Patents by Inventor Sivakumar Seshappan

Sivakumar Seshappan 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).

  • Systems and methods using a data structure summarizing item information in authorization request messages for communication in transactions involving multiple items
    Patent number: 11328302
    Abstract: A system and method includes an authorization request message configured with information about transaction amounts of items aggregated according to item categories and applicable rates for the items in the respective categories. Based on the information provided in the authorization request, a transaction handler is configured to compute a modified transaction amount for the transaction by reducing the transaction amount of items in one or more of the categories, without reducing the transaction amount(s) of items in one or more other categories, and computing a total transaction amount based on the reduction and the applicable rates.
    Type: Grant
    Filed: October 28, 2020
    Date of Patent: May 10, 2022
    Assignee: Visa International Service Association
    Inventors: Ilker Celikyilmaz, Sivakumar Seshappan, Kalpana Jogi, Tirtha Mauli Sarkar, Darpan Dewan, Thoithoi Chingakham, Michael Steven Bankston, Raman Chinnappan
  • Systems and Methods Using a Data Structure Summarizing Item Information in Authorization Request Messages for Communication in Transactions Involving Multiple Items
    Publication number: 20210073814
    Abstract: A system and method includes an authorization request message configured with information about transaction amounts of items aggregated according to item categories and applicable rates for the items in the respective categories. Based on the information provided in the authorization request, a transaction handler is configured to compute a modified transaction amount for the transaction by reducing the transaction amount of items in one or more of the categories, without reducing the transaction amount(s) of items in one or more other categories, and computing a total transaction amount based on the reduction and the applicable rates.
    Type: Application
    Filed: October 28, 2020
    Publication date: March 11, 2021
    Inventors: Ilker Celikyilmaz, Sivakumar Seshappan, Kalpana Jogi, Tirtha Mauli Sarkar, Darpan Dewan, Thoithoi Chingakham, Michael Steven Bankston, Raman Chinnappan
  • Systems and methods using a data structure summarizing item information in authorization request messages for communication in transactions involving multiple items
    Patent number: 10846703
    Abstract: A system and method includes an authorization request message configured with information about transaction amounts of items aggregated according to item categories and applicable rates for the items in the respective categories. Based on the information provided in the authorization request, a transaction handler is configured to compute a modified transaction amount for the transaction by reducing the transaction amount of items in one or more of the categories, without reducing the transaction amount(s) of items in one or more other categories, and computing a total transaction amount based on the reduction and the applicable rates.
    Type: Grant
    Filed: November 14, 2018
    Date of Patent: November 24, 2020
    Assignee: Visa International Service Association
    Inventors: Ilker Celikyilmaz, Sivakumar Seshappan, Raman Chinnappan, Kalpana Jogi, Tirtha Mauli Sarkar, Darpan Dewan, Thoithoi Chingakham, Michael Steven Bankston
  • Systems and Methods Using a Data Structure Summarizing Item Information in Authorization Request Messages for Communication in Transactions Involving Multiple Items
    Publication number: 20190080324
    Abstract: A system and method includes an authorization request message configured with information about transaction amounts of items aggregated according to item categories and applicable rates for the items in the respective categories. Based on the information provided in the authorization request, a transaction handler is configured to compute a modified transaction amount for the transaction by reducing the transaction amount of items in one or more of the categories, without reducing the transaction amount(s) of items in one or more other categories, and computing a total transaction amount based on the reduction and the applicable rates.
    Type: Application
    Filed: November 14, 2018
    Publication date: March 14, 2019
    Inventors: Ilker Celikyilmaz, Sivakumar Seshappan, Raman Chinnappan, Kalpana Jogi, Tirtha Mauli Sarkar, Darpan Dewan, Thoithoi Chingakham, Michael Steven Bankston
  • Systems and methods using a data structure summarizing item information in authorization request messages for communication in transactions involving multiple items
    Patent number: 10163106
    Abstract: A system and method includes an authorization request message configured with information about transaction amounts of items aggregated according to item categories and applicable rates for the items in the respective categories. Based on the information provided in the authorization request, a transaction handler is configured to compute a modified transaction amount for the transaction by reducing the transaction amount of items in one or more of the categories, without reducing the transaction amount(s) of items in one or more other categories, and computing a total transaction amount based on the reduction and the applicable rates.
    Type: Grant
    Filed: April 7, 2015
    Date of Patent: December 25, 2018
    Assignee: Visa International Service Association
    Inventors: Ilker Celikyilmaz, Sivakumar Seshappan, Raman Chinnappan, Kalpana Jogi, Tirtha Mauli Sarkar, Darpan Dewan, Thoithoi Chingakham, Michael Steven Bankston
  • SYSTEMS AND METHODS USING A DATA STRUCTURE SUMMARIZING ITEM INFORMATION IN AUTHORIZATION REQUEST MESSAGES FOR COMMUNICATION IN TRANSACTIONS INVOLVING MULTIPLE ITEMS
    Publication number: 20150287034
    Abstract: A system and method includes an authorization request message configured with information about transaction amounts of items aggregated according to item categories and applicable rates for the items in the respective categories. Based on the information provided in the authorization request, a transaction handler is configured to compute a modified transaction amount for the transaction by reducing the transaction amount of items in one or more of the categories, without reducing the transaction amount(s) of items in one or more other categories, and computing a total transaction amount based on the reduction and the applicable rates.
    Type: Application
    Filed: April 7, 2015
    Publication date: October 8, 2015
    Inventors: Ilker Celikyilmaz, Sivakumar Seshappan, Raman Chinnappan, Kalpana Jogi, Tirtha Mauli Sarkar, Darpan Dewan, Thoithoi Chingakham, Michael Steven Bankston
  • Fraud prevention based on risk assessment rule
    Publication number: 20090106151
    Abstract: A system, method, and computer-readable storage medium configured to import fraud prevention rules from an issuer and implement them in real-time at a payment processor. Usually, a card issuing bank either approves or declines financial transaction; however, in embodiments of the present invention, the issuing bank creates fraud prevention rules, and the payment processor implements the created rules. A payment processor apparatus comprises a network interface, and a verification engine. The verification engine includes a transaction driver, and a real time decisioning processor. The network interface is configured to receive a fraud prevention rule from a payment card issuing bank, and to receive a proposed financial transaction from an acquiring bank. The transaction driver receives the fraud prevention rule.
    Type: Application
    Filed: October 17, 2007
    Publication date: April 23, 2009
    Inventors: Mark Allen Nelsen, Nancy Therese Hilgers, Karl Newland, Frederick Liu, Roger Paul Morrison, Andrew Brendan Carpenter, Sivakumar Seshappan, Craig M. Kato, Alan Scott