Patents by Inventor Sanjay Saraf
Sanjay Saraf 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).
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Publication number: 20250016246Abstract: Techniques are disclosed for providing secure transaction functionality embedded into host applications executing on transaction client devices, using an integration framework and user interfaces. A transaction server may be configured to receive initial transaction sender and receiver data from an integrated software component executing within a host software application on a transaction client device. After receiving the initial transaction sender and receiver data from the integrated software component, the transaction server may determine transaction sender and transaction recipient locations and may select a particular transaction user interface based on the sender and recipient location data. A particular transaction user interface also may be determined based on specific host applications. After determining the particular transaction user interface, the interface may be transmitted to the transaction client device, for example, via a content delivery network.Type: ApplicationFiled: July 11, 2024Publication date: January 9, 2025Applicant: The Western Union CompanyInventors: Vijaya Kouru, Sanjay Saraf
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Patent number: 12047471Abstract: Techniques are disclosed for providing secure transaction functionality embedded into host applications executing on transaction client devices, using an integration framework and user interfaces. A transaction server may be configured to receive initial transaction sender and receiver data from an integrated software component executing within a host software application on a transaction client device. After receiving the initial transaction sender and receiver data from the integrated software component, the transaction server may determine transaction sender and transaction recipient locations, and may select a particular transaction user interface based on the sender and recipient location data. Particular transaction user interface also may be determined based on specific host applications. After determining the particular transaction user interface, the interface may be transmitted to the transaction client device, for example, via a content delivery network.Type: GrantFiled: February 8, 2022Date of Patent: July 23, 2024Assignee: THE WESTERN UNION COMPANYInventors: Vijaya Kouru, Sanjay Saraf
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Publication number: 20230351353Abstract: Systems and methods for frictionless payments in Web 3.0 and the Metaverse are disclosed. A method may include a buyer bot: monitoring a buyer interaction with a merchant of a digital collectable via a buyer vault/digital wallet, the digital collectable having a cryptocurrency price in a cryptocurrency; determining a fiat currency price in a fiat currency for the cryptocurrency price; receiving, from the buyer vault/digital wallet, conformation of a purchase of the digital collectable at the fiat currency price; executing payment for the digital collectable in the fiat currency at the fiat currency price; transforming the payment in the fiat currency to a digital collectable concierge service designated account; engaging a fiat-to-crypto on-ramp to convert the fiat currency to the cryptocurrency; and providing the payment in the cryptocurrency to a digital collectable smart contract that mints or delivers the digital collectable to the buyer.Type: ApplicationFiled: April 27, 2023Publication date: November 2, 2023Inventors: Sanjay SARAF, Adit GADGIL, Umar FAROOQ, Ratnavelsamy KALYANASUNDARAM, Tyrone LOBBAN, Giacinto COSENZA, George KASSIS, Abbas ALI, Jodie CASTON, Arulsenthilkumar SHANMUGAM, Kirsten JONES, Nicole PARINA, Nancy NUGENT, Aditya Mayur TADAY
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Patent number: 11651348Abstract: Systems, methods, and apparatuses for configuring a web application for global money transfers include a customer mobile device, a processor, and a memory having processor-readable instructions that cause the processor to collect data from a web application, whereby the web application is provided on the customer mobile device in operative communication with the host computer, and determine at least one of an optional field and a required field based on the collected data. The at least one optional field and required field may receive input for conducting a money transfer. The processor-readable instructions may cause the processor to send instructions to a user interface (“UI”) for the web application, whereby the instructions are indicative of the at least one optional field and required field, and configure the UI to display the at least one optional field and required field at the web application of the customer mobile device.Type: GrantFiled: April 5, 2021Date of Patent: May 16, 2023Assignee: The Western Union CompanyInventors: Vijaya Kouru, Tarun Bhagwan, Sanjay Saraf
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Publication number: 20220166844Abstract: Techniques are disclosed for providing secure transaction functionality embedded into host applications executing on transaction client devices, using an integration framework and user interfaces. A transaction server may be configured to receive initial transaction sender and receiver data from an integrated software component executing within a host software application on a transaction client device. After receiving the initial transaction sender and receiver data from the integrated software component, the transaction server may determine transaction sender and transaction recipient locations, and may select a particular transaction user interface based on the sender and recipient location data. Particular transaction user interface also may be determined based on specific host applications. After determining the particular transaction user interface, the interface may be transmitted to the transaction client device, for example, via a content delivery network.Type: ApplicationFiled: February 8, 2022Publication date: May 26, 2022Applicant: The Western Union CompanyInventors: Vijaya Kouru, Sanjay Saraf
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Patent number: 11258875Abstract: Techniques are disclosed for providing secure transaction functionality embedded into host applications executing on transaction client devices, using an integration framework and user interfaces. A transaction server may be configured to receive initial transaction sender and receiver data from an integrated software component executing within a host software application on a transaction client device. After receiving the initial transaction sender and receiver data from the integrated software component, the transaction server may determine transaction sender and transaction recipient locations, and may select a particular transaction user interface based on the sender and recipient location data. Particular transaction user interface also may be determined based on specific host applications. After determining the particular transaction user interface, the interface may be transmitted to the transaction client device, for example, via a content delivery network.Type: GrantFiled: July 1, 2019Date of Patent: February 22, 2022Assignee: The Western Union CompanyInventors: Vijaya Kouru, Sanjay Saraf
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Publication number: 20210224782Abstract: Systems, methods, and apparatuses for configuring a web application for global money transfers include a customer mobile device, a processor, and a memory having processor-readable instructions that cause the processor to collect data from a web application, whereby the web application is provided on the customer mobile device in operative communication with the host computer, and determine at least one of an optional field and a required field based on the collected data. The at least one optional field and required field may receive input for conducting a money transfer. The processor-readable instructions may cause the processor to send instructions to a user interface (“UP”) for the web application, whereby the instructions are indicative of the at least one optional field and required field, and configure the UI to display the at least one optional field and required field at the web application of the customer mobile device.Type: ApplicationFiled: April 5, 2021Publication date: July 22, 2021Applicant: The Western Union CompanyInventors: Vijaya Kouru, Tarun Bhagwan, Sanjay Saraf
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Patent number: 10977640Abstract: Systems, methods, and apparatuses for configuring a web application for global money transfers include a customer mobile device, a processor, and a memory having processor-readable instructions that cause the processor to collect data from a web application, whereby the web application is provided on the customer mobile device in operative communication with the host computer, and determine at least one of an optional field and a required field based on the collected data. The at least one optional field and required field may receive input for conducting a money transfer. The processor-readable instructions may cause the processor to send instructions to a user interface (“UI”) for the web application, whereby the instructions are indicative of the at least one optional field and required field, and configure the UI to display the at least one optional field and required field at the web application of the customer mobile device.Type: GrantFiled: July 7, 2015Date of Patent: April 13, 2021Assignee: The Western Union CompanyInventors: Vijaya Kouru, Tarun Bhagwan, Sanjay Saraf
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Patent number: 10721336Abstract: Techniques described herein relate to generating graph-oriented data structures based on cross-channel multi-user transaction and/or interaction data from one or more data sources, Additional techniques relate to analyzing and processing transactions using the graph-oriented data structures. Transaction data may be received from various data sources, and analyzed to determine subsets of the transaction data relating to interactions between specific pairs of users. Graph-oriented data structures may be generated based on the subsets of transaction data relating to the specific pairs of users, and may be used to analyze and process transaction requests.Type: GrantFiled: January 11, 2017Date of Patent: July 21, 2020Assignee: The Western Union CompanyInventors: Abhishek Banerjee, Daniel Goldstein, Roberto Arnetoli, Pravin Darbare, Kevin Lai, Sanjay Saraf
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Publication number: 20190327329Abstract: Techniques are disclosed for providing secure transaction functionality embedded into host applications executing on transaction client devices, using an integration framework and user interfaces. A transaction server may be configured to receive initial transaction sender and receiver data from an integrated software component executing within a host software application on a transaction client device. After receiving the initial transaction sender and receiver data from the integrated software component, the transaction server may determine transaction sender and transaction recipient locations, and may select a particular transaction user interface based on the sender and recipient location data. Particular transaction user interface also may be determined based on specific host applications. After determining the particular transaction user interface, the interface may be transmitted to the transaction client device, for example, via a content delivery network.Type: ApplicationFiled: July 1, 2019Publication date: October 24, 2019Applicant: The Western Union CompanyInventors: Vijaya Kouru, Sanjay Saraf
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Patent number: 10367905Abstract: Techniques are disclosed for providing secure transaction functionality embedded into host applications executing on transaction client devices, using an integration framework and user interfaces. A transaction server may be configured to receive initial transaction sender and receiver data from an integrated software component executing within a host software application on a transaction client device. After receiving the initial transaction sender and receiver data from the integrated software component, the transaction server may determine transaction sender and transaction recipient locations, and may select a particular transaction user interface based on the sender and recipient location data. Particular transaction user interface also may be determined based on specific host applications. After determining the particular transaction user interface, the interface may be transmitted to the transaction client device, for example, via a content delivery network.Type: GrantFiled: October 21, 2016Date of Patent: July 30, 2019Assignee: The Western Union CompanyInventors: Vijaya Kouru, Sanjay Saraf
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Publication number: 20180196694Abstract: Techniques described herein relate to generating graph-oriented data structures based on cross-channel multi-user transaction and/or interaction data from one or more data sources, Additional techniques relate to analyzing and processing transactions using the graph-oriented data structures. Transaction data may be received from various data sources, and analyzed to determine subsets of the transaction data relating to interactions between specific pairs of users. Graph-oriented data structures may be generated based on the subsets of transaction data relating to the specific pairs of users, and may be used to analyze and process transaction requests.Type: ApplicationFiled: January 11, 2017Publication date: July 12, 2018Applicant: The Western Union CompanyInventors: Abhishek Banerjee, Daniel Goldstein, Roberto Arnetoli, Pravin Darbare, Kevin Lai, Sanjay Saraf
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Publication number: 20170148021Abstract: Techniques are disclosed for providing secure transaction functionality using a centralized digital gateway configured to process transactions of various types, using different transaction processing entities, within a single processing flow. The digital gateway may implement rules and logic to optimize transaction processing costs. Additionally, transaction authorization, various types of transaction analyses, and transaction processing and dispatch processes may be performed in parallel, as directed by the implemented rules and logic, in order to optimize transaction processing costs and processing speeds. Further, digital gateway may be configured to normalize transaction request data across different transaction types, allowing the transaction request data to be transmitted in a uniform manner to related back-end systems, partner systems, and transaction processors.Type: ApplicationFiled: November 18, 2016Publication date: May 25, 2017Applicant: The Western Union CompanyInventors: Daniel Goldstein, Abhishek Banerjee, Marc Elbirt, Seshu Pandey, Kevin Lai, Sanjay Saraf
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Publication number: 20170118301Abstract: Techniques are disclosed for providing secure transaction functionality embedded into host applications executing on transaction client devices, using an integration framework and user interfaces. A transaction server may be configured to receive initial transaction sender and receiver data from an integrated software component executing within a host software application on a transaction client device. After receiving the initial transaction sender and receiver data from the integrated software component, the transaction server may determine transaction sender and transaction recipient locations, and may select a particular transaction user interface based on the sender and recipient location data. Particular transaction user interface also may be determined based on specific host applications. After determining the particular transaction user interface, the interface may be transmitted to the transaction client device, for example, via a content delivery network.Type: ApplicationFiled: October 21, 2016Publication date: April 27, 2017Applicant: The Western Union CompanyInventors: Vijaya Kouru, Sanjay Saraf
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Publication number: 20170011379Abstract: Systems, methods, and apparatuses for configuring a web application for global money transfers include a customer mobile device, a processor, and a memory having processor-readable instructions that cause the processor to collect data from a web application, whereby the web application is provided on the customer mobile device in operative communication with the host computer, and determine at least one of an optional field and a required field based on the collected data. The at least one optional field and required field may receive input for conducting a money transfer. The processor-readable instructions may cause the processor to send instructions to a user interface (“UI”) for the web application, whereby the instructions are indicative of the at least one optional field and required field, and configure the UI to display the at least one optional field and required field at the web application of the customer mobile device.Type: ApplicationFiled: July 7, 2015Publication date: January 12, 2017Applicant: The Western Union CompanyInventors: Vijaya Kouru, Tarun Bhagwan, Sanjay Saraf