Patents by Inventor Gaurav Anilkumar Dayal

Gaurav Anilkumar Dayal 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).

  • Computer system and computer-implemented method for authenticating a contactless payment transaction
    Patent number: 11455622
    Abstract: An application system for authenticating a contactless payment transaction is described, the application system comprising: (i) a verification module configured to receive, from an operating system, a cipher if a customer is authenticated; and (ii) an access module configured to: (a) instruct the operating system to use the cipher to decrypt a transaction personal identification number (PIN) which is stored in a local database in an encrypted form; (b) receive the transaction PIN once decrypted; and (c) use the transaction PIN to access a token, the token being associated with payment details for processing the payment transaction.
    Type: Grant
    Filed: November 17, 2017
    Date of Patent: September 27, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Asif Shaukat Kadiwala, Gaurav Anilkumar Dayal
  • Computer System and Computer-Implemented Method for Authenticating a Contactless Payment Transaction
    Publication number: 20190139029
    Abstract: An application system for authenticating a contactless payment transaction is described, the application system comprising: (i) a verification module configured to receive, from an operating system, a cipher if a customer is authenticated; and (ii) an access module configured to: (a) instruct the operating system to use the cipher to decrypt a transaction personal identification number (PIN) which is stored in a local database in an encrypted form; (b) receive the transaction PIN once decrypted; and (c) use the transaction PIN to access a token, the token being associated with payment details for processing the payment transaction.
    Type: Application
    Filed: November 17, 2017
    Publication date: May 9, 2019
    Inventors: Asif Shaukat Kadiwala, Gaurav Anilkumar Dayal