Patents by Inventor Bharathi Ramavarjula

Bharathi Ramavarjula 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: 10769638
    Abstract: A method for validating payment information for an online transaction is provided. A payment server can receive two representations of the same payment information. The payment information can be validated if it is determined that the two representations match. If there is no match, or the payment information is otherwise invalid, the payment information can be repaired based on a trusted representation of the payment information, such as stored payment information or an image of an associated value token. Payment information can be received via one or more communication channels, and can be provided by one or more consumer devices. A merchant service provider can validate payment information and handle transaction processing on behalf of a merchant.
    Type: Grant
    Filed: November 13, 2017
    Date of Patent: September 8, 2020
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Bharathi Ramavarjula, Nimesh Parikh, Timothy Wright
  • Publication number: 20180068319
    Abstract: A method for validating payment information for an online transaction is provided. A payment server can receive two representations of the same payment information. The payment information can be validated if it is determined that the two representations match. If there is no match, or the payment information is otherwise invalid, the payment information can be repaired based on a trusted representation of the payment information, such as stored payment information or an image of an associated value token. Payment information can be received via one or more communication channels, and can be provided by one or more consumer devices. A merchant service provider can validate payment information and handle transaction processing on behalf of a merchant.
    Type: Application
    Filed: November 13, 2017
    Publication date: March 8, 2018
    Inventors: Bharathi Ramavarjula, Nimesh Parikh, Timothy Wright
  • Patent number: 9846879
    Abstract: A method for validating payment information for an online transaction is provided. A payment server can receive two representations of the same payment information. The payment information can be validated if it is determined that the two representations match. If there is no match, or the payment information is otherwise invalid, the payment information can be repaired based on a trusted representation of the payment information, such as stored payment information or an image of an associated value token. Payment information can be received via one or more communication channels, and can be provided by one or more consumer devices. A merchant service provider can validate payment information and handle transaction processing on behalf of a merchant.
    Type: Grant
    Filed: July 2, 2014
    Date of Patent: December 19, 2017
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Bharathi Ramavarjula, Nimesh Parikh, Timothy Wright
  • Publication number: 20150012435
    Abstract: A method for validating payment information for an online transaction is provided. A payment server can receive two representations of the same payment information. The payment information can be validated if it is determined that the two representations match. If there is no match, or the payment information is otherwise invalid, the payment information can be repaired based on a trusted representation of the payment information, such as stored payment information or an image of an associated value token. Payment information can be received via one or more communication channels, and can be provided by one or more consumer devices. A merchant service provider can validate payment information and handle transaction processing on behalf of a merchant.
    Type: Application
    Filed: July 2, 2014
    Publication date: January 8, 2015
    Inventors: Bharathi Ramavarjula, Nimesh Parikh, Timothy Wright
  • Patent number: 8600886
    Abstract: A transaction account verification system and method are provided. A user computing device transmits an account registration request that includes a selection of an account verification technique. A service provider obtains the request and initiates a set of transactions with an identified financial service provider. The service provider generates at least one verification token reflective of the set of transactions and at least one piece of information associated with the selected account verification technique. The user computing device generates at least one user verification token from user input regarding the set of transactions and at least one piece of information associated with the selected account verification technique. The service provider can verify the transaction account and set transaction thresholds based upon matching verification tokens.
    Type: Grant
    Filed: September 15, 2012
    Date of Patent: December 3, 2013
    Assignee: Amazon Technologies, Inc.
    Inventors: Bharathi Ramavarjula, Jeffrey A. Hughes
  • Publication number: 20130060698
    Abstract: A transaction account verification system and method are provided. A user computing device transmits an account registration request that includes a selection of an account verification technique. A service provider obtains the request and initiates a set of transactions with an identified financial service provider. The service provider generates at least one verification token reflective of the set of transactions and at least one piece of information associated with the selected account verification technique. The user computing device generates at least one user verification token from user input regarding the set of transactions and at least one piece of information associated with the selected account verification technique. The service provider can verify the transaction account and set transaction thresholds based upon matching verification tokens.
    Type: Application
    Filed: September 15, 2012
    Publication date: March 7, 2013
    Inventors: Bharathi Ramavarjula, Jeffrey A. Hughes
  • Patent number: 8321343
    Abstract: A transaction account verification system and method are provided. A user computing device transmits an account registration request that includes a selection of an account verification technique. A service provider obtains the request and initiates a set of transactions with an identified financial service provider. The service provider generates at least one verification token reflective of the set of transactions and at least one piece of information associated with the selected account verification technique. The user computing device generates at least one user verification token from user input regarding the set of transactions and at least one piece of information associated with the selected account verification technique. The service provider can verify the transaction account and set transaction thresholds based upon matching verification tokens.
    Type: Grant
    Filed: December 18, 2009
    Date of Patent: November 27, 2012
    Assignee: Amazon Technologies, Inc.
    Inventors: Bharathi Ramavarjula, Jeffrey A. Hughes
  • Publication number: 20120271762
    Abstract: A method and system utilized to receive a registration request to register a mobile telephone with a financial payment system and contact information that identifies the mobile telephone. The system generates a confirmation code responsive to receiving the contact information and communicates the confirmation code to the mobile telephone. The system further receives from the mobile telephone a request to confirm the registration, the request to confirm registration including the confirmation code; and configures the first financial account at the financial payment system to receive instructions from the mobile telephone to transfer funds on the financial payment system.
    Type: Application
    Filed: July 6, 2012
    Publication date: October 25, 2012
    Applicant: eBay Inc.
    Inventors: 94303 Freeland, Franck Chastagnol, Hugo Olliphant, Celine Martig, Thomas Belousek, Bharathi Ramavarjula, Alex Khomenko, Kenneth Kang
  • Publication number: 20100094742
    Abstract: A transaction account verification system and method are provided. A user computing device transmits an account registration request that includes a selection of an account verification technique. A service provider obtains the request and initiates a set of transactions with an identified financial service provider. The service provider generates at least one verification token reflective of the set of transactions and at least one piece of information associated with the selected account verification technique. The user computing device generates at least one user verification token from user input regarding the set of transactions and at least one piece of information associated with the selected account verification technique. The service provider can verify the transaction account and set transaction thresholds based upon matching verification tokens.
    Type: Application
    Filed: December 18, 2009
    Publication date: April 15, 2010
    Inventors: Bharathi Ramavarjula, Jeffrey A. Hughes
  • Patent number: 7644042
    Abstract: A transaction account verification system and method are provided. A user computing device transmits an account registration request that includes a selection of an account verification technique. A service provider obtains the request and initiates a set of transactions with an identified financial service provider. The service provider generates a verification token reflective of the set of transactions and at least one piece of information associated with the selected account verification technique. The user computing device generates a user verification token from user input regarding the set of transactions and at least one piece of information associated with the selected account verification technique. The service provider can verify the transaction account and set transaction thresholds based upon matching verification tokens.
    Type: Grant
    Filed: June 30, 2006
    Date of Patent: January 5, 2010
    Assignee: Amazon Technologies, Inc.
    Inventors: Bharathi Ramavarjula, Jeffrey A. Hughes
  • Publication number: 20080015987
    Abstract: A transaction account verification system and method are provided. A user computing device transmits an account registration request that includes a selection of an account verification technique. A service provider obtains the request and initiates a set of transactions with an identified financial service provider. The service provider generates a verification token reflective of the set of transactions and at least one piece of information associated with the selected account verification technique. The user computing device generates a user verification token from user input regarding the set of transactions and at least one piece of information associated with the selected account verification technique. The service provider can verify the transaction account and set transaction thresholds based upon matching verification tokens.
    Type: Application
    Filed: June 30, 2006
    Publication date: January 17, 2008
    Inventors: Bharathi Ramavarjula, Jeffrey A. Hughes
  • Publication number: 20060085253
    Abstract: A method and a system to utilize a user network within a network-based commerce platform. For example, the method includes identifying a target group including at least one other user of the network-based commerce system based on at least one group association rule, the at least one group association rule being selected by a first user, communicating transaction information to the identified target group, and facilitating the transaction between at least one target user of the identified target group and the first user, wherein the first user and the identified target group have an existing relationship.
    Type: Application
    Filed: October 18, 2004
    Publication date: April 20, 2006
    Inventors: Matthew Mengerink, Michel Weksler, Bharathi Ramavarjula