Patents by Inventor Miroslav Gavrilov

Miroslav Gavrilov 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: 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
  • 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
  • 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: 20150248664
    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: Application
    Filed: April 28, 2015
    Publication date: September 3, 2015
    Inventors: Uzma Makhdumi, Ayman Hammad, Igor Karpenko, Miroslav Gavrilov, Abhinav Shrivastava, Mark Carlson
  • Publication number: 20140337175
    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: Application
    Filed: February 22, 2012
    Publication date: November 13, 2014
    Applicant: 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: 20120209749
    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: February 16, 2012
    Publication date: August 16, 2012
    Inventors: Ayman Hammad, Igor Karpenko, Miroslav Gavrilov, Abhinav Shrivastava, Mark Carlson