Patents by Inventor Puneet Bhalla

Puneet Bhalla 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).

  • Method for generating and updating alternate security codes for payment cards
    Patent number: 10078840
    Abstract: An auxiliary security code called a CVC2a is generated to replace a CVC2 value that is presented on a payment card for verifying card-not-present (CNP) transactions without necessarily generating a replacement card. An enhanced card table/file is maintained by a payment network operator to facilitate transitional scenarios in which the payment cards are reissued or replaced.
    Type: Grant
    Filed: April 8, 2015
    Date of Patent: September 18, 2018
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Michael Powell, Joan Rohlfing, Alex Inovenkov, Rodney Pye, Puneet Bhalla, David Gilliland
  • METHOD FOR GENERATING AND UPDATING ALTERNATE SECURITY CODES FOR PAYMENT CARDS
    Publication number: 20150310439
    Abstract: An auxiliary security code called a CVC2a is generated to replace a CVC2 value that is presented on a payment card for verifying card-not-present (CNP) transactions without necessarily generating a replacement card. An enhanced card table/file is maintained by a payment network operator to facilitate transitional scenarios in which the payment cards are reissued or replaced.
    Type: Application
    Filed: April 8, 2015
    Publication date: October 29, 2015
    Applicant: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Michael Powell, Joan Rohlfing, Alex Inovenkov, Rodney Pye, Puneet Bhalla, David Gilliland