Patents by Inventor Avinash Kalgi
Avinash Kalgi 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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Patent number: 11900359Abstract: The ELECTRONIC WALLET CHECKOUT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“EWCP”) transform customer purchase requests triggering electronic wallet applications via EWCP components into electronic purchase confirmation and receipts. In one implementation, the EWCP receives a merchant payment request, and determines a payment protocol handler associated with the merchant payment request. The EWCP instantiates a wallet application via the payment protocol handler. The EWCP obtains a payment method selection via the wallet application, wherein the selected payment method is one of a credit card, a debit card, a gift card selected from an electronic wallet, and sends a transaction execution request for a transaction associated with the merchant payment request. Also, the EWCP receives a purchase response to the transaction execution request, and outputs purchase response information derived from the received purchase response.Type: GrantFiled: May 17, 2021Date of Patent: February 13, 2024Assignee: Visa International Service AssociationInventor: Avinash Kalgi
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Patent number: 11397946Abstract: Systems and methods are provided for merchant mobile acceptance of user device data. For example, a method comprises receiving encrypted user device data and reader metadata from a merchant mobile device, determining a device reader API and device reader encryption scheme using the device reader metadata, parsing the encrypted user device data using the device reader API to determine encrypted personal information, and decrypting the encrypted personal information using the reader encryption scheme.Type: GrantFiled: May 30, 2018Date of Patent: July 26, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Avinash Kalgi, Qian Wang
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Publication number: 20210295311Abstract: Systems, apparatuses, and methods are provided for conducting encrypted payment transactions. In some embodiments, a payment device may send account credentials for a digital wallet to a wallet provider computer, and receive encrypted payment data from the wallet provider computer in response. The payment device may then send a request to initiate a transaction to a transaction processor computer (e.g., a merchant computer or a merchant processor computer), the request to initiate the transaction including the encrypted payment data. The transaction processor computer can then decrypt the encrypted payment data and conduct the transaction.Type: ApplicationFiled: June 9, 2021Publication date: September 23, 2021Inventor: Avinash Kalgi
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Publication number: 20210272101Abstract: The ELECTRONIC WALLET CHECKOUT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“EWCP”) transform customer purchase requests triggering electronic wallet applications via EWCP components into electronic purchase confirmation and receipts. In one implementation, the EWCP receives a merchant payment request, and determines a payment protocol handler associated with the merchant payment request. The EWCP instantiates a wallet application via the payment protocol handler. The EWCP obtains a payment method selection via the wallet application, wherein the selected payment method is one of a credit card, a debit card, a gift card selected from an electronic wallet, and sends a transaction execution request for a transaction associated with the merchant payment request. Also, the EWCP receives a purchase response to the transaction execution request, and outputs purchase response information derived from the received purchase response.Type: ApplicationFiled: May 17, 2021Publication date: September 2, 2021Inventor: Avinash Kalgi
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Patent number: 11062301Abstract: Systems, apparatuses, and methods are provided for conducting encrypted payment transactions. In some embodiments, a payment device may send account credentials for a digital wallet to a wallet provider computer, and receive encrypted payment data from the wallet provider computer in response. The payment device may then send a request to initiate a transaction to a transaction processor computer (e.g., a merchant computer or a merchant processor computer), the request to initiate the transaction including the encrypted payment data. The transaction processor computer can then decrypt the encrypted payment data and conduct the transaction.Type: GrantFiled: January 7, 2015Date of Patent: July 13, 2021Assignee: Visa International Service AssociationInventor: Avinash Kalgi
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Patent number: 11010753Abstract: The ELECTRONIC WALLET CHECKOUT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“EWCP”) transform customer purchase requests triggering electronic wallet applications via EWCP components into electronic purchase confirmation and receipts. In one implementation, the EWCP receives a merchant payment request, and determines a payment protocol handler associated with the merchant payment request. The EWCP instantiates a wallet application via the payment protocol handler. The EWCP obtains a payment method selection via the wallet application, wherein the selected payment method is one of a credit card, a debit card, a gift card selected from an electronic wallet, and sends a transaction execution request for a transaction associated with the merchant payment request. Also, the EWCP receives a purchase response to the transaction execution request, and outputs purchase response information derived from the received purchase response.Type: GrantFiled: September 25, 2018Date of Patent: May 18, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventor: Avinash Kalgi
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Patent number: 10803449Abstract: The ELECTRONIC WALLET CHECKOUT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“EWCP”) transform customer purchase requests triggering electronic wallet applications via EWCP components into electronic purchase confirmation and receipts. In one implementation, the EWCP receives a merchant payment request, and determines a payment protocol handler associated with the merchant payment request. The EWCP instantiates a wallet application via the payment protocol handler. The EWCP obtains a payment method selection via the wallet application, wherein the selected payment method is one of a credit card, a debit card, a gift card selected from an electronic wallet, and sends a transaction execution request for a transaction associated with the merchant payment request. Also, the EWCP receives a purchase response to the transaction execution request, and outputs purchase response information derived from the received purchase response.Type: GrantFiled: April 21, 2017Date of Patent: October 13, 2020Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventor: Avinash Kalgi
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Patent number: 10536267Abstract: The solution herein describes a software module that works in combination with certain hardware (e.g., a particular chipset) to obtain the level of security provided by an HSM. The software module can be implemented on a commodity server. The software module can utilize an HSM or key custodian to obtain cryptographic keys. The cryptographic keys may be stored on the commodity server within a secure memory space managed by the commodity server's chip set. While stored, access to the cryptographic keys may be managed by the chip set. The chip set can ensure that only protected applications associated with the cryptographic keys may access said keys.Type: GrantFiled: September 15, 2017Date of Patent: January 14, 2020Assignee: Visa International Service AssociationInventors: Adam Conway, Avinash Kalgi
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Patent number: 10419529Abstract: The HYBRID APPLICATIONS UTILIZING DISTRIBUTED MODELS AND VIEWS APPARATUSES, METHODS AND SYSTEMS (“HAP”) transform hybrid application user inputs using HAP components into web-view secured data populated application views. In some implementations, the disclosure provides a processor-implemented method of providing distributed model views utilizing a hybrid application environment.Type: GrantFiled: November 6, 2018Date of Patent: September 17, 2019Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventor: Avinash Kalgi
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Publication number: 20190089529Abstract: The solution herein describes a software module that works in combination with certain hardware (e.g., a particular chipset) to obtain the level of security provided by an HSM. The software module can be implemented on a commodity server. The software module can utilize an HSM or key custodian to obtain cryptographic keys. The cryptographic keys may be stored on the commodity server within a secure memory space managed by the commodity server's chip set. While stored, access to the cryptographic keys may be managed by the chip set. The chip set can ensure that only protected applications associated with the cryptographic keys may access said keys.Type: ApplicationFiled: September 15, 2017Publication date: March 21, 2019Inventors: Adam Conway, Avinash Kalgi
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Publication number: 20190075156Abstract: The HYBRID APPLICATIONS UTILIZING DISTRIBUTED MODELS AND VIEWS APPARATUSES, METHODS AND SYSTEMS (“HAP”) transform hybrid application user inputs using HAP components into web-view secured data populated application views. In some implementations, the disclosure provides a processor-implemented method of providing distributed model views utilizing a hybrid application environment.Type: ApplicationFiled: November 6, 2018Publication date: March 7, 2019Inventor: Avinash Kalgi
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Publication number: 20190026729Abstract: The ELECTRONIC WALLET CHECKOUT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“EWCP”) transform customer purchase requests triggering electronic wallet applications via EWCP components into electronic purchase confirmation and receipts. In one implementation, the EWCP receives a merchant payment request, and determines a payment protocol handler associated with the merchant payment request. The EWCP instantiates a wallet application via the payment protocol handler. The EWCP obtains a payment method selection via the wallet application, wherein the selected payment method is one of a credit card, a debit card, a gift card selected from an electronic wallet, and sends a transaction execution request for a transaction associated with the merchant payment request. Also, the EWCP receives a purchase response to the transaction execution request, and outputs purchase response information derived from the received purchase response.Type: ApplicationFiled: September 25, 2018Publication date: January 24, 2019Inventor: Avinash Kalgi
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Patent number: 10154084Abstract: The HYBRID APPLICATIONS UTILIZING DISTRIBUTED MODELS AND VIEWS APPARATUSES, METHODS AND SYSTEMS (“HAP”) transform hybrid application user inputs using HAP components into web-view secured data populated application views. In some implementations, the disclosure provides a processor-implemented method of providing distributed model views utilizing a hybrid application environment.Type: GrantFiled: January 13, 2017Date of Patent: December 11, 2018Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventor: Avinash Kalgi
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Patent number: 10121129Abstract: The ELECTRONIC WALLET CHECKOUT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“EWCP”) transform customer purchase requests triggering electronic wallet applications via EWCP components into electronic purchase confirmation and receipts. In one implementation, the EWCP receives a merchant payment request, and determines a payment protocol handler associated with the merchant payment request. The EWCP instantiates a wallet application via the payment protocol handler. The EWCP obtains a payment method selection via the wallet application, wherein the selected payment method is one of a credit card, a debit card, a gift card selected from an electronic wallet, and sends a transaction execution request for a transaction associated with the merchant payment request. Also, the EWCP receives a purchase response to the transaction execution request, and outputs purchase response information derived from the received purchase response.Type: GrantFiled: July 5, 2012Date of Patent: November 6, 2018Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventor: Avinash Kalgi
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Publication number: 20180276659Abstract: Systems and methods are provided for merchant mobile acceptance of user device data. For example, a method comprises receiving encrypted user device data and reader metadata from a merchant mobile device, determining a device reader API and device reader encryption scheme using the device reader metadata, parsing the encrypted user device data using the device reader API to determine encrypted personal information, and decrypting the encrypted personal information using the reader encryption scheme.Type: ApplicationFiled: May 30, 2018Publication date: September 27, 2018Inventors: Avinash Kalgi, Qian Wang
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Patent number: 10013690Abstract: Systems and methods are provided for merchant mobile acceptance of user device data. For example, a method comprises receiving encrypted user device data and reader metadata from a merchant mobile device, determining a device reader API and device reader encryption scheme using the device reader metadata, parsing the encrypted user device data using the device reader API to determine encrypted personal information, and decrypting the encrypted personal information using the reader encryption scheme.Type: GrantFiled: January 16, 2014Date of Patent: July 3, 2018Assignee: VISA INTERNATIONAL SERVICE ASSSOCIATIONInventors: Avinash Kalgi, Qian Wang
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Publication number: 20170255982Abstract: Embodiments of the invention are directed to systems and methods for allowing a single representation of a trigger for payment across different environments using machine readable codes. A machine readable code may be encoded with a URL and information about a product to which the machine readable code is attached. A first electronic device may be able to scan and decode the machine readable code into first recognizable product information using a complaint application. The compliant application may populate a first form on the first electronic device for a first transaction with the recognizable product information without having to access a server. A non-compliant application on a second electronic device will launch a browser using the URL and provide the unrecognizable product information to the server for decoding. The server will decode the unrecognizable product information into a second recognizable product information that may be used to populate a second form for a second transaction.Type: ApplicationFiled: May 17, 2017Publication date: September 7, 2017Inventors: Avinash Kalgi, Keith Bailey, Matthew Ward-Steinman
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Publication number: 20170243199Abstract: The ELECTRONIC WALLET CHECKOUT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“EWCP”) transform customer purchase requests triggering electronic wallet applications via EWCP components into electronic purchase confirmation and receipts. In one implementation, the EWCP receives a merchant payment request, and determines a payment protocol handler associated with the merchant payment request. The EWCP instantiates a wallet application via the payment protocol handler. The EWCP obtains a payment method selection via the wallet application, wherein the selected payment method is one of a credit card, a debit card, a gift card selected from an electronic wallet, and sends a transaction execution request for a transaction associated with the merchant payment request. Also, the EWCP receives a purchase response to the transaction execution request, and outputs purchase response information derived from the received purchase response.Type: ApplicationFiled: April 21, 2017Publication date: August 24, 2017Inventor: AVINASH KALGI
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Patent number: 9705893Abstract: Methods and systems for verifying whether a submission of a request is likely from a human user or an automated program are described. A request may be received from a user device. A human challenge-response test adapted for displaying on the user device is displayed on the user device. Upon viewing the human challenge-response test, the user enters the user's solution to the human challenge-response test on the user device. A response hash value is created based on the user's solution. The response hash value is sent to a computing device for verification.Type: GrantFiled: March 19, 2015Date of Patent: July 11, 2017Assignee: Visa International Service AssociationInventors: Avinash Kalgi, Matthew Ward-Steinman, Qian Wang
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Patent number: 9684920Abstract: Embodiments of the invention are directed to systems and methods for allowing a single representation of a trigger for payment across different environments using machine readable codes. A machine readable code may be encoded with a URL and information about a product to which the machine readable code is attached. A first electronic device may be able to scan and decode the machine readable code into first recognizable product information using a complaint application. The compliant application may populate a first form on the first electronic device for a first transaction with the recognizable product information without having to access a server. A non-compliant application on a second electronic device will launch a browser using the URL and provide the unrecognizable product information to the server for decoding. The server will decode the unrecognizable product information into a second recognizable product information that may be used to populate a second form for a second transaction.Type: GrantFiled: February 19, 2013Date of Patent: June 20, 2017Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Avinash Kalgi, Keith Bailey, Matthew Ward-Steinman