Patents by Inventor Sathish B. Muthukrishnan

Sathish B. Muthukrishnan 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: 10497027
    Abstract: A method comprises receiving, by a computer-based system for processing a transaction, a notification that a transaction account holder has taken an action, taking, in near real time, an action in response to the action taken by the transaction account holder, and/or communicating with a web-client associated with the transaction account holder in response to the action taken by the transaction account holder. The communicating with the web-client may occur in near real time.
    Type: Grant
    Filed: February 26, 2018
    Date of Patent: December 3, 2019
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Sibish Basheer, Nageshwara R. Chirravuri, Sastry V S M Durvasula, Ravi Govindasamy, Priyadarshini Koul, Ashish Kumar, Premkumar Manivannan, Sathish B. Muthukrishnan, Varun Sood, Sohail Zafar
  • Publication number: 20190340598
    Abstract: A method comprises transmitting, by a merchant web-client, a signal using a low energy consuming device, wherein the signal may be received by a transaction account holder web-client, wherein the signal may carry content associated with a merchant, and wherein the merchant is associated with the merchant web-client, and/or receiving, by the merchant web-client, a response from the transaction account holder web-client, wherein the response may be transmitted by the transaction account holder web-client to the merchant web-client using the low energy consuming device. The content may comprise an advertisement associated with an item offered for sale by the merchant.
    Type: Application
    Filed: July 15, 2019
    Publication date: November 7, 2019
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Sibish Neelikattil Basheerahammed, Sastry VSM Durvasula, Premkumar Manivannan, Anuj K. Mathur, Sathish B. Muthukrishnan, Philip Norman, Robert Wilmes, David M. Wolf
  • Patent number: 10395237
    Abstract: A method comprises transmitting, by a merchant web-client, a signal using a low energy consuming device, wherein the signal may be received by a transaction account holder web-client, wherein the signal may carry content associated with a merchant, and wherein the merchant is associated with the merchant web-client, and/or receiving, by the merchant web-client, a response from the transaction account holder web-client, wherein the response may be transmitted by the transaction account holder web-client to the merchant web-client using the low energy consuming device. The content may comprise an advertisement associated with an item offered for sale by the merchant.
    Type: Grant
    Filed: May 22, 2014
    Date of Patent: August 27, 2019
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Sibish Neelikattil Basheerahammed, Sastry V S M Durvasula, Premkumar Manivannan, Anuj K. Mathur, Sathish B. Muthukrishnan, Philip Norman, Robert Wilmes, David M. Wolf
  • Publication number: 20190164157
    Abstract: Systems and methods for transaction authorizations using a distributed database are disclosed. The system may allow registered transaction account holders and merchants to interact and complete transactions according to workflows enforced by smart contracts. The system may include an issuer system that receives a transaction authorization request comprising a merchant ID, a transaction account number, a transaction amount, and a transaction ID. The issuer system may retrieve a merchant public key and a smart contract based on the merchant ID, and a user public key based on the transaction account number. The issuer system may invoke the smart contract by passing the user public key and the transaction ID to the smart contract. The system may propagate transaction data (e.g., the merchant ID, the transaction account number, the payment amount, a transaction status, etc.) to a blockchain network for writing to a blockchain according to the invoked smart contract.
    Type: Application
    Filed: November 28, 2017
    Publication date: May 30, 2019
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Balaji Balaraman, Andras L. Ferenczi, Sathish B. Muthukrishnan, Harish R. Naik
  • Publication number: 20180322205
    Abstract: A system may deliver personalized content to a user. The system may create a user persona based on demographic information and stored clickstream data of the user. The system may learn which functionalities the user typically uses on a webpage, and the system may create a personalized version of the webpage for the user.
    Type: Application
    Filed: May 8, 2017
    Publication date: November 8, 2018
    Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Balaji Balaraman, Sastry VSM Durvasula, Sathish B. Muthukrishnan, Harish Naik, Neha Singh
  • Publication number: 20180181998
    Abstract: A method comprises receiving, by a computer-based system for processing a transaction, a notification that a transaction account holder has taken an action, taking, in near real time, an action in response to the action taken by the transaction account holder, and/or communicating with a web-client associated with the transaction account holder in response to the action taken by the transaction account holder. The communicating with the web-client may occur in near real time.
    Type: Application
    Filed: February 26, 2018
    Publication date: June 28, 2018
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Sibish Basheer, Nageshwara R. Chirravuri, Sastry VSM Durvasula, Ravi Govindasamy, Priyadarshini Koul, Ashish Kumar, Premkumar Manivannan, Sathish B. Muthukrishnan, Varun Sood, Sohail Zafar
  • Patent number: 9934517
    Abstract: A method comprises receiving, by a computer-based system for processing a transaction, a notification that a transaction account holder has taken an action, taking, in near real time, an action in response to the action taken by the transaction account holder, and/or communicating with a web-client associated with the transaction account holder in response to the action taken by the transaction account holder. The communicating with the web-client may occur in near real time.
    Type: Grant
    Filed: June 17, 2014
    Date of Patent: April 3, 2018
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Sibish Basheer, Nageshwara R. Chirravuri, Sastry V S M Durvasula, Ravi Govindasamy, Priyadarshini Koul, Ashish Kumar, Premkumar Manivannan, Sathish B. Muthukrishnan, Varun Sood, Sohail Zafar
  • Publication number: 20170357964
    Abstract: The systems may include receiving a token request for a transaction from a merchant, the token request comprising a consumer identifier associated with a consumer and a merchant identifier (MID) associated with the merchant, matching the MID with a token requestor identifier (TRID) assigned to the merchant, matching the consumer identifier with an account identifier associated with a transaction account of the consumer, generating a digital token comprising the TRID and the account identifier, and transmitting the digital token to the merchant.
    Type: Application
    Filed: June 8, 2016
    Publication date: December 14, 2017
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Vishnuvajhala V. Subrahmanyam, Andras L. Ferenczi, Yuval Refua, Sathish B. Muthukrishnan
  • Publication number: 20170300897
    Abstract: The systems may include transmitting wallet provider script to a payment service provider server, presenting an electronic wallet payment tool on a merchant checkout page, receiving a first selection of the electronic wallet payment tool, retrieving an electronic wallet comprised in a transaction account associated with the consumer, transmitting transaction account information associated with a desired transaction account in the electronic wallet to the payment service provider server, receiving a virtual token from the payment service provider server, and/or transmitting the virtual token to payment service provider script integrated in a browser used by the consumer.
    Type: Application
    Filed: April 14, 2016
    Publication date: October 19, 2017
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Andras L. Ferenczi, Vishnuvajhala V. Subrahmanyam, Yuval Refua, Sathish B. Muthukrishnan
  • Patent number: 9767467
    Abstract: The systems and methods provide an offer to a user that may be accepted by the user through an action by the user. The action may be, for example, a broadcast through a social media channel. The parameters of the offer may defined that the broadcast comprise an offer identifier and may require that a user take subsequent action to fulfill the offer. The systems and methods may also be configured to monitor one or more broadcast channels, identify the source of a broadcast, identify transaction accounts associated with the source, evaluate transaction data associated with the transaction account, and provide benefits to the source and/or the transaction account.
    Type: Grant
    Filed: March 2, 2012
    Date of Patent: September 19, 2017
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Luke Gebb, Sathish B. Muthukrishnan, Sripriya Tiku, David Wolf
  • Publication number: 20170228737
    Abstract: The systems and methods described herein generally relate to payment using biometric information. The systems and methods may comprise operations performed by a computer based system comprising various components. The operations may include receiving biometric information from a consumer as part of a transaction, identifying a consumer profile associated with the biometric information, identifying a consumer account associated with the biometric information and/or the consumer profile, analyzing the biometric information, authenticating the consumer in response to the analyzing the biometric information, and/or authorizing the transaction in response to the authenticating.
    Type: Application
    Filed: February 9, 2016
    Publication date: August 10, 2017
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Faraz Babar, Sathish B. Muthukrishnan
  • Patent number: 9576294
    Abstract: The systems and methods provide an offer to a user that may be accepted by the user through an action by the user. The action may be, for example, a broadcast through a social media channel. The parameters of the offer may defined that the broadcast comprise an offer identifier and may require that a user take subsequent action to fulfill the offer. The systems and methods may also be configured to monitor one or more broadcast channels, identify the source of a broadcast, identify transaction accounts associated with the source, evaluate transaction data associated with the transaction account, and provide benefits to the source and/or the transaction account.
    Type: Grant
    Filed: May 10, 2012
    Date of Patent: February 21, 2017
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Luke Gebb, Sathish B. Muthukrishnan, Sripriya Tiku, David Wolf
  • Publication number: 20160155165
    Abstract: The system may be configured to determine, via a verification and monitoring module, identity information for a user in a channel. The system may monitor activity information in the channel. The activity information may be analyzed to determine that the activity information corresponds to an activity associated with the user. The system may also analyze the activity information to determine that the activity information is associated with an item in the channel. The system may identify the item. The system may also initiate, via a transaction processing system, a transaction for the item in response to the analyzing the activity information.
    Type: Application
    Filed: February 8, 2016
    Publication date: June 2, 2016
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Faraz Babar, Sathish B. Muthukrishnan
  • Publication number: 20160048442
    Abstract: The system integrates transaction account issuers, merchants, and consumers. A transaction account issuer may provide one or more APIs to merchants. The transaction account issuer may provide a sandbox environment for merchants to test applications with the APIs. The transaction account issuer may provide documentation to assist the merchants in integrating with the transaction account issuer. The transaction account issuer may notify the merchants of any changes to the documentation.
    Type: Application
    Filed: August 13, 2014
    Publication date: February 18, 2016
    Applicant: American Express Travel Related Services Company Inc.
    Inventors: NAGESHWARA R. CHIRRAVURI, JOEL CO, SASTRY VSM DURVASULA, ANDRAS L. FERENCZI, SUDHAKAR GOPAL, AMIT K. GUPTA, SATHISH B. MUTHUKRISHNAN, SOHAIL ZAFAR
  • Publication number: 20150363833
    Abstract: A method comprises receiving, by a computer-based system for processing a transaction, a notification that a transaction account holder has taken an action, taking, in near real time, an action in response to the action taken by the transaction account holder, and/or communicating with a web-client associated with the transaction account holder in response to the action taken by the transaction account holder. The communicating with the web-client may occur in near real time.
    Type: Application
    Filed: June 17, 2014
    Publication date: December 17, 2015
    Inventors: Sibish Basheer, Nageshwara R. Chirravuri, Sastry VSM Durvasula, Ravi Govindasamy, Priyadarshini Koul, Ashish Kumar, Premkumar Manivannan, Sathish B. Muthukrishnan, Varun Sood, Sohail Zafar
  • Publication number: 20150339655
    Abstract: A method comprises transmitting, by a merchant web-client, a signal using a low energy consuming device, wherein the signal may be received by a transaction account holder web-client, wherein the signal may carry content associated with a merchant, and wherein the merchant is associated with the merchant web-client, and/or receiving, by the merchant web-client, a response from the transaction account holder web-client, wherein the response may be transmitted by the transaction account holder web-client to the merchant web-client using the low energy consuming device. The content may comprise an advertisement associated with an item offered for sale by the merchant.
    Type: Application
    Filed: May 22, 2014
    Publication date: November 26, 2015
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Sibish Neelikattil Basheerahammed, Sastry VSM Durvasula, Premkumar Manivannan, Anuj K. Mathur, Sathish B. Muthukrishnan, Philip Norman, Robert Wilmes, David M. Wolf
  • Publication number: 20130024259
    Abstract: A product level discount is managed during a transaction by receiving a transaction identifier associated with a transaction, where the transaction identifier comprises a transaction value, a customer account identifier, a merchant identifier, and a product identifier. A product identifier is assessed to determine whether the transaction qualifies for a rebate credit in accordance with a predetermined offer. A rebate credit value is based on the transaction information and the predetermined offer, and qualification may be determined based on at least one of the customer account identifier and the merchant identifier. The product identifier could be a SKU code, which may be the basis for qualifying for the rebate credit. A merchant associated with the merchant identifier, which is part of the transaction, does not need to be informed of the application of the rebate credit to the customer account, which occurs after completion of the transaction.
    Type: Application
    Filed: May 10, 2012
    Publication date: January 24, 2013
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: David M. Wolf, Lindsey C. Rhoads, Manjushri H. Puranik, Sherree Newhouse, Matthew James Miller, David William Boggess, Sathish B. Muthukrishnan, Charles Lafayette Kimes
  • Publication number: 20130024256
    Abstract: A product level discount is managed during a transaction by receiving a transaction identifier associated with a transaction, where the transaction identifier comprises a transaction value, a customer account identifier, a merchant identifier, and a product identifier. A product identifier is assessed to determine whether the transaction qualifies for a rebate credit in accordance with a predetermined offer. A rebate credit value is based on the transaction information and the predetermined offer, and qualification may be determined based on at least one of the customer account identifier and the merchant identifier. The product identifier could be a SKU code, which may be the basis for qualifying for the rebate credit. A merchant associated with the merchant identifier, which is part of the transaction, does not need to be informed of the application of the rebate credit to the customer account, which occurs after completion of the transaction.
    Type: Application
    Filed: July 22, 2011
    Publication date: January 24, 2013
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: David M. Wolf, Lindsey C. Rhoads, Manjushri H. Puranik, Sherree Newhouse, Matthew James Miller, David William Boggess, Sathish B. Muthukrishnan, Charles Lafayette Kimes
  • Publication number: 20120226545
    Abstract: The systems and methods provide an offer to a user that may be accepted by the user through an action by the user. The action may be, for example, a broadcast through a social media channel. The parameters of the offer may defined that the broadcast comprise an offer identifier and may require that a user take subsequent action to fulfill the offer, The systems and methods may also be configured to monitor one or more broadcast channels, identify the source of a broadcast, identify transaction accounts associated with the source, evaluate transaction data associated with the transaction account, and provide benefits to the source and/or the transaction account.
    Type: Application
    Filed: May 10, 2012
    Publication date: September 6, 2012
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Luke Gebb, Sathish B. Muthukrishnan, Sripriya Tiku, David Wolf
  • Publication number: 20120226530
    Abstract: The systems and methods provide an offer to a user that may be accepted by the user through an action by the user. The action may be, for example, a broadcast through a social media channel. The parameters of the offer may defined that the broadcast comprise an offer identifier and may require that a user take subsequent action to fulfill the offer. The systems and methods may also be configured to monitor one or more broadcast channels, identify the source of a broadcast, identify transaction accounts associated with the source, evaluate transaction data associated with the transaction account, and provide benefits to the source and/or the transaction account.
    Type: Application
    Filed: March 2, 2012
    Publication date: September 6, 2012
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Luke Gebb, Sathish B. Muthukrishnan, Sripriya Tiku, David Wolf