Patents by Inventor Vishnu Garg

Vishnu Garg 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).

  • Transaction authorizations using device characteristics
    Patent number: 10721324
    Abstract: A merchant server may integrate device identifying code into a webpage. In response to a device accessing the webpage, the device identifying code may cause the merchant server to obtain characteristics of the device. A device registry may compare the characteristics of the device with known device profiles to determine a risk level of the device. A transaction account issuer may utilize the risk level in performing an authorization evaluation.
    Type: Grant
    Filed: August 31, 2018
    Date of Patent: July 21, 2020
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Andras Ferenczi, Vishnu Garg, Vernon Marshall, Sulabh Monga, Timothy Rollins, Vishnuvajhala Venkata Subrahmanyam
  • FRAUD MANAGEMENT USING A DISTRIBUTED DATABASE
    Publication number: 20190303942
    Abstract: Systems and methods for fraud management using a distributed database are disclosed. The system may receive a payment request and generate a payment request hash by cryptographically processing the payment request using a hashing algorithm. The system may invoke a fraud reporting smart contract by passing the payment request hash and a public blockchain address to the fraud reporting smart contract. The system may query a local blockchain database to locate a fraud report matching the payment request hash to determine whether the payment request has been previously reported as fraud. In response to the payment request hash not matching the fraud report, the fraud reporting smart contract is configured to write the payment request hash to the blockchain as a second fraud report.
    Type: Application
    Filed: April 2, 2018
    Publication date: October 3, 2019
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Balaji Balaraman, Rana Dasgupta, Andras L. Ferenczi, Vishnu Garg, Chad Gonzales, Farid G. Hatefi, Abhishek Jha, Upendra Mardikar, Sulubh Monga, Harish R. Naik, Timothy O. Rollins
  • TRANSACTION AUTHORIZATIONS USING DEVICE CHARACTERISTICS
    Publication number: 20180375955
    Abstract: A merchant server may integrate device identifying code into a webpage. In response to a device accessing the webpage, the device identifying code may cause the merchant server to obtain characteristics of the device. A device registry may compare the characteristics of the device with known device profiles to determine a risk level of the device. A transaction account issuer may utilize the risk level in performing an authorization evaluation.
    Type: Application
    Filed: August 31, 2018
    Publication date: December 27, 2018
    Applicant: American Express Travel Related Services Company, Inc.
    Inventors: Andras Ferenczi, Vishnu Garg, Vernon Marshall, Sulabh Monga, Timothy Rollins, Vishnuvajhala Venkata Subrahmanyam
  • Using integrated code to extract device characteristics for online security
    Patent number: 10097663
    Abstract: A merchant server may integrate device identifying code into a webpage. In response to a device accessing the webpage, the device identifying code may cause the merchant server to obtain characteristics of the device. A device registry may compare the characteristics of the device with known device profiles to determine a risk level of the device. A transaction account issuer may utilize the risk level in performing an authorization evaluation.
    Type: Grant
    Filed: May 22, 2017
    Date of Patent: October 9, 2018
    Assignee: AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC.
    Inventors: Andras Ferenczi, Vishnu Garg, Vernon Marshall, Sulabh Monga, Timothy Rollins, Vishnuvajhala Venkata Subrahmanyam