Patents by Inventor Shreya Mittal
Shreya Mittal 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: 11632369Abstract: A method for using the active connection of connected devices for additional security in the conveyance of sensitive data from a computing device includes: storing sensitive data; storing one or more device identifiers, wherein each device identifier is associated with a connected device separate from the computing device; receiving a user instruction requesting use of the sensitive data; detecting one or more active communication channels between the computing device and external connected devices; identifying, for each of the detected one or more active communication channels, a device identifier associated with the respective external connected device; verifying that at least one of the identified device identifiers is included in the one or more stored device identifiers; and transmitting the sensitive data after the verification.Type: GrantFiled: January 29, 2019Date of Patent: April 18, 2023Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Nishant Maheshwari, Shreya Mittal, Shubham Bijawat
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Patent number: 11468444Abstract: A method for transaction initiation with a bypass of merchant systems includes: storing a consumer public key and a blockchain comprised of a plurality of blocks, each block being comprised of a block header and data values, each block header including a block timestamp, and each data value including a unique transaction identifier; receiving a data message originating from a merchant system including a specific transaction identifier, a transaction timestamp, and transaction data; identifying a specific data value in a specific block that includes the specific transaction identifier; verifying that the block timestamp in the specific block is within a predetermined period of time of the transaction timestamp; identifying payment credentials associated with a user transaction account corresponding to the specific data value; and initiating a payment transaction between the merchant system and the transaction account using the identified payment credentials and transaction data.Type: GrantFiled: December 18, 2017Date of Patent: October 11, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Shreya Mittal, Nishant Maheshwari, Ankur Arora
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Publication number: 20220277027Abstract: A method for improving consensus in a blockchain network through decentralized grouping includes: identifying, by each node of a plurality of nodes in a blockchain network that manages a blockchain, a plurality of groups, where each is comprised of a subset of nodes; generating, by each node in each subset of nodes, a new block for the blockchain; performing, by each subset of nodes, a first consensus operation among all nodes in the subset of nodes for the new block generated by in the subset of nodes to identify a group consensus block, where each node in the subset of nodes receives the group's group consensus block; and performing, by the blockchain network, a second consensus operation among all groups for the identified group consensus block to identify an overall consensus block, where a majority of groups of the plurality of groups receives the overall consensus block.Type: ApplicationFiled: May 20, 2022Publication date: September 1, 2022Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ankur ARORA, Jaipal Singh KUMAWAT, Blessy VOHRA, Ved Pratap Singh CHAUHAN, Shubham JAIN, Shreya MITTAL
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Patent number: 11257078Abstract: A method for conveying a one-time password using blockchain includes: receiving proposed transaction data from a merchant system including payment credentials, receiving account details, and a transaction amount; identifying user account data associated with the payment credentials including an account identifier; identifying a one-time password; transmitting the one-time password and account identifier to a third party system; receiving a data identification value from an external computing device; identifying a blockchain data value included in a blockchain including a password value based on the received data identification value; validating, the identified one-time password based on the password value; and initiating payment of the transaction amount from a first transaction account associated with the payment credentials to a second transaction account associated with the receiving account details upon validation of the identified one-time password.Type: GrantFiled: August 20, 2018Date of Patent: February 22, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Shreya Mittal, Deepak Yadav, Amit Gupta
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Patent number: 11249977Abstract: A method for verified data storage via blockchain includes: storing a blockchain comprised of a plurality of blocks, each comprised of a block header and a plurality of transaction values, the block header including a timestamp; receiving a transaction notification including an entity identifier and data values; validating the data values based on a validation notification received from a verifying entity; generating a new block header comprised of a current timestamp, a block reference value, and a transaction reference value, the block reference value being generated via hashing of the block header included in a most recent block based on the timestamp, and the transaction reference value being generated via hashing of new transaction values including the data values; generating a new block comprised of the generated new block header and the new transaction values; and transmitting the new block to a node associated with the blockchain.Type: GrantFiled: March 2, 2018Date of Patent: February 15, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Manoneet Kohli, Rick Unnerstall, Ankur Arora, Shuvam Sengupta, Pulkit Gupta, Nishant Maheshwari, Shreya Mittal, Manish Kumar, Vikas Bishnoi, Shubham Bijawat, Jaipal Singh Kumawat, Navneet Kumar, Lakshmi Sushma Daggubati, Sri Chaitanya Sanaboina, Deepak Yadav
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Patent number: 11233792Abstract: A method for secure storage and distribution of account tokens includes: storing blockchain data comprised of a plurality of blocks, each block including at least a block header and one or more data values, where each data value includes at least an identification value, an account token, and one or more usage rules; receiving a login request including at least a specific identification value and a set of credentials; identifying a specific data value included in the blockchain data where the included identification value corresponds to the received specific identification value; validating the set of credentials based on the identified specific data value and access to the account token included in the specific data value based on the included one or more usage rules; and transmitting the account token included in the identified specific data value in response to the login request upon successful validation.Type: GrantFiled: May 2, 2018Date of Patent: January 25, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Shreya Mittal, Amit Gupta, Ankur Arora
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Patent number: 11227274Abstract: A payment network server for processing a cashless payment transaction via a point-of-sale (POS) terminal associated with a merchant server is described.Type: GrantFiled: November 25, 2019Date of Patent: January 18, 2022Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ankur Arora, Shreya Mittal, Shubham Bijawat, Vikas Bishnoi
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Patent number: 11200606Abstract: System and method for facilitating purchase of products from a plurality of different merchants. The system includes a payment processor module that is in communication with a first e-commerce platform associated with a first merchant and a second e-commerce platform associated with a second merchant. The payment processor module is configured to receive data comprising: first product information relating to a first product to be purchased by a customer through the first e-commerce platform; and second product information relating to a second product to be purchased by the customer through the second e-commerce platform. The data is received in real-time without delay after the customer provides an indication of intent to purchase the first and the second products. The payment processor module is further configured to initiate a single transaction based on the data that is received, wherein the single transaction corresponds to the purchase of the first and the second products by the customer.Type: GrantFiled: September 11, 2018Date of Patent: December 14, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Shreya Mittal, Nishant Maheshwari, Navneet Kumar
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Patent number: 10839397Abstract: A method for contextual authentication based on computing devices includes: storing an account profile related to a transaction account including an account identifier and a timestamp and a device geolocation for at least two computing devices; receiving an authorization request for a payment transaction including the account identifier, a transaction geographic location, and a transaction time; identifying an authentication score for the payment transaction based on a comparison of the transaction time and transaction geographic location to the timestamp and device geographic location for each of the at least two computing devices; and transmitting the identified authentication score and received authorization request to a financial institution associated with the transaction account.Type: GrantFiled: September 6, 2018Date of Patent: November 17, 2020Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ankur Arora, Amit Gupta, Shreya Mittal
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Publication number: 20200244654Abstract: A method for using the active connection of connected devices for additional security in the conveyance of sensitive data from a computing device includes: storing sensitive data; storing one or more device identifiers, wherein each device identifier is associated with a connected device separate from the computing device; receiving a user instruction requesting use of the sensitive data; detecting one or more active communication channels between the computing device and external connected devices; identifying, for each of the detected one or more active communication channels, a device identifier associated with the respective external connected device; verifying that at least one of the identified device identifiers is included in the one or more stored device identifiers; and transmitting the sensitive data after the verification.Type: ApplicationFiled: January 29, 2019Publication date: July 30, 2020Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Nishant Maheshwari, Shreya Mittal, Shubham Bijawat
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Publication number: 20200167753Abstract: A payment network server for processing a cashless payment transaction via a point-of-sale (POS) terminal associated with a merchant server is described.Type: ApplicationFiled: November 25, 2019Publication date: May 28, 2020Inventors: Ankur ARORA, Shreya MITTAL, Shubham BIJAWAT, Vikas BISHNOI
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Publication number: 20200082401Abstract: A method for contextual authentication based on computing devices includes: storing an account profile related to a transaction account including an account identifier and a timestamp and a device geolocation for at least two computing devices; receiving an authorization request for a payment transaction including the account identifier, a transaction geographic location, and a transaction time; identifying an authentication score for the payment transaction based on a comparison of the transaction time and transaction geographic location to the timestamp and device geographic location for each of the at least two computing devices; and transmitting the identified authentication score and received authorization request to a financial institution associated with the transaction account.Type: ApplicationFiled: September 6, 2018Publication date: March 12, 2020Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ankur Arora, Amit Gupta, Shreya Mittal
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Publication number: 20200058021Abstract: A method for conveying a one-time password using blockchain includes: receiving proposed transaction data from a merchant system including payment credentials, receiving account details, and a transaction amount; identifying user account data associated with the payment credentials including an account identifier; identifying a one-time password; transmitting the one-time password and account identifier to a third party system; receiving a data identification value from an external computing device; identifying a blockchain data value included in a blockchain including a password value based on the received data identification value; validating, the identified one-time password based on the password value; and initiating payment of the transaction amount from a first transaction account associated with the payment credentials to a second transaction account associated with the receiving account details upon validation of the identified one-time password.Type: ApplicationFiled: August 20, 2018Publication date: February 20, 2020Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Shreya Mittal, Deepak Yadav, Amit Gupta
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Publication number: 20190342290Abstract: A method for secure storage and distribution of account tokens includes: storing blockchain data comprised of a plurality of blocks, each block including at least a block header and one or more data values, where each data value includes at least an identification value, an account token, and one or more usage rules; receiving a login request including at least a specific identification value and a set of credentials; identifying a specific data value included in the blockchain data where the included identification value corresponds to the received specific identification value; validating the set of credentials based on the identified specific data value and access to the account token included in the specific data value based on the included one or more usage rules; and transmitting the account token included in the identified specific data value in response to the login request upon successful validation.Type: ApplicationFiled: May 2, 2018Publication date: November 7, 2019Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Shreya Mittal, Amit Gupta, Ankur Arora
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Publication number: 20190188710Abstract: A method for transaction initiation with a bypass of merchant systems includes: storing a consumer public key and a blockchain comprised of a plurality of blocks, each block being comprised of a block header and data values, each block header including a block timestamp, and each data value including a unique transaction identifier; receiving a data message originating from a merchant system including a specific transaction identifier, a transaction timestamp, and transaction data; identifying a specific data value in a specific block that includes the specific transaction identifier; verifying that the block timestamp in the specific block is within a predetermined period of time of the transaction timestamp; identifying payment credentials associated with a user transaction account corresponding to the specific data value; and initiating a payment transaction between the merchant system and the transaction account using the identified payment credentials and transaction data.Type: ApplicationFiled: December 18, 2017Publication date: June 20, 2019Applicant: Mastercard International IncorporatedInventors: Shreya MITTAL, Nishant MAHESHWARI, Ankur ARORA
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Publication number: 20190180285Abstract: The present application provides systems and methods for for facilitating secure payer-agnostic payments. The systems comprise a server for facilitating secure payer-agnostic payments. The server comprises: at least one processor; and at least one memory including computer program code; the at least one memory and the computer program code configured to, with the at least one processor, cause the server at least to: generate a payment request for a purchase transaction made by a first user, the payment request including at least a purchase identifier associated with the purchase transaction and a unique identifier associated with a second user to pay for the purchase transaction, the purchase identifier including at least a payment amount for the purchase transaction; and transmit the payment request to the second user based on the unique identifier associated with the second user.Type: ApplicationFiled: December 6, 2018Publication date: June 13, 2019Applicant: Mastercard International IncorporatedInventors: Shreya Mittal, Manish Kumar, Randhir Kumar
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Publication number: 20190172027Abstract: A payment facilitation system for facilitating payment for a transaction, the system comprising one or more processors in communication with non-transitory data storage medium having instructions stored thereon which, when executed by the processor or processors, configure the system to perform the steps of: receiving a check-in notification from a social media system, the notification including customer identification data for one or more customers and merchant identification data; identifying a merchant terminal, the merchant terminal being a merchant terminal of a merchant associated with the merchant identification data; sending an enabled payment notification to the merchant terminal, the enabled payment notification comprising a group identifier associated with the one or more customers; receiving an invoice notification from the merchant terminal, the invoice notification comprising transaction data for the transaction and the group identifier; sending the transaction data to one or more customer devicType: ApplicationFiled: November 16, 2018Publication date: June 6, 2019Applicant: Mastercard International IncorporatedInventors: Ankur Arora, Shreya Mittal, Manish Kumar
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Publication number: 20190156372Abstract: The present disclosure generally relates to an electronic system, a computerized method, and a non-transitory computer-readable storage medium for advertisement pricing. The system comprises a host server configured for performing steps of the method comprising: identifying a locality for displaying an advertisement; receiving traffic observation data from one or more traffic servers; generating vehicular traffic data based on the traffic observation data, the vehicular traffic data indicative of vehicular traffic activity in the locality; and performing an advertisement pricing process based on at least the vehicular traffic data to determine advertisement prices for displaying the advertisement in the locality.Type: ApplicationFiled: November 16, 2018Publication date: May 23, 2019Inventors: Ajay Nehra, Deepak Yadav, Shreya Mittal
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Publication number: 20190080376Abstract: System and method for facilitating purchase of products from a plurality of different merchants. The system includes a payment processor module that is in communication with a first e-commerce platform associated with a first merchant and a second e-commerce platform associated with a second merchant. The payment processor module is configured to receive data comprising: first product information relating to a first product to be purchased by a customer through the first e-commerce platform; and second product information relating to a second product to be purchased by the customer through the second e-commerce platform. The data is received in real-time without delay after the customer provides an indication of intent to purchase the first and the second products. The payment processor module is further configured to initiate a single transaction based on the data that is received, wherein the single transaction corresponds to the purchase of the first and the second products by the customer.Type: ApplicationFiled: September 11, 2018Publication date: March 14, 2019Applicant: Mastercard International IncorporatedInventors: Shreya Mittal, Nishant Maheshwari, Navneet Kumar
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Publication number: 20180357629Abstract: The present disclosure generally relates to an electronic system, a computerized method, and a non-transitory computer-readable storage medium for distributed payment of a transaction between a merchant and a group of customers. Each customer has an electronic device linked to a payment instrument of the customer, and the method is implemented on a first electronic device of a first customer in the group of customers.Type: ApplicationFiled: June 12, 2018Publication date: December 13, 2018Applicant: Mastercard International IncorporatedInventors: Nishant Maheshwari, Ankur Arora, Shreya Mittal, Manish Kumar