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1. 发明申请

US20180174136A1 ALARM ACCESS OVERRIDE 审中-公开
公开(公告)号：US20180174136A1
公开(公告)日：2018-06-21
申请号：US15380397
申请日：2016-12-15
申请人： Parveen Bansal , Aparna Krishnan Girish , Madhuri Chandoor
发明人： Parveen Bansal , Aparna Krishnan Girish , Madhuri Chandoor
IPC分类号： G06Q20/36 , G08B25/14
摘要： A property alarm, such as home alarm or car alarm, is analyzed for the nature of the alarm and when indicated causes access to one or more financial instruments to be limited or put on hold. Alarms for equipment failure may be ignored while alarms for an intrusion may trigger limiting access to the financial accounts. In some cases, a cap may be placed on transactions, risk rules for approving transactions may be increased, or a complete hold may be placed on some or all of the financial instruments.

2. 发明申请

US20180174146A1 SITUATIONAL ACCESS OVERRIDE 审中-公开
公开(公告)号：US20180174146A1
公开(公告)日：2018-06-21
申请号：US15380407
申请日：2016-12-15
申请人： Parveen Bansal , Aparna Krishnan Girish , Madhuri Chandoor
发明人： Parveen Bansal , Aparna Krishnan Girish , Madhuri Chandoor
IPC分类号： G06Q20/40
摘要： One or more sensors are used to evaluate whether a user of a financial instrument is under duress by evaluating information collected about the user at the time of a transaction. If one or more stress indicators are above a predetermined threshold level, full access to the financial instrument may be disabled. Transaction risk rules may be increased, transaction amounts may be limited, or transactions may be blocked entirely if full access is disabled.

3. 发明申请

US20170201520A1 SYSTEMS AND METHODS FOR DEVICE PUSH PROVISIONING 审中-公开
公开(公告)号：US20170201520A1
公开(公告)日：2017-07-13
申请号：US15402095
申请日：2017-01-09
申请人： Madhuri Chandoor , Jalpesh Chitalia , Gueorgui Petkov , Mohamed Nosseir , Parveen Bansal , Thomas Bellenger , Simon Law
发明人： Madhuri Chandoor , Jalpesh Chitalia , Gueorgui Petkov , Mohamed Nosseir , Parveen Bansal , Thomas Bellenger , Simon Law
IPC分类号： H04L29/06
CPC分类号： H04L63/10 , H04L63/083 , H04L63/0853 , H04L63/108 , H04L2463/121 , H04W12/04 , H04W88/02
摘要： Techniques for provisioning access data may include receiving, by a first application installed on a communication device, user input selecting an account to provision to a second application installed on the communication device. The first application may invoke the second application and send a session identifier (ID) to the second application. The second application may send a user ID associated with the second application, a device ID, and the session ID to the first application. The first application may then generate encrypted provisioning request data and send the encrypted provisioning request data to the second application. The second application may send the encrypted provisioning request data to a remote server computer to request access data that can be used to access a resource. The second application may receive the access data provided by the remote server computer based on validation of the encrypted provisioning request data.

4. 发明申请

US20190173883A1 SYSTEMS AND METHODS FOR DEVICE PUSH PROVISIONING 审中-公开
公开(公告)号：US20190173883A1
公开(公告)日：2019-06-06
申请号：US16268377
申请日：2019-02-05
申请人： Madhuri Chandoor , Jalpesh Chitalia , Gueorgui Petkov , Mohamed Nosseir , Parveen Bansal , Thomas Bellenger , Simon Law
发明人： Madhuri Chandoor , Jalpesh Chitalia , Gueorgui Petkov , Mohamed Nosseir , Parveen Bansal , Thomas Bellenger , Simon Law
IPC分类号： H04L29/06 , H04W12/04
摘要： Techniques for provisioning access data may include receiving, by a first application installed on a communication device, user input selecting an account to provision to a second application installed on the communication device. The first application may invoke the second application and send a session identifier (ID) to the second application. The second application may send a user ID associated with the second application, a device ID, and the session ID to the first application. The first application may then generate encrypted provisioning request data and send the encrypted provisioning request data to the second application. The second application may send the encrypted provisioning request data to a remote server computer to request access data that can be used to access a resource. The second application may receive the access data provided by the remote server computer based on validation of the encrypted provisioning request data.

5. 发明申请

US20200301763A1 SYSTEM AND METHOD FOR CREATING OR UPDATING AN API CONFIGURATION 审中-公开
公开(公告)号：US20200301763A1
公开(公告)日：2020-09-24
申请号：US16359710
申请日：2019-03-20
申请人： Madhuri Chandoor , Mohammad Al-Bedaiwi , Nirmesh Desai
发明人： Madhuri Chandoor , Mohammad Al-Bedaiwi , Nirmesh Desai
IPC分类号： G06F9/54 , G06F9/445 , G06F9/451 , G06F16/93
摘要： A system and method may reduce the costs associated with adding or editing configuration elements for an API. A generic schema for the API codebase may keep the configuration definitions flexible and associations between various configuration definitions may also be saved within the codebase. New configuration instances may then be created using the definition of the configuration. Since the definition of the configuration is saved in a codebase, updating the definition or adding a new definition will not require going through the cycle of requirement analysis, coding, and testing. Once the definition is updated, the application code may appropriately mark the difference between the configuration instance and its definition and it will utilize the new definition to create instances of the new configuration.

6. 发明申请

US20170278096A1 ADAPTABLE AUTHENTICATION PROCESSING 审中-公开
公开(公告)号：US20170278096A1
公开(公告)日：2017-09-28
申请号：US15466815
申请日：2017-03-22
申请人： Jalpesh Chitalia , Thomas Purves , Ansar Ansari , Vishwanath Shastry , Otto Williams , Kevin Carvalho , Madhuri Chandoor , Amit Gupta , Manoj Kannembath
发明人： Jalpesh Chitalia , Thomas Purves , Ansar Ansari , Vishwanath Shastry , Otto Williams , Kevin Carvalho , Madhuri Chandoor , Amit Gupta , Manoj Kannembath
IPC分类号： G06Q20/36 , G06Q20/20
CPC分类号： G06Q20/36 , G06Q20/20 , G06Q20/3674 , G06Q20/40145
摘要： 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.

7. 发明申请

US20130346173A1 Driving New User Acquisition from Payment Transactions 审中-公开
标题翻译：从付款交易推动新用户收购
公开(公告)号：US20130346173A1
公开(公告)日：2013-12-26
申请号：US13532486
申请日：2012-06-25
申请人： Madhuri Chandoor
发明人： Madhuri Chandoor
IPC分类号： G06Q30/02 , G06Q20/20
CPC分类号： G06Q20/322 , G06Q30/0601 , G06Q40/02
摘要： Systems and methods are disclosed for a payment service provider to provide benefits through provisional accounts established at in-store checkout to consumers who do not have accounts with the payment service provider to drive use sign-up. The payment service provider may offer cash paying consumers electronic cash stored in provisional accounts instead of any change at a point-of-sale, or offer credit card paying consumers a guest checkout experience to receive discounts, incentives, or rewards. The consumers are asked to provide identifying information such as a phone number of their mobile devices. A provisional account is established and linked it to the identification information if the provisional account does not already exist. Otherwise, the payment service provider may verify that the provisional account has not expired. The payment service provider may send reminders to the mobile devices to encourage the consumers to register an account before the provisional account expires.
摘要翻译：披露了支付服务提供商的系统和方法，以便通过在店内结帐建立的临时帐户向没有支付服务提供商的帐户的消费者提供利益来驱动使用注册。付款服务提供商可以向消费者提供现金支付消费者存储在临时帐户中的电子现金，而不是销售点的任何变化，或向消费者提供支付客户结帐经验以获得折扣，奖励或奖励的信用卡。消费者被要求提供识别信息，例如其移动设备的电话号码。如果临时帐户不存在，建立临时帐户并将其与识别信息相关联。否则，支付服务提供商可以验证临时帐户尚未过期。支付服务提供商可以向移动设备发送提醒，以鼓励消费者在临时帐户到期之前注册账户。

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