Patents by Inventor Prasad Krishnamoorthy Rao

Prasad Krishnamoorthy Rao 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: 20220277303
    Abstract: A method includes receiving a request to verify a dynamic security code included in a transaction authorization request message. The transaction authorization request message was generated in connection with a payment account transaction. The method further includes performing a verification process with respect to the dynamic security code to generate a verification result. In addition, the transaction authorization request message may be modified by adding the verification result to the transaction authorization request message. Also, the modified transaction authorization request message may be transmitted to an issuer of a payment account designated for use in the payment account transaction.
    Type: Application
    Filed: May 23, 2022
    Publication date: September 1, 2022
    Inventors: Maribeth Sevigny Warner, Pete Kaulbach, Robert C Dunnell, Robert J McDonald, Kathy Donnelly, Thomas Roewe, Ghassan T Jabr, Michael Hochhalter, Russell W Ball, Winifred Elizabeth House, Prasad Krishnamoorthy Rao, Matthew Hanmer, Nora Kryza
  • Patent number: 11341494
    Abstract: A method includes receiving a request to verify a dynamic security code included in a transaction authorization request message. The transaction authorization request message was generated in connection with a payment account transaction. The method further includes performing a verification process with respect to the dynamic security code to generate a verification result. In addition, the transaction authorization request message may be modified by adding the verification result to the transaction authorization request message. Also, the modified transaction authorization request message may be transmitted to an issuer of a payment account designated for use in the payment account transaction.
    Type: Grant
    Filed: August 17, 2020
    Date of Patent: May 24, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Maribeth Sevigny Warner, Pete Kaulbach, Robert C Dunnell, Robert J McDonald, Kathy Donnelly, Thomas Roewe, Ghassan T Jabr, Michael Hochhalter, Russell W Ball, Winifred Elizabeth House, Prasad Krishnamoorthy Rao, Matthew Hanmer, Nora Kryza
  • Patent number: 11222341
    Abstract: A rules engine for applying rules from a reviewing network to data signals from an originating network is described. The rules engine includes a processor coupled to a memory device. The rules engine is coupled to the reviewing network, and is configured to receive an authorization data signal from the originating network. The authorization data signal includes authorization data for at least one transaction that has been processed by the originating network. The originating network and the reviewing network are payment networks. Additionally, the rules engine generates an authorization response data signal that includes authorization response data by comparing the authorization data to the rules stored in the memory device. The authorization response data indicates whether the reviewing network authorizes or declines the at least one transaction included in the authorization data. The rules engine transmits the clearance response data signal to the originating network.
    Type: Grant
    Filed: September 27, 2019
    Date of Patent: January 11, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Prasad Krishnamoorthy Rao, Jeffrey A. Bond, Russell W. Ball
  • Publication number: 20200380515
    Abstract: A method includes receiving a request to verify a dynamic security code included in a transaction authorization request message. The transaction authorization request message was generated in connection with a payment account transaction. The method further includes performing a verification process with respect to the dynamic security code to generate a verification result. In addition, the transaction authorization request message may be modified by adding the verification result to the transaction authorization request message. Also, the modified transaction authorization request message may be transmitted to an issuer of a payment account designated for use in the payment account transaction.
    Type: Application
    Filed: August 17, 2020
    Publication date: December 3, 2020
    Inventors: Maribeth Sevigny Warner, Pete Kaulbach, Robert C. Dunnell, Robert J. McDonald, Kathy Donnelly, Thomas Roewe, Ghassan T. Jabr, Michael Hochhalter, Russell W. Ball, Winifred Elizabeth House, Prasad Krishnamoorthy Rao, Matthew Hanmer, Nora Kryza
  • Publication number: 20200027086
    Abstract: A rules engine for applying rules from a reviewing network to data signals from an originating network is described. The rules engine includes a processor coupled to a memory device. The rules engine is coupled to the reviewing network, and is configured to receive an authorization data signal from the originating network. The authorization data signal includes authorization data for at least one transaction that has been processed by the originating network. The originating network and the reviewing network are payment networks. Additionally, the rules engine generates an authorization response data signal that includes authorization response data by comparing the authorization data to the rules stored in the memory device. The authorization response data indicates whether the reviewing network authorizes or declines the at least one transaction included in the authorization data. The rules engine transmits the clearance response data signal to the originating network.
    Type: Application
    Filed: September 27, 2019
    Publication date: January 23, 2020
    Inventors: Prasad Krishnamoorthy Rao, Jeffrey A. Bond, Russell W. Ball
  • Patent number: 10430795
    Abstract: A rules engine for applying rules from a reviewing network to data signals from an originating network is described. The rules engine includes a processor coupled to a memory device. The rules engine is coupled to the reviewing network, and is configured to receive an authorization data signal from the originating network. The authorization data signal includes authorization data for at least one transaction that has been processed by the originating network. The originating network and the reviewing network are payment networks. Additionally, the rules engine generates an authorization response data signal that includes authorization response data by comparing the authorization data to the rules stored in the memory device. The authorization response data indicates whether the reviewing network authorizes or declines the at least one transaction included in the authorization data. The rules engine transmits the clearance response data signal to the originating network.
    Type: Grant
    Filed: November 18, 2015
    Date of Patent: October 1, 2019
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Prasad Krishnamoorthy Rao, Jeffrey A. Bond, Russell W. Ball
  • Publication number: 20170169426
    Abstract: A method includes receiving a request to verify a dynamic security code included in a transaction authorization request message. The transaction authorization request message was generated in connection with a payment account transaction. The method further includes performing a verification process with respect to the dynamic security code to generate a verification result. In addition, the transaction authorization request message may be modified by adding the verification result to the transaction authorization request message. Also, the modified transaction authorization request message may be transmitted to an issuer of a payment account designated for use in the payment account transaction.
    Type: Application
    Filed: January 27, 2016
    Publication date: June 15, 2017
    Inventors: Maribeth Sevigny Warner, Pete Kaulbach, Robert C. Dunnell, Robert J. McDonald, Kathy Donnelly, Thomas Roewe, Ghassan T. Jabr, Michael Hochhalter, Russell W. Ball, Winifred Elizabeth House, Prasad Krishnamoorthy Rao, Matthew Hanmer, Nora Kryza
  • Publication number: 20170140378
    Abstract: A rules engine for applying rules from a reviewing network to data signals from an originating network is described. The rules engine includes a processor coupled to a memory device. The rules engine is coupled to the reviewing network, and is configured to receive an authorization data signal from the originating network. The authorization data signal includes authorization data for at least one transaction that has been processed by the originating network. The originating network and the reviewing network are payment networks. Additionally, the rules engine generates an authorization response data signal that includes authorization response data by comparing the authorization data to the rules stored in the memory device. The authorization response data indicates whether the reviewing network authorizes or declines the at least one transaction included in the authorization data. The rules engine transmits the clearance response data signal to the originating network.
    Type: Application
    Filed: November 18, 2015
    Publication date: May 18, 2017
    Inventors: Prasad Krishnamoorthy Rao, Jeffrey A. Bond, Russell W. Ball