Patents by Inventor Naresh Bhandari

Naresh Bhandari 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).

  • Sending a cryptogram to a POS while disconnected from a network
    Patent number: 11968191
    Abstract: Various embodiments for sending a cryptogram to a point of sale terminal while disconnected from a network. In some embodiments, for example, a computing device that is configured to display a prompt for a selection of a transaction account. An encrypted session key is retrieved through a network in response to determining a number of session keys associated with the transaction account is below a threshold. The computing device is also configured to generate a session key based at least in part on decrypting the encrypted session key using an encryption key and establish a wireless connection with a point of sale terminal for a purchase. A cryptogram is generated from the session key based at least in part on the user device being disconnected from the network. The cryptogram is sent to the point of sale terminal.
    Type: Grant
    Filed: August 3, 2021
    Date of Patent: April 23, 2024
    Assignee: American Express Travel Related Services Company, Inc.
    Inventors: Naresh Bhandari, Manish K. Deliwala, Ajay Maddukuri, John G. McDonald, Curtis Watson
  • Sending a cryptogram to a POS while disconnected from a network
    Patent number: 11108746
    Abstract: A system is configured for detecting a point of sale, receiving a personal identification number (PIN), generating a PIN based key using a message digest of the PIN, decrypting a data encryption key (DEK) using the PIN based key, and generating a DEK based dynamic key using the PIN based key. The system may also decrypt a session key using the DEK based dynamic key, generate a cryptogram from the session key, and send the cryptogram to the point of sale.
    Type: Grant
    Filed: May 24, 2018
    Date of Patent: August 31, 2021
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Naresh Bhandari, Manish K. Deliwala, Ajay Maddukuri, John G. McDonald, Curtis Watson
  • Sending a Cryptogram to a POS While Disconnected From a Network
    Publication number: 20180278589
    Abstract: A system is configured for detecting a point of sale, receiving a personal identification number (PIN), generating a PIN based key using a message digest of the PIN, decrypting a data encryption key (DEK) using the PIN based key, and generating a DEK based dynamic key using the PIN based key. The system may also decrypt a session key using the DEK based dynamic key, generate a cryptogram from the session key, and send the cryptogram to the point of sale.
    Type: Application
    Filed: May 24, 2018
    Publication date: September 27, 2018
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Naresh Bhandari, Manish K. Deliwala, Ajay Maddukuri, John G. McDonald, Curtis Watson
  • Host card emulation systems and methods
    Patent number: 10009324
    Abstract: A system is configured for detecting a point of sale, receiving a personal identification number (PIN), generating a PIN based key using a message digest of the PIN, decrypting a data encryption key (DEK) using the PIN based key, and generating a DEK based dynamic key using the PIN based key. The system may also decrypt a session key using the DEK based dynamic key, generate a cryptogram from the session key, and send the cryptogram to the point of sale.
    Type: Grant
    Filed: December 4, 2015
    Date of Patent: June 26, 2018
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Naresh Bhandari, Manish K. Deliwala, Ajay B. Maddukuri, John G. McDonald, Curtis Watson
  • HOST CARD EMULATION SYSTEMS AND METHODS
    Publication number: 20160381010
    Abstract: A system is configured for detecting a point of sale, receiving a personal identification number (PIN), generating a PIN based key using a message digest of the PIN, decrypting a data encryption key (DEK) using the PIN based key, and generating a DEK based dynamic key using the PIN based key. The system may also decrypt a session key using the DEK based dynamic key, generate a cryptogram from the session key, and send the cryptogram to the point of sale.
    Type: Application
    Filed: December 4, 2015
    Publication date: December 29, 2016
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Naresh Bhandari, Manish K. Deliwala, Ajay B. Maddukuri, John G. McDonald, Curtis Watson