Patents by Inventor Gaurav Khillan

Gaurav Khillan 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).

  • Systems and methods for bill payment using transaction cards within a financial institution payment platform
    Patent number: 11423375
    Abstract: Described herein are card-based bill payment systems and methods enabling bill payment using a transaction card within a consumer financial institution (CFI) payment platform and enabling real-time payment confirmation messaging is provided. The bill payment system includes a bill pay exchange (BPX) computing system that receives a payment initiation message from a CFI, the payment initiation message including tokenized payment credentials associated with a transaction card used to initiate a bill payment transaction with the CFI, a bill payment amount, and a biller identifier. The BPX computing system also identifies a biller service provider (BSP) associated with the biller, and transmit the payment initiation message to the BSP to initiate authorization of the bill payment transaction.
    Type: Grant
    Filed: October 29, 2020
    Date of Patent: August 23, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Sriram Iyer, Gaurav Khillan, Ryan Francis
  • SYSTEMS AND METHODS FOR BILL PAYMENT USING TRANSACTION CARDS WITHIN A FINANCIAL INSTITUTION PAYMENT PLATFORM
    Publication number: 20210133705
    Abstract: Described herein are card-based bill payment systems and methods enabling bill payment using a transaction card within a consumer financial institution (CFI) payment platform and enabling real-time payment confirmation messaging is provided. The bill payment system includes a bill pay exchange (BPX) computing system that receives a payment initiation message from a CFI, the payment initiation message including tokenized payment credentials associated with a transaction card used to initiate a bill payment transaction with the CFI, a bill payment amount, and a biller identifier. The BPX computing system also identifies a biller service provider (BSP) associated with the biller, and transmit the payment initiation message to the BSP to initiate authorization of the bill payment transaction.
    Type: Application
    Filed: October 29, 2020
    Publication date: May 6, 2021
    Inventors: Sriram Iyer, Gaurav Khillan, Ryan Francis