Patents by Inventor Ramji Sethuraman

Ramji Sethuraman 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).

  • Publication number: 20230097407
    Abstract: A method is disclosed. The method comprising receiving, by a transfer application on a first user's device, a payload comprising a digital tag associated with a second user, a transaction identifier, and a transaction amount. Transmitting, by the transfer application to a digital tag computer, the digital tag associated with the second user. Receiving, by the transfer application from the digital tag computer, a primary account number or token associated with the digital tag and transmitting, by the transfer application to an acquiring computer, a push transfer message.
    Type: Application
    Filed: April 30, 2021
    Publication date: March 30, 2023
    Applicant: Visa International Service Association
    Inventors: Vikram Modi, Shantnu Singh, Ramji Sethuraman, Jarkko Oskari Sevanto, Caleb Watson, Anshu Chauhan, Sonal Verma, Micael Gomes
  • Publication number: 20220150236
    Abstract: 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: Application
    Filed: January 27, 2022
    Publication date: May 12, 2022
    Inventors: Prasanna L. Narayan, Ramji Sethuraman
  • Patent number: 11271921
    Abstract: 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: Grant
    Filed: May 1, 2019
    Date of Patent: March 8, 2022
    Assignee: Visa International Service Association
    Inventors: Prasanna L. Narayan, Ramji Sethuraman
  • Patent number: 10412060
    Abstract: 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: Grant
    Filed: May 29, 2018
    Date of Patent: September 10, 2019
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Prasanna L. Narayan, Karthikeyan Palanisamy, Ramji Sethuraman
  • Publication number: 20190260732
    Abstract: 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: Application
    Filed: May 1, 2019
    Publication date: August 22, 2019
    Inventors: Prasanna L. Narayan, Ramji Sethuraman
  • Patent number: 10333921
    Abstract: 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: Grant
    Filed: April 8, 2016
    Date of Patent: June 25, 2019
    Assignee: Visa International Service Association
    Inventors: Prasanna L. Narayan, Ramji Sethuraman
  • Publication number: 20180295104
    Abstract: 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: Application
    Filed: May 29, 2018
    Publication date: October 11, 2018
    Inventors: Prasanna L. Narayan, Karthikeyan Palanisamy, Ramji Sethuraman
  • Patent number: 10015147
    Abstract: 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: Grant
    Filed: October 22, 2015
    Date of Patent: July 3, 2018
    Assignee: Visa International Service Association
    Inventors: Prasanna L. Narayan, Karthikeyan Palanisamy, Ramji Sethuraman
  • Publication number: 20160301683
    Abstract: 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: Application
    Filed: April 8, 2016
    Publication date: October 13, 2016
    Inventors: Prasanna Laxminarayanan, Ramji Sethuraman
  • Publication number: 20160119296
    Abstract: 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: Application
    Filed: October 22, 2015
    Publication date: April 28, 2016
    Inventors: Prasanna Laxminarayanan, Karthikeyan Palanisamy, Ramji Sethuraman