Patents by Inventor Manu Dharmaiah Kallugudde
Manu Dharmaiah Kallugudde 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: 12192346Abstract: The present disclosure relates to a computer-implemented method and to a system for authenticating a transaction over a secure network. The method comprises, prior to authorization of a transaction: receiving, by a digital service server, from a merchant plug-in (MPI) computing device, via a directory server, a token and a first cryptogram for the transaction; decrypting, by the digital service server, the token into sensitive data; generating, by the digital service server, a first message including a validation result and the sensitive data; and transmitting, by the digital service server, the first message to an issuer server to authenticate the transaction.Type: GrantFiled: March 6, 2023Date of Patent: January 7, 2025Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Christopher Eggimann, Manu Dharmaiah Kallugudde
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Publication number: 20240372723Abstract: The present invention discloses a method of processing a data transfer request securely over a network, the method comprising the steps of obtaining, by a first entity, a first token associated with sensitive data received from a user; associating the first token with a token reference and storing the token reference; sending the token reference to a second entity; requesting a second token from a second entity upon receiving a data transfer request from a third entity, wherein the second token is derived from the first token using an ad hoc logic; and processing the data transfer request using the second token.Type: ApplicationFiled: July 14, 2024Publication date: November 7, 2024Inventor: Manu Dharmaiah Kallugudde
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Patent number: 12047505Abstract: The present invention discloses a method of processing a data transfer request securely over a network, the method comprising the steps of obtaining, by a first entity, a first token associated with sensitive data received from a user; associating the first token with a token reference and storing the token reference; sending the token reference to a second entity; requesting a second token from a second entity upon receiving a data transfer request from a third entity, wherein the second token is derived from the first token using an ad hoc logic; and processing the data transfer request using the second token.Type: GrantFiled: December 3, 2020Date of Patent: July 23, 2024Assignee: Mastercard International IncorporatedInventor: Manu Dharmaiah Kallugudde
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Publication number: 20240232848Abstract: Systems and methods are provided for use in providing aggregation to users. One example computer-implemented method includes receiving, by a computing device, an authorization request for an interaction by a user with a first party, the authorization request including an account number and a category code and identifying an aggregate profile based on the account number. In response to identifying the aggregate profile, the method the includes identifying the authorization request to the aggregate profile based on the category code being included in the aggregate profile. The method further includes transmitting, by the computing device, an approval for the authorization request and updating a balance specific to the aggregate profile and associated with a first interval based on the authorization request.Type: ApplicationFiled: January 10, 2023Publication date: July 11, 2024Inventor: Manu Dharmaiah Kallugudde
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Publication number: 20240129283Abstract: The present disclosure relates to a computer-implemented method of processing a data transfer. The method comprises generating a first identifier for a first entity; linking the first identifier with a second identifier associated with a second entity; sending the first identifier and the second identifier to the first server; verifying the first entity based at least on the first identifier and the second identifier; sending a message to a second server, the message comprising at least the first identifier, the second identifier, and a name associated with the first identifier; and authenticating the data transfer for the first entity based at least on the information contained in the message.Type: ApplicationFiled: December 23, 2023Publication date: April 18, 2024Inventor: Manu Dharmaiah Kallugudde
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Patent number: 11855972Abstract: The present disclosure relates to a computer-implemented method of processing a data transfer. The method comprises generating a first identifier for a first entity; linking the first identifier with a second identifier associated with a second entity; sending the first identifier and the second identifier to the first server; verifying the first entity based at least on the first identifier and the second identifier; sending a message to a second server, the message comprising at least the first identifier, the second identifier, and a name associated with the first identifier; and authenticating the data transfer for the first entity based at least on the information contained in the message.Type: GrantFiled: March 29, 2021Date of Patent: December 26, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventor: Manu Dharmaiah Kallugudde
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Publication number: 20230385832Abstract: Examples provide consumer identity validation (CIV) via last used payment card, improving management of payment infrastructure resources. Examples enable the consumer to more efficiently complete CIV via at least one of a last used account or a last used card. By not requiring consumers to repeatedly go through the entire CIV process at each transaction at the same merchant when using the exact same card they used on a previous visit, excessive and unnecessary strain on the infrastructure is reduced, preventing degradation of the infrastructure. This enables allocating fewer computing resources to CIV, making deployments utilizing low-power or otherwise constrained equipment simpler and easier to maintain. Thus, scaling is enhanced. Individual CIV performance is more efficient, and less computing resources and energy are required across the entire infrastructure.Type: ApplicationFiled: March 25, 2023Publication date: November 30, 2023Inventors: Michael D. McCARTHY, Harjender SINGH, Holger KUNKAT, Tomasz BLACHOWICZ, Edward Neil LIVINGSTON, Krunal BHAYANI, Maurice David LISCIA, Manu Dharmaiah KALLUGUDDE, Pablo FOUREZ
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Publication number: 20230360038Abstract: The present invention discloses a method for enabling a secure data transfer comprising verifying the identity of a user having a payment device and a personal communication device; generating a payment token associated with the payment device of the user; generating a merchant device token associated with a merchant and linked to the personal communication device of the user; and processing a transaction between the user and the merchant using the payment token and the merchant device token.Type: ApplicationFiled: August 23, 2021Publication date: November 9, 2023Inventors: Manu Dharmaiah Kallugudde, Anthony Joseph Pianezza
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Patent number: 11734683Abstract: Disclosed herein is a computer implemented method for providing authentication for secure transactions in a multi-server system, the method comprising; receiving, at an authentication server from a requestor server, a request for a cryptogram, the request being associated with a transaction and including a requestor identifier; in response to receiving the request, generating a cryptogram; sending, from the authentication server, the cryptogram to the requestor server; receiving, at the authentication server from a merchant server, the cryptogram, a payment token, and a unique merchant identifier, and a merchant secret; validating, at the authentication server, the cryptogram; comparing, at the authentication server, the unique merchant identifier and the merchant secret with a unique merchant identifier and a merchant secret pair stored in a database; and authorizing, at the authentication server, the transaction when there is a match.Type: GrantFiled: August 25, 2020Date of Patent: August 22, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Christopher Eggimann, Manu Dharmaiah Kallugudde
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Publication number: 20230208632Abstract: The present disclosure relates to a computer-implemented method and to a system for authenticating a transaction over a secure network. The method comprises, prior to authorization of a transaction: receiving, by a digital service server, from a merchant plug-in (MPI) computing device, via a directory server, a token and a first cryptogram for the transaction; decrypting, by the digital service server, the token into sensitive data; generating, by the digital service server, a first message including a validation result and the sensitive data; and transmitting, by the digital service server, the first message to an issuer server to authenticate the transaction.Type: ApplicationFiled: March 6, 2023Publication date: June 29, 2023Inventors: Christopher Eggimann, Manu Dharmaiah Kallugudde
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Patent number: 11611434Abstract: The present disclosure relates to a computer-implemented method for authenticating a transaction over a secure network. The method comprises receiving, by a first authentication server, a sensitive data payload and a cryptogram, wherein the first authentication server is configured to either receive or generate a token associated with the sensitive data payload; transmitting, by the first authentication server, the token and the cryptogram to a second authentication server, wherein the second authentication server is configured to validate the token and the cryptogram and generate a first message including a validation result; transmitting, by the second authentication server, the first message to an issuer server to authenticate the transaction; and reviewing, by the issuer server, the validation result and generating an authentication value including a validation flag based on the review of the validation result.Type: GrantFiled: August 25, 2020Date of Patent: March 21, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Christopher Eggimann, Manu Dharmaiah Kallugudde
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Patent number: 11570168Abstract: The invention provides an authentication technique that involves provision of a new authentication credential for each authentication attempt. The requestor of the new authentication credential is required to provide a previous authentication credential in order to successfully receive the new authentication credential. The previous authentication credential has however been de-authorised so it cannot be used to authenticate the requestor, only to successfully obtain a new authentication credential. The requestor then authenticates using the new authentication credential. The cycle is repeated for as many repeat authentication attempts as are made by the requestor.Type: GrantFiled: August 21, 2020Date of Patent: January 31, 2023Assignee: Mastercard International IncorporatedInventor: Manu Dharmaiah Kallugudde
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Patent number: 11501289Abstract: A computer implemented system and method is disclosed for providing a secure payment transaction between a customer and a merchant.Type: GrantFiled: May 24, 2019Date of Patent: November 15, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Vijin Venugopalan, Manu Dharmaiah Kallugudde, Saket Bhardwaj
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Patent number: 11443325Abstract: A payment network server for processing an electronic commerce (e-commerce) transaction initiated by a customer is described.Type: GrantFiled: September 5, 2019Date of Patent: September 13, 2022Assignee: Mastercard International IncorporatedInventors: Manu Dharmaiah Kallugudde, Satya Sudipta Padhiary
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Publication number: 20210306312Abstract: The present disclosure relates to a computer-implemented method of processing a data transfer. The method comprises generating a first identifier for a first entity; linking the first identifier with a second identifier associated with a second entity; sending the first identifier and the second identifier to the first server; verifying the first entity based at least on the first identifier and the second identifier; sending a message to a second server, the message comprising at least the first identifier, the second identifier, and a name associated with the first identifier; and authenticating the data transfer for the first entity based at least on the information contained in the message.Type: ApplicationFiled: March 29, 2021Publication date: September 30, 2021Inventor: Manu Dharmaiah Kallugudde
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Publication number: 20210176060Abstract: The present invention discloses a method of processing a data transfer request securely over a network, the method comprising the steps of obtaining, by a first entity, a first token associated with sensitive data received from a user; associating the first token with a token reference and storing the token reference; sending the token reference to a second entity; requesting a second token from a second entity upon receiving a data transfer request from a third entity, wherein the second token is derived from the first token using an ad hoc logic; and processing the data transfer request using the second token.Type: ApplicationFiled: December 3, 2020Publication date: June 10, 2021Inventor: Manu Dharmaiah Kallugudde
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Publication number: 20210117967Abstract: Disclosed herein is a computer implemented method for providing authentication for secure transactions in a multi-server system, the method comprising; receiving, at an authentication server from a requestor server, a request for a cryptogram, the request being associated with a transaction and including a requestor identifier; in response to receiving the request, generating a cryptogram; sending, from the authentication server, the cryptogram to the requestor server; receiving, at the authentication server from a merchant server, the cryptogram, a payment token, and a unique merchant identifier, and a merchant secret; validating, at the authentication server, the cryptogram; comparing, at the authentication server, the unique merchant identifier and the merchant secret with a unique merchant identifier and a merchant secret pair stored in a database; and authorizing, at the authentication server, the transaction when there is a match.Type: ApplicationFiled: August 25, 2020Publication date: April 22, 2021Inventors: Christopher Eggimann, Manu Dharmaiah Kallugudde
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Publication number: 20210119790Abstract: The present disclosure relates to a computer-implemented method for authenticating a transaction over a secure network. The method comprises receiving, by a first authentication server, a sensitive data payload and a cryptogram, wherein the first authentication server is configured to either receive or generate a token associated with the sensitive data payload; transmitting, by the first authentication server, the token and the cryptogram to a second authentication server, wherein the second authentication server is configured to validate the token and the cryptogram and generate a first message including a validation result; transmitting, by the second authentication server, the first message to an issuer server to authenticate the transaction; and reviewing, by the issuer server, the validation result and generating an authentication value including a validation flag based on the review of the validation result.Type: ApplicationFiled: August 25, 2020Publication date: April 22, 2021Inventors: Christopher Eggimann, Manu Dharmaiah Kallugudde
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Publication number: 20210084029Abstract: The invention provides an authentication technique that involves provision of a new authentication credential for each authentication attempt. The requestor of the new authentication credential is required to provide a previous authentication credential in order to successfully receive the new authentication credential. The previous authentication credential has however been de-authorised so it cannot be used to authenticate the requestor, only to successfully obtain a new authentication credential. The requestor then authenticates using the new authentication credential. The cycle is repeated for as many repeat authentication attempts as are made by the requestor.Type: ApplicationFiled: August 21, 2020Publication date: March 18, 2021Applicant: Mastercard International IncorporatedInventor: Manu Dharmaiah Kallugudde
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Publication number: 20200118125Abstract: A method includes pre-authorizing a token entry at a payment gateway. The token entry is represented by a token. A transaction request is received at the payment gateway. The request is from a merchant and includes the payment token. The transaction request is related to an e-commerce transaction involving the merchant. The payment gateway responds to the payment request by authorizing the e-commerce transaction. The e-commerce transaction is charged to the token entry at the payment gateway.Type: ApplicationFiled: October 16, 2018Publication date: April 16, 2020Inventors: Manu Dharmaiah Kallugudde, Satya Sudipta Padhiary, Suken Bhayani