Patents by Inventor Igor Karpenko

Igor Karpenko 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: 10783523
    Abstract: A system and method are described for n alternate mobile payment service. The system includes a server computer for enrolling and storing user account information. The server computer is also capable of generating a unique one-time-use identifier for use during a transaction. The one-time-use identifier is returned to user as an electronic coupon which may be in the form of a two-dimensional barcode. The coupon may be used at a merchant location to complete a transaction. When the barcode is scanned it may processed similar to a credit/debit/prepaid card payment.
    Type: Grant
    Filed: February 27, 2019
    Date of Patent: September 22, 2020
    Assignee: Visa International Service Association
    Inventors: Sanjay Dattatreya Sankolli, Igor Karpenko
  • Patent number: 10607212
    Abstract: Embodiments of the present invention are directed to methods, apparatuses, computer readable media and systems for securely processing remote transactions. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a mobile device comprising a server computer receiving a payment request including encrypted payment information. The encrypted payment information being generated by a mobile payment application of the mobile device and being encrypted using a third party key. The method further comprises decrypting the encrypted payment information using the third party key, determining a transaction processor public key associated with the payment information, and re-encrypting the payment information using the transaction processor public key. The method further comprises sending a payment response including the re-encrypted payment information to a transaction processor.
    Type: Grant
    Filed: July 15, 2014
    Date of Patent: March 31, 2020
    Assignee: Visa International Services Association
    Inventors: John Sheets, Kim Wagner, Christian Aabye, Frederick Liu, Igor Karpenko, Glenn Powell, Kiushan Pirzadeh
  • Publication number: 20200097960
    Abstract: Embodiments are described that are directed to optimizing the provisioning of payment account credentials to mobile devices utilizing mobile wallets. In some embodiments, one of multiple provisioning schemes may be selectively chosen for payment account credential provisioning based upon a determined risk involved with a particular provisioning request. A low risk provisioning request leads to an immediate provisioning of a payment credential, whereas a provisioning request of high risk results in the provisioning request being denied. In some embodiments, medium risk provisioning requests will cause an additional user authentication to be performed before the payment account provisioning is finalized. The additional user authentication may occur using a separate communication channel than the channel in which the provisioning request was received.
    Type: Application
    Filed: November 12, 2019
    Publication date: March 26, 2020
    Inventors: Erick Wong, Kiushan Pirzadeh, Oleg Makhotin, Glenn Powell, Igor Karpenko, John Sheets, Frederick Liu
  • Publication number: 20200097948
    Abstract: Embodiments of the present invention are directed to methods, apparatuses, computer readable media and systems for securely processing remote transactions. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a mobile device comprising a server computer receiving a payment request including encrypted payment information. The encrypted payment information being generated by a mobile payment application of the mobile device and being encrypted using a third party key. The method further comprises decrypting the encrypted payment information using the third party key, determining a transaction processor public key associated with the payment information, and re-encrypting the payment information using the transaction processor public key. The method further comprises sending a payment response including the re-encrypted payment information to a transaction processor.
    Type: Application
    Filed: November 27, 2019
    Publication date: March 26, 2020
    Inventors: John Sheets, Kim Wagner, Christian Aabye, Frederick Liu, Igor Karpenko, Glenn Powell, Kiushan Pirzadeh
  • Patent number: 10586227
    Abstract: The SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS (“SNAP”) transform real-time-generated merchant-product Quick Response codes via SNAP components into virtual wallet card-based transaction purchase notifications. Payment information and VAS data can also be provided based on location. A request for payment information can be received. A location can be determined, and a merchant associated with the location can also be determined. Payment information and/or VAS data can be selected based on the merchant and/or location, and can be provided for a payment transaction.
    Type: Grant
    Filed: April 28, 2015
    Date of Patent: March 10, 2020
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Uzma Makhdumi, Ayman Hammad, Igor Karpenko, Miroslav Gavrilov, Abhinav Shrivastava, Mark Carlson
  • Patent number: 10510073
    Abstract: Embodiments are described that are directed to optimizing the provisioning of payment account credentials to mobile devices utilizing mobile wallets. In some embodiments, one of multiple provisioning schemes may be selectively chosen for payment account credential provisioning based upon a determined risk involved with a particular provisioning request. A low risk provisioning request leads to an immediate provisioning of a payment credential, whereas a provisioning request of high risk results in the provisioning request being denied. In some embodiments, medium risk provisioning requests will cause an additional user authentication to be performed before the payment account provisioning is finalized. The additional user authentication may occur using a separate communication channel than the channel in which the provisioning request was received.
    Type: Grant
    Filed: August 8, 2014
    Date of Patent: December 17, 2019
    Assignee: Visa International Service Association
    Inventors: Erick Wong, Kiushan Pirzadeh, Oleg Makhotin, Glenn Powell, Igor Karpenko, John Sheets, Frederick Liu
  • Patent number: 10433128
    Abstract: Embodiments of the present invention are directed to methods, systems, and apparatuses for provisioning account information to a mobile device. In one embodiment, following the provisioning of account information to a first mobile device of a user, a second mobile device of the user may be provisioned without requiring the user to provide account information for the provisioned accounts. In another embodiment, provisioned account information may be stored to a remote database, and subsequently restored to a previously provisioned mobile device or provisioned to a new mobile device.
    Type: Grant
    Filed: January 7, 2015
    Date of Patent: October 1, 2019
    Assignee: Visa International Service Association
    Inventors: John Sheets, Glenn Powell, Igor Karpenko, Erick Wong
  • Publication number: 20190244192
    Abstract: The UNIVERSAL ELECTRONIC PAYMENT APPARATUSES, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.
    Type: Application
    Filed: February 12, 2019
    Publication date: August 8, 2019
    Inventors: Edward Katzin, Julian Hua, Gregory Kenneth Storey, Michael Mori, Abhinav Shrivastava, Amit Bhargava, Andrew Beck, Ayman Hammad, Ben Pfisterer, Diane Salmon, Igor Karpenko, Jennifer Schulz, Miroslav Gavrilov, Peter Ciurea, Patrick Faith, Phillip Kumnick, Saurav Chatterjee, Sebastian Badea, Shaw Li, Shipra Jha, Stacy Pourfallah, Susan French, Tenni Theurer, Theodore Harris, Thomas Purves, Vanita Pandey, Victoria Graham, Prakash Hariramani
  • Publication number: 20190197557
    Abstract: A system and method are described for n alternate mobile payment service. The system includes a server computer for enrolling and storing user account information. The server computer is also capable of generating a unique one-time-use identifier for use during a transaction. The one-time-use identifier is returned to user as an electronic coupon which may be in the form of a two-dimensional barcode. The coupon may be used at a merchant location to complete a transaction. When the barcode is scanned it may processed similar to a credit/debit/prepaid card payment.
    Type: Application
    Filed: February 27, 2019
    Publication date: June 27, 2019
    Inventors: Sanjay Dattatreya Sankolli, Igor Karpenko
  • Publication number: 20190163467
    Abstract: Embodiments of the present invention are directed at methods and systems for providing a partial personalization process that allows for more efficient and effective personalization of a application on a communication device. For example, personalization profiles associated with multiple versions of the application may be stored at a provisioning system and the provisioning system may determine the appropriate partial provisioning information to update the application for each migration notification. Partial personalization information that is to be updated for the updated version of the application may be generated and installed to enable new functionality and/or update the information contained within an updated application without requiring re-personalization of all personalized information.
    Type: Application
    Filed: January 30, 2019
    Publication date: May 30, 2019
    Inventors: Christian Aabye, Kiushan Pirzadeh, Glenn Powell, Igor Karpenko
  • Patent number: 10255056
    Abstract: Embodiments of the present invention are directed at methods and systems for providing a partial personalization process that allows for more efficient and effective personalization of a application on a communication device. For example, personalization profiles associated with multiple versions of the application may be stored at a provisioning system and the provisioning system may determine the appropriate partial provisioning information to update the application for each migration notification. Partial personalization information that is to be updated for the updated version of the application may be generated and installed to enable new functionality and/or update the information contained within an updated application without requiring re-personalization of all personalized information.
    Type: Grant
    Filed: January 9, 2017
    Date of Patent: April 9, 2019
    Inventors: Christian Aabye, Kiushan Pirzadeh, Glenn Powell, Igor Karpenko
  • Patent number: 10248952
    Abstract: Embodiments of the present invention are directed to systems, methods, and apparatus for allowing an issuer to initiate account provisioning on a mobile device without interacting with an accountholder. The issuer may initiate the process by sending a provisioning information request message to a mobile device with a secure element. The mobile device may recognize the provisioning request message and gather the requisite provisioning information without requiring user input. The provisioning information may include information associated with the secure element of the mobile device. The mobile device may then send a provisioning request message to a provisioning system. The provisioning request message may include the requisite provisioning information to allow the provisioning system to provision the financial account on the secure element of the mobile device.
    Type: Grant
    Filed: October 28, 2016
    Date of Patent: April 2, 2019
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Glen Leon Powell, John F. Sheets, Igor Karpenko
  • Patent number: 10223691
    Abstract: The UNIVERSAL ELECTRONIC PAYMENT APPARATUS, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.
    Type: Grant
    Filed: February 22, 2012
    Date of Patent: March 5, 2019
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Edward Katzin, Julian Hua, Gregory Kenneth Storey, Michael Mori, Abhinav Shrivastava, Amit Bhargava, Andrew Beck, Ayman Hammad, Ben Pfisterer, Diane Salmon, Igor Karpenko, Jennifer Schulz, Miroslav Gavrilov, Peter Ciurea, Patrick Faith, Phillip Kumnick, Saurav Chatterjee, Sebastian Badea, Shaw Li, Shipra Jha, Stacy Pourfallah, Susan French, Tenni Theurer, Theodore Harris, Thomas Purves, Vanita Pandey, Victoria Graham, Prakash Hariramani
  • Publication number: 20190034921
    Abstract: The SNAP MOBILE PAYMENT APPARATUSES, METHODS AND SYSTEMS (“SNAP”) transform real-time-generated merchant-product Quick Response codes via SNAP components into virtual wallet card-based transaction purchase notifications. In one embodiment, the SNAP obtains a snapshot of a QR code presented on a display screen of a point-of-sale device from a mobile device. The SNAP decodes the QR code to obtain product information included in a checkout request of the user, and merchant information for processing a user purchase transaction with a merchant providing the QR code. The SNAP accesses a user virtual wallet to obtain user account information to process the user purchase transaction with the merchant. Using the product information, merchant information and user account information, the SNAP generates a card authorization request, and which the SNAP provides to a payment network for transaction processing. Also, the SNAP obtains a purchase receipt confirming processing of the user purchase transaction.
    Type: Application
    Filed: June 25, 2018
    Publication date: January 31, 2019
    Inventors: Ayman Hammad, Igor Karpenko, Miroslav Gavrilov, Abhinav Shrivastava, Mark Carlson, Prakash Hariramani
  • Publication number: 20170221056
    Abstract: Embodiments of the present invention are directed to methods, apparatuses, computer readable media and systems for securely processing remote transactions. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a mobile device. The method comprises receiving, by a mobile payment application on a secure memory of the mobile device, transaction data from a transaction processor application on the mobile device. The method further comprises validating that the transaction processor application is authentic and in response to validating the transaction processor application, providing encrypted payment credentials to the transaction processor application. The transaction processor application further initiates a payment transaction with a transaction processor server computer using the encrypted payment credentials.
    Type: Application
    Filed: April 18, 2017
    Publication date: August 3, 2017
    Inventors: Igor Karpenko, Oleg Makhotin, Kiushan Pirzadeh, Glenn Powell, John Sheets, Erick Wong
  • Publication number: 20170200156
    Abstract: Embodiments of the present invention are directed to methods, apparatuses, computer readable media and systems for securely processing remote transactions. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a mobile device. The method comprises receiving, by a mobile payment application on a secure memory of the mobile device, transaction data from a transaction processor application on the mobile device. The method further comprises validating that the transaction processor application is authentic and in response to validating the transaction processor application, providing encrypted payment credentials to the transaction processor application. The transaction processor application further initiates a payment transaction with a transaction processor server computer using the encrypted payment credentials.
    Type: Application
    Filed: March 28, 2017
    Publication date: July 13, 2017
    Inventors: Igor Karpenko, Oleg Makhotin, Kiushan Pirzadeh, Glenn Powell, John Sheets, Erick Wong
  • Patent number: 9646303
    Abstract: Embodiments of the present invention are directed to methods, apparatuses, computer readable media and systems for securely processing remote transactions. One embodiment of the invention is directed to a method of processing a remote transaction initiated by a mobile device. The method comprises receiving, by a mobile payment application on a secure memory of the mobile device, transaction data from a transaction processor application on the mobile device. The method further comprises validating that the transaction processor application is authentic and in response to validating the transaction processor application, providing encrypted payment credentials to the transaction processor application. The transaction processor application further initiates a payment transaction with a transaction processor server computer using the encrypted payment credentials.
    Type: Grant
    Filed: August 15, 2014
    Date of Patent: May 9, 2017
    Assignee: Visa International Service Association
    Inventors: Igor Karpenko, Oleg Makhotin, Kiushan Pirzadeh, Glenn Powell, John Sheets, Erick Wong
  • Publication number: 20170123789
    Abstract: Embodiments of the present invention are directed at methods and systems for providing a partial personalization process that allows for more efficient and effective personalization of a application on a communication device. For example, personalization profiles associated with multiple versions of the application may be stored at a provisioning system and the provisioning system may determine the appropriate partial provisioning information to update the application for each migration notification. Partial personalization information that is to be updated for the updated version of the application may be generated and installed to enable new functionality and/or update the information contained within an updated application without requiring re-personalization of all personalized information.
    Type: Application
    Filed: January 9, 2017
    Publication date: May 4, 2017
    Inventors: Christian Aabye, Kiushan Pirzadeh, Glenn Powell, Igor Karpenko
  • Patent number: 9582267
    Abstract: Embodiments of the present invention are directed at methods and systems for providing a partial personalization process that allows for more efficient and effective personalization of a mobile application on a communication device after updating the mobile application. For example, personalization profiles associated with multiple versions of the mobile application may be stored at an application update provisioning system and the application update provisioning system may determine the appropriate partial provisioning information to update the mobile application for each migration notification. Accordingly, a tailored partial personalization script including only that personalization information that is to be updated for the updated version of the mobile application may be generated and installed to enable new functionality and/or update the information contained within an updated mobile application, without requiring re-personalization of all personalized information into the updated mobile application.
    Type: Grant
    Filed: October 13, 2015
    Date of Patent: February 28, 2017
    Assignee: Visa International Service Association
    Inventors: Christian Aabye, Kiushan Pirzadeh, Glenn Powell, Igor Karpenko
  • Publication number: 20170046696
    Abstract: Embodiments of the present invention are directed to systems, methods, and apparatus for allowing an issuer to initiate account provisioning on a mobile device without interacting with an accountholder. The issuer may initiate the process by sending a provisioning information request message to a mobile device with a secure element. The mobile device may recognize the provisioning request message and gather the requisite provisioning information without requiring user input. The provisioning information may include information associated with the secure element of the mobile device. The mobile device may then send a provisioning request message to a provisioning system. The provisioning request message may include the requisite provisioning information to allow the provisioning system to provision the financial account on the secure element of the mobile device.
    Type: Application
    Filed: October 28, 2016
    Publication date: February 16, 2017
    Inventors: GLEN LEON POWELL, John F. Sheets, Igor Karpenko