Patents by Inventor Ramesh Jayakrishnan

Ramesh Jayakrishnan 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).

  • Systems and methods for real time data rich cross border payment transactions
    Patent number: 11816644
    Abstract: A cross border payment (CBP) computing device for transmitting cross border data rich payments in real-time is provided. The CBP computing device receives, from an originating bank associated with a payor, a payment request message to transfer funds in real-time. The payment request message includes payment instructions and transaction information associated with a transfer amount. The CBP computing device determines that the payment request message is a cross border payment transfer from a first payment network for processing real-time payments within a first country to a second payment network for processing real-time payments within a second country, and retrieves, from a database, a set of rules based on a payment messaging standard and protocol associated with the second payment network. The CBP computing device reformats the payment request messaged based on the retrieved set of rules, and transmits the reformatted payment message to a receiving bank associated with a payee.
    Type: Grant
    Filed: November 23, 2022
    Date of Patent: November 14, 2023
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Ainsley Johnston, Daniel Carbone, Ramesh Jayakrishnan, Suvetha Sivakumar, Rohan Mazumdar
  • SYSTEMS AND METHODS FOR REAL TIME DATA RICH CROSS BORDER PAYMENT TRANSACTIONS
    Publication number: 20230082261
    Abstract: A cross border payment (CBP) computing device for transmitting cross border data rich payments in real-time is provided. The CBP computing device receives, from an originating bank associated with a payor, a payment request message to transfer funds in real-time. The payment request message includes payment instructions and transaction information associated with a transfer amount. The CBP computing device determines that the payment request message is a cross border payment transfer from a first payment network for processing real-time payments within a first country to a second payment network for processing real-time payments within a second country, and retrieves, from a database, a set of rules based on a payment messaging standard and protocol associated with the second payment network. The CBP computing device reformats the payment request messaged based on the retrieved set of rules, and transmits the reformatted payment message to a receiving bank associated with a payee.
    Type: Application
    Filed: November 23, 2022
    Publication date: March 16, 2023
    Inventors: Ainsley Johnston, Daniel Carbone, Ramesh Jayakrishnan, Suvetha Sivakumar, Rohan Mazumdar
  • Systems and methods for real time data rich cross border payment transactions
    Patent number: 11514412
    Abstract: A cross border payment (CBP) computing device for transmitting cross border data rich payments in real-time is provided. The CBP computing device receives, from an originating bank associated with a payor, a payment request message to transfer funds in real-time. The payment request message includes payment instructions and transaction information associated with a transfer amount. The CBP computing device determines that the payment request message is a cross border payment transfer from a first payment network for processing real-time payments within a first country to a second payment network for processing real-time payments within a second country, and retrieves, from a database, a set of rules based on a payment messaging standard and protocol associated with the second payment network. The CBP computing device reformats the payment request messaged based on the retrieved set of rules, and transmits the reformatted payment message to a receiving bank associated with a payee.
    Type: Grant
    Filed: December 17, 2019
    Date of Patent: November 29, 2022
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Ainsley Johnston, Daniel Carbone, Ramesh Jayakrishnan, Suvetha Sivakumar, Rohan Mazumdar
  • SYSTEMS AND METHODS FOR REAL TIME DATA RICH CROSS BORDER PAYMENT TRANSACTIONS
    Publication number: 20210182810
    Abstract: A cross border payment (CBP) computing device for transmitting cross border data rich payments in real-time is provided. The CBP computing device receives, from an originating bank associated with a payor, a payment request message to transfer funds in real-time. The payment request message includes payment instructions and transaction information associated with a transfer amount. The CBP computing device determines that the payment request message is a cross border payment transfer from a first payment network for processing real-time payments within a first country to a second payment network for processing real-time payments within a second country, and retrieves, from a database, a set of rules based on a payment messaging standard and protocol associated with the second payment network. The CBP computing device reformats the payment request messaged based on the retrieved set of rules, and transmits the reformatted payment message to a receiving bank associated with a payee.
    Type: Application
    Filed: December 17, 2019
    Publication date: June 17, 2021
    Inventors: Ainsley Johnston, Daniel Carbone, Ramesh Jayakrishnan, Suvetha Sivakumar, Rohan Mazumdar