Patents by Inventor Vijay K. Royyuru

Vijay K. Royyuru 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).

  • Publication number: 20210150504
    Abstract: Systems and methods for handling tokens. In one aspect, a token is intercepted by a data processor and a contact is made with a detokenization provider by the data processor. In another aspect, token service is aggregated. In another aspect, tokenization is extended to physical cards, to deter certain kinds of fraud.
    Type: Application
    Filed: January 29, 2021
    Publication date: May 20, 2021
    Applicant: First Data Corporation
    Inventors: Benjamin Rewis, Vijay K. Royyuru, Christopher T. Cox
  • Patent number: 10949826
    Abstract: Systems and methods for handling tokens. In one aspect, a token is intercepted by a data processor and a contact is made with a detokenization provider by the data processor. In another aspect, token service is aggregated. In another aspect, tokenization is extended to physical cards, to deter certain kinds of fraud.
    Type: Grant
    Filed: March 9, 2016
    Date of Patent: March 16, 2021
    Assignee: First Data Corporation
    Inventors: Benjamin Rewis, Vijay K. Royyuru, Christopher T. Cox
  • Publication number: 20200202320
    Abstract: A method of remotely activating a transaction device includes receiving, at a computing system, a mobile device identifier from a mobile application executed on a mobile device. A selection of the transaction device is received from the application. The selection includes an identifier of the transaction device. A selection of a transaction amount related to purchase of a product is received from the application. An authorization request for a payment account associated with the mobile device is communicated to an issuer of the payment account. The authorization request is for a transaction of at least the transaction amount. An authorization approval for the transaction is received from the issuer and a signal to activate the transaction device to dispense the product is sent based on the identifier. The transaction device is deactivated upon dispensing the transaction amount and a receipt of the transaction is provided to the mobile device.
    Type: Application
    Filed: February 27, 2020
    Publication date: June 25, 2020
    Applicant: First Data Corporation
    Inventors: Vijay K. Royyuru, Brad Lucas, Jack Stephenson, S. Shane Caldwell, III, Scott Mackay, Brent A. Stains, Dale McCrory, Mark A. Petersen, Raja Vel
  • Patent number: 10643207
    Abstract: Methods, systems, and machine-readable media are disclosed for processing a card-not-present transaction. According to one embodiment, processing a card-not-present transaction can comprise receiving a request for a card-not-present transaction involving an enrolled consumer. The request can include information identifying the enrolled consumer. A record of information related to the enrolled consumer can be read and the enrolled consumer can be authenticated based at least in part on the information of the request and the record of information related to the enrolled consumer. In response to authenticating the enrolled consumer, a set of single-use payment information can be generated which can include a one-time password and a dynamic Primary Account Number (PAN) which is valid for a single transaction. The single-use payment information can be provided to the enrolled consumer or the merchant to complete the transaction in place of the true PAN.
    Type: Grant
    Filed: July 16, 2018
    Date of Patent: May 5, 2020
    Assignee: First Data Corporation
    Inventor: Vijay K. Royyuru
  • Patent number: 10628881
    Abstract: Methods, systems, and machine-readable media are disclosed for handling information related to a transaction conducted with a presentation instrument at a POS device. Extended application IDs and dynamic cryptograms are used for the transaction. According to one embodiment, a method of processing a financial transaction for an account having a primary account number (PAN) can comprise detecting initiation of the transaction with the presentation instrument, and providing from the presentation instrument to the POS device a list of one or more applications IDs. Each application ID identifies an application that can be used to communicate data concerning the transaction between the presentation instrument and the POS device. The POS device selects one of the application IDs and returns it to the presentation instrument. Under the control of the selected application, the presentation instrument generates a Dynamic Transaction Cryptogram (DTC) and a dynamic PAN that are each valid for only a single transaction.
    Type: Grant
    Filed: May 7, 2019
    Date of Patent: April 21, 2020
    Assignee: First Data Corporation
    Inventors: Vijay K. Royyuru, Robert P. Klotz, John Fullett, Nancy Loomis
  • Publication number: 20200117656
    Abstract: Systems and methods are provided for a decentralized distributed ledger that hosts a directory service for customer aliases to facilitate obtaining customer account details.
    Type: Application
    Filed: October 9, 2019
    Publication date: April 16, 2020
    Applicant: First Data Corporation
    Inventors: Vijay K. Royyuru, Lanny Byers, Cindy White, Charles R. Williams
  • Publication number: 20200027116
    Abstract: Embodiments described herein provide methods and systems for making reward point account balances liquid for the customer. In traditional systems, reward points issued to customers in their reward point accounts have limited redemption options. Embodiments discussed herein allow a user to provision their reward point account into a digital wallet. The user can then use the reward points to purchase goods and services using their reward point account as a payment source via the digital wallet. The result is that the reward point account balance becomes a liquid asset for the customer to use to purchase any goods and/or services at any merchant that accepts payments from a digital wallet. Further, due to real-time point conversion at the time of the transaction, the available point balance is always up-to-date for use through any access method available to the user.
    Type: Application
    Filed: July 19, 2019
    Publication date: January 23, 2020
    Applicant: First Data Corporation
    Inventors: Vijay K. Royyuru, Lanny Byers, David Farris, Shawn Kretschmer, Cindy White, Skyler Fox, April Ross
  • Publication number: 20200027115
    Abstract: Embodiments described herein provide methods and systems for making reward point account balances liquid for the customer. In traditional systems, reward points issued to customers in their reward point accounts have limited redemption options. Embodiments discussed herein allow a user to provision their reward point account into a digital wallet. The user can then use the reward points to purchase goods and services using their reward point account as a payment source via the digital wallet. The result is that the reward point account balance becomes a liquid asset for the customer to use to purchase any goods and/or services at any merchant that accepts payments from a digital wallet. Further, due to real-time point conversion at the time of the transaction, the available point balance is always up-to-date for use through any access method available to the user.
    Type: Application
    Filed: July 19, 2019
    Publication date: January 23, 2020
    Applicant: First Data Corporation
    Inventors: Vijay K. Royyuru, Lanny Byers, David Farris, Shawn Kretschmer, Cindy White, Skyler Fox, April Ross
  • Patent number: 10504090
    Abstract: Devices and systems for performing contactless payments. The devices are configured such that account issuers have increased flexibility, and such that the systems and methods are extensible to encompass new technologies.
    Type: Grant
    Filed: December 4, 2015
    Date of Patent: December 10, 2019
    Assignee: First Data Corporation
    Inventors: Vijay K. Royyuru, Robert P. Klotz, Christopher T. Cox, Kelly B. Urban, Sridher Swaminathan
  • Publication number: 20190333139
    Abstract: Methods, systems, and machine-readable media are disclosed for handling information related to a transaction conducted with a presentation instrument at a POS device. Extended application IDs and dynamic cryptograms are used for the transaction. According to one embodiment, a method of processing a financial transaction for an account having a primary account number (PAN) can comprise detecting initiation of the transaction with the presentation instrument, and providing from the presentation instrument to the POS device a list of one or more applications IDs. Each application ID identifies an application that can be used to communicate data concerning the transaction between the presentation instrument and the POS device. The POS device selects one of the application IDs and returns it to the presentation instrument. Under the control of the selected application, the presentation instrument generates a Dynamic Transaction Cryptogram (DTC) and a dynamic PAN that are each valid for only a single transaction.
    Type: Application
    Filed: May 7, 2019
    Publication date: October 31, 2019
    Applicant: First Data Corporation
    Inventors: Vijay K. Royyuru, Robert P. Klotz, John Fullett, Nancy Loomis
  • Patent number: 10354321
    Abstract: Methods, systems, and machine-readable media are disclosed for handling information related to a transaction conducted with a presentation instrument at a POS device. Extended application IDs and dynamic cryptograms are used for the transaction. According to one embodiment, a method of processing a financial transaction for an account having a primary account number (PAN) can comprise detecting initiation of the transaction with the presentation instrument, and providing from the presentation instrument to the POS device a list of one or more applications IDs. Each application ID identifies an application that can be used to communicate data concerning the transaction between the presentation instrument and the POS device. The POS device selects one of the application IDs and returns it to the presentation instrument. Under the control of the selected application, the presentation instrument generates a Dynamic Transaction Cryptogram (DTC) and a dynamic PAN that are each valid for only a single transaction.
    Type: Grant
    Filed: June 11, 2012
    Date of Patent: July 16, 2019
    Assignee: First Data Corporation
    Inventors: Vijay K. Royyuru, Robert P. Klotz, John Fullett, Nancy Loomis
  • Publication number: 20180322493
    Abstract: Methods, systems, and machine-readable media are disclosed for processing a card-not-present transaction. According to one embodiment, processing a card-not-present transaction can comprise receiving a request for a card-not-present transaction involving an enrolled consumer. The request can include information identifying the enrolled consumer. A record of information related to the enrolled consumer can be read and the enrolled consumer can be authenticated based at least in part on the information of the request and the record of information related to the enrolled consumer. In response to authenticating the enrolled consumer, a set of single-use payment information can be generated which can include a one-time password and a dynamic Primary Account Number (PAN) which is valid for a single transaction. The single-use payment information can be provided to the enrolled consumer or the merchant to complete the transaction in place of the true PAN.
    Type: Application
    Filed: July 16, 2018
    Publication date: November 8, 2018
    Applicant: First Data Corporation
    Inventor: Vijay K. Royyuru
  • Publication number: 20180315043
    Abstract: Methods, systems, and machine-readable media are disclosed for handling information related to a financial transaction including utilizing dynamic cryptograms. According to one embodiment, a method of processing a financial transaction related to a financial account can comprise detecting initiation of the transaction with a device used as a presentation instrument in the transaction. A Dynamic Transaction Cryptogram (DTC) and a dynamic PAN can be generated at the device. The DTC can be used to authenticate the transaction and the dynamic PAN can comprise an encrypted form of a real PAN of the financial account that is valid for a single transaction. The DTC and the dynamic PAN can be provided by the device for use in the transaction.
    Type: Application
    Filed: July 5, 2018
    Publication date: November 1, 2018
    Applicant: First Data Corporation
    Inventors: VIJAY K. ROYYURU, Robert P. Klotz
  • Patent number: 10049356
    Abstract: Methods, systems, and machine-readable media are disclosed for processing a card-not-present transaction. According to one embodiment, processing a card-not-present transaction can comprise receiving a request for a card-not-present transaction involving an enrolled consumer. The request can include information identifying the enrolled consumer. A record of information related to the enrolled consumer can be read and the enrolled consumer can be authenticated based at least in part on the information of the request and the record of information related to the enrolled consumer. In response to authenticating the enrolled consumer, a set of single-use payment information can be generated which can include a one-time password and a dynamic Primary Account Number (PAN) which is valid for a single transaction. The single-use payment information can be provided to the enrolled consumer or the merchant to complete the transaction in place of the true PAN.
    Type: Grant
    Filed: December 18, 2009
    Date of Patent: August 14, 2018
    Assignee: First Data Corporation
    Inventor: Vijay K. Royyuru
  • Patent number: 10037524
    Abstract: Methods, systems, and machine-readable media are disclosed for handling information related to a financial transaction including utilizing dynamic cryptograms. According to one embodiment, a method of processing a financial transaction related to a financial account can comprise detecting initiation of the transaction with a device used as a presentation instrument in the transaction. A Dynamic Transaction Cryptogram (DTC) and a dynamic PAN can be generated at the device. The DTC can be used to authenticate the transaction and the dynamic PAN can comprise an encrypted form of a real PAN of the financial account that is valid for a single transaction. The DTC and the dynamic PAN can be provided by the device for use in the transaction.
    Type: Grant
    Filed: January 22, 2009
    Date of Patent: July 31, 2018
    Assignee: First Data Corporation
    Inventors: Vijay K Royyuru, Robert P Klotz
  • Publication number: 20170076265
    Abstract: A method of remotely activating a transaction device includes receiving, at a computing system, a mobile device identifier from a mobile application executed on a mobile device. A selection of the transaction device is received from the application. The selection includes an identifier of the transaction device. A selection of a transaction amount related to purchase of a product is received from the application. An authorization request for a payment account associated with the mobile device is communicated to an issuer of the payment account. The authorization request is for a transaction of at least the transaction amount. An authorization approval for the transaction is received from the issuer and a signal to activate the transaction device to dispense the product is sent based on the identifier. The transaction device is deactivated upon dispensing the transaction amount and a receipt of the transaction is provided to the mobile device.
    Type: Application
    Filed: September 16, 2015
    Publication date: March 16, 2017
    Inventors: Vijay K. Royyuru, Brad Lucas, Jack Stephenson, S. Shane Caldwell, III, Scott MacKay, Brent A. Stains, Dale McCrory, Mark A. Petersen, Raja Vel
  • Publication number: 20170076274
    Abstract: A method of remotely activating a transaction device includes receiving, at a computing system, a mobile device identifier from a mobile application executed on a mobile device. A selection of the transaction device is received from the application. The selection includes an identifier of the transaction device. A selection of a transaction amount related to purchase of a product is received from the application. An authorization request for a payment account associated with the mobile device is communicated to an issuer of the payment account. The authorization request is for a transaction of at least the transaction amount. An authorization approval for the transaction is received from the issuer and a signal to activate the transaction device to dispense the product is sent based on the identifier. The transaction device is deactivated upon dispensing the transaction amount and a receipt of the transaction is provided to the mobile device.
    Type: Application
    Filed: September 16, 2015
    Publication date: March 16, 2017
    Inventors: Vijay K. Royyuru, Brad Lucas, Jack Stephenson, S. Shane Caldwell, III, Scott Mackay, Brent A. Stains, Dale McCrory, Mark A. Petersen, Raja Vel
  • Publication number: 20160267455
    Abstract: Systems and methods for handling tokens. In one aspect, a token is intercepted by a data processor and a contact is made with a detokenization provider by the data processor. In another aspect, token service is aggregated. In another aspect, tokenization is extended to physical cards, to deter certain kinds of fraud.
    Type: Application
    Filed: March 9, 2016
    Publication date: September 15, 2016
    Applicant: First Data Corporation
    Inventors: Benjamin Rewis, Vijay K. Royyuru, Christopher T. Cox
  • Patent number: 9436939
    Abstract: A merchant point-of-sale terminal may include a local merchant file having a list of preferred AIDs (application identifiers) determined by the merchant and used to select the payment vehicle used to conduct a transaction with a smart card. The list of preferred AIDs may be used in a priority established by the merchant.
    Type: Grant
    Filed: September 10, 2013
    Date of Patent: September 6, 2016
    Assignee: FIRST DATA CORPORATION
    Inventors: Vijay K. Royyuru, Dennis Ciaran O'Hegarty
  • Publication number: 20160162862
    Abstract: Devices and systems for performing contactless payments. The devices are configured such that account issuers have increased flexibility, and such that the systems and methods are extensible to encompass new technologies.
    Type: Application
    Filed: December 4, 2015
    Publication date: June 9, 2016
    Applicant: First Data Corporation
    Inventors: Vijay K. Royyuru, Robert P. Klotz, Christopher T. Cox, Kelly B. Urban, Sridher Swaminathan