Patents by Inventor Prasanna L. Narayan
Prasanna L. Narayan 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: 11915235Abstract: Systems and methods for interoperable network token processing are provided. A network token system provides a platform that can be leveraged by external entities (e.g., third party wallets, e-commerce merchants, payment enablers/payment service providers, etc.) or internal payment processing network systems that have the need to use the tokens to facilitate payment transactions. A token registry vault can provide interfaces for various token requestors (e.g., mobile device, issuers, merchants, mobile wallet providers, etc.), merchants, acquirers, issuers, and payment processing network systems to request generation, use and management of tokens. The network token system further provides services such as card registration, token generation, token issuance, token authentication and activation, token exchange, and token life-cycle management.Type: GrantFiled: September 14, 2020Date of Patent: February 27, 2024Assignee: Visa International Service AssociationInventors: Matthew Dill, Prasanna L. Narayan, Glenn Powell, John Sheets, Andrew Carpenter
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Patent number: 11861607Abstract: Embodiments of the present invention relate to systems and methods for implementing a mobile tokenization hub with a common tokenization capabilities (CTC) module that may provide tokenization for various entities in various contexts. For example, the CTC module can provide and store tokens for mobile payment transactions, transit transactions, digital wallet applications, merchant point of sale (POS) applications, personalization services, and the like.Type: GrantFiled: May 9, 2022Date of Patent: January 2, 2024Assignee: Visa International Service AssociationInventors: Thanigaivel Ashwin Raj, Christian Flurscheim, Kaushik Subramanian, Bradley Greene, Prasanna L. Narayan
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Publication number: 20230267455Abstract: Systems, apparatuses, and methods are provided for enabling a transaction using a token associated with a first payment network to be conducted using a second payment network. When a transaction using a token is submitted to a payment network, the payment network can determine the payment network associated with the token. If the token is associated with a second payment network, a token verification request including the token can be sent to the second payment network. The second payment network can then return a token verification response including a primary account identifier such as a primary account number (PAN) corresponding to the token and a validation result. The transaction may then be processed using the primary account identifier.Type: ApplicationFiled: May 1, 2023Publication date: August 24, 2023Applicant: Visa International Service AssociationInventors: Prasanna L. Narayan, Glenn Powell, John Sheets, Paul Tait, Andrew Carpenter
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Patent number: 11676138Abstract: Systems, apparatuses, and methods are provided for enabling a transaction using a token associated with a first payment network to be conducted using a second payment network. When a transaction using a token is submitted to a payment network, the payment network can determine the payment network associated with the token. If the token is associated with a second payment network, a token verification request including the token can be sent to the second payment network. The second payment network can then return a token verification response including a primary account identifier such as a primary account number (PAN) corresponding to the token and a validation result. The transaction may then be processed using the primary account identifier.Type: GrantFiled: October 2, 2019Date of Patent: June 13, 2023Assignee: Visa International Service AssociationInventors: Prasanna L Narayan, Glenn Powell, John Sheets, Paul Tait, Andrew Carpenter
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Patent number: 11568373Abstract: A facility for facilitating payments from a client to a freelancer is described. The facility provides a mobile app enabling the freelancer to open an account and solicit payments by clients. In response, each client can use any of a variety of forms of electronic payments to pay into the account. The freelancer can use a debit card issued for the account to spend or withdraw payments made into the account, and can use the app to track requests for payment, payments, client activity, and spending and withdrawals from the account.Type: GrantFiled: June 30, 2021Date of Patent: January 31, 2023Assignee: Giga TechnologiesInventors: Prasanna L. Narayan, Amarinder Bansal
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Publication number: 20220391863Abstract: A facility for facilitating payments from a client to a freelancer is described. The facility provides a mobile app enabling the freelancer to open an account and solicit payments by clients. In response, each client can use any of a variety of forms of electronic payments to pay into the account. The freelancer can use a debit card issued for the account to spend or withdraw payments made into the account, and can use the app to track requests for payment, payments, client activity, and spending and withdrawals from the account.Type: ApplicationFiled: June 30, 2021Publication date: December 8, 2022Inventors: Prasanna L. Narayan, Amarinder Bansal
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Publication number: 20220270086Abstract: Embodiments of the present invention relate to systems and methods for implementing a mobile tokenization hub with a common tokenization capabilities (CTC) module that may provide tokenization for various entities in various contexts. For example, the CTC module can provide and store tokens for mobile payment transactions, transit transactions, digital wallet applications, merchant point of sale (POS) applications, personalization services, and the like.Type: ApplicationFiled: May 9, 2022Publication date: August 25, 2022Inventors: Thanigaivel Ashwin Raj, Christian Flurscheim, Kaushik Subramanian, Bradley Greene, Prasanna L. Narayan
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Publication number: 20220172199Abstract: Systems and methods for interoperable network token processing are provided. A network token system provides a platform that can be leveraged by external entities (e.g., third party wallets, e-commerce merchants, payment enablers/payment service providers, etc.) or internal payment processing network systems that have the need to use the tokens to facilitate payment transactions. A token registry vault can provide interfaces for various token requestors (e.g., mobile device, issuers, merchants, mobile wallet providers, etc.), merchants, acquirers, issuers, and payment processing network systems to request generation, use and management of tokens. The network token system further provides services such as card registration, token generation, token issuance, token authentication and activation, token exchange, and token life-cycle management.Type: ApplicationFiled: February 18, 2022Publication date: June 2, 2022Inventors: Matthew Dill, Prasanna L. Narayan, Glenn Powell, John Sheets, Andrew Carpenter
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Patent number: 11341491Abstract: Embodiments of the present invention relate to systems and methods for implementing a mobile tokenization hub with a common tokenization capabilities (CTC) module that may provide tokenization for various entities in various contexts. For example, the CTC module can provide and store tokens for mobile payment transactions, transit transactions, digital wallet applications, merchant point of sale (POS) applications, personalization services, and the like.Type: GrantFiled: April 19, 2018Date of Patent: May 24, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Thanigaivel Ashwin Raj, Christian Flurscheim, Kaushik Subramanian, Bradley Greene, Prasanna L. Narayan
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Publication number: 20220150236Abstract: This disclosure includes utilizing a token cryptogram with a browser to facilitate a transaction. A webpage of a website is configured to accept a token cryptogram in fields of the webpage. The webpage of the website may indicate that it is token-aware and is configured to accept the token cryptograms.Type: ApplicationFiled: January 27, 2022Publication date: May 12, 2022Inventors: Prasanna L. Narayan, Ramji Sethuraman
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Patent number: 11271921Abstract: This disclosure includes utilizing a token cryptogram with a browser to facilitate a transaction. A webpage of a website is configured to accept a token cryptogram in fields of the webpage. The webpage of the website may indicate that it is token-aware and is configured to accept the token cryptograms.Type: GrantFiled: May 1, 2019Date of Patent: March 8, 2022Assignee: Visa International Service AssociationInventors: Prasanna L. Narayan, Ramji Sethuraman
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Patent number: 11127016Abstract: A method for tokenizing credentials is disclosed. In addition to a token, a verification value can be provided for each interaction. The verification value can be generated based at least in part on a dynamic data element. The dynamic data element may be kept secret, while the verification value can be distributed for use during an interaction. When the verification value is used, it can be validated by re-creating the verification value based at least on the stored dynamic data element.Type: GrantFiled: April 14, 2020Date of Patent: September 21, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Prasanna L. Narayan, Phillip Kumnick, Madhu Vasu
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Patent number: 11093936Abstract: Systems and methods for interoperable network token processing are provided. A network token system provides a platform that can be leveraged by external entities (e.g., third party wallets, e-commerce merchants, payment enablers/payment service providers, etc.) or internal payment processing network systems that have the need to use the tokens to facilitate payment transactions. A token registry vault can provide interfaces for various token requestors (e.g., mobile device, issuers, merchants, mobile wallet providers, etc.), merchants, acquirers, issuers, and payment processing network systems to request generation, use and management of tokens. The network token system further provides services such as card registration, token generation, token issuance, token authentication and activation, token exchange, and token life-cycle management.Type: GrantFiled: May 8, 2018Date of Patent: August 17, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Matthew Dill, Prasanna L. Narayan, Glenn Powell, John Sheets, Andrew Carpenter
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Publication number: 20200410483Abstract: Systems and methods for interoperable network token processing are provided. A network token system provides a platform that can be leveraged by external entities (e.g., third party wallets, e-commerce merchants, payment enablers/payment service providers, etc.) or internal payment processing network systems that have the need to use the tokens to facilitate payment transactions. A token registry vault can provide interfaces for various token requestors (e.g., mobile device, issuers, merchants, mobile wallet providers, etc.), merchants, acquirers, issuers, and payment processing network systems to request generation, use and management of tokens. The network token system further provides services such as card registration, token generation, token issuance, token authentication and activation, token exchange, and token life-cycle management.Type: ApplicationFiled: September 14, 2020Publication date: December 31, 2020Inventors: Matthew Dill, Prasanna L. Narayan, Glenn Powell, John Sheets, Andrew Carpenter
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Publication number: 20200273031Abstract: Disclosed are systems and methods for providing secure end-to-end transactions between consumers, merchants, and banks. A unique identifier is generated based on information specific to the device and information specific to the user and stored in a secure area of a device. A programming module executing on the device may initiate a transaction and interact with a merchant system to complete the transaction. Information provided by the programming module may enable the merchant system to negotiate with a banking system to complete the transaction. Profile information of a user may be collected by a programming module according to user selected preferences. An interface system may provide visual content to a merchant system and a banking system to verify consumer identity.Type: ApplicationFiled: February 25, 2020Publication date: August 27, 2020Inventors: Prasanna L. Narayan, Madhu Vasu, Amarinder Bansal
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Publication number: 20200273032Abstract: A method for tokenizing credentials is disclosed. In addition to a token, a verification value can be provided for each interaction. The verification value can be generated based at least in part on a dynamic data element. The dynamic data element may be kept secret, while the verification value can be distributed for use during an interaction. When the verification value is used, it can be validated by re-creating the verification value based at least on the stored dynamic data element.Type: ApplicationFiled: April 14, 2020Publication date: August 27, 2020Inventors: Prasanna L. Narayan, Phillip Kumnick, Madhu Vasu
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Patent number: 10664843Abstract: A method for tokenizing credentials is disclosed. In addition to a token, a verification value can be provided for each interaction. The verification value can be generated based at least in part on a dynamic data element. The dynamic data element may be kept secret, while the verification value can be distributed for use during an interaction. When the verification value is used, it can be validated by re-creating the verification value based at least on the stored dynamic data element.Type: GrantFiled: December 2, 2016Date of Patent: May 26, 2020Assignee: Visa International Service AssociationInventors: Prasanna L. Narayan, Phillip Kumnick, Madhu Vasu
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Patent number: 10664844Abstract: A method for tokenizing credentials is disclosed. In addition to a token, a verification value can be provided for each interaction. The verification value can be generated based at least in part on a dynamic data element. The dynamic data element may be kept secret, while the verification value can be distributed for use during an interaction. When the verification value is used, it can be validated by re-creating the verification value based at least on the stored dynamic data element.Type: GrantFiled: March 28, 2017Date of Patent: May 26, 2020Assignee: Visa International Service AssociationInventors: Prasanna L. Narayan, Phillip Kumnick, Madhu Vasu
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Publication number: 20200034837Abstract: Systems, apparatuses, and methods are provided for enabling a transaction using a token associated with a first payment network to be conducted using a second payment network. When a transaction using a token is submitted to a payment network, the payment network can determine the payment network associated with the token. If the token is associated with a second payment network, a token verification request including the token can be sent to the second payment network. The second payment network can then return a token verification response including a primary account identifier such as a primary account number (PAN) corresponding to the token and a validation result. The transaction may then be processed using the primary account identifier.Type: ApplicationFiled: October 2, 2019Publication date: January 30, 2020Inventors: Prasanna L Narayan, Glenn Powell, John Sheets, Paul Tait, Andrew Carpenter
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Patent number: 10496986Abstract: Methods are provided for enabling a transaction using a token associated with a first payment network to be conducted using a second payment network. When a transaction using a token is submitted to a payment network, the payment network can determine the payment network associated with the token. If the token is associated with a second payment network, a token verification request including the token can be sent to the second payment network. The second payment network can then return a token verification response including a primary account identifier such as a primary account number (PAN) corresponding to the token and a validation result. The transaction may then be processed using the primary account identifier.Type: GrantFiled: August 8, 2014Date of Patent: December 3, 2019Assignee: Visa International Service AssociationInventors: Prasanna L. Narayan, Glenn Powell, John Sheets, Paul Tait, Andrew Carpenter