Patents by Inventor Sheila NARAYANAN

Sheila NARAYANAN 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: 10956959
    Abstract: A method for linking a transaction account to an offer includes: storing a plurality of account profiles, each profile including data related to a transaction account including an account identifier; receiving offer data from an entity, the data including data related to an offer for the purchase of goods or services; storing an offer data entry, the data entry including the offer data; generating an offer identifier associated with the offer data; transmitting the offer identifier to the entity; receiving an offer acceptance notification, the notification including a specific account identifier and the offer identifier; identifying a specific account profile that includes the specific account identifier; and updating at least one of the specific account profile and the offer data entry to indicate a linkage of the related transaction account to the offer data.
    Type: Grant
    Filed: January 9, 2018
    Date of Patent: March 23, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Jose-Luis Celorio-Martinez, Sheila Narayanan
  • Patent number: 10915939
    Abstract: A method for linking a transaction account to an offer includes: storing a plurality of account profiles, each profile including data related to a transaction account including an account identifier; receiving offer data from an entity, the data including data related to an offer for the purchase of goods or services; storing an offer data entry, the data entry including the offer data; generating an offer identifier associated with the offer data; transmitting the offer identifier to the entity; receiving an offer acceptance notification, the notification including a specific account identifier and the offer identifier; identifying a specific account profile that includes the specific account identifier; and updating at least one of the specific account profile and the offer data entry to indicate a linkage of the related transaction account to the offer data.
    Type: Grant
    Filed: January 9, 2018
    Date of Patent: February 9, 2021
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Jose-Luis Celorio-Martinez, Sheila Narayanan
  • Publication number: 20180144391
    Abstract: A method for linking a transaction account to an offer includes: storing a plurality of account profiles, each profile including data related to a transaction account including an account identifier; receiving offer data from an entity, the data including data related to an offer for the purchase of goods or services; storing an offer data entry, the data entry including the offer data; generating an offer identifier associated with the offer data; transmitting the offer identifier to the entity; receiving an offer acceptance notification, the notification including a specific account identifier and the offer identifier; identifying a specific account profile that includes the specific account identifier; and updating at least one of the specific account profile and the offer data entry to indicate a linkage of the related transaction account to the offer data.
    Type: Application
    Filed: January 9, 2018
    Publication date: May 24, 2018
    Applicant: Mastercard International Incorporated
    Inventors: Jose-Luis CELORIO-MARTINEZ, Sheila NARAYANAN
  • Patent number: 9892448
    Abstract: A method for linking a transaction account to an offer includes: storing a plurality of account profiles, each profile including data related to a transaction account including an account identifier; receiving offer data from an entity, the data including data related to an offer for the purchase of goods or services; storing an offer data entry, the data entry including the offer data; generating an offer identifier associated with the offer data; transmitting the offer identifier to the entity; receiving an offer acceptance notification, the notification including a specific account identifier and the offer identifier; identifying a specific account profile that includes the specific account identifier; and updating at least one of the specific account profile and the offer data entry to indicate a linkage of the related transaction account to the offer data.
    Type: Grant
    Filed: June 19, 2015
    Date of Patent: February 13, 2018
    Assignee: MASTERCARD INTERNATIONAL INCORPORATED
    Inventors: Jose-Luis Celorio-Martinez, Sheila Narayanan
  • Publication number: 20160371760
    Abstract: A method for linking a transaction account to an offer includes: storing a plurality of account profiles, each profile including data related to a transaction account including an account identifier; receiving offer data from an entity, the data including data related to an offer for the purchase of goods or services; storing an offer data entry, the data entry including the offer data; generating an offer identifier associated with the offer data; transmitting the offer identifier to the entity; receiving an offer acceptance notification, the notification including a specific account identifier and the offer identifier; identifying a specific account profile that includes the specific account identifier; and updating at least one of the specific account profile and the offer data entry to indicate a linkage of the related transaction account to the offer data.
    Type: Application
    Filed: June 19, 2015
    Publication date: December 22, 2016
    Applicant: MasterCard International Incorporated
    Inventors: Jose-Luis CELORIO-MARTINEZ, Sheila NARAYANAN
  • Publication number: 20160092908
    Abstract: A method for processing account and product linked offers includes: storing data related to a payment transaction including a transaction amount, product data associated with one or more products, and account data associated with a transaction account; transmitting an offer data request, wherein the offer request includes the stored product data and account data; receiving offer data in response to the transmitted offer data request, wherein the offer data includes a transaction modifier and is associated with the stored product data and account data; calculating a modified transaction amount based on the stored transaction amount and the transaction modifier included in the received offer data; and transmitting the calculated modified transaction amount and account data for use in processing a payment transaction.
    Type: Application
    Filed: September 26, 2014
    Publication date: March 31, 2016
    Applicant: MasterCard International Incorporated
    Inventors: Jose-Luis CELORIO-MARTINEZ, Sheila Narayanan
  • Publication number: 20140164119
    Abstract: A method for identifying a geographic location of a financial transaction includes: storing, in a merchant database, a plurality of merchant data entries, wherein each merchant data entry includes at least a merchant identifier and a geographic location; receiving, by a receiving device, an authorization request for a financial transaction, wherein the authorization request includes at least a plurality of data elements containing transaction information; identifying, by a processing device, a first data element in the plurality of data elements including a merchant identification; identifying, in the merchant database, a specific merchant data entry, wherein the merchant identifier of the specific merchant data entry corresponds to the merchant identification; transmitting, by a transmitting device, a reply to the authorization request; and transmitting, by the transmitting device, the geographic location included in the specific merchant data entry.
    Type: Application
    Filed: December 6, 2012
    Publication date: June 12, 2014
    Applicant: MasterCard International Incorpotated
    Inventors: Sheila NARAYANAN, Richard David D'ERIZANS, Christopher Andrew GUINEY, Maurice David LISCIA, Andrew St. John WOODWARD