Patents by Inventor Debashis Ghosh

Debashis Ghosh 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: 10192229
    Abstract: A method for controlling access to data displayed by an information services portal on a user device is provided. The method includes receiving a candidate login input corresponding to a user. The method further includes comparing the candidate login input to a list of login entries stored in the memory, each of the stored login entries having a corresponding code segment, each code segment defining a bounding area defining a geographic area. The method further includes retrieving from the memory a selected code segment corresponding to the stored login entry matching the candidate login input, and applying a geographic restriction to the data set by processing the selected code segment. The method further includes transmitting a data subset of the data set to the user computing device for display, the data subset including data satisfying the geographic restriction.
    Type: Grant
    Filed: September 4, 2015
    Date of Patent: January 29, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventor: Debashis Ghosh
  • Publication number: 20180365699
    Abstract: A computer-implemented method for tokenless authentication of a paying consumer during a payment transaction uses a computing device having a processor and a memory. The method includes receiving a plurality of biometric data sets for a plurality of consumers. Each biometric data set includes at least a biometric image of a consumer and an associated payment account identifier. The method also includes receiving, from a first biometric input device communicatively coupled to the processor, a first biometric image of the paying consumer including an iris image. The method further includes determining a payment account associated with the paying consumer based on at least the first biometric image and the plurality of biometric data sets. The method also includes authenticating use of the payment account by the paying consumer for a payment transaction at the retail location by comparing the first biometric image to the plurality of biometric data sets.
    Type: Application
    Filed: January 26, 2018
    Publication date: December 20, 2018
    Inventors: Debashis Ghosh, Randy Shuken, Mary Elizabeth Lesbirel
  • Patent number: 9989066
    Abstract: The disclosure relates to a blower assembly having a blower housing, an impeller adapted for rotation about an axis A-A disposed in blower housing, and an intake plenum cooperating with the interior first surface of the blower housing to define an air entrance passage for receiving an incoming air flow. The intake plenum includes means to split the incoming air flow into a plurality of air streams and direct the air streams to predetermined portions of the impeller susceptible to stall conditions as the impeller rotates about the axis A-A. The means to split the incoming air may include a splitter plate disposed in the air entrance passage or at least one port defined in a portion of the air intake plenum adjacent the impeller.
    Type: Grant
    Filed: March 13, 2014
    Date of Patent: June 5, 2018
    Assignee: MAHLE International GmbH
    Inventors: Debashis Ghosh, Richard S. Baranowski, Shamsuddin Noorani
  • Publication number: 20180150847
    Abstract: A computer-implemented method for tokenless authentication of a paying consumer during a payment transaction uses a computing device having a processor and a memory. The method includes receiving a plurality of biometric data sets for a plurality of consumers. Each biometric data set includes at least a biometric image of a consumer and an associated payment account identifier. The method also includes receiving, from a first biometric input device communicatively coupled to the processor, a first biometric image of the paying consumer including an iris image. The method further includes determining a payment account associated with the paying consumer based on at least the first biometric image and the plurality of biometric data sets. The method also includes authenticating use of the payment account by the paying consumer for a payment transaction at the retail location by comparing the first biometric image to the plurality of biometric data sets.
    Type: Application
    Filed: January 26, 2018
    Publication date: May 31, 2018
    Inventors: Debashis Ghosh, Randy Shuken, Mary Elizabeth Lesbirel
  • Publication number: 20180144402
    Abstract: A method implemented using a computing device in communication with one or more memory devices is provided. The method includes receiving a request from a client computing device to provide financial performance data for at least a first merchant of a plurality of merchants, retrieving transaction data associated with the plurality of merchants from the one or more memory devices wherein the transaction data is associated with payments processed through a payment network, comparing the transaction data associated with the first merchant to the transaction data associated with each of the plurality of merchants to determine at least one ranking of the first merchant relative to the plurality of merchants based on at least one financial performance factor, and transmitting the at least one ranking to the client computing device, in response to the request, without providing a name of the first merchant.
    Type: Application
    Filed: January 22, 2018
    Publication date: May 24, 2018
    Inventors: Debashis Ghosh, Randy Shuken
  • Publication number: 20180108000
    Abstract: A merchant analytics computing device for generating aggregated merchant analytics for a geographic sector using tip data is provided. The merchant analytics computing device is programmed to define a plurality of geographic sectors and receive transaction data occurring within a period of time. The transaction data is associated with merchants located in the sector and includes authorization and clearing transactions. The merchant analytics computing device is programmed to match a plurality of authorization and clearing transactions, calculate a tip size for each matched transaction, identify the sector for each merchant, and generate aggregated merchant analytics for each sector based on the transaction data. The aggregated merchant analytics represent a ranking of each sector relative to all other sectors of the plurality of sectors and include at least a tip size score based on the calculated tip size. The merchant analytics computing device displays on a user device the aggregated analytics.
    Type: Application
    Filed: October 18, 2016
    Publication date: April 19, 2018
    Inventors: Manash Bhattacharjee, Debashis Ghosh, Prashanna S. Tiwaree
  • Publication number: 20180089741
    Abstract: A method for processing a consumer referral includes: storing, a plurality of location data entries, each entry including data related to a geographic location including a location identifier and location data; storing a plurality of referral data entries, each entry including data related to a referral including a referral identifier and one or more specific location identifiers; receiving a referral request, the request including a specific referral identifier encoded in a machine-readable code displayed at a specific geographic location associated with the specific referral identifier; identifying a specific referral data entry where the included referral identifier corresponds to the specific referral identifier; identifying a specific location data entry where the included location identifier corresponds to one of the one or more specific location identifiers included in the identified specific referral data entry; and transmitting the location data included in the identified specific location data entry
    Type: Application
    Filed: November 7, 2017
    Publication date: March 29, 2018
    Applicant: Mastercard International Incorporated
    Inventors: Debashis GHOSH, Randall K. SHUKEN
  • Patent number: 9928358
    Abstract: An authenticating computing device for authenticating a user of a user computing device as a human being. The authenticating computing device comprises a processor configured to receive a request to authenticate a user as human and an identifier associated with at least one of the user and the user computing device. The processor is further configured to retrieve transaction data associated with a payment card account of the user based on the identifier, generate a challenge question based on the transaction data, and generate a plurality of images based on the transaction data. At least one of the plurality of images is a correct image and at least one of the plurality of images is an incorrect image. The processor is further configured to transmit the challenge question and the plurality of images for display on the user computing device.
    Type: Grant
    Filed: December 9, 2013
    Date of Patent: March 27, 2018
    Assignee: MasterCard International Incorporated
    Inventors: Debashis Ghosh, Randy Shuken, Mary Elizabeth Lesbirel
  • Publication number: 20180082459
    Abstract: A computer-implemented method for detecting real estate vacancies using satellite imagery is described. The method is implemented using a computing device in communication with a memory. The method includes receiving, by the computing device, a first location identifier that identifies a first real property location. The method additionally includes retrieving, by the computing device, a first satellite image of the first real property location. Additionally, the method includes retrieving, by the computing device, a second satellite image of the first real property location. The method additionally includes generating, by the computing device, a compound image of the first real property location by overlaying the second satellite image over the first satellite image. Additionally, the method includes providing the compound image to a user interface, wherein the compound image provides an indication of one or more vacant portions of the first real property location.
    Type: Application
    Filed: November 28, 2017
    Publication date: March 22, 2018
    Inventors: Debashis Ghosh, Lavern Gilliard, Justin X. Howe
  • Patent number: 9904921
    Abstract: A computer-implemented method for tokenless authentication of a paying consumer during a payment transaction uses a computing device having a processor and a memory. The method includes receiving a plurality of biometric data sets for a plurality of consumers. Each biometric data set includes at least a biometric image of a consumer and an associated payment account identifier. The method also includes receiving, from a first biometric input device communicatively coupled to the processor, a first biometric image of the paying consumer including an iris image. The method further includes determining a payment account associated with the paying consumer based on at least the first biometric image and the plurality of biometric data sets. The method also includes authenticating use of the payment account by the paying consumer for a payment transaction at the retail location by comparing the first biometric image to the plurality of biometric data sets.
    Type: Grant
    Filed: October 29, 2013
    Date of Patent: February 27, 2018
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Debashis Ghosh, Randy Shuken, Mary Elizabeth Lesbirel
  • Publication number: 20180053270
    Abstract: A method and apparatus for analyzing real property. A request for traffic flow information for a workforce for a region in a selected level in a hierarchy of levels in a real property database is received by a computer system. The traffic flow information for the workforce is displayed by the computer system in a graphical user interface on the display system. The traffic flow information for the workforce displayed in the graphical user interface on the display system enables performing an operation with respect to real property.
    Type: Application
    Filed: August 22, 2016
    Publication date: February 22, 2018
    Inventors: Debashis Ghosh, John Anthony Derrico
  • Publication number: 20180053266
    Abstract: A method and computer program product for analyzing real property. A request for income information for a region in a selected level in a hierarchy of levels in a real property database is received by a computer system. The income information for the region in the selected level in the hierarchy of levels in the real property database is identified by the computer system. The income information in a graphical user interface on a display system is displayed by the computer system. The income information displayed in the graphical user interface on the display system enables performing an operation with respect to the real property.
    Type: Application
    Filed: August 22, 2016
    Publication date: February 22, 2018
    Inventors: Debashis Ghosh, John Anthony Derrico
  • Publication number: 20180040073
    Abstract: A method for validating tax data of a taxable entity comprises: receiving at a computer processor, payment card transaction records including at least one of a customer identifier, a merchant identifier, and transaction purchase amounts corresponding to entity purchase transactions over a given time period; analyzing the payment card transaction records data to generate one or more spending profiles according to one or more categories of merchants; correlating the entity spending profiles with one or more other aggregated spending profiles representative of historical spending by additional entities whose reported income is within a given range of the entity reported income; comparing the degree of correlation with a threshold and generating a signal indicative of a request for secondary review of a tax filing of the entity when the degree of correlation is below the threshold; and otherwise generating a signal indicative of a validated tax filing of the entity.
    Type: Application
    Filed: August 2, 2016
    Publication date: February 8, 2018
    Inventors: Debashis Ghosh, Randall K. Shuken, Manash Bhattacharjee
  • Patent number: 9875506
    Abstract: A method implemented using a computing device in communication with one or more memory devices is provided. The method includes receiving a request from a client computing device to provide financial performance data for at least a first merchant of a plurality of merchants, retrieving transaction data associated with the plurality of merchants from the one or more memory devices wherein the transaction data is associated with payments processed through a payment network, comparing the transaction data associated with the first merchant to the transaction data associated with each of the plurality of merchants to determine at least one ranking of the first merchant relative to the plurality of merchants based on at least one financial performance factor, and transmitting the at least one ranking to the client computing device, in response to the request, without providing a name of the first merchant.
    Type: Grant
    Filed: May 2, 2014
    Date of Patent: January 23, 2018
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Debashis Ghosh, Randy Shuken
  • Publication number: 20170372316
    Abstract: A system and method for authenticating a candidate user accessing a host computing device as an authentic user is provided. The host computing device is in communication with an authenticating computing device. The method includes receiving, by the authenticating computing device, a request to authenticate the candidate user as an authentic user. The authentication request includes a user identifier. The method also includes retrieving, by the authenticating computing device, transaction data including payment transactions performed by the authentic user based on the user identifier. The method also includes generating, by the authenticating computing device, a challenge question and a correct answer based on the transaction data associated with the authentic user, and transmitting the challenge question for display on a candidate user computing device used by the candidate user.
    Type: Application
    Filed: August 14, 2017
    Publication date: December 28, 2017
    Inventors: Debashis Ghosh, Randy Shuken
  • Patent number: 9842359
    Abstract: A method for processing a consumer referral includes: storing, a plurality of location data entries, each entry including data related to a geographic location including a location identifier and location data; storing a plurality of referral data entries, each entry including data related to a referral including a referral identifier and one or more specific location identifiers; receiving a referral request, the request including a specific referral identifier encoded in a machine-readable code displayed at a specific geographic location associated with the specific referral identifier; identifying a specific referral data entry where the included referral identifier corresponds to the specific referral identifier; identifying a specific location data entry where the included location identifier corresponds to one of the one or more specific location identifiers included in the identified specific referral data entry; and transmitting the location data included in the identified specific location data entry
    Type: Grant
    Filed: June 9, 2014
    Date of Patent: December 12, 2017
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Debashis Ghosh, Randall K. Shuken
  • Publication number: 20170353422
    Abstract: A computer-implemented method for processing transaction messages using a social network platform between a requestor and a responder is provided. The method includes receiving a social network message including an item request and a predefined hashtagged identifier. The method further includes transmitting the social network message to one or more registered providers. The method also includes receiving a confirmation from a first registered provider of the one or more registered providers that the first registered provider will provide the requested item. The method further includes transmitting payment information for the item request to a payment processor. The method also includes transmitting a notification to the first registered provider to provide the requested item.
    Type: Application
    Filed: June 2, 2016
    Publication date: December 7, 2017
    Inventors: Debashis Ghosh, Manash Bhattacharjee
  • Patent number: 9830724
    Abstract: A computer-implemented method for detecting real estate vacancies using satellite imagery is described. The method is implemented using a computing device in communication with a memory. The method includes receiving, by the computing device, a first location identifier that identifies a first real property location. The method additionally includes retrieving, by the computing device, a first satellite image of the first real property location. Additionally, the method includes retrieving, by the computing device, a second satellite image of the first real property location. The method additionally includes generating, by the computing device, a compound image of the first real property location by overlaying the second satellite image over the first satellite image. Additionally, the method includes providing the compound image to a user interface, wherein the compound image provides an indication of one or more vacant portions of the first real property location.
    Type: Grant
    Filed: November 21, 2014
    Date of Patent: November 28, 2017
    Assignee: Mastercard International Incorporated
    Inventors: Debashis Ghosh, Lavern Gilliard, Justin X. Howe
  • Patent number: 9776470
    Abstract: An automotive HVAC system includes upper and lower mode cases configured to discharge separate streams of temperature-conditioned air into front and rear passenger zones. The system separates the inlet air into separate mixing chambers, and a third stream through a heater core. Blend doors control hot and cold air streams entering their respective mixing chambers. Operation is controlled by reading requested temperature, blower rate and mode for system zone outlet, converting requests to a flowrate, calculating total flowrate as a summation of all requests, employing a math model to calculate total zonal flowrate as a summation of all zonal flowrates, calculating a blower control error as a function of the difference between total blower request and total zonal flowrate, modifying the operating state using the calculated control error, positioning and resetting the mode valves into defrost, heater and vent openings, and resetting the mode valves.
    Type: Grant
    Filed: May 20, 2014
    Date of Patent: October 3, 2017
    Assignee: MAHLE International GmbH
    Inventors: Mingyu Wang, Prasad S. Kadle, Jeffrey C. Kinmartin, Debashis Ghosh, Charles A. Archibald
  • Publication number: 20170256013
    Abstract: A dispatcher command center for dynamic ambulance deployment based on population density is described herein. The dispatcher command center is configured to display a street map of a coverage area, the street map including a first representation of a likely population density within the coverage area, and display an ambulance location of a plurality of ambulances. The dispatcher command center is also configured to receive, in real-time, a data signal including transaction data associated with a transaction. The transaction data includes a transaction location and transaction time and represents an activity executed by a person within the coverage area. The dispatcher command center is further configured to display a second representation of the transaction at a location on the street map corresponding to the transaction location, and deploy at least one of the plurality of ambulances in response to the displayed second representation, thereby updating at least one ambulance location.
    Type: Application
    Filed: March 2, 2016
    Publication date: September 7, 2017
    Inventors: Debashis Ghosh, Manash Bhattacharjee