Patents by Inventor Rohit Sukhija
Rohit Sukhija 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: 11907984Abstract: A method for processing a chargeback request associated with at least one online transaction associated with a user includes: receiving a chargeback message associated with the at least one online transaction; based at least partially on the unfamiliar merchant name in the chargeback message, determining at least one potential familiar merchant name associated with the at least one unfamiliar merchant name; scanning a browser history of the user including browser data; determining whether the user visited a website associated with the at least one potential familiar merchant name; and generating and communicating a recommendation message including the at least one potential familiar merchant name. A system for processing a chargeback request associated with at least one online transaction associated with a user is also disclosed.Type: GrantFiled: August 29, 2022Date of Patent: February 20, 2024Assignee: Visa International Service AssociationInventors: Rohit Sukhija, Aditya Ashok Kale
-
Publication number: 20240029060Abstract: A method and system for authenticating a payment transaction. The method includes receiving a request for verifying a phone number associated with a Subscriber Identification Module card from a merchant application installed in the user device. Further, obtaining a first key from at least one of a server associated with a manufacturer of the user device and a network server. Furthermore, generating a first cryptogram based on at least one of the phone number and a unique identification value associated with the user device using the first key, wherein the first cryptogram is provided to the server associated with the manufacturer for verification. Upon verification of the first cryptogram, the method includes receiving a second cryptogram from the server associated with the manufacturer, wherein the merchant application provides the second cryptogram and payment transaction details to an issuer server for authentication of the payment transaction.Type: ApplicationFiled: October 5, 2023Publication date: January 25, 2024Inventors: Rohit Sukhija, Pragathi M S, Hemanth Kumar Manoharan
-
Patent number: 11880837Abstract: The present invention relates to a system and computer implemented method for dynamic merchant configuration in a payment terminal for transacting in a virtual environment. The payment terminal receives a location information of a virtual user corresponding to a physical user performing a transaction in one of the one or more establishments configured in a virtual environment from a Virtual Reality (VR) device. Further, merchant and associated details corresponding to one of the one or more establishments is determined based on the location information upon the physical user initiating payment for the transaction using a physical payment card. Thereafter, a transaction message comprising the merchant and associated details is sent to an issuer system via a gateway associated with the merchant for authorization. Finally, a result of authorization of the transaction message is received from the issuer system via the gateway.Type: GrantFiled: June 23, 2021Date of Patent: January 23, 2024Assignee: Visa International Service AssociationInventors: Rohit Sukhija, Gaurav Srikant Mokhasi
-
Patent number: 11797983Abstract: A method and system for authenticating a payment transaction. The method includes receiving a request for verifying a phone number associated with a Subscriber Identification Module card from a merchant application installed in the user device. Further, obtaining a first key from at least one of a server associated with a manufacturer of the user device and a network server. Furthermore, generating a first cryptogram based on at least one of the phone number and a unique identification value associated with the user device using the first key, wherein the first cryptogram is provided to the server associated with the manufacturer for verification. Upon verification of the first cryptogram, the method includes receiving a second cryptogram from the server associated with the manufacturer, wherein the merchant application provides the second cryptogram and payment transaction details to an issuer server for authentication of the payment transaction.Type: GrantFiled: December 29, 2020Date of Patent: October 24, 2023Assignee: Visa International Service AssociationInventors: Rohit Sukhija, Pragathi M S, Hemanth Kumar Manoharan
-
Publication number: 20230222459Abstract: Methods for updating an application programming interface (API) field of a transaction message may include receiving, with at least one processor, a payment transaction message, wherein the payment transaction message comprises data associated with a payment transaction; determining, with at least one processor, one or more API fields of the payment transaction message based on the data associated with the payment transaction; and modifying, with at least one processor, one or more API fields of the payment transaction message. Methods may also include transmitting, with at least one processor, a modified payment transaction message based on modifying the one or more API fields of the payment transaction message. Systems and computer program products are also disclosed.Type: ApplicationFiled: March 8, 2023Publication date: July 13, 2023Inventors: Rohit Sukhija, Pragathi M S
-
Publication number: 20230177483Abstract: Described are a system, method, and computer program product for reconfiguring a transaction during network processing. The method includes receiving, from a merchant system, a transaction request including transaction data and configured in an initial configuration associated with a single-message transaction or a dual-message transaction. The method includes determining, based at least partly on the transaction data and/or at least one parameter of a merchant profile associated with the merchant system, a recommended configuration associated with a single-message transaction or a dual-message transaction, the recommended configuration different from the initial configuration. The method includes reconfiguring the transaction request based on the recommended configuration.Type: ApplicationFiled: February 1, 2023Publication date: June 8, 2023Inventor: Rohit Sukhija
-
Patent number: 11636449Abstract: Methods for updating an application programming interface (API) field of a transaction message may include receiving, with at least one processor, a payment transaction message, wherein the payment transaction message comprises data associated with a payment transaction; determining, with at least one processor, one or more API fields of the payment transaction message based on the data associated with the payment transaction; and modifying, with at least one processor, one or more API fields of the payment transaction message. Methods may also include transmitting, with at least one processor, a modified payment transaction message based on modifying the one or more API fields of the payment transaction message. Systems and computer program products are also disclosed.Type: GrantFiled: December 12, 2019Date of Patent: April 25, 2023Assignee: Visa International Service AssociationInventors: Rohit Sukhija, Pragathi M S
-
Patent number: 11593781Abstract: Described are a system, method, and computer program product for reconfiguring a transaction during network processing. The method includes receiving, from a merchant system, a transaction request including transaction data and configured in an initial configuration associated with a single-message transaction or a dual-message transaction. The method includes determining, based at least partly on the transaction data and/or at least one parameter of a merchant profile associated with the merchant system, a recommended configuration associated with a single-message transaction or a dual-message transaction, the recommended configuration different from the initial configuration. The method includes reconfiguring the transaction request based on the recommended configuration.Type: GrantFiled: March 20, 2020Date of Patent: February 28, 2023Assignee: Visa International Service AssociationInventor: Rohit Sukhija
-
Patent number: 11574306Abstract: A computer-implemented method performed by an issuer computer comprises receiving an authorization request for a transaction between a cardholder and a merchant using a first account identifier. A repository is searched for a preference set with the issuer by a cardholder to use a second account identifier when at least one transaction is received for the first account identifier. The transaction is authorized using the second account identifier in place of the first account identifier without knowledge by the merchant that the second account identifier was used. An authorization response is then returned to the merchant.Type: GrantFiled: December 12, 2019Date of Patent: February 7, 2023Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Rohit Sukhija, Ashutosh Singh, Amit Kumar Mishra
-
Patent number: 11556904Abstract: A method for processing a payment transaction via a proxy guarantor includes: receiving a transaction request between a user and a merchant including payment device data associated with a payment device of the user of a payment type not accepted by the merchant, and an indicator causing the payment transaction to be processed as a proxy guarantor transaction; identifying a guarantor associated with the user having a payment device of a payment type accepted by the merchant; communicating an authorization request to an issuer system associated with the guarantor to cause the issuer system of the guarantor to authorize the payment transaction; receiving an authorization response from the issuer system of the guarantor, the authorization response including a payment transaction approval indicator; and communicating a settlement request to an issuer system of the user.Type: GrantFiled: January 29, 2020Date of Patent: January 17, 2023Assignee: Visa International Service AssociationInventors: Rohit Sukhija, Pragathi M S
-
Publication number: 20230012289Abstract: Provided is a system, method, and apparatus for aggregated authentication in an online, open loop payment network. The method includes receiving a single authentication request message to conduct a plurality of transactions with a plurality of merchants, the single authentication request message comprising an aggregation identifier, detecting the aggregation identifier in the single authentication request message, in response to detecting the aggregation identifier, generating a single authentication response message comprising a plurality of authentication codes, each authentication code of the plurality of authentication codes corresponding to a merchant of the plurality of merchants, and communicating the single authentication response message to the merchant system, the single authentication response message configured to cause the merchant system to separately process each transaction of the plurality of transactions.Type: ApplicationFiled: September 19, 2022Publication date: January 12, 2023Inventors: Aditya Ashok Kale, Rohit Sukhija, Mohan Babu Nellore
-
Publication number: 20220414730Abstract: A method for processing a chargeback request associated with at least one online transaction associated with a user includes: receiving a chargeback message associated with the at least one online transaction; based at least partially on the unfamiliar merchant name in the chargeback message, determining at least one potential familiar merchant name associated with the at least one unfamiliar merchant name; scanning a browser history of the user including browser data; determining whether the user visited a website associated with the at least one potential familiar merchant name; and generating and communicating a recommendation message including the at least one potential familiar merchant name. A system for processing a chargeback request associated with at least one online transaction associated with a user is also disclosed.Type: ApplicationFiled: August 29, 2022Publication date: December 29, 2022Inventors: Rohit Sukhija, Aditya Ashok Kale
-
Patent number: 11483308Abstract: Provided is a system, method, and apparatus for aggregated authentication in an online, open loop payment network. The method includes receiving a single authentication request message to conduct a plurality of transactions with a plurality of merchants, the single authentication request message comprising an aggregation identifier, detecting the aggregation identifier in the single authentication request message, in response to detecting the aggregation identifier, generating a single authentication response message comprising a plurality of authentication codes, each authentication code of the plurality of authentication codes corresponding to a merchant of the plurality of merchants, and communicating the single authentication response message to the merchant system, the single authentication response message configured to cause the merchant system to separately process each transaction of the plurality of transactions.Type: GrantFiled: June 26, 2018Date of Patent: October 25, 2022Assignee: Visa International Service AssociationInventors: Aditya Ashok Kale, Rohit Sukhija, Mohan Babu Nellore
-
Patent number: 11481824Abstract: A method for processing a chargeback request associated with at least one online transaction associated with a user includes: receiving a chargeback message associated with the at least one online transaction; based at least partially on the unfamiliar merchant name in the chargeback message, determining at least one potential familiar merchant name associated with the at least one unfamiliar merchant name; scanning a browser history of the user including browser data; determining whether the user visited a website associated with the at least one potential familiar merchant name; and generating and communicating a recommendation message including the at least one potential familiar merchant name. A system for processing a chargeback request associated with at least one online transaction associated with a user is also disclosed.Type: GrantFiled: June 21, 2018Date of Patent: October 25, 2022Assignee: Visa International Service AssociationInventors: Rohit Sukhija, Aditya Ashok Kale
-
Publication number: 20220292504Abstract: The present disclosure discloses a method and system for dynamically processing financial transactions. The method includes receiving a transaction request including at least one unique identifier field to transfer payment into an account associated with a payment instrument and authorizing the transaction request based on one or more predetermined rules. The payment instrument is used at an electronic device by a merchant for transfer of the payment from a merchant account. Thereafter, the method includes generating a direct fund transfer message based on the at least one unique identifier field upon authorization of the transaction request and transmitting the direct fund transfer message to an issuer associated with the merchant account for authentication of the direct fund transfer message. Lastly, the method includes transferring dynamically the payment from the merchant account to the account associated with the payment instrument when the direct fund transfer message is authenticated by the issuer.Type: ApplicationFiled: March 12, 2021Publication date: September 15, 2022Inventors: Rohit Sukhija, Rahul Singhal, Surendra Vyas
-
Publication number: 20220231866Abstract: The present disclosure relates to knowledge based authentication whereby a user is authenticated through third-party linked accounts. The method includes receiving an authentication request from a merchant computer, assessing one or more data fields to generate an authentication challenge for the user, connecting to one or more third-party account service provider to extract user-related data, generating the authentication challenge based on the extracted user-related data from the third-party account service provider, posing the authentication challenge to the user on a user device, receiving a response to the authentication challenge, and returning the authentication response to the merchant.Type: ApplicationFiled: April 11, 2022Publication date: July 21, 2022Inventors: Gaurav Srikant Mokhasi, Abhishek Minocha, Rohit Sukhija
-
Publication number: 20220207523Abstract: A method and system for authenticating a payment transaction. The method includes receiving a request for verifying a phone number associated with a Subscriber Identification Module card from a merchant application installed in the user device. Further, obtaining a first key from at least one of a server associated with a manufacturer of the user device and a network server. Furthermore, generating a first cryptogram based on at least one of the phone number and a unique identification value associated with the user device using the first key, wherein the first cryptogram is provided to the server associated with the manufacturer for verification. Upon verification of the first cryptogram, the method includes receiving a second cryptogram from the server associated with the manufacturer, wherein the merchant application provides the second cryptogram and payment transaction details to an issuer server for authentication of the payment transaction.Type: ApplicationFiled: December 29, 2020Publication date: June 30, 2022Inventors: Rohit Sukhija, Pragathi M S, Hemanth Kumar Manoharan
-
Patent number: 11329832Abstract: The present disclosure relates to knowledge based authentication whereby a user is authenticated through third-party linked accounts. The method includes receiving an authentication request from a merchant computer, assessing one or more data fields to generate an authentication challenge for the user, connecting to one or more third-party account service provider to extract user-related data, generating the authentication challenge based on the extracted user-related data from the third-party account service provider, posing the authentication challenge to the user on a user device, receiving a response to the authentication challenge, and returning the authentication response to the merchant.Type: GrantFiled: May 29, 2019Date of Patent: May 10, 2022Assignee: Visa International Service AssociationInventors: Gaurav Srikant Mokhasi, Abhishek Minocha, Rohit Sukhija
-
Publication number: 20220138709Abstract: A method for processing a payment transaction via a proxy guarantor includes receiving a transaction request associated with a payment transaction for a transaction amount. The payment transaction is associated with a user, and the transaction request includes: payment device data associated with a payment device of the user, the payment device associated with a debit account, and guarantor data identifying a guarantor associated with a credit account. The method further includes communicating a hold request to an issuer system associated with the credit account to cause the issuer system associated with the credit account to place a hold on the credit account for at least a portion of the transaction amount, and communicating an authorization request to an issuer system associated with the debit account.Type: ApplicationFiled: June 26, 2019Publication date: May 5, 2022Inventors: Gaurav Srikant Mokhasi, Rohit Sukhija
-
Publication number: 20220067739Abstract: A computer-implemented method for generating a payment request message based on a preferred payment method is proposed. The computer system facilitates communication of transaction messages between a merchant server and an interoperability server. A first payment request message is received from the merchant server for transaction between a user and a merchant. A payment method is selected from a group comprising a plurality of merchant preferred payment methods and a plurality of user preferred payment methods obtained from a database. The selection is based on at least one of transaction information in the first payment request message and one or more rules. A second payment request message is generated in the selected payment method. The second payment request message is provided to the interoperability server. The transaction is processed in the selected payment method.Type: ApplicationFiled: August 28, 2020Publication date: March 3, 2022Inventors: Rohit Sukhija, Pragathi M S