Patents by Inventor Pinesh Roy

Pinesh Roy 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).

  • Publication number: 20230120485
    Abstract: The present embodiments relate to systems and methods for token-for-token provisioning. A server computer can receive a message from a second token requestor. The message can include a request for a second token and can include a first token or the message can include a cryptogram request message. The server computer can transmit a provisioning request message to an authorizing entity computer requesting an authentication of a credential and receive a provisioning response message from the authorizing entity computer authenticating the credential. Any of the server computer or the authorizing entity computer can generate the second token. The server computer can provide the second token to a second token requestor for use in a recurring transaction. The first token and the second token can both be associated with a credential.
    Type: Application
    Filed: April 30, 2021
    Publication date: April 20, 2023
    Applicant: Visa International Service Association
    Inventors: Ramesh Shankar, Anjana Surin, Sayeed Mohammed, Pinesh Roy
  • Publication number: 20220376914
    Abstract: A method is disclosed. The method includes transmitting, to a token service computer, a request message comprising a token requestor identifier associated with the token requestor and a service provider computer identifier associated with the service provider computer. The method also includes receiving a response message comprising the token and/or a cryptogram, generating an authorization request message comprising the token and the cryptogram, and transmitting the authorization request message to a processing computer in communication with a token service computer.
    Type: Application
    Filed: December 11, 2020
    Publication date: November 24, 2022
    Inventors: Raul Leyva, Pinesh Roy
  • Publication number: 20210344672
    Abstract: Systems and methods are provided to enable a user to conduct a transaction using their credentials stored on a secure server computer (e.g., a computer associated with a partner such as another merchant) by merely presenting their authentication data at a physical location via an auxiliary device. An auxiliary device may be provided for interfacing with a partners backend server (e.g., the secure server computer). In some embodiments, biometric authentication may provide a mechanism for a true seamless and potentially frictionless (in the case of modalities that do not require physical contact) interaction. Payment can occur without any need for a card, phone, wearable, or any other user device as long as the auxiliary device is able to recognize the user and retrieve a credential that can be linked to that user.
    Type: Application
    Filed: October 8, 2019
    Publication date: November 4, 2021
    Inventors: Kyle Joseph Drechsler, Christopher Jones, Gayathri Venkat, Gavin Shenker, Raul Leyva, Janardana Sarma, Phillip Lavender, Leila Movahedian, Pinesh Roy, Eduardo Lopez