Patents by Inventor Vijay Royyuru

Vijay 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: 20210279699
    Abstract: Described herein are techniques for facilitating push provisioning of a user payment source into a user's digital wallet without the user having a physical card. The techniques allow an issuer to provide a button in an issuer's application for the user to simply push the button to request that the payment source be imported into a pay wallet or a merchant. In this way, the payment source information is “pushed” into the pay wallet. Using push provisioning, the user need not enter any physical card information. The described techniques generate a chain of trust that can be used to ensure that a user, through an issuer and using a gateway, authorizes a token service provider to provision the payment source into the pay wallet or merchant.
    Type: Application
    Filed: May 19, 2021
    Publication date: September 9, 2021
    Applicant: First Data Corporation
    Inventors: Vijay ROYYURU, Sridher SWAMINATHAN
  • Publication number: 20200320516
    Abstract: A gateway encryption service is used to ensure consistent, source independent tokenization for payment accounts and synchronizing payment account information with merchants. A consistent, evergreen merchant-facing token is generated and used for each payment account for the merchant, ensuring that regardless of the payment method used by the customer (e.g., plastic card point-of-sale, pay wallet, saved card information) for the same underlying account, the merchant has a single token. Further, if the account number for the underlying payment account changes (e.g., the card expires or is stolen) the merchant-facing token remains consistent. The evergreen token ensures that the system functions more efficiently, saving resources in processing and storage and ensuring less network traffic for failed transactions. The system further implements encryption and security despite the consistent tokenization, further saving resources.
    Type: Application
    Filed: April 1, 2020
    Publication date: October 8, 2020
    Applicant: First Data Corporation
    Inventors: Vijay Royyuru, Renee Goodheart, Lanny Byers, Timothy Horton, Kathryn Whalen, Lixia Zhu
  • Publication number: 20190385164
    Abstract: Described herein are techniques for facilitating push provisioning of a user payment source into a user's digital wallet without the user having a physical card. The techniques allow an issuer to provide a button in an issuer's mobile application for the user to simply push the button to request that the payment source be imported into the user's digital pay wallet. In this way, the payment source information is “pushed” into the pay wallet. Using push provisioning, the user need not enter any physical card information. The described techniques generate a chain of trust that can be used to ensure that a user, through an issuer and using an encryption gateway, authorizes a token service provider to provision the payment source into the user's digital wallet.
    Type: Application
    Filed: June 17, 2019
    Publication date: December 19, 2019
    Applicant: First Data Corporation
    Inventors: Vijay Royyuru, Benjamin Rewis, SR., Lanny Byers, Renee Goodheart, Cindy White, Kelly Urban, Skyler Fox
  • Publication number: 20180053167
    Abstract: Methods and systems are disclosed for executing financial transactions between customers and merchants. An identifier of a financial account is received from the customer at a merchant system. A one-time password is also received from the customer at the merchant system, with the customer having been provided with the one-time password by a mobile electronic device or contactless presentation instrument. A cryptogram is generated to include the identifier of the financial account encrypted using the one-time password. An authorization request is formulated at the merchant system. The authorization request includes the cryptogram and transaction information describing at least a portion of the financial transaction. The authorization request is transmitted from the merchant system to an authorization processor for authorization of the financial transaction.
    Type: Application
    Filed: November 3, 2017
    Publication date: February 22, 2018
    Applicant: First Data Corporation
    Inventor: Vijay Royyuru
  • Patent number: 9846866
    Abstract: Methods and systems are disclosed for executing financial transactions between customers and merchants. An identifier of a financial account is received from the customer at a merchant system. A one-time password is also received from the customer at the merchant system, with the customer having been provided with the one-time password by a mobile electronic device or contactless presentation instrument. A cryptogram is generated to include the identifier of the financial account encrypted using the one-time password. An authorization request is formulated at the merchant system. The authorization request includes the cryptogram and transaction information describing at least a portion of the financial transaction. The authorization request is transmitted from the merchant system to an authorization processor for authorization of the financial transaction.
    Type: Grant
    Filed: February 22, 2007
    Date of Patent: December 19, 2017
    Assignee: First Data Corporation
    Inventor: Vijay Royyuru
  • Patent number: 8055581
    Abstract: Methods and systems are disclosed of enrolling a customer to perform an action. A first piece of information is received at an authentication processor from an over-the-air processor. The first piece of information was provided to the over-the-air processor by the customer from a mobile electronic device. A second piece of information is received at the authentication processor from a server different from the over-the-air processor. The second piece of information was provided to the server by the customer. The first and second pieces of information are associated by the authentication processor to enroll the customer.
    Type: Grant
    Filed: February 22, 2007
    Date of Patent: November 8, 2011
    Assignee: First Data Corporation
    Inventors: Vijay Royyuru, Robert A. Freisheim, Jr.
  • Publication number: 20110153461
    Abstract: This disclosure describes, generally, methods and systems for implementing enrollment authentication. The method includes receiving from a customer a partial PAN and an issuing financial institution. Further, based on transaction history related to the partial PAN, the method presents challenge questions to the customer, receive answers to the challenge questions. Then, based on the partial PAN, the issuing financial institution, and the answers to the challenge questions, a complete PAN may be resolved. The method includes prompting the customer to select a mutual trust phrase, receiving the selected mutual trust phrase, and placing a call from an interactive voice response (IVR) system to the customer. Further, the method includes playing back to the customer the selected mutual challenge phrase, receiving, from a telephone (e.g.
    Type: Application
    Filed: December 17, 2009
    Publication date: June 23, 2011
    Applicant: First Data Corporation
    Inventor: Vijay Royyuru
  • Publication number: 20080208746
    Abstract: Methods and systems are disclosed of enrolling a customer to perform an action. A first piece of information is received at an authentication processor from an over-the-air processor. The first piece of information was provided to the over-the-air processor by the customer from a mobile electronic device. A second piece of information is received at the authentication processor from a server different from the over-the-air processor. The second piece of information was provided to the server by the customer. The first and second pieces of information are associated by the authentication processor to enroll the customer.
    Type: Application
    Filed: February 22, 2007
    Publication date: August 28, 2008
    Applicant: First Data Corporation
    Inventors: Vijay Royyuru, Robert A. Freisheim
  • Publication number: 20080208759
    Abstract: Methods and systems are disclosed for executing financial transactions between customers and merchants. An identifier of a financial account is received from the customer at a merchant system. A one-time password is also received from the customer at the merchant system, with the customer having been provided with the one-time password by a mobile electronic device or contactless presentation instrument. A cryptogram is generated to included the identifier of the financial account encrypted using the one-time password. An authorization request is formulated at the merchant system. The authorization request includes the cryptogram and transaction information describing at least a portion of the financial transaction. The authorization request is transmitted from the merchant system to an authorization processor for authorization of the financial transaction.
    Type: Application
    Filed: February 22, 2007
    Publication date: August 28, 2008
    Applicant: First Data Corporation
    Inventor: Vijay Royyuru