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1. 发明授权

US10861011B2 Method and system of authentication of electronic payments 有权
公开(公告)号：US10861011B2
公开(公告)日：2020-12-08
申请号：US15175021
申请日：2016-06-06
申请人： Shashank Mehta , Harshil Mathur
发明人： Shashank Mehta , Harshil Mathur
IPC分类号： G06Q20/40 , G06Q20/38
摘要： In one aspect, a computerized system for authentication of an electronic payment on a computing device, the system includes a computer memory in the computing device a payment page. The payment page includes at least one element, from the financial institution in response to the initiation. Each of the at least one element corresponds to a mode of authentication of an electronic payment. The payment page is received by the computing device from a remote server. A computer processor in the computing device, which computer processor is coupled to the computer store and programmed to detect an initiation of the electronic payment on the computing device, the electronic payment comprising payment from an account at a financial institution. The computer processor is programmed to obtain the payment page from the computer memory. The computer processor is programmed to identify a presence of a first element corresponding to a first mode of authentication on the payment page, wherein the first mode of authentication comprises receiving a first credential in the computing device after the initiation. The computer processor is programmed to receive a selection of the first mode of authentication. The computer processor is programmed to scan a set of incoming messages in the computing device for the first credential. The computer processor is programmed to extract the first credential from a message comprising the first credential. The computer processor is programmed to enter the first credential into a second interface optimized for a display of the computing device that is displayed in response to the selection of the first item. The computer processor is programmed to communicate the first credential to the payment page, for authentication of the electronic payment.

2. 发明申请

US20200311809A1 METHOD AND SYSTEM OF EARLY SETTLEMENT CAPPING PROCESS 审中-公开
公开(公告)号：US20200311809A1
公开(公告)日：2020-10-01
申请号：US16675479
申请日：2019-11-06
申请人： Harshil Mathur , Priyanka Jain , Prerit Khandelwal , Ayush Bansal , Shashank Mehta
发明人： Harshil Mathur , Priyanka Jain , Prerit Khandelwal , Ayush Bansal , Shashank Mehta
IPC分类号： G06Q40/02 , G06Q20/40 , G06Q20/02
摘要： In one aspect, computerized method for determining a maximum daily limit for a merchant on a settlement includes the step of, with an early settlement capping module operating in a server. The method includes the step of deciding a maximum lending limit. The maximum lending limit is used for a setup of a payment gateway with a surplus amount that a nodal account utilizes for providing a lending service to a set of merchants. The method includes the step of analyzing the impact of a set of alternative factors that are used as a cap value for the maximum lending limit. The cap value comprises an upper limit put to a daily settlement done to a merchant in the set of merchants in order to prevent risk and optimally lend float. The method includes the step of, based on the cap value, implementing a lending operation through the lending service to the set of merchants.

3. 发明申请

US20170286954A1 METHOD AND SYSTEM OF AUTHENTICATION OF ELECTRONIC PAYMENTS 审中-公开
公开(公告)号：US20170286954A1
公开(公告)日：2017-10-05
申请号：US15175021
申请日：2016-06-06
申请人： Shashank Mehta , Harshil Mathur
发明人： Shashank Mehta , Harshil Mathur
IPC分类号： G06Q20/40 , G06Q20/38
CPC分类号： G06Q20/40 , G06Q20/3821
摘要： In one aspect, a computerized system for authentication of an electronic payment on a computing device, the system includes a computer memory in the computing device a payment page. The payment page includes at least one element, from the financial institution in response to the initiation. Each of the at least one element corresponds to a mode of authentication of an electronic payment. The payment page is received by the computing device from a remote server. A computer processor in the computing device, which computer processor is coupled to the computer store and programmed to detect an initiation of the electronic payment on the computing device, the electronic payment comprising payment from an account at a financial institution. The computer processor is programmed to obtain the payment page from the computer memory. The computer processor is programmed to identify a presence of a first element corresponding to a first mode of authentication on the payment page, wherein the first mode of authentication comprises receiving a first credential in the computing device after the initiation. The computer processor is programmed to receive a selection of the first mode of authentication. The computer processor is programmed to scan a set of incoming messages in the computing device for the first credential. The computer processor is programmed to extract the first credential from a message comprising the first credential. The computer processor is programmed to enter the first credential into a second interface optimized for a display of the computing device that is displayed in response to the selection of the first item. The computer processor is programmed to communicate the first credential to the payment page, for authentication of the electronic payment.

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