Shipra K Jha

US Patent:

20130211987, Aug 15, 2013

Filed:

Feb 13, 2013

Appl. No.:

13/766054

Inventors:

Visa International Service Association - , US
Shipra Jha - Fremont CA, US

Assignee:

Visa International Service Association - San Francisco CA

International Classification:

G06Q 40/00

US Classification:

705 35

Abstract:

Systems and methods configured to use a set of web services to facilitate the management, administration, and fulfillment of account features assigned on the basis of individual payment accounts. The web services include a service configured to query for account features assigned to a specific account, a service configured to query for account features available to a specific account, a service configured to query for disclosure material relevant to an account feature assigned to a specific account, a service configured to submit user acceptance of terms and conditions of an account feature by an account holder of a specific account, and a service configured to request assignment of an account feature to a specific account. The web services allow a third party to build customized applications to manage account features for assignment and fulfillment, based on a set of centralized and secured account feature data.

US Patent:

20120233073, Sep 13, 2012

Filed:

Jan 11, 2012

Appl. No.:

13/348634

Inventors:

Diane Salmon - Lafayette CA, US
Susan French - , US
Victoria Graham - Centennial CO, US
Amil Bhargava - San Jose CA, US
Shipra Jha - Fremont CA, US
Mark Carlson - Half Moon Bay CA, US
Edward Katzin - San Francisco CA, US
Julian Hua - San Francisco CA, US

International Classification:

G06Q 40/00
G06Q 30/06

US Classification:

705 44, 705 39

Abstract:

The UNIVERSAL VALUE EXCHANGE APPARATUSES, METHODS AND SYSTEMS (“UVE”) transform cross-ecosystem currency exchange instructions via UVE components into cross-ecosystem currency exchanges. In one embodiment, the UVE may obtain a cross-ecosystem currency exchange instruction and determine one or more sources and destinations based on parsing the cross-ecosystem currency exchange instruction. The UVE may identify currency types associated with the sources and the destinations and determine exchange rates of the currency types relative to a standard currency. In one implementation, the UVE may obtain currency exchange restrictions and conditions associated with the sources and the destinations and generate a currency exchange flow path for currency transfer from the sources to the destinations. The UVE may also issue currency transfer requests to the sources and the destinations, determine that the cross-ecosystem currency exchange has been completed and provide a notification of completion of the cross-ecosystem currency exchange.

US Patent:

20220245641, Aug 4, 2022

Filed:

Feb 4, 2021

Appl. No.:

17/168035

Inventors:

- San Francisco CA, US
Thomas PURVES - San Francisco CA, US
Prasad Madhukar GORE - Reading, GB
Shipra JHA - Fremont CA, US

Assignee:

Visa International Service Association - San Francisco CA

International Classification:

G06Q 20/40
G06Q 20/22
G06Q 20/10
G06K 9/62
G06N 20/00

Abstract:

A system for intelligent recurring transaction processing and fraud detection comprises an artificial intelligence (AI) platform including machine learning (ML) models that are in communication with server computers. The servers access historical payment transaction data from a transaction database to train the ML models to predict future recurring transactions. The servers receive an authorization request from an acquirer for a payment transaction by a cardholder using a payment device, process the authorization request to the issuer and transmit a response. Transaction data from the authorization request is input into the ML models to predict whether the payment transaction comprises a recurring payment transaction and if so, determine a predicted date of a next recurring transaction. An API call is initiated to the issuer with transaction attributes regarding the next recurring payment transaction prior to the predicted date, and the issuer sends an alert message directly to the cardholder.

US Patent:

20230014781, Jan 19, 2023

Filed:

Sep 27, 2022

Appl. No.:

17/953495

Inventors:

- San Francisco CA, US
Anup Tripathi - Foster City CA, US
Shipra Jha - Foster City CA, US
Claudia Wyatt - Foster City CA, US

International Classification:

G06Q 20/22
G06Q 20/40
G06Q 20/32

Abstract:

A computerized method for providing an interactive graphical user interface (GUI) to a user on a display of a mobile device. The method interacts with the user to obtain information about a first payment account and a second payment account. The method aggregates parameters of the first payment account and the second payment account on a unified GUI on the mobile device. The method further monitors transactions of the first payment account and the second payment account. When a particular transaction conducted by the first payment account includes parameters associated with the second payment, the method identifies that particular transaction and presents a confirmation GUI screen to the user to confirm using the second payment account instead.

US Patent:

20210398206, Dec 23, 2021

Filed:

Aug 31, 2021

Appl. No.:

17/462881

Inventors:

- San Francisco CA, US
Shipra Jha - Fremont CA, US

International Classification:

G06Q 40/02

Abstract:

A portal to provide user interfaces to users to access and/or purchase account features in connection with websites of issuers. The user interfaces have white label configurability that allows the issuers to customize the labeling of the user interfaces such that the user interfaces can be perceived as part of the websites of the issuers of the consumer accounts of the respective users. The user interfaces are configured to present, in a user friendly way, the account features currently in the consumer accounts, as well as optional account features that can be purchased at additional costs.

US Patent:

20200167755, May 28, 2020

Filed:

Nov 22, 2018

Appl. No.:

16/198866

Inventors:

PRITHVIRAJ CHOUDHURY - Foster City CA, US
ANUP TRIPATHI - Foster City CA, US
SHIPRA JHA - FOSTER CITY CA, US
CLAUDIA WYATT - FOSTER CITY CA, US

International Classification:

G06Q 20/22
G06F 9/451
G06Q 20/40
G06Q 20/32

Abstract:

A computerized method for providing an interactive graphical user interface (GUI) to a user on a display of a mobile device. The method interacts with the user to obtain information about a first payment account and a second payment account. The method aggregates parameters of the first payment account and the second payment account on a unified GUI on the mobile device. The method further monitors transactions of the first payment account and the second payment account. When a particular transaction conducted by the first payment account includes parameters associated with the second payment, the method identifies that particular transaction and presents a confirmation GUI screen to the user to confirm using the second payment account instead.

US Patent:

20190287170, Sep 19, 2019

Filed:

May 31, 2019

Appl. No.:

16/427778

Inventors:

- San Francisco CA, US
Shipra Jha - Fremont CA, US

International Classification:

G06Q 40/02

Abstract:

A portal to provide user interfaces to users to access and/or purchase account features in connection with websites of issuers. The user interfaces have white label configurability that allows the issuers to customize the labeling of the user interfaces such that the user interfaces can be perceived as part of the websites of the issuers of the consumer accounts of the respective users. The user interfaces are configured to present, in a user friendly way, the account features currently in the consumer accounts, as well as optional account features that can be purchased at additional costs.

US Patent:

20190244192, Aug 8, 2019

Filed:

Feb 12, 2019

Appl. No.:

16/273976

Inventors:

- San Francisco CA, US
Julian Hua - San Francisco CA, US
Gregory Kenneth Storey - Lilli Pilli, AU
Michael Mori - San Mateo CA, US
Abhinav Shrivastava - Redmond WA, US
Amit Bhargava - San Jose CA, US
Andrew Beck - San Francisco CA, US
Ayman Hammad - Pleasanton CA, US
Ben Pfisterer - Northcote, AU
Diane Salmon - Lafayette CA, US
Igor Karpenko - Sunnyvale CA, US
Jennifer Schulz - Pacific Palisades CA, US
Miroslav Gavrilov - Santa Clara CA, US
Peter Ciurea - Orinda CA, US
Patrick Faith - Pleasanton CA, US
Phillip Kumnick - Phoenix AZ, US
Saurav Chatterjee - Foster City CA, US
Sebastian Badea - Sunnyvale CA, US
Shaw Li - San Francisco CA, US
Shipra Jha - Fremont CA, US
Stacy Pourfallah - San Ramon CA, US
Susan French - Foster City CA, US
Tenni Theurer - San Jose CA, US
Theodore Harris - San Francisco CA, US
Thomas Purves - San Francisco CA, US
Vanita Pandey - Foster City CA, US
Victoria Graham - Centennial CO, US
Prakash Hariramani - San Francisco CA, US

International Classification:

G06Q 20/36
G06Q 30/00
G06Q 30/06
G06Q 20/32
G06Q 20/20
G07F 7/08

Abstract:

The UNIVERSAL ELECTRONIC PAYMENT APPARATUSES, METHODS AND SYSTEMS (“UEP”) transform touchscreen inputs into a virtual wallet mobile application interface via UEP components into purchase transaction triggers and receipt notices. In one implementation the UEP provides, via a user device, a product information search request; and obtains, in response to the product information search request, information on a first product for sale by a first merchant and a second product for sale by a second merchant. The UEP generates a single purchase transaction request, using the information on the first product for sale by the first merchant and the second product for sale by the second merchant. The UEP provides, via the user device, the single purchase transaction request for payment processing. Also, the UEP obtains an electronic purchase receipt for the first product for sale by the first merchant and the second product for sale by the second merchant.