Shilpak Prakash Mahadkar

US Patent:

20110238553, Sep 29, 2011

Filed:

Jun 2, 2010

Appl. No.:

12/792275

Inventors:

Ashwin Raj - Foster City CA, US
John Richard Tullis - San Francisco CA, US
Shilpak Mahadkar - Oakland CA, US
Rupa Vazirani - Menlo Park CA, US

International Classification:

G06Q 40/00
G06Q 20/00
G06Q 10/00

US Classification:

705 37, 705 41

Abstract:

Funds are electronically transferred between a provider and a beneficiary. A provider accountholder accesses a funds transfer system to communicate with a host. The provider accountholder sends the host information sufficient to process the electronic funds transfer including designating transfer conditions to be satisfied prior to remittance of the funds from a provider account to a beneficiary account. The host receives the funds transfer request from the provider accountholder, receives authorization of the funds transfer from the issuer of the provider account, and, prior to remitting the funds, determines if the transfer conditions are satisfied. In some implementations, the funds are suspended in the provider account or transferred to a temporary account before the remittance. A system is disclosed for generating a payment card for any beneficiary account type, where the funds transfers terminates in a new account opening, followed by funding of that new account.

US Patent:

20120101881, Apr 26, 2012

Filed:

May 25, 2011

Appl. No.:

13/115933

Inventors:

Mary Theresa Taylor - San Francisco CA, US
Karen L. Cervenka - Belmont CA, US
Shilpak Mahadkar - Oakland CA, US
Barbara Elizabeth Patterson - South San Francisco CA, US

International Classification:

G06Q 30/02

US Classification:

705 1413, 705 1438, 705 1436

Abstract:

The LOYALTY PROMOTION APPARATUSES, METHODS AND SYSTEMS (“L-PROMO”) transforms consumer credentials, consumer opt-in activities, and, merchant campaign setup inputs via L-PROMO components into a financial transaction and offer redemption outputs. In one implementation, a method is disclosed, comprising: receiving consumer identifying information from a consumer electronic wallet vehicle; receiving merchant information and a proposed transaction from a merchant terminal; initiating consumer payment by sending a payment approval to an electronic wallet account; receiving a request to apply a promotional offer; determining consumer eligibility to apply the promotional offer to the proposed transaction; applying the promotional offer to the proposed transaction by returning credits to the consumer based on terms of the promotional offer; sending transaction details to the consumer; and sending a message to a social network indicating the transaction on the consumer's social media page.

US Patent:

20130054454, Feb 28, 2013

Filed:

Sep 21, 2012

Appl. No.:

13/624779

Inventors:

Thomas Purves - San Francisco CA, US
Shilpak Mahadkar - Foster City CA, US
Ayman Hammad - Pleasanton CA, US

International Classification:

G06Q 20/36

US Classification:

705 41

Abstract:

The WALLET SERVICE ENROLLMENT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“WSEP”) facilitates the enrollment of payment accounts in a consumer's virtual wallet. The consumer may be logged into their payment account issuer's web site and designate one or more payment accounts for enrollment in a virtual wallet. The issuer may then share account, billing and/or other relevant information with the virtual wallet provider to facilitate the enrollment of the designated payment accounts in the virtual wallet. The WSEP may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet.

US Patent:

20130159154, Jun 20, 2013

Filed:

Aug 17, 2012

Appl. No.:

13/589053

Inventors:

Thomas Purves - San Francisco CA, US
Shilpak Mahadkar - Foster City CA, US
Ayman Hammad - Pleasanton CA, US

International Classification:

G06Q 20/36

US Classification:

705 35

Abstract:

The WALLET SERVICE ENROLLMENT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“WSEP”) facilitates the enrollment of payment accounts in a consumer's virtual wallet. The consumer may be logged into their payment account issuer's web site and designate one or more payment accounts for enrollment in a virtual wallet. The issuer may then share account, billing and/or other relevant information with the virtual wallet provider to facilitate the enrollment of the designated payment accounts in the virtual wallet. The WSEP may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet.

US Patent:

20130246261, Sep 19, 2013

Filed:

Mar 13, 2013

Appl. No.:

13/802658

Inventors:

Thomas Purves - San Francisco CA, US
Shilpak Mahadkar - Foster City CA, US
Tenni Theurer - San Jose CA, US
Ayman Hammad - Pleasanton CA, US

International Classification:

G06Q 20/10

US Classification:

705 41

Abstract:

The MULTI-DIRECTIONAL WALLET CONNECTOR APPARATUSES, METHODS AND SYSTEMS (“W-CONNECTOR”) facilitates the enrollment of payment accounts in a consumer's virtual wallet. The consumer may be logged into their payment account issuer's web site and designate one or more payment accounts for enrollment in a virtual wallet. The issuer may then share account, billing and/or other relevant information with the virtual wallet provider to facilitate the enrollment of the designated payment accounts in the virtual wallet. The W-CONNECTOR may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet.

US Patent:

20100161404, Jun 24, 2010

Filed:

Nov 23, 2009

Appl. No.:

12/624184

Inventors:

Mary Theresa Taylor - San Francisco CA, US
Karen L. Cervenka - Belmont CA, US
Shilpak Mahadkar - Oakland CA, US
Barbara Elizabeth Patterson - South San Francisco CA, US

International Classification:

G06Q 20/00
G06Q 30/00

US Classification:

705 1438, 705 44

Abstract:

Disclosed methods enable an open loop system processing of private label and co-branded account transactions. Implementations in the open loop system employ communications directly between a merchant and an issuer offering promotional financing for a promotional item being purchased from the merchant. Other implementations in the open loop system enable different transaction amounts in an authorization request message and its corresponding authorization response as are respectively sent and received by a merchant, where the different can be for a promotion offered to an accountholder for conducting a transaction on an account with the merchant.

US Patent:

20200058028, Feb 20, 2020

Filed:

Oct 25, 2019

Appl. No.:

16/664386

Inventors:

- San Francisco CA, US
Jessica Yang - Foster City CA, US
Shilpak Mahadkar - Oakland CA, US

International Classification:

G06Q 20/40
G06Q 20/32
G06Q 20/10
H04L 29/06
G06Q 20/42
H04W 12/00
G06Q 40/02

Abstract:

Embodiments of the invention provide systems and methods to unlock an account associated with a user for a limited period of time to enable the user conduct a transaction using funds from that account. In one embodiment of the invention, the user may select options relating to the transaction using a payment menu provided at a mobile communications device associated with the user. A notification message is received at the mobile communications device informing the user that the account is unlocked for a certain period of time and for a certain amount. After the transaction is complete, the user is notified and the account is locked again.

US Patent:

20180189756, Jul 5, 2018

Filed:

Dec 12, 2017

Appl. No.:

15/839493

Inventors:

- San Francisco CA, US
Shilpak Mahadkar - Oakland CA, US
Tenni Theurer - San Jose CA, US
Ayman Hammad - Pleasanton CA, US

International Classification:

G06Q 20/10
G06Q 20/28
G06Q 20/36

Abstract:

The MULTI-DIRECTIONAL WALLET CONNECTOR APPARATUSES, METHODS AND SYSTEMS (“W-CONNECTOR”) facilitates the enrollment of payment accounts in a consumer's virtual wallet. The consumer may be logged into their payment account issuer's web site and designate one or more payment accounts for enrollment in a virtual wallet. The issuer may then share account, billing and/or other relevant information with the virtual wallet provider to facilitate the enrollment of the designated payment accounts in the virtual wallet. The W-CONNECTOR may also be configured to facilitate the creation and funding of pre-paid accounts in a consumer's virtual wallet.