Rajasekaran M Dhamodharan

US Patent:

20120185315, Jul 19, 2012

Filed:

Mar 22, 2012

Appl. No.:

13/427657

Inventors:

James Alan VonDerheide - La Canada CA, US
Rajasekaran Dhamodharan - Redwood City CA, US

Assignee:

VISA U.S.A. INC. - San Francisco CA

International Classification:

G06Q 30/02

US Classification:

705 1423

Abstract:

Successive offer communications are sent to an offer recipient. A first offer communication includes an offer of a merchant and the second offer communication includes an announcement about the offer. The first and second offer communications are each formatted to be rendered by respective communication device, such as a mobile phone of the offer recipient or a Point of Interaction (POI) terminal. The content of the offer communications may be tailored to the offer recipient based on the offer recipient's past transactions within a transaction processing system or a real time geographical location of the offer recipient.

US Patent:

20100030644, Feb 4, 2010

Filed:

Aug 4, 2008

Appl. No.:

12/185332

Inventors:

Rajasekaran Dhamodharan - Redwood City CA, US

International Classification:

G06Q 30/00
G06F 17/30

US Classification:

705 1449, 705 10

Abstract:

Content and targeted advertisements are simultaneously provided to a client. Upon receiving a request for content from the client, a content provider requests a targeted advertisement from a transaction processor. The targeted advertisement is derived using a spending profile based upon a history of cashless acquired merchant transactions made by a consumer on an account, where the account has been associated with the consumer by the content provider. The targeted advertisement is selected from an advertisement database and is likely to attract the consumer's attention, resulting in a purchase being made on the account. Once the targeted advertisement is selected, it is received by the content provider and fitted to the dimensions of the advertising space. A page containing the targeted advertisement and requested content is delivered to the client where it is displayed on a display device and viewed by the consumer.

US Patent:

20190087822, Mar 21, 2019

Filed:

Sep 19, 2018

Appl. No.:

16/135963

Inventors:

- Purchase NY, US
Rajasekaran Dhamodharan - Redwood City CA, US
Mohammed Sadiq - Dubai, AE

International Classification:

G06Q 20/40
G06K 19/06

Abstract:

An onboarding system for onboarding merchants in real-time using digital activity client (DAC) data is provided. The onboarding system includes at least one onboarding computing device configured to generate one or more risk score rules based on a first set of DAC data received from a DAC computing device and one or more acquirer parameters received from an acquirer computing device. The onboarding computer device is also configured to transmit the one or more risk score rules to the DAC computing device, and receive a risk score for a merchant from the DAC computing device. The onboarding computing device is further configured to compare the risk score to a risk score threshold, and determine, based on the comparison, whether to approve or decline the merchant to onboard in the onboarding system.