Patents by Inventor Hemanth Kumar Manoharan
Hemanth Kumar Manoharan 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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Publication number: 20240029060Abstract: A method and system for authenticating a payment transaction. The method includes receiving a request for verifying a phone number associated with a Subscriber Identification Module card from a merchant application installed in the user device. Further, obtaining a first key from at least one of a server associated with a manufacturer of the user device and a network server. Furthermore, generating a first cryptogram based on at least one of the phone number and a unique identification value associated with the user device using the first key, wherein the first cryptogram is provided to the server associated with the manufacturer for verification. Upon verification of the first cryptogram, the method includes receiving a second cryptogram from the server associated with the manufacturer, wherein the merchant application provides the second cryptogram and payment transaction details to an issuer server for authentication of the payment transaction.Type: ApplicationFiled: October 5, 2023Publication date: January 25, 2024Inventors: Rohit Sukhija, Pragathi M S, Hemanth Kumar Manoharan
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Patent number: 11797983Abstract: A method and system for authenticating a payment transaction. The method includes receiving a request for verifying a phone number associated with a Subscriber Identification Module card from a merchant application installed in the user device. Further, obtaining a first key from at least one of a server associated with a manufacturer of the user device and a network server. Furthermore, generating a first cryptogram based on at least one of the phone number and a unique identification value associated with the user device using the first key, wherein the first cryptogram is provided to the server associated with the manufacturer for verification. Upon verification of the first cryptogram, the method includes receiving a second cryptogram from the server associated with the manufacturer, wherein the merchant application provides the second cryptogram and payment transaction details to an issuer server for authentication of the payment transaction.Type: GrantFiled: December 29, 2020Date of Patent: October 24, 2023Assignee: Visa International Service AssociationInventors: Rohit Sukhija, Pragathi M S, Hemanth Kumar Manoharan
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Publication number: 20230101830Abstract: A system and computer-implemented method for authenticating digital transactions. The method includes receiving a device registration request and a device attestation response including at least a device integrity status from a device. In response to the device registration request, the method includes providing a device registration response to the device, based on validation of the device integrity status. Further, the method includes receiving a first payment transaction request and an enrolment request from the device via an application to authenticate a second payment transaction request using a first type of authentication technique. Finally, the method includes enrolling the device to the first type of authentication technique and providing a second token to the device based on a result of the first payment transaction request, wherein the second token is used for authenticating the second payment transaction request.Type: ApplicationFiled: December 7, 2022Publication date: March 30, 2023Inventors: Pamela Ghosh, Rajagopal Prabhakar, Sachin Ramchandani, Pramod Mulani, Hemanth Kumar Manoharan
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Patent number: 11538016Abstract: A system and computer-implemented method for authenticating digital transactions. The method includes receiving a device registration request and a device attestation response including at least a device integrity status from a device. In response to the device registration request, the method includes providing a device registration response to the device, based on validation of the device integrity status. Further, the method includes receiving a first payment transaction request and an enrolment request from the device via an application to authenticate a second payment transaction request using a first type of authentication technique. Finally, the method includes enrolling the device to the first type of authentication technique and providing a second token to the device based on a result of the first payment transaction request, wherein the second token is used for authenticating the second payment transaction request.Type: GrantFiled: July 30, 2021Date of Patent: December 27, 2022Assignee: Visa International Service AssociationInventors: Pamela Ghosh, Rajagopal Prabhakar, Sachin Ramchandani, Pramod Mulani, Hemanth Kumar Manoharan
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Publication number: 20220207523Abstract: A method and system for authenticating a payment transaction. The method includes receiving a request for verifying a phone number associated with a Subscriber Identification Module card from a merchant application installed in the user device. Further, obtaining a first key from at least one of a server associated with a manufacturer of the user device and a network server. Furthermore, generating a first cryptogram based on at least one of the phone number and a unique identification value associated with the user device using the first key, wherein the first cryptogram is provided to the server associated with the manufacturer for verification. Upon verification of the first cryptogram, the method includes receiving a second cryptogram from the server associated with the manufacturer, wherein the merchant application provides the second cryptogram and payment transaction details to an issuer server for authentication of the payment transaction.Type: ApplicationFiled: December 29, 2020Publication date: June 30, 2022Inventors: Rohit Sukhija, Pragathi M S, Hemanth Kumar Manoharan
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Publication number: 20210357901Abstract: A system and computer-implemented method for authenticating digital transactions. The method includes receiving a device registration request and a device attestation response including at least a device integrity status from a device. In response to the device registration request, the method includes providing a device registration response to the device, based on validation of the device integrity status. Further, the method includes receiving a first payment transaction request and an enrolment request from the device via an application to authenticate a second payment transaction request using a first type of authentication technique. Finally, the method includes enrolling the device to the first type of authentication technique and providing a second token to the device based on a result of the first payment transaction request, wherein the second token is used for authenticating the second payment transaction request.Type: ApplicationFiled: July 30, 2021Publication date: November 18, 2021Inventors: Pamela Ghosh, Rajagopal Prabhakar, Sachin Ramchandani, Pramod Mulani, Hemanth Kumar Manoharan
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Patent number: 11093931Abstract: A system and computer-implemented method for authenticating digital transactions. The method includes receiving a device registration request and a device attestation response including at least a device integrity status from a device. In response to the device registration request, the method includes providing a device registration response to the device, based on validation of the device integrity status. Further, the method includes receiving a first payment transaction request and an enrolment request from the device via an application to authenticate a second payment transaction request using a first type of authentication technique. Finally, the method includes enrolling the device to the first type of authentication technique and providing a second token to the device based on a result of the first payment transaction request, wherein the second token is used for authenticating the second payment transaction request.Type: GrantFiled: January 14, 2020Date of Patent: August 17, 2021Assignee: Visa International Service AssociationInventors: Pamela Ghosh, Rajagopal Prabhakar, Sachin Ramchandani, Pramod Mulani, Hemanth Kumar Manoharan
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Publication number: 20200394640Abstract: A system and computer-implemented method for authenticating digital transactions. The method includes receiving a device registration request and a device attestation response including at least a device integrity status from a device. In response to the device registration request, the method includes providing a device registration response to the device, based on validation of the device integrity status. Further, the method includes receiving a first payment transaction request and an enrolment request from the device via an application to authenticate a second payment transaction request using a first type of authentication technique. Finally, the method includes enrolling the device to the first type of authentication technique and providing a second token to the device based on a result of the first payment transaction request, wherein the second token is used for authenticating the second payment transaction request.Type: ApplicationFiled: January 14, 2020Publication date: December 17, 2020Inventors: Pamela Ghosh, Rajagopal Prabhakar, Sachin Ramchandani, Pramod Mulani, Hemanth Kumar Manoharan
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Patent number: 10861442Abstract: Methods and computing systems are disclosed for a digital assistant platform that includes a cross-platform bot that can be used to bridge existing chat-bot platforms. The cross-platform bot would have its own single set of protocols and standards, such that a developer of a task-specific bot would only need to integrate with the cross-platform bot to enable its use across all the different chat-bot platforms. The cross-platform bot would enable the task-specific bots to coordinate to combine their functionality, while end users may continue using an existing chat-bot platform of their choice.Type: GrantFiled: November 6, 2018Date of Patent: December 8, 2020Assignee: Visa International Service AssociationInventors: Hemanth Kumar Manoharan, Melroy Benedict Tellis
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Publication number: 20200143797Abstract: Methods and computing systems are disclosed for a digital assistant platform that includes a cross-platform bot that can be used to bridge existing chat-bot platforms. The cross-platform bot would have its own single set of protocols and standards, such that a developer of a task-specific bot would only need to integrate with the cross-platform bot to enable its use across all the different chat-bot platforms. The cross-platform bot would enable the task-specific bots to coordinate to combine their functionality, while end users may continue using an existing chat-bot platform of their choice.Type: ApplicationFiled: November 6, 2018Publication date: May 7, 2020Inventors: Hemanth Kumar Manoharan, Melroy Benedict Tellis