Patents by Inventor Manoj K. Thulaseedharan Pillai
Manoj K. Thulaseedharan Pillai 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: 20240265383Abstract: Systems, methods, and computer-readable media for communicating electronic device secure element data over multiple paths for online payments are provided. In one example embodiment, a method includes, inter alia, at a commercial entity subsystem, receiving, from an electronic device, device transaction data that includes credential data indicative of a payment credential on the electronic device for funding a transaction with a merchant subsystem, accessing a transaction identifier, deriving a transaction key based on transaction key data that includes the accessed transaction identifier, transmitting, to one of the merchant subsystem and the electronic device, merchant payment data that includes a first portion of the credential data and the accessed transaction identifier, and sharing, with a financial institution subsystem using the transaction key, commercial payment data that includes a second portion of the credential data that is different than the first portion of the credential data.Type: ApplicationFiled: March 25, 2024Publication date: August 8, 2024Inventors: Manoj K. Thulaseedharan PILLAI, Ahmer A. KHAN, Thomas ELLIOTT, Timothy S. HURLEY, Jennifer J. BAILEY, David E. BRUDNICKI
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Patent number: 11941620Abstract: Systems, methods, and computer-readable media for communicating electronic device secure element data over multiple paths for online payments are provided. In one example embodiment, a method includes, inter alia, at a commercial entity subsystem, receiving, from an electronic device, device transaction data that includes credential data indicative of a payment credential on the electronic device for funding a transaction with a merchant subsystem, accessing a transaction identifier, deriving a transaction key based on transaction key data that includes the accessed transaction identifier, transmitting, to one of the merchant subsystem and the electronic device, merchant payment data that includes a first portion of the credential data and the accessed transaction identifier, and sharing, with a financial institution subsystem using the transaction key, commercial payment data that includes a second portion of the credential data that is different than the first portion of the credential data.Type: GrantFiled: December 28, 2020Date of Patent: March 26, 2024Assignee: Apple Inc.Inventors: Manoj K. Thulaseedharan Pillai, Ahmer A. Khan, Thomas Elliott, Timothy S. Hurley, Jennifer J. Bailey, David E. Brudnicki
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Publication number: 20230419310Abstract: Systems, methods, and computer-readable media for communicating electronic device secure element data over multiple paths for online payments are provided. In one example embodiment, a method includes, inter alia, at a commercial entity subsystem, receiving, from an electronic device, device transaction data that includes credential data indicative of a payment credential on the electronic device for funding a transaction with a merchant subsystem, accessing a transaction identifier, deriving a transaction key based on transaction key data that includes the accessed transaction identifier, transmitting, to one of the merchant subsystem and the electronic device, merchant payment data that includes a first portion of the credential data and the accessed transaction identifier, and sharing, with a financial institution subsystem using the transaction key, commercial payment data that includes a second portion of the credential data that is different than the first portion of the credential data.Type: ApplicationFiled: September 1, 2023Publication date: December 28, 2023Inventors: Manoj K. Thulaseedharan PILLAI, Ahmer A. KHAN, Thomas ELLIOTT, Timothy S. HURLEY, Jennifer J. BAILEY, David E. BRUDNICKI
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Patent number: 11748746Abstract: Systems, methods, and computer-readable media for communicating electronic device secure element data over multiple paths for online payments are provided. In one example embodiment, a method includes, inter alia, at a commercial entity subsystem, receiving, from an electronic device, device transaction data that includes credential data indicative of a payment credential on the electronic device for funding a transaction with a merchant subsystem, accessing a transaction identifier, deriving a transaction key based on transaction key data that includes the accessed transaction identifier, transmitting, to one of the merchant subsystem and the electronic device, merchant payment data that includes a first portion of the credential data and the accessed transaction identifier, and sharing, with a financial institution subsystem using the transaction key, commercial payment data that includes a second portion of the credential data that is different than the first portion of the credential data.Type: GrantFiled: September 23, 2016Date of Patent: September 5, 2023Assignee: Apple Inc.Inventors: Manoj K. Thulaseedharan Pillai, Ahmer A. Khan, Thomas Elliott, Timothy S. Hurley, Jennifer J. Bailey, David E. Brudnicki
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Patent number: 11687920Abstract: Systems, methods, and computer-readable media for facilitating a fund transfer between user accounts are provided.Type: GrantFiled: June 17, 2022Date of Patent: June 27, 2023Assignee: Apple Inc.Inventors: David E. Brudnicki, Manoj K. Thulaseedharan Pillai, Rupa B. Vazirani, Sunil Nair, Timothy S. Hurley, Matthew W. Strampe, Anish Bhatt
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Publication number: 20220327528Abstract: Systems, methods, and computer-readable media for facilitating a fund transfer between user accounts are provided.Type: ApplicationFiled: June 17, 2022Publication date: October 13, 2022Inventors: David E. BRUDNICKI, Manoj K. THULASEEDHARAN PILLAI, Rupa B. VAZIRANI, Sunil NAIR, Timothy S. HURLEY, Matthew W. STRAMPE, Anish BHATT
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Publication number: 20210150523Abstract: Systems, methods, and computer-readable media for communicating electronic device secure element data over multiple paths for online payments are provided. In one example embodiment, a method includes, inter alia, at a commercial entity subsystem, receiving, from an electronic device, device transaction data that includes credential data indicative of a payment credential on the electronic device for funding a transaction with a merchant subsystem, accessing a transaction identifier, deriving a transaction key based on transaction key data that includes the accessed transaction identifier, transmitting, to one of the merchant subsystem and the electronic device, merchant payment data that includes a first portion of the credential data and the accessed transaction identifier, and sharing, with a financial institution subsystem using the transaction key, commercial payment data that includes a second portion of the credential data that is different than the first portion of the credential data.Type: ApplicationFiled: December 28, 2020Publication date: May 20, 2021Inventors: Manoj K. Thulaseedharan PILLAI, Ahmer A. KHAN, Thomas ELLIOTT, Timothy S. HURLEY, Jennifer J. BAILEY, David E. BRUDNICKI
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Patent number: 10878414Abstract: Systems, methods, and computer-readable media for communicating electronic device secure element data over multiple paths for online payments are provided. In one example embodiment, a method includes, inter alia, at a commercial entity subsystem, receiving, from an electronic device, device transaction data that includes credential data indicative of a payment credential on the electronic device for funding a transaction with a merchant subsystem, accessing a transaction identifier, deriving a transaction key based on transaction key data that includes the accessed transaction identifier, transmitting, to one of the merchant subsystem and the electronic device, merchant payment data that includes a first portion of the credential data and the accessed transaction identifier, and sharing, with a financial institution subsystem using the transaction key, commercial payment data that includes a second portion of the credential data that is different than the first portion of the credential data.Type: GrantFiled: September 23, 2016Date of Patent: December 29, 2020Assignee: Apple Inc.Inventors: Manoj K. Thulaseedharan Pillai, Ahmer A. Khan, Thomas Elliott, Timothy S. Hurley, Jennifer J. Bailey, David E. Brudnicki
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Patent number: 10218719Abstract: Disclosed are systems and methods for providing protection against alteration of data, such as a credential, associated with a transaction. A first communication is received from a requesting system. The first communication includes a credential and corresponds to an indication that an extended-duration task is being initiated and a request to listen to a status of the credential. A device-listening data store is updated to associate the credential with an identifier associated with the requesting system. When an event is detected that indicates that the credential has been modified or cancelled, the device-listening data store is queried based on the credential. In response to the query, the identifier associated with the requesting device is received. A second communication is generated that corresponds to an alert that identifies a status of the credential as having been modified or cancelled. The second communication is transmitted to the requesting system.Type: GrantFiled: September 21, 2016Date of Patent: February 26, 2019Assignee: Apple Inc.Inventors: Timothy S. Hurley, David E. Brudnicki, Manoj K. Thulaseedharan Pillai
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Publication number: 20180336553Abstract: Systems, methods, and computer-readable media for facilitating a fund transfer between user accounts are provided.Type: ApplicationFiled: May 16, 2018Publication date: November 22, 2018Inventors: David E. Brudnicki, Manoj K. Thulaseedharan Pillai, Rupa B. Vazirani, Sunil Nair, Timothy S. Hurley, Matthew W. Strampe, Anish Bhatt
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Publication number: 20180083986Abstract: Disclosed are systems and methods for providing protection against alteration of data, such as a credential, associated with a transaction. A first communication is received from a requesting system. The first communication includes a credential and corresponds to an indication that an extended-duration task is being initiated and a request to listen to a status of the credential. A device-listening data store is updated to associate the credential with an identifier associated with the requesting system. When an event is detected that indicates that the credential has been modified or cancelled, the device-listening data store is queried based on the credential. In response to the query, the identifier associated with the requesting device is received. A second communication is generated that corresponds to an alert that identifies a status of the credential as having been modified or cancelled. The second communication is transmitted to the requesting system.Type: ApplicationFiled: September 21, 2016Publication date: March 22, 2018Applicant: Apple Inc.Inventors: Timothy S. Hurley, David E. Brudnicki, Manoj K. Thulaseedharan Pillai
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Publication number: 20170103388Abstract: Systems, methods, and computer-readable media for communicating electronic device secure element data over multiple paths for online payments are provided. In one example embodiment, a method includes, inter alia, at a commercial entity subsystem, receiving, from an electronic device, device transaction data that includes credential data indicative of a payment credential on the electronic device for funding a transaction with a merchant subsystem, accessing a transaction identifier, deriving a transaction key based on transaction key data that includes the accessed transaction identifier, transmitting, to one of the merchant subsystem and the electronic device, merchant payment data that includes a first portion of the credential data and the accessed transaction identifier, and sharing, with a financial institution subsystem using the transaction key, commercial payment data that includes a second portion of the credential data that is different than the first portion of the credential data.Type: ApplicationFiled: September 23, 2016Publication date: April 13, 2017Inventors: Manoj K. Thulaseedharan Pillai, Ahmer A. Khan, Thomas Elliott, Timothy S. Hurley, Jennifer J. Bailey, David E. Brudnicki
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Publication number: 20170011395Abstract: Systems, methods, and computer-readable media for communicating electronic device secure element data over multiple paths for online payments are provided. In one example embodiment, a method includes, inter alia, at a commercial entity subsystem, receiving, from an electronic device, device transaction data that includes credential data indicative of a payment credential on the electronic device for funding a transaction with a merchant subsystem, accessing a transaction identifier, deriving a transaction key based on transaction key data that includes the accessed transaction identifier, transmitting, to one of the merchant subsystem and the electronic device, merchant payment data that includes a first portion of the credential data and the accessed transaction identifier, and sharing, with a financial institution subsystem using the transaction key, commercial payment data that includes a second portion of the credential data that is different than the first portion of the credential data.Type: ApplicationFiled: September 23, 2016Publication date: January 12, 2017Inventors: Manoj K. Thulaseedharan Pillai, Ahmer A. Khan, Thomas Elliott, Timothy S. Hurley, Jennifer J. Bailey, David E. Brudnicki
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Publication number: 20150348024Abstract: The system comprises approving a credit application during a single http session, transmitting an encoded secure token to a web-client participating in the http session, receiving from the mobile communications device the secure token, and transmitting the transaction account data to the mobile communications device, in response to the receiving the secure token. The system may further comprise the mobile communications device decoding the secure token.Type: ApplicationFiled: June 2, 2014Publication date: December 3, 2015Applicant: American Express Travel Related Services Company, Inc.Inventors: Sandeep K. Asokan, Michael J. Bailey, Joe Buselmeier, Manish K. Deliwala, Chintan Mehta, Keshav A. Narsipur, Manoj K. Thulaseedharan Pillai