Patents by Inventor Vishwanath Shastry
Vishwanath Shastry 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: 20230410075Abstract: A computer-implemented method of communicating with a point of sale terminal. The method includes establishing wireless communication with a point of sale terminal using a first communication channel, and establishing communication with the point of sale terminal using a second communication channel. The method also includes transmitting a first section of communication data via the first communication channel; and transmitting a second section of the communication data using the second communication channel.Type: ApplicationFiled: August 14, 2023Publication date: December 21, 2023Applicant: Visa International Service AssociationInventors: Christopher JONES, Sanjeev SHARMA, Christian FLURSCHEIM, Chandra SRIVASTAVA, Vishwanath SHASTRY, Kiushan PIRZADEH, Christian AABYE
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Patent number: 11769128Abstract: A computer-implemented method of communicating with a point of sale terminal. The method includes establishing wireless communication with a point of sale terminal using a first communication channel, and establishing communication with the point of sale terminal using a second communication channel. The method also includes transmitting a first section of communication data via the first communication channel; and transmitting a second section of the communication data using the second communication channel.Type: GrantFiled: September 21, 2021Date of Patent: September 26, 2023Assignee: Visa International Service AssociationInventors: Christopher Jones, Sanjeev Sharma, Christian Flurscheim, Chandra Srivastava, Vishwanath Shastry, Kiushan Pirzadeh, Christian Aabye
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Patent number: 11770369Abstract: Embodiments are directed to methods, apparatuses, computer readable media and systems for authenticating a user on a user device across multiple mobile applications. The identity of the user is validated by encoding and subsequently validating cryptographically encrypted data in a shared data store accessible by the mobile applications tied to the same entity. Specifically, the application leverages the authentication process of a trusted mobile application (e.g. a banking mobile application) to authenticate the same user on a untrusted mobile application (e.g. a merchant mobile application).Type: GrantFiled: January 7, 2022Date of Patent: September 26, 2023Assignee: Visa International Service AssociationInventors: Vishwanath Shastry, Shalini Mayor
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Publication number: 20230142487Abstract: Embodiments are directed to the generation of a token associated with a status. The status of the token may affect how the token is treated and the types of restrictions placed on the token. The status of the token may indicate that the token is generated based on verification of secure user data. Alternatively, the status of the token may indicate that the token is generated based on insufficient user data and, as such, restrictions may be imposed on the token. The token requestor may be a mobile application, such as a merchant mobile application provisioned on a user device. In response to a token request from the merchant, the token provider issues tokens with varying status based on a confidence level. The status of the token may be indicated in terms of token assurance level.Type: ApplicationFiled: January 9, 2023Publication date: May 11, 2023Applicant: Visa International Service AssociationInventors: Vishwanath Shastry, Shalini Mayor, Calvin Chen
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Patent number: 11568405Abstract: Embodiments are directed to the generation of a token associated with a status. The status of the token may affect how the token is treated and the types of restrictions placed on the token. The status of the token may indicate that the token is generated based on verification of secure user data. Alternatively, the status of the token may indicate that the token is generated based on insufficient user data and, as such, restrictions may be imposed on the token. The token requestor may be a mobile application, such as a merchant mobile application provisioned on a user device. In response to a token request from the merchant, the token provider issues tokens with varying status based on a confidence level. The status of the token may be indicated in terms of token assurance level.Type: GrantFiled: May 4, 2021Date of Patent: January 31, 2023Assignee: Visa International Service AssociationInventors: Vishwanath Shastry, Shalini Mayor, Calvin Chen
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Publication number: 20220237592Abstract: Embodiments of the invention are directed to systems and methods that enable authentication of a user via an authentication application that is different than a wallet application that is being used to process a transaction. The wallet application may contain payment devices and/additional wallet applications.Type: ApplicationFiled: March 29, 2022Publication date: July 28, 2022Inventors: Jalpesh Chitalia, Thomas Purves, Ansar Ansari, Vishwanath Shastry, Otto Williams, Kevin Carvalho, Madhuri Chandoor, Amit Gupta, Manoj Kannembath, Samuel Blake Shrauger
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Patent number: 11354723Abstract: The E-WALLET STORE INJECTION SEARCH APPARATUSES, METHODS AND SYSTEMS (“SIS”) transform aggregated automated shopping lists and user location data using SIS components into automated shopping item availability messages and merchant location navigation responses. In some implementations, the disclosure provides a processor-implemented method of providing an automated store injection search service.Type: GrantFiled: January 11, 2019Date of Patent: June 7, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Vishwanath Shastry, Marc Blum, Ayman Hammad, Edward Katzin, Thomas Purves, Julian Hua
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Patent number: 11321707Abstract: Embodiments of the invention are directed to systems and methods that enable authentication of a user via an authentication application that is different than a wallet application that is being used to process a transaction. The wallet application may contain payment devices and/additional wallet applications.Type: GrantFiled: March 22, 2017Date of Patent: May 3, 2022Assignee: Visa International Service AssociationInventors: Jalpesh Chitalia, Thomas Purves, Ansar Ansari, Vishwanath Shastry, Otto Williams, Kevin Carvalho, Madhuri Chandoor, Amit Gupta, Manoj Kannembath, Samuel Blake Shrauger
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Publication number: 20220131840Abstract: Embodiments are directed to methods, apparatuses, computer readable media and systems for authenticating a user on a user device across multiple mobile applications. The identity of the user is validated by encoding and subsequently validating cryptographically encrypted data in a shared data store accessible by the mobile applications tied to the same entity. Specifically, the application leverages the authentication process of a trusted mobile application (e.g. a banking mobile application) to authenticate the same user on a untrusted mobile application (e.g. a merchant mobile application).Type: ApplicationFiled: January 7, 2022Publication date: April 28, 2022Inventors: Vishwanath Shastry, Shalini Mayor
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Patent number: 11252136Abstract: Embodiments are directed to methods, apparatuses, computer readable media and systems for authenticating a user on a user device across multiple mobile applications. The identity of the user is validated by encoding and subsequently validating cryptographically encrypted data in a shared data store accessible by the mobile applications tied to the same entity. Specifically, the application leverages the authentication process of a trusted mobile application (e.g. a banking mobile application) to authenticate the same user on a untrusted mobile application (e.g. a merchant mobile application).Type: GrantFiled: October 8, 2019Date of Patent: February 15, 2022Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Vishwanath Shastry, Shalini Mayor
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Publication number: 20220005013Abstract: A computer-implemented method of communicating with a point of sale terminal. The method includes establishing wireless communication with a point of sale terminal using a first communication channel, and establishing communication with the point of sale terminal using a second communication channel. The method also includes transmitting a first section of communication data via the first communication channel; and transmitting a second section of the communication data using the second communication channel.Type: ApplicationFiled: September 21, 2021Publication date: January 6, 2022Inventors: Christopher Jones, Sanjeev Sharma, Christian Flurscheim, Chandra Srivastava, Vishwanath Shastry, Kiushan Pirzadeh, Christian Aabye
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Patent number: 11151533Abstract: A computer-implemented method of communicating with a point of sale terminal. The method includes establishing wireless communication with a point of sale terminal using a first communication channel, and establishing communication with the point of sale terminal using a second communication channel. The method also includes transmitting a first section of communication data via the first communication channel; and transmitting a second section of the communication data using the second communication channel.Type: GrantFiled: March 31, 2016Date of Patent: October 19, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Christopher Jones, Sanjeev Sharma, Christian Flurscheim, Chandra Srivastava, Vishwanath Shastry, Kiushan Pirzadeh, Christian Aabye
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Patent number: 11126979Abstract: An alias management and value transfer claim processing system is disclosed. A sending entity initiates value transfer identifying a recipient entity using an alias that is unregistered with the system. The value transfer is authorized, but not settled until the recipient entity registers with the system and claims the value transfer. The registered alias can be used for subsequent value transfers.Type: GrantFiled: August 5, 2019Date of Patent: September 21, 2021Assignee: Visa International Service AssociationInventors: Thanigaivel Ashwin Raj, Jacob Saul Fuentes, John Tullis, Vishwanath Shastry
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Publication number: 20210256518Abstract: Embodiments are directed to the generation of a token associated with a status. The status of the token may affect how the token is treated and the types of restrictions placed on the token. The status of the token may indicate that the token is generated based on verification of secure user data. Alternatively, the status of the token may indicate that the token is generated based on insufficient user data and, as such, restrictions may be imposed on the token. The token requestor may be a mobile application, such as a merchant mobile application provisioned on a user device. In response to a token request from the merchant, the token provider issues tokens with varying status based on a confidence level. The status of the token may be indicated in terms of token assurance level.Type: ApplicationFiled: May 4, 2021Publication date: August 19, 2021Inventors: Vishwanath Shastry, Shalini Mayor, Calvin Chen
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Patent number: 11023890Abstract: Embodiments are directed to the generation of a token associated with a status. The status of the token may affect how the token is treated and the types of restrictions placed on the token. The status of the token may indicate that the token is generated based on verification of secure user data. Alternatively, the status of the token may indicate that the token is generated based on insufficient user data and, as such, restrictions may be imposed on the token. The token requestor may be a mobile application, such as a merchant mobile application provisioned on a user device. In response to a token request from the merchant, the token provider issues tokens with varying status based on a confidence level. The status of the token may be indicated in terms of token assurance level.Type: GrantFiled: June 5, 2015Date of Patent: June 1, 2021Assignee: Visa International Service AssociationInventors: Vishwanath Shastry, Shalini Mayor, Calvin Chen
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Publication number: 20200045027Abstract: Embodiments are directed to methods, apparatuses, computer readable media and systems for authenticating a user on a user device across multiple mobile applications. The identity of the user is validated by encoding and subsequently validating cryptographically encrypted data in a shared data store accessible by the mobile applications tied to the same entity. Specifically, the application leverages the authentication process of a trusted mobile application (e.g. a banking mobile application) to authenticate the same user on a untrusted mobile application (e.g. a merchant mobile application).Type: ApplicationFiled: October 8, 2019Publication date: February 6, 2020Inventors: Vishwanath Shastry, Shalini Mayor
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Publication number: 20190370764Abstract: An alias management and value transfer claim processing system is disclosed. A sending entity initiates value transfer identifying a recipient entity using an alias that is unregistered with the system. The value transfer is authorized, but not settled until the recipient entity registers with the system and claims the value transfer. The registered alias can be used for subsequent value transfers.Type: ApplicationFiled: August 5, 2019Publication date: December 5, 2019Inventors: Thanigaivel Ashwin Raj, Jacob Saul Fuentes, John Tullis, Vishwanath Shastry
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Publication number: 20190354961Abstract: The present system and method may solve several of the hurdles using existing and enhanced virtual wallet capabilities.Type: ApplicationFiled: February 6, 2018Publication date: November 21, 2019Inventors: Dan Macias, Vishwanath Shastry, Kyle Joseph Drechsler
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Patent number: 10484345Abstract: Embodiments are directed to methods, apparatuses, computer readable media and systems for authenticating a user on a user device across multiple mobile applications. The identity of the user is validated by encoding and subsequently validating cryptographically encrypted data in a shared data store accessible by the mobile applications tied to the same entity. Specifically, the application leverages the authentication process of a trusted mobile application (e.g. a banking mobile application) to authenticate the same user on a untrusted mobile application (e.g. a merchant mobile application).Type: GrantFiled: July 30, 2015Date of Patent: November 19, 2019Assignee: Visa International Service AssociationInventors: Vishwanath Shastry, Shalini Mayor
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Patent number: 10417619Abstract: An alias management and value transfer claim processing system is disclosed. A sending entity initiates value transfer identifying a recipient entity using an alias that is unregistered with the system. The value transfer is authorized, but not settled until the recipient entity registers with the system and claims the value transfer. The registered alias can be used for subsequent value transfers.Type: GrantFiled: November 19, 2012Date of Patent: September 17, 2019Assignee: Visa International Service AssociationInventors: Thanigaivel Ashwin Raj, Jacob Saul Fuentes, John Tullis, Vishwanath Shastry