Patents by Inventor Shubham Bijawat
Shubham Bijawat 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: 11823160Abstract: A system and computer-implemented method includes the operations of transmitting a cold reset signal to a multiple-funding source payment card and receiving a first answer-to-reset message therefrom. The first answer-to-reset message includes governing rules for performing a single-swipe transaction. The operation also includes receiving payment account details for a first payment account in accordance with the governing rules. A first PIN associated with the first payment account is input by a cardholder and a first payment authorization request message for approval of the single-swipe transaction is transmitted. Upon receipt of a payment declined response message, a warm reset signal is transmitted to the payment card. A second answer-to-reset message is received including payment account details for a second payment account.Type: GrantFiled: April 2, 2021Date of Patent: November 21, 2023Assignee: Mastercard International IncorporatedInventors: Vikas Bishnoi, Shubham Bijawat, Shubham Kumar
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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: 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: 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: 11132704Abstract: A method for redemption of an electronic voucher via blockchain includes: storing transaction data for a proposed payment transaction comprising a transaction amount; receiving an electronic voucher and a blockchain transaction identifier from a computing device, the voucher including payment credentials associated with a transaction account; receiving blockchain data associated with a blockchain including a transaction data value corresponding to the blockchain transaction identifier including a redemption amount; validating eligibility of the electronic voucher based on a comparison of the transaction data value to the stored transaction data; updating the stored transaction data based on the transaction data value, including updating the transaction amount based on the redemption amount; and transmitting the updated transaction data and the payment credentials included in the electronic voucher to a third party system.Type: GrantFiled: July 6, 2017Date of Patent: September 28, 2021Assignee: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Vikas Bishnoi, Navneet Kumar, Shubham Bijawat
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Publication number: 20210224777Abstract: A system and computer-implemented method includes the operations of transmitting a cold reset signal to a multiple-funding source payment card and receiving a first answer-to-reset message therefrom. The first answer-to-reset message includes governing rules for performing a single-swipe transaction. The operation also includes receiving payment account details for a first payment account in accordance with the governing rules. A first PIN associated with the first payment account is input by a cardholder and a first payment authorization request message for approval of the single-swipe transaction is transmitted. Upon receipt of a payment declined response message, a warm reset signal is transmitted to the payment card. A second answer-to-reset message is received including payment account details for a second payment account.Type: ApplicationFiled: April 2, 2021Publication date: July 22, 2021Applicant: Mastercard International IncorporatedInventors: Vikas Bishnoi, Shubham Bijawat, Shubham Kumar
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Patent number: 10990951Abstract: A system and computer-implemented method includes the operations of transmitting a cold reset signal to a multiple-funding source payment card and receiving a first answer-to-reset message therefrom. The first answer-to-reset message includes governing rules for performing a single-swipe transaction. The operation also includes receiving payment account details for a first payment account in accordance with the governing rules. A first PIN associated with the first payment account is input by a cardholder and a first payment authorization request message for approval of the single-swipe transaction is transmitted. Upon receipt of a payment declined response message, a warm reset signal is transmitted to the payment card. A second answer-to-reset message is received including payment account details for a second payment account.Type: GrantFiled: January 18, 2019Date of Patent: April 27, 2021Assignee: Mastercard International IncorporatedInventors: Vikas Bishnoi, Shubham Bijawat, Shubham Kumar
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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: 20200234269Abstract: A system and computer-implemented method includes the operations of transmitting a cold reset signal to a multiple-funding source payment card and receiving a first answer-to-reset message therefrom. The first answer-to-reset message includes governing rules for performing a single-swipe transaction. The operation also includes receiving payment account details for a first payment account in accordance with the governing rules. A first PIN associated with the first payment account is input by a cardholder and a first payment authorization request message for approval of the single-swipe transaction is transmitted. Upon receipt of a payment declined response message, a warm reset signal is transmitted to the payment card. A second answer-to-reset message is received including payment account details for a second payment account.Type: ApplicationFiled: January 18, 2019Publication date: July 23, 2020Applicant: Mastercard International IncorporatedInventors: Vikas Bishnoi, Shubham Bijawat, Shubham Kumar
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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: 20190287140Abstract: A method for valuation of a vehicle based on telematics includes: storing a plurality of vehicle profiles, each related to a vehicle including a vehicle value and associated telematics data points; receiving a plurality of telematics data points associated with a target vehicle; identifying a subset of vehicle profiles where there is a correspondence between the associated telematics data points and the received plurality of telematics data points; estimating a valuation of the target vehicle based on, for each vehicle profile in the subset, a combination of the vehicle value included in the respective vehicle profile and a level of similarity to the received plurality of telematics data points and the associated telematics data points; and transmitting the estimated valuation to an external computing device.Type: ApplicationFiled: March 19, 2018Publication date: September 19, 2019Applicant: MASTERCARD INTERNATIONAL INCORPORATEDInventors: Ankur ARORA, Shubham BIJAWAT, Jaipal Singh KUMAWAT, Avinash KUMAR, Avdhesh VYAS, Srishti GUPTA
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Publication number: 20190012695Abstract: A method for redemption of an electronic voucher via blockchain includes: storing transaction data for a proposed payment transaction comprising a transaction amount; receiving an electronic voucher and a blockchain transaction identifier from a computing device, the voucher including payment credentials associated with a transaction account; receiving blockchain data associated with a blockchain including a transaction data value corresponding to the blockchain transaction identifier including a redemption amount; validating eligibility of the electronic voucher based on a comparison of the transaction data value to the stored transaction data; updating the stored transaction data based on the transaction data value, including updating the transaction amount based on the redemption amount; and transmitting the updated transaction data and the payment credentials included in the electronic voucher to a third party system.Type: ApplicationFiled: July 6, 2017Publication date: January 10, 2019Applicant: Mastercard International IncorporatedInventors: Vikas BISHNOI, Navneet KUMAR, Shubham BIJAWAT
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Publication number: 20180253464Abstract: 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: ApplicationFiled: March 2, 2018Publication date: September 6, 2018Applicant: 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