Patents by Inventor Kalpana Jogi
Kalpana Jogi 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: 11461323Abstract: Described herein are a system and techniques for increasing the efficiency of generating a result set for a query. In some embodiments, the techniques may involve performing computations on a high-level element, sorting, and selecting a set of the high-level elements, and recursively repeating the process on sub-elements of the set of the high-level elements. The process may be recursively repeated until a specified level of granularity is reached. This may significantly decrease the number of computations that need to be performed, increasing the speed with which queries can be performed. In some embodiments, the process may involve identifying elements which may be highly correlated to optimal computation results and may add those elements to the result set to improve the accuracy of the result set.Type: GrantFiled: June 28, 2019Date of Patent: October 4, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Hongqin Song, Yu Gu, Shizhuo Yu, Raghunandan Surapaneni, Shawn Johnson, Kalpana Jogi
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Patent number: 11328302Abstract: A system and method includes an authorization request message configured with information about transaction amounts of items aggregated according to item categories and applicable rates for the items in the respective categories. Based on the information provided in the authorization request, a transaction handler is configured to compute a modified transaction amount for the transaction by reducing the transaction amount of items in one or more of the categories, without reducing the transaction amount(s) of items in one or more other categories, and computing a total transaction amount based on the reduction and the applicable rates.Type: GrantFiled: October 28, 2020Date of Patent: May 10, 2022Assignee: Visa International Service AssociationInventors: Ilker Celikyilmaz, Sivakumar Seshappan, Kalpana Jogi, Tirtha Mauli Sarkar, Darpan Dewan, Thoithoi Chingakham, Michael Steven Bankston, Raman Chinnappan
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Publication number: 20210073814Abstract: A system and method includes an authorization request message configured with information about transaction amounts of items aggregated according to item categories and applicable rates for the items in the respective categories. Based on the information provided in the authorization request, a transaction handler is configured to compute a modified transaction amount for the transaction by reducing the transaction amount of items in one or more of the categories, without reducing the transaction amount(s) of items in one or more other categories, and computing a total transaction amount based on the reduction and the applicable rates.Type: ApplicationFiled: October 28, 2020Publication date: March 11, 2021Inventors: Ilker Celikyilmaz, Sivakumar Seshappan, Kalpana Jogi, Tirtha Mauli Sarkar, Darpan Dewan, Thoithoi Chingakham, Michael Steven Bankston, Raman Chinnappan
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Publication number: 20210004716Abstract: A global AI platform and a method for generating aggregated and ordered data sets are disclosed. Aggregated and ordered data sets are data sets that have been grouped, ordered, and for which one or more data values in the data set have been aggregated. As a result of their aggregation and ordering, aggregated and ordered data sets can be retrieved from a database and used more quickly than non-ordered, non-aggregated data sets. A data processor computer can receive a plurality of data sets, and from those data sets generate aggregated and ordered data sets that can subsequently be stored in an aggregated and ordered database. A data service computer can retrieve a subset of the aggregated and ordered data sets from the database, and use the subset as an input to an AI model that can be used to generate predictions that can be delivered to clients.Type: ApplicationFiled: July 3, 2019Publication date: January 7, 2021Inventors: Hongqin Song, Yu Gu, Shawn Johnson, Kalpana Jogi, Claudia Barcenas, Xu Wang
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Publication number: 20200409953Abstract: Described herein are a system and techniques for increasing the efficiency of generating a result set for a query. In some embodiments, the techniques may involve performing computations on a high-level element, sorting, and selecting a set of the high-level elements, and recursively repeating the process on sub-elements of the set of the high-level elements. The process may be recursively repeated until a specified level of granularity is reached. This may significantly decrease the number of computations that need to be performed, increasing the speed with which queries can be performed. In some embodiments, the process may involve identifying elements which may be highly correlated to optimal computation results and may add those elements to the result set to improve the accuracy of the result set.Type: ApplicationFiled: June 28, 2019Publication date: December 31, 2020Inventors: Hongqin Song, Yu Gu, Shizhuo Yu, Raghunandan Surapaneni, Shawn Johnson, Kalpana Jogi
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Patent number: 10846703Abstract: A system and method includes an authorization request message configured with information about transaction amounts of items aggregated according to item categories and applicable rates for the items in the respective categories. Based on the information provided in the authorization request, a transaction handler is configured to compute a modified transaction amount for the transaction by reducing the transaction amount of items in one or more of the categories, without reducing the transaction amount(s) of items in one or more other categories, and computing a total transaction amount based on the reduction and the applicable rates.Type: GrantFiled: November 14, 2018Date of Patent: November 24, 2020Assignee: Visa International Service AssociationInventors: Ilker Celikyilmaz, Sivakumar Seshappan, Raman Chinnappan, Kalpana Jogi, Tirtha Mauli Sarkar, Darpan Dewan, Thoithoi Chingakham, Michael Steven Bankston
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Patent number: 10817957Abstract: A system and method to detect changes in transaction parameters for the identification of a store of the merchant in a payment processing network. The system is configured to monitor input data, such as acquirer's merchant master file (AMMF), transaction records, to detect transaction parameters of a processing entity that partially match with the transaction parameters associated with an external, persistent identifier of the merchant and/or the store of the merchant, determine a change or difference introduced in the detect transaction parameters, and update the set of transaction parameters associated with the persistent identifier of the store of the merchant that can be used to identify the set of transaction parameters of the store in a communication external to the communication system of the payment processing network.Type: GrantFiled: March 6, 2019Date of Patent: October 27, 2020Assignee: Visa International Services AssociationInventors: Ilker Celikyilmaz, Sashideep Chanda, Raman Chinnappan, Basudeb Ghosh, Kalpana Jogi, Mahesh Govind Joshi, Muhammad Bassam Adil Khan
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Publication number: 20190205994Abstract: A system and method to detect changes in transaction parameters for the identification of a store of the merchant in a payment processing network. The system is configured to monitor input data, such as acquirer's merchant master file (AMMF), transaction records, to detect transaction parameters of a processing entity that partially match with the transaction parameters associated with an external, persistent identifier of the merchant and/or the store of the merchant, determine a change or difference introduced in the detect transaction parameters, and update the set of transaction parameters associated with the persistent identifier of the store of the merchant that can be used to identify the set of transaction parameters of the store in a communication external to the communication system of the payment processing network.Type: ApplicationFiled: March 6, 2019Publication date: July 4, 2019Inventors: Ilker Celikyilmaz, Sashideep Chanda, Raman Chinnappan, Basudeb Ghosh, Kalpana Jogi, Mahesh Govind Joshi, Muhammad Bassam Adil Khan
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Patent number: 10269077Abstract: A system and method to detect changes in transaction parameters for the identification of a store of the merchant in a payment processing network. The system is configured to monitor input data, such as acquirer's merchant master file (AMMF), transaction records, to detect transaction parameters of a processing entity that partially match with the transaction parameters associated with an external, persistent identifier of the merchant and/or the store of the merchant, determine a change or difference introduced in the detect transaction parameters, and update the set of transaction parameters associated with the persistent identifier of the store of the merchant that can be used to identify the set of transaction parameters of the store in a communication external to the communication system of the payment processing network.Type: GrantFiled: June 9, 2015Date of Patent: April 23, 2019Assignee: Visa International Service AssociationInventors: Ilker Celikyilmaz, Raman Chinnappan, Basudeb Ghosh, Muhammad Bassam Adil Khan, Mahesh Govind Joshi, Shashideep Chanda, Kalpana Jogi
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Publication number: 20190080324Abstract: A system and method includes an authorization request message configured with information about transaction amounts of items aggregated according to item categories and applicable rates for the items in the respective categories. Based on the information provided in the authorization request, a transaction handler is configured to compute a modified transaction amount for the transaction by reducing the transaction amount of items in one or more of the categories, without reducing the transaction amount(s) of items in one or more other categories, and computing a total transaction amount based on the reduction and the applicable rates.Type: ApplicationFiled: November 14, 2018Publication date: March 14, 2019Inventors: Ilker Celikyilmaz, Sivakumar Seshappan, Raman Chinnappan, Kalpana Jogi, Tirtha Mauli Sarkar, Darpan Dewan, Thoithoi Chingakham, Michael Steven Bankston
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Patent number: 10163106Abstract: A system and method includes an authorization request message configured with information about transaction amounts of items aggregated according to item categories and applicable rates for the items in the respective categories. Based on the information provided in the authorization request, a transaction handler is configured to compute a modified transaction amount for the transaction by reducing the transaction amount of items in one or more of the categories, without reducing the transaction amount(s) of items in one or more other categories, and computing a total transaction amount based on the reduction and the applicable rates.Type: GrantFiled: April 7, 2015Date of Patent: December 25, 2018Assignee: Visa International Service AssociationInventors: Ilker Celikyilmaz, Sivakumar Seshappan, Raman Chinnappan, Kalpana Jogi, Tirtha Mauli Sarkar, Darpan Dewan, Thoithoi Chingakham, Michael Steven Bankston
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Patent number: 9912483Abstract: A computing apparatus configured to verify a digital signature applied on a set of data received from a user device, including an user ID assigned by a partner system to uniquely identify a user of the user device among customers of the partner system, and a user device identifier identifying the user device. The digital signature is generated via applying a cryptographic one-way hash function on a combination of the set of data and a secret, shared between the computing apparatus and the partner system via a secure communication channel separate from a channel used to receive the set of data.Type: GrantFiled: July 13, 2016Date of Patent: March 6, 2018Assignee: Visa International Service AssociationInventors: Mark Carlson, Michael Steven Bankston, Kalpana Jogi, Timothy Gallagher, Alesia Panagiotides
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Patent number: 9836743Abstract: A user interface to register merchants. The user interface is configured to allow a merchant to search and identify a set of transaction parameters that are used in authorization and/or settlement messages of payment transactions initiated for a store of the merchant and allow the merchant to obtain a store identifier representing the set of transaction parameters. The store identifier, for example, can be used to label offers of the store of the merchant. Thus, whether or not an authorization or settlement message transmitted in the payment processing network for a payment transaction is for the store can be determined based on whether or not the transaction parameters in the message match with the set of transaction parameters represented by the store identifier.Type: GrantFiled: June 3, 2015Date of Patent: December 5, 2017Assignee: Visa International Service AssociationInventors: Ilker Celikyilmaz, Kalpana Jogi, Muhammad Bassam Adil Khan, Basudeb Ghosh, Mahesh Govind Joshi, Raman Chinnappan, Rajive Gupta, Ryan Hagey, Shashideep Chanda
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Patent number: 9490985Abstract: A computing apparatus configured to verify a digital signature applied on a set of data received from a user device, including a user ID assigned by a partner system to uniquely identify a user of the user device among customers of the partner system, and a user device identifier identifying the user device. The digital signature is generated via applying a cryptographic one-way hash function on a combination of the set of data and a secret, shared between the computing apparatus and the partner system via a secure communication channel separate from a channel used to receive the set of data.Type: GrantFiled: August 14, 2014Date of Patent: November 8, 2016Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Mark Carlson, Michael Steven Bankston, Kalpana Jogi, Timothy Gallagher, Alesia Panagiotides
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Publication number: 20160323259Abstract: A computing apparatus configured to verify a digital signature applied on a set of data received from a user device, including an user ID assigned by a partner system to uniquely identify a user of the user device among customers of the partner system, and a user device identifier identifying the user device. The digital signature is generated via applying a cryptographic one-way hash function on a combination of the set of data and a secret, shared between the computing apparatus and the partner system via a secure communication channel separate from a channel used to receive the set of data.Type: ApplicationFiled: July 13, 2016Publication date: November 3, 2016Inventors: Mark Carlson, Michael Steven Bankston, Kalpana Jogi, Timothy Gallagher, Alesia Panagiotides
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Publication number: 20150356690Abstract: A system and method to detect changes in transaction parameters for the identification of a store of the merchant in a payment processing network. The system is configured to monitor input data, such as acquirer's merchant master file (AMMF), transaction records, to detect transaction parameters of a processing entity that partially match with the transaction parameters associated with an external, persistent identifier of the merchant and/or the store of the merchant, determine a change or difference introduced in the detect transaction parameters, and update the set of transaction parameters associated with the persistent identifier of the store of the merchant that can be used to identify the set of transaction parameters of the store in a communication external to the communication system of the payment processing network.Type: ApplicationFiled: June 9, 2015Publication date: December 10, 2015Inventors: Ilker Celikyilmaz, Raman Chinnappan, Basudeb Ghosh, Muhammad Bassam Adil Khan, Mahesh Govind Joshi, Shashideep Chanda, Kalpana Jogi
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Publication number: 20150356556Abstract: A user interface to register merchants. The user interface is configured to allow a merchant to search and identify a set of transaction parameters that are used in authorization and/or settlement messages of payment transactions initiated for a store of the merchant and allow the merchant to obtain a store identifier representing the set of transaction parameters. The store identifier, for example, can be used to label offers of the store of the merchant. Thus, whether or not an authorization or settlement message transmitted in the payment processing network for a payment transaction is for the store can be determined based on whether or not the transaction parameters in the message match with the set of transaction parameters represented by the store identifier.Type: ApplicationFiled: June 3, 2015Publication date: December 10, 2015Inventors: Ilker Celikyilmaz, Kalpana Jogi, Muhammad Bassam Adil Khan, Basudeb Ghosh, Mahesh Govind Joshi, Raman Chinnappan, Rajive Gupta, Ryan Hagey, Shashideep Chanda
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Publication number: 20150287034Abstract: A system and method includes an authorization request message configured with information about transaction amounts of items aggregated according to item categories and applicable rates for the items in the respective categories. Based on the information provided in the authorization request, a transaction handler is configured to compute a modified transaction amount for the transaction by reducing the transaction amount of items in one or more of the categories, without reducing the transaction amount(s) of items in one or more other categories, and computing a total transaction amount based on the reduction and the applicable rates.Type: ApplicationFiled: April 7, 2015Publication date: October 8, 2015Inventors: Ilker Celikyilmaz, Sivakumar Seshappan, Raman Chinnappan, Kalpana Jogi, Tirtha Mauli Sarkar, Darpan Dewan, Thoithoi Chingakham, Michael Steven Bankston
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Publication number: 20150287077Abstract: System and method configured to store data defining merchant groups, data associating transaction terminals with merchant groups, and data associating offers with merchant groups. Each of the merchant has one or more transaction terminals configured to process payments via a payment processing network. When a transaction being processed in the payment processing network is detected to be relevant to offers, the transaction data is augmented/enriched with data identifying one or more merchant groups to which a transaction terminal that initiates the transaction is associated. Offer rules are applied to the transaction data that is augmented with merchant group data.Type: ApplicationFiled: June 23, 2014Publication date: October 8, 2015Applicant: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Ilker Celikyilmaz, Joseph Spears, Muhammad Bassam Adil Khan, Kalpana Jogi, Darpan Dewan
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Publication number: 20140359298Abstract: A computing apparatus configured to verify a digital signature applied on a set of data received from a user device, including a user ID assigned by a partner system to uniquely identify a user of the user device among customers of the partner system, and a user device identifier identifying the user device. The digital signature is generated via applying a cryptographic one-way hash function on a combination of the set of data and a secret, shared between the computing apparatus and the partner system via a secure communication channel separate from a channel used to receive the set of data.Type: ApplicationFiled: August 14, 2014Publication date: December 4, 2014Inventors: Mark Carlson, Michael Steven Bankston, Kalpana Jogi, Timothy Gallagher, Alesia Panagiotides