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).

  • Patent number: 12223500
    Abstract: 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: Grant
    Filed: February 9, 2022
    Date of Patent: February 11, 2025
    Assignee: 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
  • Patent number: 12217279
    Abstract: 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: Grant
    Filed: May 25, 2023
    Date of Patent: February 4, 2025
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Calvin Chan, Christopher Cracchiolo, Andras Ferenczi, Harish R. Naik, Andrew Martin Baal Thomas
  • Publication number: 20240420176
    Abstract: 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: Application
    Filed: August 29, 2024
    Publication date: December 19, 2024
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Sastry V. Durvasula, Amit Prakash Gupta, Priyadarshini Koul, Premkumar Manivannan, Sathish Muthukrishnan, Harish R. Naik
  • Patent number: 12118583
    Abstract: 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: Grant
    Filed: February 16, 2023
    Date of Patent: October 15, 2024
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Sastry V. Durvasula, Amit Prakash Gupta, Priyadarshini Koul, Premkumar Manivannan, Sathish Muthukrishnan, Harish R. Naik
  • Patent number: 12099592
    Abstract: 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: Grant
    Filed: August 14, 2023
    Date of Patent: September 24, 2024
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Balaji Balaraman, Andras L. Ferenczi, Dallas L. Gale, Nilesh Yashavant Jadhav, Harish R. Naik
  • Patent number: 12093948
    Abstract: 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: Grant
    Filed: July 17, 2023
    Date of Patent: September 17, 2024
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC
    Inventors: Andras Ferenczi, Dallas L. Gale, Nilesh Y. Jadhav, Harish R. Naik
  • Publication number: 20240273530
    Abstract: 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: Application
    Filed: February 16, 2024
    Publication date: August 15, 2024
    Inventors: Balaji Balaraman, Andras L. Ferenczi, Sathish B. Muthukrishnan, Harish R. Naik
  • Patent number: 11941627
    Abstract: 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: Grant
    Filed: March 24, 2022
    Date of Patent: March 26, 2024
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Balaji Balaraman, Andras L. Ferenczi, Sathish B. Muthukrishnan, Harish R. Naik
  • Publication number: 20230410103
    Abstract: 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: Application
    Filed: July 17, 2023
    Publication date: December 21, 2023
    Inventors: ANDRAS FERENCZI, DALLAS L. GALE, NILESH Y. JADHAV, HARISH R. NAIK
  • Publication number: 20230401555
    Abstract: 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: Application
    Filed: August 28, 2023
    Publication date: December 14, 2023
    Inventors: Alaric M. Eby, Andras L. Ferenczi, Harish R. Naik, Vishnuvajhala Venkata Subrahmanyam
  • Publication number: 20230385398
    Abstract: 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: Application
    Filed: August 14, 2023
    Publication date: November 30, 2023
    Inventors: Balaji Balaraman, Andras L. Ferenczi, Dallas L. Gale, Nilesh Yashavant Jadhav, Harish R. Naik
  • Publication number: 20230385866
    Abstract: 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: Application
    Filed: May 25, 2023
    Publication date: November 30, 2023
    Inventors: Calvin Chan, Christopher Cracchiolo, Andras Ferenczi, Harish R. Naik, Andrew Martin Baal Thomas
  • Patent number: 11762974
    Abstract: 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: Grant
    Filed: August 4, 2022
    Date of Patent: September 19, 2023
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Balaji Balaraman, Andras L. Ferenczi, Dallas L. Gale, Nilesh Yashavant Jadhav, Harish R. Naik
  • Patent number: 11748750
    Abstract: 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: Grant
    Filed: September 13, 2021
    Date of Patent: September 5, 2023
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Andras Ferenczi, Dallas L. Gale, Nilesh Y. Jadhav, Harish R. Naik
  • Patent number: 11699166
    Abstract: 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: Grant
    Filed: October 23, 2018
    Date of Patent: July 11, 2023
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Calvin Chan, Christopher Cracchiolo, Andras Ferenczi, Harish R. Naik, Andrew Martin Baal Thomas
  • Publication number: 20230196403
    Abstract: 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: Application
    Filed: February 16, 2023
    Publication date: June 22, 2023
    Applicant: American Express Travel Related Services Co., Inc.
    Inventors: Sastry V. Durvasula, Amit Prakash Gupta, Priyadarshini Koul, Premkumar Manivannan, Sathish Muthukrishnan, Harish R. Naik
  • Publication number: 20220374509
    Abstract: 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: Application
    Filed: August 4, 2022
    Publication date: November 24, 2022
    Inventors: Balaji Balaraman, Andras L. Ferenczi, Dallas L. Gale, Nilesh Yashavant Jadhav, Harish R. Naik
  • Patent number: 11443025
    Abstract: 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: Grant
    Filed: March 31, 2020
    Date of Patent: September 13, 2022
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC
    Inventors: Balaji Balaraman, Andras L. Ferenczi, Dallas L. Gale, Nilesh Yashavant Jadhav, Harish R. Naik
  • Publication number: 20220270089
    Abstract: 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: Application
    Filed: February 9, 2022
    Publication date: August 25, 2022
    Inventors: FARAZ BABAR, AIMEE CARDWELL, ANDRAS L. FERENCZI, DALLAS GALE, NILESH YASHAVANT JADHAV, ASHISH KUMAR, HARISH R. NAIK, LAVANYA VENKATANARAYANAN
  • Patent number: 11410136
    Abstract: 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: Grant
    Filed: August 1, 2018
    Date of Patent: August 9, 2022
    Assignee: 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