Shanthan Subramaniam

US Patent:

20220222643, Jul 14, 2022

Filed:

Mar 30, 2022

Appl. No.:

17/708458

Inventors:

- Purchase NY, US
Shanthan Subramaniam - Baldwin Place NY, US
Dana J. Lorberg - St. Louis MO, US

International Classification:

G06Q 20/20
G06N 20/00
G06Q 20/02
G06Q 20/34
G06Q 20/10
G06Q 20/38
G06Q 20/32
G06Q 20/40
G06Q 40/02
G06Q 20/36

Abstract:

Methods and apparatus for bridging transactions between electronic funds transfer (EFT) payment networks and payment card networks. In an embodiment, a process includes a gateway computer receiving a transaction message that includes a token and content, determining that at least one business rule applies which concerns routing of the transaction, and based on the business rule and the content selecting a routing decision to one of route the transaction to a payment card account system or route the transaction to an electronic funds transfer (EFT) system. The process also includes the gateway computer translating the token into a payment card account number (PAN) when the routing decision is to route the transaction to a payment card system, or translating the token into a bank deposit account number when the routing decision is to route the transaction to an EFT system. A second transaction message is then transmitted to the payment card system that includes the PAN when the payment card system is selected or is transmitted to the EFT system that includes the bank deposit account number when the EFT system is selected.

US Patent:

20230042737, Feb 9, 2023

Filed:

Jul 20, 2022

Appl. No.:

17/869474

Inventors:

- Purchase NY, US
Andrew BUCKLEY - Kenilworth, GB
Suman RAUSARIA - Chesterfield MI, US
Shanthan SUBRAMANIAM - Baldwin Place NY, US

International Classification:

G06Q 20/24
H04L 9/40
G06Q 20/38
G06Q 20/10
G06Q 10/08
G06Q 20/42

Abstract:

The disclosure relates to a deferred real-time payment (RTP) in a trusted and secure system environment to pay for a deferred fulfillment order. The deferred fulfillment order includes products or services that may be fulfilled in part or in full after authorization of the deferred RTP. To facilitate trust and security, a deferred payment system may digitally sign certificates issued to various entities in the system environment. Devices in the system environment may transmit and receive messages to create and later settle deferred RTPs that are trusted based on authentication of the digitally signed certificates, which mitigate against security threats such as man-in-the-middle attacks in a communication network.

US Patent:

20200327543, Oct 15, 2020

Filed:

Apr 10, 2019

Appl. No.:

16/380044

Inventors:

- Purchase NY, US
Shanthan Subramaniam - Baldwin Place NY, US
Sandeep Malhotra - Greenwich CT, US

International Classification:

G06Q 20/40
G06Q 20/10

Abstract:

A request for payment message is received. The message includes transaction data. A transaction identifier is generated. The transaction data is stored in association with the transaction identifier. The transaction identifier is transmitted to an acquirer bank. A request to retrieve data is received from a payer's bank. The request to retrieve data includes the transaction identifier. At least some of the transaction data is transmitted to the payer's bank. A confirmation is received from the payer's bank. The confirmation indicates that a real-time payment has been made in accordance with the request for payment message.

US Patent:

20200126066, Apr 23, 2020

Filed:

Oct 17, 2019

Appl. No.:

16/656078

Inventors:

- Purchase NY, US
Sandeep Malhotra - Greenwich CT, US
Shanthan Subramaniam - Baldwin Place NY, US

International Classification:

G06Q 20/34
G06Q 20/26

Abstract:

A real-time payment system transaction is initiated to settle a purchase of goods or services. An indication is received that the real-time payment system transaction failed. In response to the indication, the purchase of goods or services is settled via a settlement system associated with a payment card account system.

US Patent:

20200097931, Mar 26, 2020

Filed:

Sep 21, 2018

Appl. No.:

16/138646

Inventors:

- Purchase NY, US
Sandeep Malhotra - Greenwich CT, US
Mostafa Hussein Sabet - Greenwich CT, US
Shanthan Subramaniam - Baldwin Place NY, US

International Classification:

G06Q 20/10
G06Q 20/32
G06Q 20/36

Abstract:

A method includes receiving an invoice token from a merchant, where the invoice token represents an invoice for an e-commerce transaction. The invoice token is transmitted to a payment services computer to request details of the invoice. The requested invoice details are received from the payment service computer, and an account is selected to support payment for the transaction. A payment transaction is initiated to settle the e-commerce transaction based on the invoice details and the account that was selected to support the payment.

US Patent:

20200097959, Mar 26, 2020

Filed:

Sep 21, 2018

Appl. No.:

16/138234

Inventors:

- Purchase NY, US
Sandeep Malhotra - Greenwich CT, US
Mostafa Sabet - Greenwich CT, US
Shanthan Subramaniam - Baldwin Place NY, US

International Classification:

G06Q 20/38

Abstract:

A method includes receiving a request for payment credentials. The request indicates an account from which payment for a transaction is to be made. A payment token is looked-up that corresponds to the indicated account. Dynamic expiry data and a dynamic token verification code are generated. As a response to the request, the looked-up payment token, the generated dynamic expiry data and the generated dynamic token verification code are transmitted.

US Patent:

20200082356, Mar 12, 2020

Filed:

Sep 6, 2018

Appl. No.:

16/123404

Inventors:

- Purchase NY, US
Martin Hargreaves - High Wycombe, GB
Shanthan Subramaniam - Baldwin Place NY, US

International Classification:

G06Q 20/02
G06Q 20/10

Abstract:

A method includes receiving a first ACH (automated clearing house) transaction at a local (domestic) sponsor bank. The first ACH transaction originates from a domestic originating bank. In response to the first ACH transaction, a second ACH transaction is executed from the local sponsor bank to a foreign sponsor bank. The second ACH transaction includes addressing messaging. The addressing messaging indicates a receiving bank in the same country as the foreign sponsor bank. The receiving bank is designated to receive a third ACH transaction from the foreign sponsor bank to benefit a recipient's account at the receiving bank. The addressing messaging contains an account number to identify the recipient's account.

US Patent:

20200005106, Jan 2, 2020

Filed:

Sep 11, 2019

Appl. No.:

16/567439

Inventors:

- Purchase NY, US
Suman Rausaria - Ballwin MO, US
Shanthan Subramaniam - Baldwin Place NY, US
Sandeep Malhotra - Greenwich CT, US

International Classification:

G06K 19/06
G06Q 20/38

Abstract:

Methods and apparatus for generating a secure QR code for use in a purchase transaction. In an embodiment, a directory service computer verifies the identity of a merchant by matching an acquirer financial institution (FI)-signed certificate and a stored certificate, wherein the acquirer FI-signed certificate was received from a merchant device along with a secure QR code request. The directory service computer then establishes an encrypted and Pinned SSL tunnel with the merchant device, receives a transaction message including a transaction amount, a universal unique identifier (UUID), and a transaction identifier (ID), updates an application transaction count (ATC) associated with the merchant, and generates and stores a secure one-way Hash value, generated by using a merchant identifier (ID), the transaction amount, the ATC, the UUID, and the transaction ID. The directory service computer next generates a dynamic secure QR code by combining the Hash value, the transaction ID and the merchant ID, and transmits the dynamic secure QR code to the merchant device for use in conducting a purchase transaction.