Patents by Inventor Nishant Maheshwari
Nishant Maheshwari 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: 11682016Abstract: According to a first aspect, there is provided an identity verifier comprising: at least one processor; at least one memory including computer program code; and a communication port coupled to the processor the at least one memory and the computer program code configured to, with the at least one processor, cause the identity verifier at least to: receive, through the communication port, query information to verify an identity provided by a party requesting a financial service; extract a unique identifier of an electronic device from the query information, the electronic device used to request the financial service; calculate a probability of an accuracy of the identity verification by at least determining whether one or more databases contain a record of the unique identifier, the one or more databases storing data used to perform the identity verification; and respond, through the communication port, to the query with the calculated probability.Type: GrantFiled: November 16, 2018Date of Patent: June 20, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Manish Kumar, Nishant Maheshwari, Shuvam Sengupta
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Patent number: 11673722Abstract: A method for preventing tampering with a package includes: affixing a plurality of labels to a physical package, each label including a machine-readable code, the machine-readable code being encoded with a unique value that is unique across the machine-readable code included in each of the plurality of labels; reading, by a computing device, the machine-readable code included in each label of the plurality of affixed labels to obtain the encoded unique value; storing, in the computing device, a cryptographic key pair comprised of a public key and a private key; generating, by the computing device, a digital signature using the private key; and electronically transmitting, by the computing device, a data message to a node in a blockchain network, wherein the data message includes at least the generated digital signature, the public key, and the unique value read for each label of the plurality of labels.Type: GrantFiled: April 23, 2018Date of Patent: June 13, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Rachit Verma, Nishant Maheshwari, Gayatri Dwivedi
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Patent number: 11632369Abstract: A method for using the active connection of connected devices for additional security in the conveyance of sensitive data from a computing device includes: storing sensitive data; storing one or more device identifiers, wherein each device identifier is associated with a connected device separate from the computing device; receiving a user instruction requesting use of the sensitive data; detecting one or more active communication channels between the computing device and external connected devices; identifying, for each of the detected one or more active communication channels, a device identifier associated with the respective external connected device; verifying that at least one of the identified device identifiers is included in the one or more stored device identifiers; and transmitting the sensitive data after the verification.Type: GrantFiled: January 29, 2019Date of Patent: April 18, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Nishant Maheshwari, Shreya Mittal, Shubham Bijawat
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Patent number: 11468444Abstract: A method for transaction initiation with a bypass of merchant systems includes: storing a consumer public key and a blockchain comprised of a plurality of blocks, each block being comprised of a block header and data values, each block header including a block timestamp, and each data value including a unique transaction identifier; receiving a data message originating from a merchant system including a specific transaction identifier, a transaction timestamp, and transaction data; identifying a specific data value in a specific block that includes the specific transaction identifier; verifying that the block timestamp in the specific block is within a predetermined period of time of the transaction timestamp; identifying payment credentials associated with a user transaction account corresponding to the specific data value; and initiating a payment transaction between the merchant system and the transaction account using the identified payment credentials and transaction data.Type: GrantFiled: December 18, 2017Date of Patent: October 11, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Shreya Mittal, Nishant Maheshwari, Ankur Arora
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Patent number: 11249977Abstract: A method for verified data storage via blockchain includes: storing a blockchain comprised of a plurality of blocks, each comprised of a block header and a plurality of transaction values, the block header including a timestamp; receiving a transaction notification including an entity identifier and data values; validating the data values based on a validation notification received from a verifying entity; generating a new block header comprised of a current timestamp, a block reference value, and a transaction reference value, the block reference value being generated via hashing of the block header included in a most recent block based on the timestamp, and the transaction reference value being generated via hashing of new transaction values including the data values; generating a new block comprised of the generated new block header and the new transaction values; and transmitting the new block to a node associated with the blockchain.Type: GrantFiled: March 2, 2018Date of Patent: February 15, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Manoneet Kohli, Rick Unnerstall, Ankur Arora, Shuvam Sengupta, Pulkit Gupta, Nishant Maheshwari, Shreya Mittal, Manish Kumar, Vikas Bishnoi, Shubham Bijawat, Jaipal Singh Kumawat, Navneet Kumar, Lakshmi Sushma Daggubati, Sri Chaitanya Sanaboina, Deepak Yadav
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Patent number: 11210653Abstract: A method for secure usage of a gift card via blockchain includes: storing a blockchain including a specific data value related to a gift card that includes a gift card number and a first recipient address; receiving a transfer request including the gift card number, a first digital signature, and a device identifier; verifying the first recipient address based on the first digital signature; generating a new data value comprising the gift card number, the device identifier, and a second recipient address; transmitting the generated new data value to a node associated with the blockchain; receiving a redemption request from a second computing system including the gift card number, a second digital signature, and a submitted device identifier; verifying the second recipient address and submit device identifier based on the second digital signature and the device identifier, respectively; and transmitting a result of the verification to the second computing system.Type: GrantFiled: October 26, 2017Date of Patent: December 28, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ankur Arora, Shuvam Sengupta, Nishant Maheshwari, Jaipal Singh Kumawat, Vikas Bishnoi
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Patent number: 11200606Abstract: System and method for facilitating purchase of products from a plurality of different merchants. The system includes a payment processor module that is in communication with a first e-commerce platform associated with a first merchant and a second e-commerce platform associated with a second merchant. The payment processor module is configured to receive data comprising: first product information relating to a first product to be purchased by a customer through the first e-commerce platform; and second product information relating to a second product to be purchased by the customer through the second e-commerce platform. The data is received in real-time without delay after the customer provides an indication of intent to purchase the first and the second products. The payment processor module is further configured to initiate a single transaction based on the data that is received, wherein the single transaction corresponds to the purchase of the first and the second products by the customer.Type: GrantFiled: September 11, 2018Date of Patent: December 14, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Shreya Mittal, Nishant Maheshwari, Navneet Kumar
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Patent number: 10949794Abstract: Herein disclosed is a method and system to perform product delivery interception. In one implementation, a product delivery interceptor receives, from a purchaser, a request to determine availability of a product. The product delivery interceptor identifies a recipient of the product and transmits a bid for the product for consideration by the recipient. The product delivery interceptor acquires the recipient response to the bid and conveys an instruction to reroute delivery of the product to the purchaser if the recipient response indicates acceptance of the bid.Type: GrantFiled: May 30, 2018Date of Patent: March 16, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ashutosh Kumar Gupta, Nishant Maheshwari, Ajay Nehra
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Publication number: 20200244654Abstract: A method for using the active connection of connected devices for additional security in the conveyance of sensitive data from a computing device includes: storing sensitive data; storing one or more device identifiers, wherein each device identifier is associated with a connected device separate from the computing device; receiving a user instruction requesting use of the sensitive data; detecting one or more active communication channels between the computing device and external connected devices; identifying, for each of the detected one or more active communication channels, a device identifier associated with the respective external connected device; verifying that at least one of the identified device identifiers is included in the one or more stored device identifiers; and transmitting the sensitive data after the verification.Type: ApplicationFiled: January 29, 2019Publication date: July 30, 2020Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Nishant Maheshwari, Shreya Mittal, Shubham Bijawat
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Publication number: 20190322426Abstract: A method for preventing tampering with a package includes: affixing a plurality of labels to a physical package, each label including a machine-readable code, the machine-readable code being encoded with a unique value that is unique across the machine-readable code included in each of the plurality of labels; reading, by a computing device, the machine-readable code included in each label of the plurality of affixed labels to obtain the encoded unique value; storing, in the computing device, a cryptographic key pair comprised of a public key and a private key; generating, by the computing device, a digital signature using the private key; and electronically transmitting, by the computing device, a data message to a node in a blockchain network, wherein the data message includes at least the generated digital signature, the public key, and the unique value read for each label of the plurality of labels.Type: ApplicationFiled: April 23, 2018Publication date: October 24, 2019Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Rachit Verma, Nishant Maheshwari, Gayatri Dwivedi
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Publication number: 20190188710Abstract: A method for transaction initiation with a bypass of merchant systems includes: storing a consumer public key and a blockchain comprised of a plurality of blocks, each block being comprised of a block header and data values, each block header including a block timestamp, and each data value including a unique transaction identifier; receiving a data message originating from a merchant system including a specific transaction identifier, a transaction timestamp, and transaction data; identifying a specific data value in a specific block that includes the specific transaction identifier; verifying that the block timestamp in the specific block is within a predetermined period of time of the transaction timestamp; identifying payment credentials associated with a user transaction account corresponding to the specific data value; and initiating a payment transaction between the merchant system and the transaction account using the identified payment credentials and transaction data.Type: ApplicationFiled: December 18, 2017Publication date: June 20, 2019Applicant: Mastercard International IncorporatedInventors: Shreya MITTAL, Nishant MAHESHWARI, Ankur ARORA
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Publication number: 20190164162Abstract: According to a first aspect, there is provided an identity verifier comprising: at least one processor; at least one memory including computer program code; and a communication port coupled to the processor the at least one memory and the computer program code configured to, with the at least one processor, cause the identity verifier at least to: receive, through the communication port, query information to verify an identity provided by a party requesting a financial service; extract a unique identifier of an electronic device from the query information, the electronic device used to request the financial service; calculate a probability of an accuracy of the identity verification by at least determining whether one or more databases contain a record of the unique identifier, the one or more databases storing data used to perform the identity verification; and respond, through the communication port, to the query with the calculated probability.Type: ApplicationFiled: November 16, 2018Publication date: May 30, 2019Inventors: Manish Kumar, Nishant Maheshwari, Shuvam Sengupta
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Publication number: 20190130387Abstract: A method for secure usage of a gift card via blockchain includes: storing a blockchain including a specific data value related to a gift card that includes a gift card number and a first recipient address; receiving a transfer request including the gift card number, a first digital signature, and a device identifier; verifying the first recipient address based on the first digital signature; generating a new data value comprising the gift card number, the device identifier, and a second recipient address; transmitting the generated new data value to a node associated with the blockchain; receiving a redemption request from a second computing system including the gift card number, a second digital signature, and a submitted device identifier; verifying the second recipient address and submit device identifier based on the second digital signature and the device identifier, respectively; and transmitting a result of the verification to the second computing system.Type: ApplicationFiled: October 26, 2017Publication date: May 2, 2019Applicant: Mastercard International IncorporatedInventors: Ankur ARORA, Shuvam SENGUPTA, Nishant MAHESHWARI, Jaipal Singh KUMAWAT, Vikas BISHNOI
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Publication number: 20190080376Abstract: System and method for facilitating purchase of products from a plurality of different merchants. The system includes a payment processor module that is in communication with a first e-commerce platform associated with a first merchant and a second e-commerce platform associated with a second merchant. The payment processor module is configured to receive data comprising: first product information relating to a first product to be purchased by a customer through the first e-commerce platform; and second product information relating to a second product to be purchased by the customer through the second e-commerce platform. The data is received in real-time without delay after the customer provides an indication of intent to purchase the first and the second products. The payment processor module is further configured to initiate a single transaction based on the data that is received, wherein the single transaction corresponds to the purchase of the first and the second products by the customer.Type: ApplicationFiled: September 11, 2018Publication date: March 14, 2019Applicant: Mastercard International IncorporatedInventors: Shreya Mittal, Nishant Maheshwari, Navneet Kumar
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Publication number: 20190026736Abstract: An apparatus for processing electronic signatures is provided.Type: ApplicationFiled: June 15, 2018Publication date: January 24, 2019Applicant: Mastercard International IncorporatedInventors: Nishant Maheshwari, Randhir Kumar, Manish Kumar
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Publication number: 20190020929Abstract: An apparatus for providing television content to a user is disclosed.Type: ApplicationFiled: July 12, 2018Publication date: January 17, 2019Applicant: Mastercard International IncorporatedInventors: Nishant Maheshwari, Ashutosh Kumar Gupta, Ajay Nehra
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Publication number: 20190005487Abstract: A method and system for facilitating payment card based financial transactions are provided. A server system associated with a payment network receives an input provided by a user using an electronic device. The input is capable of uniquely identifying the user. The server system is configured to retrieve information related to one or more payment cards linked with the user if the user is successfully identified using the input. Subsequent to successful identification of the user, a prompt is displayed on the electronic device for seeking selection of a payment card for executing a financial transaction from the user. The server system receives a user selection of a payment card from among the one or more payment cards and facilitates processing of the financial transaction based on the user selection of the payment card.Type: ApplicationFiled: June 15, 2018Publication date: January 3, 2019Applicant: Mastercard International IncorporatedInventors: Nishant Maheshwari, Abhishek Chaturvedi, Sonali Jain
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Publication number: 20180357629Abstract: The present disclosure generally relates to an electronic system, a computerized method, and a non-transitory computer-readable storage medium for distributed payment of a transaction between a merchant and a group of customers. Each customer has an electronic device linked to a payment instrument of the customer, and the method is implemented on a first electronic device of a first customer in the group of customers.Type: ApplicationFiled: June 12, 2018Publication date: December 13, 2018Applicant: Mastercard International IncorporatedInventors: Nishant Maheshwari, Ankur Arora, Shreya Mittal, Manish Kumar
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Publication number: 20180349851Abstract: Herein disclosed is a method and system to perform product delivery interception. In one implementation, a product delivery interceptor receives, from a purchaser, a request to determine availability of a product. The product delivery interceptor identifies a recipient of the product and transmits a bid for the product for consideration by the recipient. The product delivery interceptor acquires the recipient response to the bid and conveys an instruction to reroute delivery of the product to the purchaser if the recipient response indicates acceptance of the bid.Type: ApplicationFiled: May 30, 2018Publication date: December 6, 2018Applicant: Mastercard International IncorporatedInventors: Ashutosh Kumar Gupta, Nishant Maheshwari, Ajay Nehra
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Publication number: 20180285945Abstract: Systems and methods herein are suitable for use in providing experience profile scores for reviewers in connection with reviews submitted by the reviewers. One exemplary method includes receiving a request from a review forum for an experience profile score for a consumer. The request includes a subject of a review associated with the consumer and a device identifier associated with the consumer and/or associated with a communication device of the consumer. The method also includes compiling data associated with the device identifier where the data includes transaction data and at least one of social network content associated with the consumer and media content associated with the consumer, generating the experience profile score for the consumer in response to the request based on the compiled data, and distributing the experience profile score to the review forum for posting in connection with the review.Type: ApplicationFiled: March 30, 2017Publication date: October 4, 2018Inventors: Ashutosh Kumar Gupta, Ajay Nehra, Nishant Maheshwari