Patents by Inventor Ashwin Raj

Ashwin Raj 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: 9426659
    Abstract: Systems and methods for service activation using algorithmically defined keys are disclosed. A consumer who has a relationship with a first party may wish to enroll in a service provided by a third party. The first party can maintain control of such enrollments through the use of algorithmically defined keys. The algorithmically defined keys also allow the third party service provider to verify data provided by the consumer as matching data stored by the first party. The verification provides for data synchronization without requiring the third party to have access to the first parties data systems.
    Type: Grant
    Filed: September 17, 2015
    Date of Patent: August 23, 2016
    Inventors: Ashwin Raj, John Tullis, Mark Carlson, Patrick Faith, Shalini Mayor, Joseph Mirizzi, Lauren White, Olivier Brand, Mike Lindelsee
  • Publication number: 20160007197
    Abstract: Systems and methods for service activation using algorithmically defined keys are disclosed. A consumer who has a relationship with a first party may wish to enroll in a service provided by a third party. The first party can maintain control of such enrollments through the use of algorithmically defined keys. The algorithmically defined keys also allow the third party service provider to verify data provided by the consumer as matching data stored by the first party. The verification provides for data synchronization without requiring the third party to have access to the first parties data systems.
    Type: Application
    Filed: September 17, 2015
    Publication date: January 7, 2016
    Inventors: Ashwin Raj, John Tullis, Mark Carlson, Patrick Faith, Shalini Mayor, Joseph Mirizzi, Lauren White, Olivier Brand, Mike Lindelsee
  • Patent number: 9160734
    Abstract: Systems and methods for service activation using algorithmically defined keys are disclosed. A consumer who has a relationship with a first party may wish to enroll in a service provided by a third party. The first party can maintain control of such enrollments through the use of algorithmically defined keys. The algorithmically defined keys also allow the third party service provider to verify data provided by the consumer as matching data stored by the first party. The verification provides for data synchronization without requiring the third party to have access to the first parties data systems.
    Type: Grant
    Filed: May 27, 2014
    Date of Patent: October 13, 2015
    Assignee: Visa International Service Association
    Inventors: Ashwin Raj, John Tullis, Mark Carlson, Patrick Faith, Shalini Mayor, Joseph Mirizzi, Lauren White, Olivier Brand, Mike Lindelsee
  • Publication number: 20140325606
    Abstract: Systems and methods for service activation using algorithmically defined keys are disclosed. A consumer who has a relationship with a first party may wish to enroll in a service provided by a third party. The first party can maintain control of such enrollments through the use of algorithmically defined keys. The algorithmically defined keys also allow the third party service provider to verify data provided by the consumer as matching data stored by the first party. The verification provides for data synchronization without requiring the third party to have access to the first parties data systems.
    Type: Application
    Filed: May 27, 2014
    Publication date: October 30, 2014
    Inventors: Ashwin Raj, John Tullis, Mark Carlson, Patrick Faith, Shalini Mayor, Joseph Mirizzi, Lauren White, Olivier Brand, Mike Lindelsee
  • Patent number: 8782391
    Abstract: Systems and methods for service activation using algorithmically defined keys are disclosed. A consumer who has a relationship with a first party may wish to enroll in a service provided by a third party. The first party can maintain control of such enrollments through the use of algorithmically defined keys. The algorithmically defined keys also allow the third party service provider to verify data provided by the consumer as matching data stored by the first party. The verification provides for data synchronization without requiring the third party to have access to the first parties data systems.
    Type: Grant
    Filed: June 8, 2010
    Date of Patent: July 15, 2014
    Assignee: Visa International Service Association
    Inventors: Ashwin Raj, John Tullis, Mark Carlson, Patrick Faith, Shalini Mayor, Joseph Mirizzi, Lauren White, Olivier Brand, Mike Lindelsee
  • Publication number: 20110282780
    Abstract: A method for a value transfer operation includes determining a sender currency using the account information of the sender and a receiver currency using the BIN associated with the sender account. The method further includes determining a currency exchange rate, transaction fee, and currency markup fee based on the sender and receiver currencies and various attributes of the sender account and the receiver account.
    Type: Application
    Filed: April 18, 2011
    Publication date: November 17, 2011
    Inventors: Susan French, Mark Carlson, Alesia Panagiotides, Justin Chace, Kate Kennedy, Ashwin Raj, John Tullis, Vishwanath Shastry
  • Publication number: 20110238553
    Abstract: Funds are electronically transferred between a provider and a beneficiary. A provider accountholder accesses a funds transfer system to communicate with a host. The provider accountholder sends the host information sufficient to process the electronic funds transfer including designating transfer conditions to be satisfied prior to remittance of the funds from a provider account to a beneficiary account. The host receives the funds transfer request from the provider accountholder, receives authorization of the funds transfer from the issuer of the provider account, and, prior to remitting the funds, determines if the transfer conditions are satisfied. In some implementations, the funds are suspended in the provider account or transferred to a temporary account before the remittance. A system is disclosed for generating a payment card for any beneficiary account type, where the funds transfers terminates in a new account opening, followed by funding of that new account.
    Type: Application
    Filed: June 2, 2010
    Publication date: September 29, 2011
    Inventors: Ashwin Raj, John Richard Tullis, Shilpak Mahadkar, Rupa Vazirani
  • Publication number: 20100318783
    Abstract: Systems and methods for service activation using algorithmically defined keys are disclosed. A consumer who has a relationship with a first party may wish to enroll in a service provided by a third party. The first party can maintain control of such enrollments through the use of algorithmically defined keys. The algorithmically defined keys also allow the third party service provider to verify data provided by the consumer as matching data stored by the first party. The verification provides for data synchronization without requiring the third party to have access to the first parties data systems.
    Type: Application
    Filed: June 8, 2010
    Publication date: December 16, 2010
    Inventors: Ashwin Raj, John Tullis, Mark Carlson, Patrick Faith, Shalini Mayor, Joseph Mirizzi, Lauren White, Olivier Brand, Mike Lindelsee