Patents by Inventor Chandra S. Balasubramanian
Chandra S. Balasubramanian 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: 20230419311Abstract: Systems, methods, and computer program products for dynamic passcode communication use a merchant application installed on a user device that receives transaction data associated with a transaction at a merchant system. The transaction data may include an account identifier associated with an account at an issuer system. The merchant application determines, based on the account identifier, whether an issuer application associated with the issuer system is installed on the user device. In response to determining that the issuer application is installed on the user device, the merchant application transmits, to the issuer application, a request for a dynamic passcode. The merchant application receives, from the issuer application, the dynamic passcode and transmits, to the issuer system, an authorization request including the account identifier and the dynamic passcode. The merchant application receives, from the issuer system, an authorization response authorizing or denying the transaction.Type: ApplicationFiled: September 12, 2023Publication date: December 28, 2023Inventors: Siddhartha Chikatamalla, Chandra S. Balasubramanian
-
Patent number: 11790356Abstract: Systems, methods, and computer program products for dynamic passcode communication use a merchant application installed on a user device that receives transaction data associated with a transaction at a merchant system. The transaction data may include an account identifier associated with an account at an issuer system. The merchant application determines, based on the account identifier, whether an issuer application associated with the issuer system is installed on the user device. In response to determining that the issuer application is installed on the user device, the merchant application transmits, to the issuer application, a request for a dynamic passcode. The merchant application receives, from the issuer application, the dynamic passcode and transmits, to the issuer system, an authorization request including the account identifier and the dynamic passcode. The merchant application receives, from the issuer system, an authorization response authorizing or denying the transaction.Type: GrantFiled: September 1, 2021Date of Patent: October 17, 2023Assignee: Visa International Service AssociationInventors: Siddhartha Chikatamalla, Chandra S. Balasubramanian
-
Patent number: 11741462Abstract: A system of electronic communication is disclosed. The system may: create a Pre-Authentication Transaction Number (Pre-ATN) by combining a number with a Special Encode Value (SEV), wherein the SEV is a single digit integer value; encrypt the Pre-ATN using a Format Preserving Encryption (FPE) to generate an encrypted Authentication Transaction Number (ATN); and send the encrypted ATN to an access control server (ACS) to use the encrypted ATN to generate a cardholder Authentication Verification Value (CAVV) or an Accountholder Authentication Value (AAV).Type: GrantFiled: September 17, 2021Date of Patent: August 29, 2023Assignee: CardinalCommerce CorporationInventors: Erik Nils Enright, Adam Ratica, Michael A. Keresman, III, Francis M. Sherwin, Chandra S. Balasubramanian
-
Publication number: 20230067023Abstract: Systems, methods, and computer program products for dynamic passcode communication use a merchant application installed on a user device that receives transaction data associated with a transaction at a merchant system. The transaction data may include an account identifier associated with an account at an issuer system. The merchant application determines, based on the account identifier, whether an issuer application associated with the issuer system is installed on the user device. In response to determining that the issuer application is installed on the user device, the merchant application transmits, to the issuer application, a request for a dynamic passcode. The merchant application receives, from the issuer application, the dynamic passcode and transmits, to the issuer system, an authorization request including the account identifier and the dynamic passcode. The merchant application receives, from the issuer system, an authorization response authorizing or denying the transaction.Type: ApplicationFiled: September 1, 2021Publication date: March 2, 2023Inventors: Siddhartha Chikatamalla, Chandra S. Balasubramanian
-
Publication number: 20220230166Abstract: Provided are a system, method, and computer program product for authenticating a transaction based on behavioral biometric data. The method includes receiving an authorization request message associated with a transaction between a merchant system and a payment device. The method also includes determining that an additional security authentication should be applied to the authorization request message based on transaction data. The method further includes communicating an authenticity assessment request to a behavioral biometrics server computer and receiving, from the behavioral biometrics server computer, an authenticity assessment response generated based on at least a portion of the transaction data. The method further includes generating, based on the authenticity assessment response, an authentication response message configured to authenticate or decline the transaction.Type: ApplicationFiled: August 7, 2020Publication date: July 21, 2022Inventors: Chandra S. Balasubramanian, Douglas Fisher, Nicholas Edward Vondrak
-
Patent number: 11270361Abstract: An electronic platform (10) for facilitating mobile commerce transactions includes: a user interface (20) that is provided to a user (60), the user interface (20) being operable to retrieve from the user (60) a plurality of settings for different parameters that regulate a manner in which the platform (10) operates for a given entity that is being served by the platform (10); a conversation tracking engine (40) that monitors messages exchanged between the platform (10) and mobile device users (72) accessing the platform (10), the conversation tracking engine (40) being operative to recognize which ones of selected monitored messages together form a common conversation and keep track of a current state of that conversation; and, a mobile content rendering engine (30) that is operable to dynamically render mobile content in response to the platform (10) receiving a request from a mobile device (74) for mobile content, the mobile content being rendered in accordance with the parameter settings entered via the usType: GrantFiled: August 8, 2018Date of Patent: March 8, 2022Assignee: CardinalCommerce CorporationInventors: Chandra S. Balasubramanian, Francis M. Sherwin, Christopher Baird
-
Publication number: 20220005030Abstract: A system of electronic communication is disclosed. The system may: create a Pre-Authentication Transaction Number (Pre-ATN) by combining a number with a Special Encode Value (SEV), wherein the SEV is a single digit integer value; encrypt the Pre-ATN using a Format Preserving Encryption (FPE) to generate an encrypted Authentication Transaction Number (ATN); and send the encrypted ATN to an access control server (ACS) to use the encrypted ATN to generate a cardholder Authentication Verification Value (CAVV) or an Accountholder Authentication Value (AAV).Type: ApplicationFiled: September 17, 2021Publication date: January 6, 2022Inventors: Erik Nils Enright, Adam Ratica, Michael A. Keresman, III, Francis M. Sherwin, Chandra S. Balasubramanian
-
Publication number: 20210383387Abstract: A method is provided for verifying a cardholder name associated with a payment device used in connection with a card-not-present transaction.Type: ApplicationFiled: June 9, 2020Publication date: December 9, 2021Inventors: Adam Grant Ratica, Chandra S. Balasubramanian, Christopher A. Baird, Francis M. Sherwin, II, Richard Nicholas Ziolkowski, James J. Houlihan, JR.
-
Patent number: 11195173Abstract: A system of electronic communication is disclosed. The system may: create a Pre-Authentication Transaction Number (Pre-ATN) by combining a number with a Special Encode Value (SEV), wherein the SEV is a single digit integer value; encrypt the Pre-ATN using a Format Preserving Encryption (FPE) to generate an encrypted Authentication Transaction Number (ATN); and send the encrypted ATN to an access control server (ACS) to use the encrypted ATN to generate a cardholder Authentication Verification Value (CAVV) or an Accountholder Authentication Value (AAV).Type: GrantFiled: July 14, 2017Date of Patent: December 7, 2021Assignee: CardinalCommerce CorporationInventors: Erik Nils Enright, Adam Ratica, Michael A. Keresman, III, Francis M. Sherwin, Chandra S. Balasubramanian
-
Patent number: 10872343Abstract: A method is provided for facilitating session-based authentication for a plurality of e-commerce transactions for an account holder. The method includes registering a plurality of account holders, receiving, from an account holder of the plurality of account holders, user input setting the account privilege information for an account corresponding to the account holder, and receiving a transaction request for an e-commerce transaction between the account holder and a merchant, the transaction request comprising transaction details including a transaction value and a transaction time, and, in response to the transaction request, performing, with at least one computer system, an authentication process.Type: GrantFiled: April 2, 2018Date of Patent: December 22, 2020Assignee: CardinalCommerce CorporationInventors: Michael A. Keresman, III, Chandra S. Balasubramanian, Francis M. Sherwin
-
Patent number: 10810575Abstract: A text message order processing system includes: means for receiving text messages from consumers purchasing products from one or more merchants, each of the text messages being addressed to an address selected by the consumer and including an identification of the product being purchased and an identification of a device from which the text message was sent; means for parsing each text messages to extract the identification of the product and the identification of the device from the text massage; means for selecting based upon each received text message a payment instrument to be used to pay for the purchase; means for establishing payment information related to the selected payment instrument and delivery information indicating where the purchased product is to be delivered; means for generating for each received text message an order including the established payment information, delivery information and identification of the product being purchased; and, means for submitting the generated order to an ordType: GrantFiled: October 22, 2018Date of Patent: October 20, 2020Assignee: CardinalCommerce CorporationInventors: Francis Sherwin, Chandra S. Balasubramanian
-
Patent number: 10762554Abstract: A system and method process an electronic commerce transaction between a consumer and a merchant over a communications network. A checkout webpage of a virtual shopping cart of the merchant is displayed by a consumer device and an initialization routine of the checkout webpage is performed by the consumer device. The initialization routine segments the checkout webpage to display a widget webpage of a service provider within the checkout webpage. Content of the widget webpage is loaded and displayed independent of content of the checkout webpage. A bootstrap routine of the widget webpage is performed by the consumer device to add a payment widget to the widget webpage and to display the payment widget with the checkout webpage. Further, the transaction is processed by the consumer device to completion using the payment widget.Type: GrantFiled: May 17, 2017Date of Patent: September 1, 2020Assignee: CardinalCommerce CorporationInventors: Chandra S. Balasubramanian, Andrew Heiss
-
Publication number: 20190236595Abstract: A method and apparatus for conducting a commercial transaction over the Internet or other network connection are provided. Random numbers, which are unique for each user session, are pre-loaded onto a handheld, portable device, or token. The random numbers are generated by external systems and delivered to the token for storage in an internal memory and to a database accessible by an authentication system. The random numbers are dispensed by the token to a user by pressing a button on the token or otherwise signaling the token. A dispensed number is cross referenced, by the authentication system, to the database. The dispensed number authenticates the user or transaction.Type: ApplicationFiled: April 8, 2019Publication date: August 1, 2019Inventors: Michael A. Keresman, III, Andrew J. Hartridge, Chandra S. Balasubramanian
-
Publication number: 20190057375Abstract: A text message order processing system includes: means for receiving text messages from consumers purchasing products from one or more merchants, each of the text messages being addressed to an address selected by the consumer and including an identification of the product being purchased and an identification of a device from which the text message was sent; means for parsing each text messages to extract the identification of the product and the identification of the device from the text massage; means for selecting based upon each received text message a payment instrument to be used to pay for the purchase; means for establishing payment information related to the selected payment instrument and delivery information indicating where the purchased product is to be delivered; means for generating for each received text message an order including the established payment information, delivery information and identification of the product being purchased; and, means for submitting the generated order to an ordType: ApplicationFiled: October 22, 2018Publication date: February 21, 2019Inventors: Francis Sherwin, Chandra S. Balasubramanian
-
Patent number: 10169748Abstract: A system and method process a transaction between a merchant and a consumer at a point of sale (POS). Transaction information for the transaction is received from the consumer at the POS. The transaction information identifies an alternative payment option of an alternative payment provider to use for the transaction. A universal merchant platform (UMP) is requested to approve the transaction with the alternative payment provider of the identified alternative payment option. The request includes the received transaction information and is provided to the UMP according to a unified payment implementation. In response to approval of the transaction, an order identifier is received from the UMP. The order identifier uniquely identifies the transaction. The UMP is requested to authorize and/or capture funds for the transaction using a payment implementation specific to the alternative payment provider of the identified alternative payment option.Type: GrantFiled: June 23, 2014Date of Patent: January 1, 2019Assignee: CardinalCommerce CorporationInventors: Chandra S. Balasubramanian, Michael A. Keresman, III, Eric Goodman, Adam Ratica, Scott Rauhe
-
Patent number: 10157375Abstract: A method of processing a transaction between a merchant and a buyer over a communication network is provided. The transaction is processed using one of a plurality of alternative payment options and each of the alternative payment options are provided by one of a plurality of alternative payment providers. Each of the alternative payment providers uses a different alternative payment implementation. The method includes: obtaining transaction information from the merchant; returning a redirection URL and an order identifier to the merchant; obtaining a transaction message from the merchant, where the transaction message specifies the type of operation; performing the operation type specified in the transaction message with the appropriate alternative payment provider; and returning a processing message to the merchant containing the results from performing the operation type specified in the transaction message.Type: GrantFiled: June 3, 2009Date of Patent: December 18, 2018Assignee: CardinalCommerce CorporationInventors: Chandra S. Balasubramanian, Michael A. Keresman, III, Eric Goodman, Adam Ratica, Scott Rauhe
-
Publication number: 20180349970Abstract: An electronic platform (10) for facilitating mobile commerce transactions includes: a user interface (20) that is provided to a user (60), the user interface (20) being operable to retrieve from the user (60) a plurality of settings for different parameters that regulate a manner in which the platform (10) operates for a given entity that is being served by the platform (10); a conversation tracking engine (40) that monitors messages exchanged between the platform (10) and mobile device users (72) accessing the platform (10), the conversation tracking engine (40) being operative to recognize which ones of selected monitored messages together form a common conversation and keep track of a current state of that conversation; and, a mobile content rendering engine (30) that is operable to dynamically render mobile content in response to the platform (10) receiving a request from a mobile device (74) for mobile content, the mobile content being rendered in accordance with the parameter settings entered via the usType: ApplicationFiled: August 8, 2018Publication date: December 6, 2018Inventors: Chandra S. Balasubramanian, Francis S. Sherwin, Christopher Baird
-
Patent number: 10140608Abstract: A text message order processing system includes: means for receiving text messages from consumers purchasing products from one or more merchants, each of the text messages being addressed to an address selected by the consumer and including an identification of the product being purchased and an identification of a device from which the text message was sent; means for parsing each text messages to extract the identification of the product and the identification of the device from the text massage; means for selecting based upon each received text message a payment instrument to be used to pay for the purchase; means for establishing payment information related to the selected payment instrument and delivery information indicating where the purchased product is to be delivered; means for generating for each received text message an order including the established payment information, delivery information and identification of the product being purchased; and, means for submitting the generated order to an ordType: GrantFiled: May 4, 2017Date of Patent: November 27, 2018Assignee: CardinalCommerce CorporationInventors: Francis Sherwin, Chandra S. Balasubramanian
-
Patent number: 10127549Abstract: A system for processing e-commerce transactions. The system includes one or more processors programmed to receive a selection of one or more alternative payment brands from a merchant. Each of said alternative payment brands including a different merchant application process. Further, the processors are programmed to receive merchant information from the merchant necessary to apply to the selected alternative payment brands and apply to each of the selected alternative payment brands using the merchant information in accordance with the merchant application process for the selected alternative payment brand.Type: GrantFiled: July 11, 2014Date of Patent: November 13, 2018Assignee: CARDINALCOMMERCE CORPORATIONInventors: Michael A. Keresman, III, Chandra S. Balasubramanian, Michael Roche, Scott Rauhe
-
Patent number: 10074117Abstract: An electronic platform (10) for facilitating mobile commerce transactions includes: a user interface (20) that is provided to a user (60), the user interface (20) being operable to retrieve from the user (60) a plurality of settings for different parameters that regulate a manner in which the platform (10) operates for a given entity that is being served by the platform (10); a conversation tracking engine (40) that monitors messages exchanged between the platform (10) and mobile device users (72) accessing the platform (10), the conversation tracking engine (40) being operative to recognize which ones of selected monitored messages together form a common conversation and keep track of a current state of that conversation; and, a mobile content rendering engine (30) that is operable to dynamically render mobile content in response to the platform (10) receiving a request from a mobile device (74) for mobile content, the mobile content being rendered in accordance with the parameter settings entered via the usType: GrantFiled: May 12, 2008Date of Patent: September 11, 2018Assignee: CARDINALCOMMERCE CORPORATIONInventors: Chandra S. Balasubramanian, Francis M. Sherwin, Christopher Baird