Patents by Inventor Rajesh G. Shakkarwar

Rajesh G. Shakkarwar 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).

  • Patent number: 10255597
    Abstract: A method for generating a personal identification number (PIN) debit child product for use in performing a debit payment transaction with a merchant entity. A payment processing platform receives a user selection of a financial institution made via a merchant payment page and directs the user to authenticate a user identity with the financial institution. The payment processing platform receives a user selection of a core account held with the financial institution, such that the core account provides financial backing for the child product. The child product is generated that includes a child card number and a virtual PIN associated with the core account. Advantageously, the method provides the ability to make PIN debit transaction on the Internet.
    Type: Grant
    Filed: June 20, 2016
    Date of Patent: April 9, 2019
    Assignee: VERIENT INC.
    Inventor: Rajesh G. Shakkarwar
  • Publication number: 20180240105
    Abstract: A method for generating and distributing a plurality of financial child products to a group of recipients that can then be used for payment transactions by each recipient. The method includes receiving a selection of a core account that provides financial backing for the financial child products, and receiving a list of recipients that defines the group of recipients to which the financial child products are distributed. The method further includes generating the financial child products, where each financial child product is structured with one or more control parameters that define user restrictions for the financial child product, and causing the financial child products to be distributed to at least one recipient included in the list of recipients.
    Type: Application
    Filed: April 23, 2018
    Publication date: August 23, 2018
    Inventor: Rajesh G. Shakkarwar
  • Patent number: 9953313
    Abstract: A method for generating and distributing a plurality of financial child products to a group of recipients that can then be used for payment transactions by each recipient. The method includes receiving a selection of a core account that provides financial backing for the financial child products, and receiving a list of recipients that defines the group of recipients to which the financial child products are distributed. The method further includes generating the financial child products, where each financial child product is structured with one or more control parameters that define user restrictions for the financial child product, and causing the financial child products to be distributed to at least one recipient included in the list of recipients.
    Type: Grant
    Filed: September 21, 2010
    Date of Patent: April 24, 2018
    Assignee: VERIENT, INC.
    Inventor: Rajesh G. Shakkarwar
  • Publication number: 20170372428
    Abstract: A computer-implemented method for generating a financial product that is configured to be used for one or more payment transactions. The method includes receiving a selection of a plurality of core accounts for providing financial backing for the financial product, and generating the financial product based on one or more control parameters that define use restrictions for the financial product.
    Type: Application
    Filed: August 18, 2017
    Publication date: December 28, 2017
    Inventor: Rajesh G. SHAKKARWAR
  • Patent number: 9741077
    Abstract: A computer-implemented method for generating a financial product that is configured to be used for one or more payment transactions. The method includes receiving a selection of a plurality of core accounts for providing financial backing for the financial product, and generating the financial product based on one or more control parameters that define use restrictions for the financial product.
    Type: Grant
    Filed: January 21, 2011
    Date of Patent: August 22, 2017
    Assignee: VERIENT, INC.
    Inventor: Rajesh G. Shakkarwar
  • Patent number: 9426134
    Abstract: A computer security system used to identify and authenticate a user. In one aspect, a method for identifying and authenticating a user is provided. The method includes establishing a trust between a server machine and an agent on a user machine. The method further includes establishing a session key to encrypt communications between the server machine and the agent. The method also includes receiving a username and password for use in validating the user. Additionally, the method includes creating an executable binary for the extraction of device data from the user machine to uniquely identify the machine. In another aspect, a computer-readable medium including a set of instructions that when executed by a processor causes the processor to identify and authenticate the user is provided. In a further aspect, a system for identifying and authenticating a user is provided.
    Type: Grant
    Filed: January 27, 2014
    Date of Patent: August 23, 2016
    Assignee: VERIENT, INC.
    Inventor: Rajesh G. Shakkarwar
  • Patent number: 9373141
    Abstract: A computer-implemented method for automatically populating fields of an online webpage. The method includes inserting a code segment into a first webpage that is configured to populate fields included in the first webpage with received data, where the first webpage is displayed on a display device in a web browser application executing on a computer system; receiving data from a second webpage; and executing the code segment to populate the fields based on the received data.
    Type: Grant
    Filed: September 22, 2010
    Date of Patent: June 21, 2016
    Assignee: VERIENT, INC.
    Inventor: Rajesh G. Shakkarwar
  • Patent number: 9251538
    Abstract: A computer-implemented method for automatically populating fields of a webpage. The method includes transmitting data from a browser add-on installed in a second webpage to a code segment inserted in a first webpage, where the code segment is configured to populate one or more fields included in the first webpage with received data, where the browser add-on is not installed in the first webpage, and where the first webpage is displayed on a display device in a web browser application executing on a computer system; and executing the code segment to populate the fields included in the first webpage with the received data.
    Type: Grant
    Filed: September 22, 2010
    Date of Patent: February 2, 2016
    Assignee: VERIENT INC
    Inventor: Rajesh G. Shakkarwar
  • Publication number: 20150006406
    Abstract: A method for generating a personal identification number (PIN) debit child product for use in performing a debit payment transaction with a merchant entity. A payment processing platform receives a user selection of a financial institution made via a merchant payment page and directs the user to authenticate a user identity with the financial institution. The payment processing platform receives a user selection of a core account held with the financial institution, such that the core account provides financial backing for the PIN debit child product. The PIN debit child product is generated that includes a child card number and a virtual PIN associated with the core account. Advantageously, the method provides the ability to make PIN debit transaction on the Internet.
    Type: Application
    Filed: July 8, 2014
    Publication date: January 1, 2015
    Inventor: Rajesh G. SHAKKARWAR
  • Patent number: 8862509
    Abstract: A method for generating a personal identification number (PIN) debit child product for use in performing a debit payment transaction with a merchant entity. A payment processing platform receives a user selection of a financial institution made via a merchant payment page and directs the user to authenticate a user identity with the financial institution. The payment processing platform receives a user selection of a core account held with the financial institution, such that the core account provides financial backing for the PIN debit child product. The PIN debit child product is generated that includes a child card number and a virtual PIN associated with the core account. Advantageously, the method provides the ability to make PIN debit transaction on the Internet.
    Type: Grant
    Filed: May 9, 2008
    Date of Patent: October 14, 2014
    Inventor: Rajesh G. Shakkarwar
  • Publication number: 20140237240
    Abstract: A computer security system used to identify and authenticate a user. In one aspect, a method for identifying and authenticating a user is provided. The method includes establishing a trust between a server machine and an agent on a user machine. The method further includes establishing a session key to encrypt communications between the server machine and the agent. The method also includes receiving a username and password for use in validating the user. Additionally, the method includes creating an executable binary for the extraction of device data from the user machine to uniquely identify the machine. In another aspect, a computer-readable medium including a set of instructions that when executed by a processor causes the processor to identify and authenticate the user is provided. In a further aspect, a system for identifying and authenticating a user is provided.
    Type: Application
    Filed: January 27, 2014
    Publication date: August 21, 2014
    Inventor: Rajesh G. Shakkarwar
  • Patent number: 8661520
    Abstract: The present invention generally relates to a computer security system for use in the identification and authentication of a user prior to an on-line transaction. In one aspect, a method for enrolling a user in a system configured to identify and authenticate the user is provided. The method includes collecting a username and password to identify the user. The method further includes extracting device data from a user machine to uniquely identify the machine. The method also includes generating a user profile based upon the device data and the username and password. Additionally, the method includes transmitting the user profile to a server machine to be stored. In another aspect, a computer-readable medium including a set of instructions that when executed by a processor cause the processor to enroll a user in a system configured to identify and authenticate the user is the provided. In yet a further aspect, a system for identifying and authenticating a user is provided.
    Type: Grant
    Filed: November 21, 2006
    Date of Patent: February 25, 2014
    Inventor: Rajesh G. Shakkarwar
  • Patent number: 8640203
    Abstract: The present invention generally relates to a computer security system for use in the identification and authentication of a user. In one aspect, a method for identifying and authenticating a user is provided. The method includes establishing a trust between a server machine and an agent on a user machine. The method further includes establishing a session key to encrypt communications between the server machine and the agent. The method also includes receiving a username and password for use in validating the user. Additionally, the method includes creating an executable binary for the extraction of device data from the user machine to uniquely identify the machine. In another aspect, a computer-readable medium including a set of instructions that when executed by a processor causes the processor to identify and authenticate the user is provided. In a further aspect, a system for identifying and authenticating a user is provided.
    Type: Grant
    Filed: June 3, 2008
    Date of Patent: January 28, 2014
    Inventor: Rajesh G. Shakkarwar
  • Publication number: 20130132282
    Abstract: In one embodiment, the mobile device includes an NFC tag for near field communication. The NFC tag may include a first storage device and a second storage device. Personal data is stored on the first storage device, which is not accessible by a NFC reader device. Prior to a transaction, the personal data is transmitted from the first storage device to the second storage device, where the data is readable or accessible by the reader device. After transmission of the data to the reader device, the data on the second storage is erased. In this respect, the data is not available for eavesdropping by an unauthorized reader device. In one embodiment, the data remains stored in the first storage device and available for future use. In another embodiment, the data comprises financial product data.
    Type: Application
    Filed: October 12, 2012
    Publication date: May 23, 2013
    Inventor: Rajesh G. Shakkarwar
  • Publication number: 20120330825
    Abstract: A computer-implemented method for processing a purchase transaction initiated by a user including receiving a credit card transaction involving a financial product, processing the credit card transaction, and choosing a form of payment for the credit card transaction based on a preset rule.
    Type: Application
    Filed: August 6, 2012
    Publication date: December 27, 2012
    Inventor: Rajesh G. Shakkarwar
  • Publication number: 20120271757
    Abstract: A computer-implemented method for generating a first accounts payable financial product that is configured to be used for one or more payment transactions. The method includes receiving a selection of a core account for providing financial backing for the first accounts payable financial product; receiving a selection of a first recipient payee to which the first accounts payable financial product is to be distributed; generating the first accounts payable financial product based on one or more control parameters that define use restrictions for the first accounts payable financial product; and causing the first accounts payable financial product to be distributed to the first recipient payee.
    Type: Application
    Filed: January 21, 2011
    Publication date: October 25, 2012
    Inventor: Rajesh G. SHAKKARWAR
  • Publication number: 20110184856
    Abstract: A computer-implemented method for generating a financial product that is configured to be used for one or more payment transactions. The method includes receiving a selection of a plurality of core accounts for providing financial backing for the financial product, and generating the financial product based on one or more control parameters that define use restrictions for the financial product.
    Type: Application
    Filed: January 21, 2011
    Publication date: July 28, 2011
    Inventor: Rajesh G. SHAKKARWAR
  • Publication number: 20110184857
    Abstract: A computer-implemented method for generating a financial product that is configured to be used for one or more payment transactions. The method includes receiving a selection of a plurality of core accounts for providing financial backing for the financial product, and generating the financial product based on one or more control parameters that define use restrictions for the financial product.
    Type: Application
    Filed: January 21, 2011
    Publication date: July 28, 2011
    Inventor: Rajesh G. SHAKKARWAR
  • Publication number: 20110184866
    Abstract: A computer-implemented method for modifying control parameters associated with a financial product that is linked to an account. The method includes receiving updated control parameters for the financial product, where the account provides financial backing for the financial product, and the updated control parameters define updated use restrictions for the financial product; and modifying the control parameters associated with the financial product to reflect the updated control parameters, where the financial product is configured to be used for one or more payment transactions in accordance with the updated use restrictions.
    Type: Application
    Filed: January 21, 2011
    Publication date: July 28, 2011
    Inventor: Rajesh G. SHAKKARWAR
  • Publication number: 20110184858
    Abstract: A computer-implemented method for generating a first accounts payable financial product that is configured to be used for one or more payment transactions. The method includes receiving a selection of a core account for providing financial backing for the first accounts payable financial product; receiving a selection of a first recipient payee to which the first accounts payable financial product is to be distributed; generating the first accounts payable financial product based on one or more control parameters that define use restrictions for the first accounts payable financial product; and causing the first accounts payable financial product to be distributed to the first recipient payee.
    Type: Application
    Filed: January 21, 2011
    Publication date: July 28, 2011
    Inventor: Rajesh G. SHAKKARWAR