Patents by Inventor Girish Balasubramanian
Girish 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).
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Patent number: 11956243Abstract: Apparatus, systems, and methods are disclosed that operate to receiving an authentication request at a server associated with an authenticating entity from a requesting party responsive to a request being provided to the requesting party by a client terminal associated with an unauthenticated individual purporting to be an individual account owner previously authenticated with the authenticating entity. A token, from the client terminal associated with the unauthenticated individual is received, and the token includes information associated with the unauthenticated individual and a user permission authorizing the authenticating entity to share a selected portion of the information with a plurality of selected requesting parties. The server associated with the authenticating entity authenticates the unauthenticated individual as the individual account owner based on, inter alia, matching the token to a pre-registered identity uniquely associated with the individual account owner.Type: GrantFiled: May 30, 2022Date of Patent: April 9, 2024Assignee: PayPal, Inc.Inventors: Rene M. Pelegero, Girish Balasubramanian, Rohan Mahadevan
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Publication number: 20230196359Abstract: A method and apparatus for reconciling electronic transactions facilitated by a commerce platform are described. The method may include receiving, the commerce platform, requests from a merchant system to authorize a plurality of financial transactions. The method may also include transmitting an authorization to the merchant system authorizing the merchant system to perform the financial transaction. The authorization may include a unique transaction identification (ID) corresponding to the request. The method may also include receiving from the merchant system, for each transaction ID, an order number associated with the transaction ID. The method may also include generating a settlement file comprising the transaction IDs. Each transaction ID may be arranged in an order in the settlement file according to its associated order number. The method may also include transmitting the settlement file to the merchant device.Type: ApplicationFiled: February 16, 2023Publication date: June 22, 2023Inventor: Girish Balasubramanian
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Patent number: 11587082Abstract: A method and apparatus for reconciling electronic transactions facilitated by a commerce platform are described. The method may include receiving, the commerce platform, requests from a merchant system to authorize a plurality of financial transactions. The method may also include transmitting an authorization to the merchant system authorizing the merchant system to perform the financial transaction. The authorization may include a unique transaction identification (ID) corresponding to the request. The method may also include receiving from the merchant system, for each transaction ID, an order number associated with the transaction ID. The method may also include generating a settlement file comprising the transaction IDs. Each transaction ID may be arranged in an order in the settlement file according to its associated order number. The method may also include transmitting the settlement file to the merchant device.Type: GrantFiled: November 7, 2019Date of Patent: February 21, 2023Assignee: STRIPE, INC.Inventor: Girish Balasubramanian
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Publication number: 20220400117Abstract: Apparatus, systems, and methods are disclosed that operate to receiving an authentication request at a server associated with an authenticating entity from a requesting party responsive to a request being provided to the requesting party by a client terminal associated with an unauthenticated individual purporting to be an individual account owner previously authenticated with the authenticating entity. A token, from the client terminal associated with the unauthenticated individual is received, and the token includes information associated with the unauthenticated individual and a user permission authorizing the authenticating entity to share a selected portion of the information with a plurality of selected requesting parties. The server associated with the authenticating entity authenticates the unauthenticated individual as the individual account owner based on, inter alia, matching the token to a pre-registered identity uniquely associated with the individual account owner.Type: ApplicationFiled: May 30, 2022Publication date: December 15, 2022Inventors: Rene M. Pelegero, Girish Balasubramanian, Rohan Mahadevan
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Patent number: 11349847Abstract: Apparatus, systems, and methods are disclosed that operate to receiving an authentication request at a server associated with an authenticating entity from a requesting party responsive to a request being provided to the requesting party by a client terminal associated with an unauthenticated individual purporting to be an individual account owner previously authenticated with the authenticating entity. A token from the client terminal associated with the unauthenticated individual is received, and the token includes information associated with the unauthenticated individual and a user permission authorizing the authenticating entity to share a selected portion of the information with a plurality of selected requesting parties. The server associated with the authenticating entity authenticates the unauthenticated individual as the individual account owner based on, inter alia, matching the token to a pre-registered identity uniquely associated with the individual account owner.Type: GrantFiled: May 18, 2020Date of Patent: May 31, 2022Assignee: PayPal, Inc.Inventors: Rene M. Pelegero, Girish Balasubramanian, Rohan Mahadevan
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Patent number: 11138610Abstract: A card number and an address are requested from a customer at a POS device. An AVS system compares the customer-provided address against a billing address or record for the card that is maintained by a card issuer. If the address provided by the customer matches the billing address of record, a second card number is requested from customer. That second card number is sent to the AVS system and the billing address stored by the issuer for the second card number is also checked against the address provided by the customer.Type: GrantFiled: October 21, 2019Date of Patent: October 5, 2021Assignee: The Western Union CompanyInventor: Girish Balasubramanian
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Patent number: 10922694Abstract: An automatic teller machine (ATM) can operate to send an electronic push request, in various instances, using only an email address to process the push request from a user. The ATM may be configured with customized display software, for example, that allows an end user to operate a touchscreen (or other input mechanism) to enter email addresses for one or more electronic transfer destinations. In various instances, the ATM may also communicate with a back-end server to perform queries on an entered email address and to map the email address to a pre-existing account or a holding account. Thus, a user can effectuate electronic transfers without needing to know, for example, a routing number associated with a destination for the transfer, representing an innovative improvement over previous electronic transfer technology.Type: GrantFiled: October 6, 2017Date of Patent: February 16, 2021Assignee: PayPal, Inc.Inventors: Rene Mauricio Pelegero, Girish Balasubramanian, Rohan Mahadevan
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Publication number: 20200351272Abstract: Apparatus, systems, and methods are disclosed that operate to receiving an authentication request at a server associated with an authenticating entity from a requesting party responsive to a request being provided to the requesting party by a client terminal associated with an unauthenticated individual purporting to be an individual account owner previously authenticated with the authenticating entity. A token from the client terminal associated with the unauthenticated individual is received, and the token includes information associated with the unauthenticated individual and a user permission authorizing the authenticating entity to share a selected portion of the information with a plurality of selected requesting parties. The server associated with the authenticating entity authenticates the unauthenticated individual as the individual account owner based on, inter alia, matching the token to a pre-registered identity uniquely associated with the individual account owner.Type: ApplicationFiled: May 18, 2020Publication date: November 5, 2020Inventors: Rene M. Pelegero, Girish Balasubramanian, Rohan Mahadevan
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Publication number: 20200051088Abstract: A card number and an address are requested from a customer at a POS device. An AVS system compares the customer-provided address against a billing address or record for the card that is maintained by a card issuer. If the address provided by the customer matches the billing address of record, a second card number is requested from customer. That second card number is sent to the AVS system and the billing address stored by the issuer for the second card number is also checked against the address provided by the customer.Type: ApplicationFiled: October 21, 2019Publication date: February 13, 2020Applicant: The Western Union CompanyInventor: Girish Balasubramanian
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Patent number: 10467625Abstract: A card number and an address are requested from a customer at a POS device. An AVS system compares the customer-provided address against a billing address or record for the card that is maintained by a card issuer. If the address provided by the customer matches the billing address of record, a second card number is requested from customer. That second card number is sent to the AVS system and the billing address stored by the issuer for the second card number is also checked against the address provided by the customer.Type: GrantFiled: March 1, 2013Date of Patent: November 5, 2019Assignee: The Western Union CompanyInventor: Girish Balasubramanian
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Publication number: 20180039991Abstract: An automatic teller machine (ATM) can operate to send an electronic push request, in various instances, using only an email address to process the push request from a user. The ATM may be configured with customized display software, for example, that allows an end user to operate a touchscreen (or other input mechanism) to enter email addresses for one or more electronic transfer destinations. In various instances, the ATM may also communicate with a back-end server to perform queries on an entered email address and to map the email address to a pre-existing account or a holding account. Thus, a user can effectuate electronic transfers without needing to know, for example, a routing number associated with a destination for the transfer, representing an innovative improvement over previous electronic transfer technology.Type: ApplicationFiled: October 6, 2017Publication date: February 8, 2018Inventors: Rene Mauricio Pelegero, Girish Balasubramanian, Rohan Mahadevan
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Publication number: 20170004465Abstract: Systems and methods for conducting a money transfer include providing a virtual banking account for the money transfer and determining standing instructions corresponding to the virtual banking account. The standing instructions may include a protocol-based workflow for conducting the money transfer. The systems and methods may further include identifying a trigger corresponding to a movement of monetary funds from an originating account to the virtual banking account, and after identifying the trigger, initiating a transfer of at least a portion of the monetary funds from the virtual banking account to a destination account based on the standing instructions.Type: ApplicationFiled: June 30, 2015Publication date: January 5, 2017Applicant: THE WESTERN UNION COMPANYInventor: Girish Balasubramanian
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Publication number: 20160182523Abstract: Apparatus, systems, and methods are disclosed that operate to receiving an authentication request at a server associated with an authenticating entity from a requesting party responsive to a request being provided to the requesting party by a client terminal associated with an unauthenticated individual purporting to be an individual account owner previously authenticated with the authenticating entity. A token from the client terminal associated with the unauthenticated individual is received, and the token includes information associated with the unauthenticated individual and a user permission authorizing the authenticating entity to share a selected portion of the information with a plurality of selected requesting parties. The server associated with the authenticating entity authenticates the unauthenticated individual as the individual account owner based on, inter alia, matching the token to a pre-registered identity uniquely associated with the individual account owner.Type: ApplicationFiled: November 16, 2015Publication date: June 23, 2016Inventors: Rene M. Pelegero, Girish Balasubramanian, Rohan Mahadevan
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Publication number: 20140249946Abstract: A card number and an address are requested from a customer at a POS device. An AVS system compares the customer-provided address against a billing address or record for the card that is maintained by a card issuer. If the address provided by the customer matches the billing address of record, a second card number is requested from customer. That second card number is sent to the AVS system and the billing address stored by the issuer for the second card number is also checked against the address provided by the customer.Type: ApplicationFiled: March 1, 2013Publication date: September 4, 2014Applicant: THE WESTERN UNION COMPANYInventor: Girish Balasubramanian
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Publication number: 20130269004Abstract: Apparatus, systems, and methods are disclosed that operate to register one time, at a server associated with an authenticating entity, information comprising an identity uniquely associated with an individual account owner and an account held by the authenticating entity. Further activity includes receiving an authentication request at the server from a requesting party to authenticate an unauthenticated individual purporting to be the individual account owner, and authenticating, by the server, the unauthenticated individual as the individual account owner by matching a token presented by the unauthenticated individual, to the identity. Responsive solely to the authenticating, only a selected portion of the information previously authorized by the individual account owner is provided for sharing with the plurality of selected requesting parties. Additional apparatus, systems, and methods are disclosed.Type: ApplicationFiled: June 5, 2013Publication date: October 10, 2013Applicant: EBAY INC.Inventors: Rene M. Pelegero, Girish Balasubramanian, Rohan Mahadevan
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Patent number: 8498940Abstract: Apparatus, systems, and methods are disclosed that operate to register one time, at a server associated with an authenticating entity, information comprising an identity uniquely associated with an individual account owner and an account held by the authenticating entity. Further activity includes receiving an authentication request at the server from a requesting party to authenticate an unauthenticated individual purporting to be the individual account owner, and authenticating, by the server, the unauthenticated individual as the individual account owner by matching a token presented by the unauthenticated individual, to the identity. Responsive solely to the authenticating, only a selected portion of the information previously authorized by the individual account owner is provided for sharing with the plurality of selected requesting parties. Additional apparatus, systems, and methods are disclosed.Type: GrantFiled: April 23, 2012Date of Patent: July 30, 2013Assignee: eBay Inc.Inventors: Rene M. Pelegero, Girish Balasubramanian, Rohan Mahadevan
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Publication number: 20130006860Abstract: A payment provider anticipates when a user will be making a payment and authorizes a payment amount to a merchant or payee prior to a total purchase amount being determined. When the user is ready to pay, the merchant can complete the transaction without further communication with the payment provider, thereby speeding up the checkout or payment process.Type: ApplicationFiled: June 29, 2012Publication date: January 3, 2013Applicant: EBAY INC.Inventors: Girish Balasubramanian, Marc E. Elbirt
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Publication number: 20120209733Abstract: Apparatus, systems, and methods are disclosed that operate to register one time, at a server associated with an authenticating entity, information comprising an identity uniquely associated with an individual account owner and an account held by the authenticating entity. Further activity includes receiving an authentication request at the server from a requesting party to authenticate an unauthenticated individual purporting to be the individual account owner, and authenticating, by the server, the unauthenticated individual as the individual account owner by matching a token presented by the unauthenticated individual, to the identity. Responsive solely to the authenticating, only a selected portion of the information previously authorized by the individual account owner is provided for sharing with the plurality of selected requesting parties. Additional apparatus, systems, and methods are disclosed.Type: ApplicationFiled: April 23, 2012Publication date: August 16, 2012Applicant: eBay Inc.Inventors: Rene M. Pelegero, Girish Balasubramanian, Rohan Mahadevan
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Patent number: 8214291Abstract: Apparatus, systems, and methods are disclosed that operate to register one time, at a financial entity, information comprising an identity uniquely associated with an individual having a financial account held by the financial entity. Additional actions include receiving a request at the financial entity from a requesting party to authenticate a customer purporting to be the individual, authenticating, by the financial entity, the customer as the individual by matching a token presented by the customer to the identity uniquely associated with the individual, and providing to the requesting party a previously-authorized portion of a profile associated with the individual. Additional apparatus, systems, and methods are disclosed.Type: GrantFiled: December 21, 2007Date of Patent: July 3, 2012Assignee: eBay Inc.Inventors: Rene M. Pelegero, Girish Balasubramanian, Rohan Mahadevan
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Publication number: 20110178897Abstract: In accordance with one or more embodiments of the present disclosure, a system and method for facilitating electronic commerce over a network includes communicating with a user via a user device and a merchant via a merchant device over the network, storing an incomplete purchase transaction between the user and the merchant, generating a portable checkout link to the incomplete purchase transaction, providing the portable checkout link to the user over the network, allowing the user to select the incomplete purchase transaction for processing, and processing the incomplete purchase transaction upon user selection. The system and method may include notifying the user of the incomplete purchase transaction over the network.Type: ApplicationFiled: January 20, 2010Publication date: July 21, 2011Applicant: EBAY INC.Inventors: Girish Balasubramanian, Jonathan Douglas Mann, Tejas Arvindbhai Kotecha, Mark J. Boyd