Patents by Inventor Harish R. Naik
Harish R. Naik 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: 11941627Abstract: Systems and methods for transaction authorizations using a distributed database are disclosed. The system may allow registered transaction account holders and merchants to interact and complete transactions according to workflows enforced by smart contracts. The system may include an issuer system that receives a transaction authorization request comprising a merchant ID, a transaction account number, a transaction amount, and a transaction ID. The issuer system may retrieve a merchant public key and a smart contract based on the merchant ID, and a user public key based on the transaction account number. The issuer system may invoke the smart contract by passing the user public key and the transaction ID to the smart contract. The system may propagate transaction data (e.g., the merchant ID, the transaction account number, the payment amount, a transaction status, etc.) to a blockchain network for writing to a blockchain according to the invoked smart contract.Type: GrantFiled: March 24, 2022Date of Patent: March 26, 2024Assignee: American Express Travel Related Services Company, Inc.Inventors: Balaji Balaraman, Andras L. Ferenczi, Sathish B. Muthukrishnan, Harish R. Naik
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Publication number: 20230410103Abstract: A zero knowledge proof purchase system and process using blockchain is disclosed. The system may comprise a customer device, a merchant system, an issuer system, and a blockchain network having a zero-knowledge proof (ZKP) smart contract. The system may implement a zero-knowledge proof algorithm haying a key generator function, a proof function, and a validate function. Each function may be configured to perform various tasks in the system to support and enable zero-knowledge proof purchases.Type: ApplicationFiled: July 17, 2023Publication date: December 21, 2023Inventors: ANDRAS FERENCZI, DALLAS L. GALE, NILESH Y. JADHAV, HARISH R. NAIK
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Publication number: 20230401555Abstract: A transaction account based micro-payment system using blockchain is disclosed. The system may receive a micro-payment request including a payment address from a merchant system. The system may invoke an account holder account smart contract and a directory smart contract. The system may write a plurality of micro-payment transaction debits to a transaction account based micro-payment blockchain via a blockchain node. The system may generate a transaction clearance event based on the account holder account smart contract. The system may write a micro-payment transaction clearance credit to the transaction account based micro-payment blockchain.Type: ApplicationFiled: August 28, 2023Publication date: December 14, 2023Inventors: Alaric M. Eby, Andras L. Ferenczi, Harish R. Naik, Vishnuvajhala Venkata Subrahmanyam
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Publication number: 20230385398Abstract: A single sign-on system using blockchain is disclosed. The single sign-on system may interconnect various organization systems over a peer-to-peer network, with each organization system having a blockchain node and an application programming interface (API). The blockchain node invokes and uses a smart contract to write registration credentials to the blockchain during a registration process. During a login process, the blockchain node invokes the smart contract to determine whether login credentials match stored login credentials in the blockchain. In response to matching login credentials, the API may generate a single sign-on token that can be used by a user device to access one or more organization systems connected over the network.Type: ApplicationFiled: August 14, 2023Publication date: November 30, 2023Inventors: Balaji Balaraman, Andras L. Ferenczi, Dallas L. Gale, Nilesh Yashavant Jadhav, Harish R. Naik
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Publication number: 20230385866Abstract: A blockchain-based multi-merchant loyalty point partnership system may include a blockchain API host that is configured to generate a reward based at least in part on transaction data received from a web site. In one example, a system is configured to receive a loyalty account and transaction data for a completed purchase from a loyalty partner site. A partnership smart contract is executed to validate that the transaction data meets a purchase requirement parameter of the partnership smart contract. A transaction record is stored which indicates that the loyalty account has the transaction data for meeting the purchase requirement parameter. The transaction record is transmitted to consensus participants associated with the blockchain network.Type: ApplicationFiled: May 25, 2023Publication date: November 30, 2023Inventors: Calvin Chan, Christopher Cracchiolo, Andras Ferenczi, Harish R. Naik, Andrew Martin Baal Thomas
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Patent number: 11762974Abstract: A single sign-on system using blockchain is disclosed. The single sign-on system may interconnect various organization systems over a peer-to-peer network, with each organization system having a blockchain node and an application programming interface (API). The blockchain node invokes and uses a smart contract to write registration credentials to the blockchain during a registration process. During a login process, the blockchain node invokes the smart contract to determine whether login credentials match stored login credentials in the blockchain. In response to matching login credentials, the API may generate a single sign-on token that can be used by a user device to access one or more organization systems connected over the network.Type: GrantFiled: August 4, 2022Date of Patent: September 19, 2023Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Balaji Balaraman, Andras L. Ferenczi, Dallas L. Gale, Nilesh Yashavant Jadhav, Harish R. Naik
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Patent number: 11748750Abstract: A zero-knowledge proof purchase system and process using blockchain is disclosed. The system may comprise a customer device, a merchant system, an issuer system, and a blockchain network having a zero-knowledge proof (ZKP) smart contract. The system may implement a zero-knowledge proof algorithm haying a key generator function, a proof function, and a validate function. Each function may be configured to perform various tasks in the system to support and enable zero-knowledge proof purchases.Type: GrantFiled: September 13, 2021Date of Patent: September 5, 2023Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Andras Ferenczi, Dallas L. Gale, Nilesh Y. Jadhav, Harish R. Naik
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Patent number: 11699166Abstract: A blockchain-based multi-merchant loyalty point partnership system may include a blockchain API host that receives a request to create a partnership smart contract for a multi-merchant loyalty point partnership. The request may specify various partnership parameters to include in the partnership smart contract. The blockchain API host may create the partnership smart contract and write the partnership smart contract to a blockchain. One or more qualified merchants may join the partnership smart contract to make the partnership active. In response to a customer completing a plurality of purchases that complete the partnership parameters of the partnership smart contract, the system may issue the customer a purchase reward which may include a loyalty point payout.Type: GrantFiled: October 23, 2018Date of Patent: July 11, 2023Assignee: American Express Travel Related Services Company, Inc.Inventors: Calvin Chan, Christopher Cracchiolo, Andras Ferenczi, Harish R. Naik, Andrew Martin Baal Thomas
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Publication number: 20230196403Abstract: A consumer may enroll in an event gamification system. An event listener may detect an event. The event gamification system may determine that the event qualifies for a game in which the consumer is enrolled. The event gamification system may transmit an achievement notification to the consumer as soon as the event occurs. The game may be displayed in a GUI on a consumer device. The consumer may be rewarded for completing the achievements in the game. Also, a server computer receiving a plurality of data sets that represent visually perceptible elements for a plurality of host web pages, wherein each of the plurality of host web pages displays an active link associated with a product on a merchant web page. The server automatically generating composite web page from: i) the particular data set associated with the particular host web page and the particular set of visually perceptible elements and ii) the related electronic content associated with the product from the merchant web page.Type: ApplicationFiled: February 16, 2023Publication date: June 22, 2023Applicant: American Express Travel Related Services Co., Inc.Inventors: Sastry V. Durvasula, Amit Prakash Gupta, Priyadarshini Koul, Premkumar Manivannan, Sathish Muthukrishnan, Harish R. Naik
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Publication number: 20220374509Abstract: A single sign-on system using blockchain is disclosed. The single sign-on system may interconnect various organization systems over a peer-to-peer network, with each organization system having a blockchain node and an application programming interface (API). The blockchain node invokes and uses a smart contract to write registration credentials to the blockchain during a registration process. During a login process, the blockchain node invokes the smart contract to determine whether login credentials match stored login credentials in the blockchain. In response to matching login credentials, the API may generate a single sign-on token that can be used by a user device to access one or more organization systems connected over the network.Type: ApplicationFiled: August 4, 2022Publication date: November 24, 2022Inventors: Balaji Balaraman, Andras L. Ferenczi, Dallas L. Gale, Nilesh Yashavant Jadhav, Harish R. Naik
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Patent number: 11443025Abstract: A single sign-on system using blockchain is disclosed. The single sign-on system may interconnect various organization systems over a peer-to-peer network, with each organization system having a blockchain node and an application programming interface (API). The blockchain node invokes and uses a smart contract to write registration credentials to the blockchain during a registration process. During a login process, the blockchain node invokes the smart contract to determine whether login credentials match stored login credentials in the blockchain. In response to matching login credentials, the API may generate a single sign-on token that can be used by a user device to access one or more organization systems connected over the network.Type: GrantFiled: March 31, 2020Date of Patent: September 13, 2022Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INCInventors: Balaji Balaraman, Andras L. Ferenczi, Dallas L. Gale, Nilesh Yashavant Jadhav, Harish R. Naik
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Publication number: 20220270089Abstract: Systems and methods for the maintenance of merchant-stored transaction account data are disclosed. The system may include various merchant systems and issuer systems in communication via a blockchain network. The system provides a process for collaboration between various issuer systems and merchant systems to update and maintain merchant stored transaction account data in response to changes, cancellations, updates, or the like in various stored transaction account.Type: ApplicationFiled: February 9, 2022Publication date: August 25, 2022Inventors: FARAZ BABAR, AIMEE CARDWELL, ANDRAS L. FERENCZI, DALLAS GALE, NILESH YASHAVANT JADHAV, ASHISH KUMAR, HARISH R. NAIK, LAVANYA VENKATANARAYANAN
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Patent number: 11410136Abstract: A procurement system and process using blockchain is disclosed. The procurement system may facilitate procurement reconciliation between procurement initiators, clients, suppliers, and/or transaction processors, using blockchain. Each party may comprise a blockchain node configured to interact with a procurement blockchain. The procurement process may be controlled by a billing smart contract and a client smart contract configured to enforce data workflows and establish trust between the parties.Type: GrantFiled: August 1, 2018Date of Patent: August 9, 2022Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Jane E. Cook, Andras L. Ferenczi, Nat Grauman, Nilesh Y. Jadhav, Harish R. Naik, Rosa W. Tang
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Publication number: 20220215389Abstract: Systems and methods for transaction authorizations using a distributed database are disclosed. The system may allow registered transaction account holders and merchants to interact and complete transactions according to workflows enforced by smart contracts. The system may include an issuer system that receives a transaction authorization request comprising a merchant ID, a transaction account number, a transaction amount, and a transaction ID. The issuer system may retrieve a merchant public key and a smart contract based on the merchant ID, and a user public key based on the transaction account number. The issuer system may invoke the smart contract by passing the user public key and the transaction ID to the smart contract. The system may propagate transaction data (e.g., the merchant ID, the transaction account number, the payment amount, a transaction status, etc.) to a blockchain network for writing to a blockchain according to the invoked smart contract.Type: ApplicationFiled: March 24, 2022Publication date: July 7, 2022Inventors: Balaji Balaraman, Andras L. Ferenczi, Sathish B. Muthukrishnan, Harish R. Naik
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Patent number: 11282076Abstract: Systems and methods for the maintenance of merchant-stored transaction account data are disclosed. The system may include various merchant systems and issuer systems in communication via a blockchain network. The system provides a process for collaboration between various issuer systems and merchant systems to update and maintain merchant-stored transaction account data in response to changes, cancellations, updates, or the like in various stored transaction account.Type: GrantFiled: December 14, 2018Date of Patent: March 22, 2022Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Faraz Babar, Aimee Cardwell, Andras L. Ferenczi, Dallas Gale, Nilesh Yashavant Jadhav, Ashish Kumar, Harish R. Naik, Lavanya Venkatanarayanan
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Publication number: 20210406878Abstract: A zero-knowledge proof purchase system and process using blockchain is disclosed. The system may comprise a customer device, a merchant system, an issuer system, and a blockchain network having a zero-knowledge proof (ZKP) smart contract. The system may implement a zero-knowledge proof algorithm haying a key generator function, a proof function, and a validate function. Each function may be configured to perform various tasks in the system to support and enable zero-knowledge proof purchases.Type: ApplicationFiled: September 13, 2021Publication date: December 30, 2021Inventors: ANDRAS FERENCZI, DALLAS L. GALE, NILESH Y. JADHAV, HARISH R. NAIK
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Patent number: 11151558Abstract: A zero-knowledge proof purchase system and process using blockchain is disclosed. The system may comprise a customer device, a merchant system, an issuer system, and a blockchain network having a zero-knowledge proof (ZKP) smart contract. The system may implement a zero-knowledge proof algorithm having a key generator function, a proof function, and a validate function. Each function may be configured to perform various tasks in the system to support and enable zero-knowledge proof purchases.Type: GrantFiled: December 12, 2018Date of Patent: October 19, 2021Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INCInventors: Andras L. Ferenczi, Dallas L. Gale, Nilesh Y. Jadhav, Harish R. Naik
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Publication number: 20210142361Abstract: A digital platform for interacting with a user. The interactions may include receiving first data corresponding to a user based on user input entered by the user on a user device the user is utilizing to access the digital platform, retrieving, based on the first data corresponding to the user, a second data corresponding to the user from a source external to both the digital platform and the user device, generating an enriched data set corresponding to the user based on the first data and second data retrieved from the external source and selecting a product or service to be presented to the user based on the enriched data.Type: ApplicationFiled: November 12, 2019Publication date: May 13, 2021Inventors: Sastry VSM Durvasula, Satish T. Narayanan, Harish R. Naik, Joe Buselmeier, Chetan Urunkar, Arvitti Khandurie Mittal
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Patent number: 10943296Abstract: Systems and methods of improving the operation of a transaction network and transaction network devices is disclosed. A lightning KNN host may comprise various modules and engines as discussed herein wherein lookalike records may be identified whereby the speed of the lightning KNN network may be enhanced and the accuracy and precision of results improved whereby the transaction network more properly functions according to approved parameters.Type: GrantFiled: February 19, 2019Date of Patent: March 9, 2021Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Madhu Sudhan Reddy Gudur, Vinod Yadav, Satish T. Narayanan, Harish R. Naik, Anand Bhushan, Amber G. Gupta, Sanjay S. Gwalani
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Publication number: 20200226242Abstract: A single sign-on system using blockchain is disclosed. The single sign-on system may interconnect various organization systems over a peer-to-peer network, with each organization system having a blockchain node and an application programming interface (API). The blockchain node invokes and uses a smart contract to write registration credentials to the blockchain during a registration process. During a login process, the blockchain node invokes the smart contract to determine whether login credentials match stored login credentials in the blockchain. In response to matching login credentials, the API may generate a single sign-on token that can be used by a user device to access one or more organization systems connected over the network.Type: ApplicationFiled: March 31, 2020Publication date: July 16, 2020Inventors: Balaji Balaraman, Andras L. Ferenczi, Dallas L. Gale, Nilesh Yashavant Jadhav, Harish R. Naik