Patents by Inventor PRASANNA LAXMINARAYANAN
PRASANNA LAXMINARAYANAN 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: 9978062Abstract: 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 15, 2014Date of Patent: May 22, 2018Assignee: Visa International Service AssociationInventors: Thanigaivel Ashwin Raj, Christian Flurscheim, Kaushik Subramanian, Bradley Greene, Prasanna Laxminarayanan
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Publication number: 20170316401Abstract: Embodiments of the invention provide for facilitating a transaction using a communication device associated with a user. Certain embodiments allow for provisioning a communication device for use with an enhanced primary account identifier. The enhanced primary account identifier includes a primary account identifier (PAI) and a primary account identifier sequence number (PSI). The PSI is unique to the communication device and may be de-provisioned if the communication device is lost or stolen. A replacement communication device may be provisioned for use with a newly generated unique PSI without having to generate a new PAI.Type: ApplicationFiled: July 17, 2017Publication date: November 2, 2017Inventors: Prasanna Laxminarayanan, John Sheets, Glenn L. Powell
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Publication number: 20170200165Abstract: 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: March 28, 2017Publication date: July 13, 2017Inventors: Prasanna LAXMINARAYANAN, Phillip KUMNICK, Madhu VASU
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Publication number: 20170163617Abstract: 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: December 2, 2016Publication date: June 8, 2017Inventors: Prasanna LAXMINARAYANAN, Phillip KUMNICK, Madhu VASU
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Publication number: 20160301683Abstract: 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: April 8, 2016Publication date: October 13, 2016Inventors: Prasanna Laxminarayanan, Ramji Sethuraman
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Publication number: 20160292686Abstract: Authentication systems and methods are provided for credential activation and/or provisioning. A transaction is made by a transaction processor to a user's credential account that contains a value and an activation code. The user retrieves the activation code from his or her account and provides it to the transaction processor. If the activation codes match, the credential may be activated.Type: ApplicationFiled: March 31, 2016Publication date: October 6, 2016Inventors: Prasanna Laxminarayanan, Simon Law, Anjana Surin, Erick Wong
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Publication number: 20160119296Abstract: Embodiments of the invention are directed to methods, apparatuses, computer readable media and systems for providing a token service environment that allows a token requesting party (e.g. token requestor) to specify parameters for token generation for controlling and customizing the token generation process. For example, the token requesting party may specify (e.g. select from a list or provide a list of) the accounts for tokenization. The accounts may be identified by account identifiers (e.g. account numbers) or bank identification numbers (BINs). The token requesting party may also specify encryption keys for the tokens to be generated. The token requesting party may also specify additional parameters such as notification thresholds indicating when notifications associated with the tokens are to be generated.Type: ApplicationFiled: October 22, 2015Publication date: April 28, 2016Inventors: Prasanna Laxminarayanan, Karthikeyan Palanisamy, Ramji Sethuraman
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Publication number: 20150199679Abstract: An issuer computer may store a primary account number, and may generate a series of first payment tokens for a plurality of payment devices used by a consumer. The issuer computer may then provide the first payment tokens to a payment processing server computer. The payment processing server computer may then generate a plurality of second payment tokens corresponding to the first payment tokens. The second payment tokens may then be provisioned onto the consumer's payment devices.Type: ApplicationFiled: January 13, 2015Publication date: July 16, 2015Inventors: Karthikeyan Palanisamy, Glenn Powell, Prasanna Laxminarayanan
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Publication number: 20150046338Abstract: 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: August 8, 2014Publication date: February 12, 2015Inventors: PRASANNA LAXMINARAYANAN, Glenn Powell, John Sheets, Paul Tait, Andrew Carpenter
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Publication number: 20150032626Abstract: 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: July 24, 2014Publication date: January 29, 2015Inventors: Matthew Dill, Prasanna Laxminarayanan, Glenn Powell, John Sheets, Andrew Carpenter
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Publication number: 20150032625Abstract: Systems and methods for communicating risk using token assurance data 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. An authorization request message can include a token assurance level code that is indicative of a token assurance level associated with a generated token. External or internal entities may use the token assurance level to evaluate risk associated with a payment transaction that uses the token.Type: ApplicationFiled: July 24, 2014Publication date: January 29, 2015Inventors: Matthew DILL, Prasanna LAXMINARAYANAN, Glenn POWELL, John F. SHEETS
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Publication number: 20150032627Abstract: 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: July 24, 2014Publication date: January 29, 2015Inventors: Matthew Dill, Prasanna Laxminarayanan, Glenn Powell, John Sheets, Andrew Carpenter
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Publication number: 20140344153Abstract: 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 15, 2014Publication date: November 20, 2014Inventors: Thanigaivel Ashwin Raj, Christian Flurscheim, Kaushik Subramanian, Bradley Greene, Prasanna Laxminarayanan
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Publication number: 20140330722Abstract: Embodiments of the invention provide for facilitating a transaction using a communication device associated with a user. Certain embodiments allow for provisioning a communication device for use with an enhanced primary account identifier. The enhanced primary account identifier includes a primary account identifier (PAI) and a primary account identifier sequence number (PSI). The PSI is unique to the communication device and may be de-provisioned if the communication device is lost or stolen. A replacement communication device may be provisioned for use with a newly gemerated unique PSI without having to generate a new PAI.Type: ApplicationFiled: May 2, 2014Publication date: November 6, 2014Inventors: Prasanna Laxminarayanan, Jose F. Sheets, Glenn L. Powell
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Patent number: 8612388Abstract: A file monitoring system tracks progress of data processing of a data file. Various applications and systems transmit status updates at one or more stages of processing to the file monitoring system. The file monitoring system monitors the status updates and generates reports displaying the status of the date file at the predetermined processing states. Reports include end to end status, files received and files delivered.Type: GrantFiled: September 30, 2009Date of Patent: December 17, 2013Assignee: Visa USA, Inc.Inventor: Prasanna Laxminarayanan
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Publication number: 20130325722Abstract: The methods and systems described herein include a data gateway adapted to automate payment reconciliation between a buyer and a supplier of goods and services. The data gateway can be configured to receive and validate payment instructions for one or more payment transactions between the buyer and the supplier to select a payment method based on the payment instructions. Transaction request messages are generated and transmitted to a payment processing network or a payment transfer system associated with the selected payment method. A payment reconciliation message can then be generated and transmitted by the data gateway to a buyer adapter associated with a buyer computer system and a supplier adapter associated with a supplier computer system when the data gateway receives payment authorization from the payment processing network or payment transfer system.Type: ApplicationFiled: May 29, 2013Publication date: December 5, 2013Inventors: Inder Mohan, Prasanna Laxminarayanan
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Publication number: 20100083057Abstract: A file monitoring system tracks progress of data processing of a data file. Various applications and systems transmit status updates at one or more stages of processing to the file monitoring system. The file monitoring system monitors the status updates and generates reports displaying the status of the data file at the predetermined processing states. Reports include end to end status, files received and files delivered.Type: ApplicationFiled: September 30, 2009Publication date: April 1, 2010Applicant: VISA USA, INC.Inventor: PRASANNA LAXMINARAYANAN