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).
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Patent number: 11954160Abstract: 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: GrantFiled: May 8, 2017Date of Patent: April 9, 2024Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Balaji Balaraman, Sastry V S M Durvasula, Sathish B. Muthukrishnan, Harish Naik, Neha Singh
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Patent number: 11941627Abstract: 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: GrantFiled: March 24, 2022Date of Patent: March 26, 2024Assignee: American Express Travel Related Services Company, Inc.Inventors: Balaji Balaraman, Andras L. Ferenczi, Sathish B. Muthukrishnan, Harish R. Naik
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Publication number: 20230267469Abstract: The present disclosures presents system and methods for blockchain based payment networks. One such method comprises preparing, by a payment network, a request to complete a transaction from an digital currency account associated with a payer digital wallet for entry on a blockchain ledger, wherein the request to complete the transaction includes an amount and a payee address associated with a fiat currency account; sending the request to complete the transaction to the blockchain ledger; approving the request to complete the transaction; and adjusting a balance of the payer digital wallet and a balance of the fiat currency account in response to approval of the request to complete the transaction by writing the transaction comprising the amount and the payee address to the blockchain ledger, wherein a value of the digital currency substantially matches a value of the fiat currency.Type: ApplicationFiled: April 26, 2023Publication date: August 24, 2023Inventors: Sastry Durvasula, Andras Ferenczi, Upendra Mardikar, Keshav Narsipur, Vishnuvajhala Subrahmanyam, Sathish B. Muthukrishnan
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Patent number: 11669841Abstract: A payment network is operated with a blockchain-based ledger. In one embodiment, a request is prepared to complete a transaction from an account associated with a payer digital wallet for entry on a blockchain. The request includes an amount and a payee identifier associated with a payee digital wallet. The request is sent to the blockchain and approved. A balance of the payer digital wallet and a balance of the payee digital wallet are adjusted in response to approval of the request to complete the transaction by at least writing a portion of data associated with the transaction comprising the amount and the payee identifier to the blockchain. A reputation ledger associated with the account is recorded in the blockchain in association with the transaction. The reputation ledger includes at least one reputation score associated with at least one previous transaction conducted by the account.Type: GrantFiled: October 12, 2020Date of Patent: June 6, 2023Assignee: American Express Travel Related Services Company, Inc.Inventors: Sastry Durvasula, Andras Ferenczi, Upendra Mardikar, Keshav Narsipur, Vishnuvajhala Subrahmanyam, Sathish B. Muthukrishnan
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Publication number: 20220215389Abstract: 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: ApplicationFiled: March 24, 2022Publication date: July 7, 2022Inventors: Balaji Balaraman, Andras L. Ferenczi, Sathish B. Muthukrishnan, Harish R. Naik
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Publication number: 20210042758Abstract: A payment network is operated with a blockchain-based ledger. In one embodiment, a request is prepared to complete a transaction from an account associated with a payer digital wallet for entry on a blockchain. The request includes an amount and a payee identifier associated with a payee digital wallet. The request is sent to the blockchain and approved. A balance of the payer digital wallet and a balance of the payee digital wallet are adjusted in response to approval of the request to complete the transaction by at least writing a portion of data associated with the transaction comprising the amount and the payee identifier to the blockchain. A reputation ledger associated with the account is recorded in the blockchain in association with the transaction. The reputation ledger includes at least one reputation score associated with at least one previous transaction conducted by the account.Type: ApplicationFiled: October 12, 2020Publication date: February 11, 2021Inventors: Sastry Durvasula, Andras Ferenczi, Upendra Mardikar, Keshav Narsipur, Vishnuvajhala Subrahmanyam, Sathish B. Muthukrishnan
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Patent number: 10832247Abstract: A system for operating a payment network with a blockchain-based ledger may prepare a request to complete a transaction from an account associated with a payer digital wallet for entry on the blockchain. The request may include an amount and payee address associated with a payee digital wallet. The system may also send the request to the blockchain using a blockchain interface. The system may approve or decline the request. The system may further adjust a balance of the payer a balance of the payee to reflect approval of the request. The adjustment may include writing the transaction to the blockchain.Type: GrantFiled: September 15, 2016Date of Patent: November 10, 2020Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Sastry Durvasula, Andras Ferenczi, Upendra Mardikar, Keshav Narsipur, Vishnuvajhala Subrahmanyam, Sathish B. Muthukrishnan
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Patent number: 10755267Abstract: 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: GrantFiled: June 8, 2016Date of Patent: August 25, 2020Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Vishnuvajhala V. Subrahmanyam, Andras L. Ferenczi, Yuval Refua, Sathish B. Muthukrishnan
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Patent number: 10664883Abstract: 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: GrantFiled: February 8, 2016Date of Patent: May 26, 2020Assignee: American Express Travel Related Services Company, Inc.Inventors: Faraz Babar, Sathish B. Muthukrishnan
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Patent number: 10497027Abstract: 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: GrantFiled: February 26, 2018Date of Patent: December 3, 2019Assignee: 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
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Publication number: 20190340598Abstract: 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: ApplicationFiled: July 15, 2019Publication date: November 7, 2019Applicant: 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
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Patent number: 10395237Abstract: 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: GrantFiled: May 22, 2014Date of Patent: August 27, 2019Assignee: 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
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Publication number: 20190164157Abstract: 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: ApplicationFiled: November 28, 2017Publication date: May 30, 2019Applicant: American Express Travel Related Services Company, Inc.Inventors: Balaji Balaraman, Andras L. Ferenczi, Sathish B. Muthukrishnan, Harish R. Naik
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Publication number: 20180322205Abstract: 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: ApplicationFiled: May 8, 2017Publication date: November 8, 2018Applicant: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Balaji Balaraman, Sastry VSM Durvasula, Sathish B. Muthukrishnan, Harish Naik, Neha Singh
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Publication number: 20180181998Abstract: 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: ApplicationFiled: February 26, 2018Publication date: June 28, 2018Applicant: 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
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Patent number: 9934517Abstract: 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: GrantFiled: June 17, 2014Date of Patent: April 3, 2018Assignee: 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
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Publication number: 20170357964Abstract: 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: ApplicationFiled: June 8, 2016Publication date: December 14, 2017Applicant: American Express Travel Related Services Company, Inc.Inventors: Vishnuvajhala V. Subrahmanyam, Andras L. Ferenczi, Yuval Refua, Sathish B. Muthukrishnan
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Publication number: 20170300897Abstract: 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: ApplicationFiled: April 14, 2016Publication date: October 19, 2017Applicant: American Express Travel Related Services Company, Inc.Inventors: Andras L. Ferenczi, Vishnuvajhala V. Subrahmanyam, Yuval Refua, Sathish B. Muthukrishnan
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Patent number: 9767467Abstract: 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: GrantFiled: March 2, 2012Date of Patent: September 19, 2017Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.Inventors: Luke Gebb, Sathish B. Muthukrishnan, Sripriya Tiku, David Wolf
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Publication number: 20170228737Abstract: 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: ApplicationFiled: February 9, 2016Publication date: August 10, 2017Applicant: American Express Travel Related Services Company, Inc.Inventors: Faraz Babar, Sathish B. Muthukrishnan