merchant e-commerce computer system may then decrypt at least a portion of the payment payload data to complete the payment transaction between the computing device and the merchant e-commerce computer system.
    Type: Application
    Filed: April 17, 2017
    Publication date: October 19, 2017
    Inventors: Parveen Bansal, Barbara Elizabeth Patterson, Aparna Krishnan Girish
  • Publication number: 20170293914
    Abstract: 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: Application
    Filed: April 11, 2017
    Publication date: October 12, 2017
    Inventors: Aparna Krishnan Girish, Parveen Bansal
  • Publication number: 20170148013
    Abstract: E-commerce personal account numbers, shipping addresses, and other data may be tokenized to facilitate transaction completion by establishing e-commerce browser standards. Tag data may be received from a website associated with an e-commerce transaction. The tag data may include an indication that a merchant payment webpage is configured to receive a payment transaction via a token. Tokens may then be created from a personal account number and a shipping address corresponding to the personal account number in response to a request for token data.
    Type: Application
    Filed: November 23, 2016
    Publication date: May 25, 2017
    Inventors: PANKAJ RAJURKAR, Ashish Kulpati, Koni Uttam Nayak, Gurumoorthy Hariharan, Aparna Krishnan Girish, Parveen Bansal, Michelle Scurrah
  • Publication number: 20170032361
    Abstract: 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: Application
    Filed: July 29, 2016
    Publication date: February 2, 2017
    Inventors: Thomas Purves, Clint Florez, Amit Gupta, Aparna Krishnan, Peng Zhao, Chunxi Jiang, Sang Wook Lee, Kevin Carvalho
  • Publication number: 20160283935
    Abstract: 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: Application
    Filed: April 26, 2016
    Publication date: September 29, 2016
    Inventor: APARNA KRISHNAN GIRISH
  • Publication number: 20160005030
    Abstract: 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: Application
    Filed: July 6, 2015
    Publication date: January 7, 2016
    Inventor: APARNA KRISHNAN GIRISH
  • Publication number: 20150100417
    Abstract: 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: Application
    Filed: May 29, 2014
    Publication date: April 9, 2015
    Applicant: Visa International Service Association
    Inventor: Aparna Krishnan Girish