Patents by Inventor Ritu Panchal

Ritu Panchal 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: 11922451
    Abstract: A processing system for fuel transactions analyzes transactions for symbols indicating a purchase amount and directs information about the purchase to a loyalty platform. The loyalty platform may identify and communicate in real time or near real time with a personal device associated with the purchaser of the fuel. A user interface of the personal device may allow the purchaser to review and select options for processing the fuel purchase using value from a loyalty program account. The selected option may be used to modify fuel purchase parameters prior to settlement of the transaction or simply add points to the user loyalty program account.
    Type: Grant
    Filed: February 28, 2023
    Date of Patent: March 5, 2024
    Assignee: Visa International Service Association
    Inventors: Wesley Kimathi Marangu, Ritu Panchal, Edmar Soriano, Peter Rhee
  • Publication number: 20230206273
    Abstract: A processing system for fuel transactions analyzes transactions for symbols indicating a purchase amount and directs information about the purchase to a loyalty platform. The loyalty platform may identify and communicate in real time or near real time with a personal device associated with the purchaser of the fuel. A user interface of the personal device may allow the purchaser to review and select options for processing the fuel purchase using value from a loyalty program account. The selected option may be used to modify fuel purchase parameters prior to settlement of the transaction or simply add points to the user loyalty program account.
    Type: Application
    Filed: February 28, 2023
    Publication date: June 29, 2023
    Inventors: Wesley Kimathi Marangu, Ritu Panchal, Edmar Soriano, Peter Rhee
  • Patent number: 11620670
    Abstract: A processing system for fuel transactions analyzes transactions for symbols indicating a purchase amount and directs information about the purchase to a loyalty platform. The loyalty platform may identify and communicate in real time or near real time with a personal device associated with the purchaser of the fuel. A user interface of the personal device may allow the purchaser to review and select options for processing the fuel purchase using value from a loyalty program account. The selected option may be used to modify fuel purchase parameters prior to settlement of the transaction or simply add points to the user loyalty program account.
    Type: Grant
    Filed: April 28, 2022
    Date of Patent: April 4, 2023
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Wesley Kimathi Marangu, Ritu Panchal, Edmar Soriano, Peter Rhee
  • Patent number: 11481796
    Abstract: A processing system for fuel transactions analyzes transactions for symbols indicating a purchase amount and directs information about the purchase to a loyalty platform. The loyalty platform may identify and communicate in real time or near real time with a personal device associated with the purchaser of the fuel. A user interface of the personal device may allow the purchaser to review and select options for processing the fuel purchase using value from a loyalty program account. The selected option may be used to modify fuel purchase parameters prior to settlement of the transaction or simply add points to the user loyalty program account.
    Type: Grant
    Filed: August 28, 2018
    Date of Patent: October 25, 2022
    Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
    Inventors: Wesley Kimathi Marangu, Ritu Panchal, Edmar Soriano, Peter Rhee
  • Publication number: 20220253886
    Abstract: A processing system for fuel transactions analyzes transactions for symbols indicating a purchase amount and directs information about the purchase to a loyalty platform. The loyalty platform may identify and communicate in real time or near real time with a personal device associated with the purchaser of the fuel. A user interface of the personal device may allow the purchaser to review and select options for processing the fuel purchase using value from a loyalty program account. The selected option may be used to modify fuel purchase parameters prior to settlement of the transaction or simply add points to the user loyalty program account.
    Type: Application
    Filed: April 28, 2022
    Publication date: August 11, 2022
    Inventors: Wesley Kimathi Marangu, Ritu Panchal, Edmar Soriano, Peter Rhee
  • Publication number: 20210390528
    Abstract: A computing apparatus including: a processing system to process a predetermined type of operations using a predetermined communication protocol on a first network connecting a terminal in a first geographical region and a resource controller in a second geographical region; a communication portal to communicate using a second network; and a data store coupled with the processing system. The communication portal communicates via the second network with the mobile device to establish, in the data store, a resource correlation record associating a first resource controlled by the resource controller in the second geographical region with a second resource. The resource correlation record includes locale dependent parameters. In response to a communication initiated in the terminal for an operation of the predetermined type using the first resource, the processing system applies the second resource to the operation in accordance with the resource correlation record using at least the locale dependent parameters.
    Type: Application
    Filed: August 27, 2021
    Publication date: December 16, 2021
    Inventors: Michael Lemberger, Ritu Panchal, Aravind Babu Ginjupalli, Darpan Dewan, Lawrence Tsien-Yrun Ho, Praveen Kumar Prathy, Todd Sawyer, Ann T. Wang Reed, Rajive Gupta, Raman Chinnappan
  • Publication number: 20210182896
    Abstract: A processing system for fuel transactions analyzes transactions for symbols indicating a purchase amount and directs information about the purchase to a loyalty platform. The loyalty platform may identify and communicate in real time or near real time with a personal device associated with the purchaser of the fuel. A user interface of the personal device may allow the purchaser to review and select options for processing the fuel purchase using value from a loyalty program account. The selected option may be used to modify fuel purchase parameters prior to settlement of the transaction or simply add points to the user loyalty program account.
    Type: Application
    Filed: August 28, 2018
    Publication date: June 17, 2021
    Inventors: Wesley Kimathi Marangu, Ritu Panchal, Edmar Soriano, Peter Rhee
  • Publication number: 20160125384
    Abstract: A computing apparatus including: a processing system to process a predetermined type of operations using a predetermined communication protocol on a first network connecting a terminal in a first geographical region and a resource controller in a second geographical region; a communication portal to communicate using a second network; and a data store coupled with the processing system. The communication portal communicates via the second network with the mobile device to establish, in the data store, a resource correlation record associating a first resource controlled by the resource controller in the second geographical region with a second resource. The resource correlation record includes locale dependent parameters. In response to a communication initiated in the terminal for an operation of the predetermined type using the first resource, the processing system applies the second resource to the operation in accordance with the resource correlation record using at least the locale dependent parameters.
    Type: Application
    Filed: November 4, 2015
    Publication date: May 5, 2016
    Inventors: Michael Lemberger, Ritu Panchal, Rajive Gupta, Aravind Babu Ginjupalli, Raman Chinnappan, Darpan Dewan, Lawrence Tsien-Yrun Ho, Praveen Kumar Prathy, Todd Sawyer, Ann T. Wang Reed