Sandeep Malhotra, 5354 Travis Rd, Baldwin Place, NY 10505

2022032, Oct 13, 2022

Jun 21, 2022

17/844979

- PURCHASE NY, US
Sandeep Malhotra - Greenwich CT, US
Suman Rausaria - Ballwin MO, US

G06Q 20/40
G06Q 20/34
G06Q 20/26
G06Q 20/10

Methods and systems for providing a refund amount to a customer account for a payment transaction that occurred using a real-time payment network. In an embodiment, a supplemental payment services computer receives a refund request including a transaction reference and a token concerning a payment transaction between a merchant and a customer, determines that the payment transaction was effected in a real-time payment network, determines an issuer financial institution (FI) computer of an issuer FI maintaining a customer account represented by the token, transmits the refund request to the issuer FI computer, receives a favorable authorization response and transmits the authorization response to an acquirer FI computer associated with the merchant. The supplemental payment services computer also transmits a payment card network funds transfer credit message directing the issuer FI to credit the refund amount to the customer account and transmits a payment card network funds transfer debit message directing the acquirer FI to debit the refund amount from an account of the merchant to the acquirer FI computer. Next, the refund amount from the acquirer FI computer to the issuer FI computer is settled via a payment card account network settlement system computer.

2021010, Apr 8, 2021

Oct 4, 2019

16/593080

- Purchase NY, US
Sandeep Malhotra - Greenwich CT, US
Suman Rausaria - Ballwin MO, US

G06Q 20/22
G06Q 20/02
G06Q 20/38

A payment card account system transaction request is received. The request was initiated by acceptance of a payment card account transaction by a merchant. The request includes a transaction amount. It is determined whether the merchant has selected EFT (electronic funds transfer) settlement for the payment card account transaction that the merchant accepted. In response to the receiving step and also in response to a result of the determination as to whether EFT settlement was selected, an EFT transaction request is routed for the transaction amount to an EFT system to benefit the merchant.

2020039, Dec 17, 2020

Jun 13, 2019

16/440055

- Purchase NY, US
Sandeep Malhotra - Greenwich CT, US
Suman Rausaria - Ballwin MO, US

G06Q 20/40
G06Q 20/10
G06Q 20/26
G06Q 20/34

A request for a refund is received relative to a payment transaction implemented in a real-time payment system. The request is transmitted to an issuer financial institution that maintains an account for the payer in the payment transaction. A response is received from the issuer financial institution. The response is transmitted to an acquirer financial institution that provides financial services to the recipient of the payment transaction. A first transfer message is transmitted to the issuer financial institution directing the issuer financial institution to credit a refund amount to the payer's account and to debit a settlement holding account maintained by the issuer financial institution. A second transfer message is transmitted to the acquirer financial institution to debit the refund amount from the recipient's account. The refund amount is settled from the acquirer financial institution to the issuer financial institution via a payment card account network settlement system.

2020035, Nov 12, 2020

May 10, 2019

16/409237

- Purchase NY, US
Sandeep Malhotra - Greenwich CT, US
Marek Kurylko - Bloomfield NJ, US

MASTERCARD INTERNATIONAL INCORPORATED - Purchase NY

G06Q 20/02
G06Q 20/40
G06Q 20/36

A system and method for secure and intuitive payment transactions at an ecommerce merchant website with a client device. The system has a trusted platform that hosts a Mediator site and Manifest database that includes a plurality of Manifest files. Each Manifest file includes a unique identifier and mapped payor information for a payment entity. The platform uses the Manifest to validate trusted payment entities and provide the Mediator site. The Mediator site generates cookies with payor information from the Manifest files, which are transmitted stored on user devices. These cookies are employed to facilitate trusted and intuitive transactions at merchant websites using dynamic interface objects presented on the user's client device interface.

2020032, Oct 15, 2020

Apr 10, 2019

16/380044

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

G06Q 20/40
G06Q 20/10

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.

2020029, Sep 17, 2020

Jun 1, 2020

16/889057

- Purchase NY, US
Sandeep Malhotra - Greenwich CT, US
David Colby Brown - Dardenne Prairie MO, US

G06Q 40/02
G06Q 20/32
G06Q 20/36
G06F 13/40
G06Q 20/10
H04L 29/06

According to some embodiments, apparatus and methods are provided comprising a connector attachment including a housing, wherein the connector attachment is selectively connectable to a mobile device; and a first token stored within the connector attachment, wherein the first token is operative to execute a transaction with a second token. Numerous other aspects are provided.

2020012, Apr 23, 2020

Oct 17, 2019

16/656078

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

G06Q 20/34
G06Q 20/26

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.

2020009, Mar 26, 2020

Sep 21, 2018

16/138646

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

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

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.