Patents by Inventor Uttam Nayak
Uttam Nayak 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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Publication number: 20240137334Abstract: A method is disclosed. The method includes receiving, from a receiver institution computer, an interaction request message for an interaction with a sender identifier associated with a sender and interaction details. The method also includes transmitting a plurality of notifications comprising the sender identifier to a plurality of sender institution computers. The method also includes receiving a plurality of responses from the plurality of sender institution computers, one or more responses indicating that the sender identifier is stored at the sender institution computers, and then providing the interaction details and/or additional interaction details to one or more of the sender institution computers that store the sender identifier.Type: ApplicationFiled: October 17, 2023Publication date: April 25, 2024Applicant: Visa International Service AssociationInventors: Ivan Ponomarov, Keith Stephen Brindley, Ranveer Raj Jain, Volodymyr Ivanovich Bilous, Hema Mestha, Oleksandr Nikolayevich Yablunivskyy, Koni Uttam Nayak, Harsha Sathyanarayana Naga
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Publication number: 20240037522Abstract: Systems and methods for processing a financial transaction are provided. In a method conducted at an issuing server computer associated with a first entity, a transaction request message is transmitted to an acquiring server computer associated with a second entity. The transaction request message is in respect of a push transaction in which funds from the first entity are transferred to the second entity and includes a first set of data elements. In response to transmitting the transaction request message, a transaction response message and a second set of data elements are received. The second set of data elements are associated with the first set of data elements and the financial transaction is processed using information contained in the first set of data elements and the second set of data elements.Type: ApplicationFiled: October 5, 2023Publication date: February 1, 2024Applicant: Visa International Service AssociationInventors: Koni Uttam Nayak, Ashish Kulpati, Pankaj Rajurkar, Glenn Leon Powell
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Patent number: 11810085Abstract: Systems and methods for processing a financial transaction are provided. In a method conducted at an issuing server computer associated with a first entity, a transaction request message is transmitted to an acquiring server computer associated with a second entity. The transaction request message is in respect of a push transaction in which funds from the first entity are transferred to the second entity and includes a first set of data elements. In response to transmitting the transaction request message, a transaction response message and a second set of data elements are received. The second set of data elements are associated with the first set of data elements and the financial transaction is processed using information contained in the first set of data elements and the second set of data elements.Type: GrantFiled: June 9, 2021Date of Patent: November 7, 2023Assignee: Visa International Service AssociationInventors: Koni Uttam Nayak, Ashish Kulpati, Pankaj Rajurkar, Glenn Leon Powell
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Publication number: 20210357885Abstract: Systems and methods for processing a financial transaction are provided. In a method conducted at an issuing server computer associated with a first entity, a transaction request message is transmitted to an acquiring server computer associated with a second entity. The transaction request message is in respect of a push transaction in which funds from the first entity are transferred to the second entity and includes a first set of data elements. In response to transmitting the transaction request message, a transaction response message and a second set of data elements are received. The second set of data elements are associated with the first set of data elements and the financial transaction is processed using information contained in the first set of data elements and the second set of data elements.Type: ApplicationFiled: June 9, 2021Publication date: November 18, 2021Inventors: Koni Uttam Nayak, Ashish Kulpati, Pankaj Rajurkar, Glenn Leon Powell
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Patent number: 11062281Abstract: Systems and methods for processing a financial transaction are provided. In a method conducted at an issuing server computer associated with a first entity, a transaction request message is transmitted to an acquiring server computer associated with a second entity. The transaction request message is in respect of a push transaction in which funds from the first entity are transferred to the second entity and includes a first set of data elements. In response to transmitting the transaction request message, a transaction response message and a second set of data elements are received. The second set of data elements are associated with the first set of data elements and the financial transaction is processed using information contained in the first set of data elements and the second set of data elements.Type: GrantFiled: October 6, 2015Date of Patent: July 13, 2021Assignee: Visa International Service AssociationInventors: Koni Uttam Nayak, Ashish Kulpati, Pankaj Rajurkar, Glenn Leon Powell
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Publication number: 20210049560Abstract: A new processing method is disclosed. The processing method includes receiving by a server computer, an update request message from a first authorizing computer for an interaction between two users. The update may be a transfer of interaction value from a first user to a second user, and may include such interaction details as the interaction value and information for a one-way token. The server computer may parse the update request message to determine the one-way token, and may determine a second account of the second user from the token. The server computer may determine a second authorizing computer associated with the second account, and may modify the update request message to include a second user account identifier as well as value adjustments based on calculated interaction velocities. The server computer may forward the update request message to the second authorizing computer for updating the account accordingly.Type: ApplicationFiled: March 8, 2018Publication date: February 18, 2021Inventors: Ashish Kulpati, Pankaj Rajurkar, Shantnu Singh, Vikram Modi, Koni Uttam Nayak
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Publication number: 20180276667Abstract: A system and a method in which supplemental information related to a first entity of a transaction is provided to a second entity of the transaction are provided. In a method conducted at an authorization server associated with the user, a transaction message including an amount associated with the transfer of funds, an account identifier of the recipient, and an access credential of the user is received from a mobile device of the user. In some embodiments, if a permission indication indicates that the requested supplemental information may be shared with the recipient, a transaction request message is generated including the amount, the account identifier and the requested supplemental information. A response message is transmitted for receipt by a transport computer associated with the recipient for processing the transaction and conditional forwarding of the requested supplemental information to the recipient.Type: ApplicationFiled: November 22, 2016Publication date: September 27, 2018Inventors: Pankaj Rajurkar, Ashish Kulpati, Koni Uttam Nayak, Gurumoorthy Hariharan
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Publication number: 20170270494Abstract: Systems and methods for processing a financial transaction are provided. In a method conducted at an issuing server computer associated with a first entity, a transaction request message is transmitted to an acquiring server computer associated with a second entity. The transaction request message is in respect of a push transaction in which funds from the first entity are transferred to the second entity and includes a first set of data elements. In response to transmitting the transaction request message, a transaction response message and a second set of data elements are received. The second set of data elements are associated with the first set of data elements and the financial transaction is processed using information contained in the first set of data elements and the second set of data elements.Type: ApplicationFiled: October 6, 2015Publication date: September 21, 2017Inventors: Koni Uttam Nayak, Ashish Kulpati, Pankaj Rajurkar, Glenn Leon Powell
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Publication number: 20170148013Abstract: E-commerce personal account numbers, shipping addresses, and other data may be tokenized to facilitate transaction completion by establishing e-commerce browser standards. Tag data may be received from a website associated with an e-commerce transaction. The tag data may include an indication that a merchant payment webpage is configured to receive a payment transaction via a token. Tokens may then be created from a personal account number and a shipping address corresponding to the personal account number in response to a request for token data.Type: ApplicationFiled: November 23, 2016Publication date: May 25, 2017Inventors: PANKAJ RAJURKAR, Ashish Kulpati, Koni Uttam Nayak, Gurumoorthy Hariharan, Aparna Krishnan Girish, Parveen Bansal, Michelle Scurrah
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Publication number: 20140379361Abstract: The healthcare prepaid payment platform apparatuses, methods and systems (hereinafter “HPP-Platform”) transforms patient insurance information, and healthcare procedure schedule information inputs via HPP-Platform components into medical claim settlement outputs. In one embodiment, a healthcare insurance pre-authorization request including healthcare procedure schedule information and user insurance information; receiving an indication of insurance approval of an insured amount from an insurance provider; loading an insurance approved amount into a prepaid account of the user prior to the healthcare procedure; receiving a payment request using the loaded prepaid account towards a medical bill after the healthcare procedure is performed; transferring the loaded insurance approved amount in the prepaid account to a healthcare provider in response to the payment request; and generating a transaction record including the pre-approved amount and the transferred amount.Type: ApplicationFiled: January 13, 2012Publication date: December 25, 2014Inventors: Shilpak Mahadkar, Aleema Seadath, Madhu Rangarajan, Uttam Nayak