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Balasubramanian, OH
Chandra Balasubramanian, Lakewood, OH US
| Patent application number | Description | Published |
|---|---|---|
| 20110099086 | METHOD AND/OR SYSTEM FOR EXTENDING PAYMENT SYSTEM ARCHITECTURES AND/OR LEGACY ORDER PROCESSING SYSTEMS TO MOBILE COMMERCE APPLICATIONS VIA TEXT MESSAGING - A text message order processing system includes: means for receiving text messages from consumers purchasing products from one or more merchants, each of the text messages being addressed to an address selected by the consumer and including an identification of the product being purchased and an identification of a device from which the text message was sent; means for parsing each text messages to extract the identification of the product and the identification of the device from the text massage; means for selecting based upon each received text message a payment instrument to be used to pay for the purchase; means for establishing payment information related to the selected payment instrument and delivery information indicating where the purchased product is to be delivered; means for generating for each received text message an order including the established payment information, delivery information and identification of the product being purchased; and, means for submitting the generated order to an order management system of the merchant. | 04-28-2011 |
Chandra Balasubramanian, Mentor-On-The-Lake, OH US
| Patent application number | Description | Published |
|---|---|---|
| 20100241570 | SECURE AND EFFICIENT PAYMENT PROCESSING SYSTEM - A method of processing commercial transactions carried out over the Internet ( | 09-23-2010 |
Chandra Balasubramanian, Cleveland, OH US
| Patent application number | Description | Published |
|---|---|---|
| 20090265460 | SYSTEM AND METHOD FOR TRACKING USER IDENTITY AND/OR ACTIVITY ACROSS MULTIPLE WEBSITES - A method of tracking a user and the user's activities on a telecommunications network. The method includes receiving a notification from a first web server that the user has accessed a first webpage on a first website, wherein the notification is received via a user tracking server operated by a tracking coordinator, setting a session cookie including a user tracking ID on the user's computer and/or web browser to track the user's activities on the network and storing tracking data for the user in a database associated with the user tracking server, receiving an indication from a second web server that the user has accessed a second webpage on a second website, wherein the second webpage comprises a confirmation webpage that includes transaction data for the user, retrieving the user tracking ID from the session cookie and associating the user tracking ID retrieved from the cookie with the transaction data obtained from the second webpage, and reporting the user tracking data to the first web server. | 10-22-2009 |
| 20090299878 | UNIVERSAL PAYMENTS DASHBOARD - A universal payments dashboard system provides eCommerce merchants with an easy to integrate web page (inline frame) that displays all alternative payment button options that consumers can use on the merchant website(s) to pay for the purchase. Such merchants can display the dashboard on their shopping cart page(s) and on their checkout page(s) at the point where users select the payment option. The dashboard communicates with a payment dashboard provider to complete the payment for the transaction, including any consumer interaction such as entering checking account information, personal details, etc. Upon completing the payment for the order, the dashboard provides the merchant with the completed order information (e.g., a prepaid order) along with all the payment information. The dashboard supports all alternative payment options, payment transaction notifications to enable single cash register functionality and work in conjunction with alternative payment initiatives. | 12-03-2009 |
| 20110167002 | UNIVERSAL MERCHANT PLATFORM FOR PAYMENT AUTHENTICATION - A method of processing of a transaction between a first and second party is provided. The first party accepts payment via a plurality of different payment options selectable by the second party, and the plurality of different payment options are associated with a plurality of different authentication protocols prescribed therefor. The method includes: receiving payment information over a communications network at a server operatively connected to the communications network, the payment information identifying a particular payment option used by the second party for the transaction, and the server being equipped to format and route messages over the communications network in different manners to accommodate the plurality of different authentication protocols; determining from the payment information received at the server which of the different authentication protocols is prescribed for the type of payment option identified in the payment information; selecting, in accordance with the determination, a particular authentication protocol from the plurality of different authentication protocols supported by the server; obtaining an authentication determination for the transaction in accordance with the selected authentication protocol, including formatting messages and routing the formatted messages over the communications network in accordance with one or more mandates of the selected authentication protocol; and generating a one-time number to be sent back to the first party. | 07-07-2011 |
Chandra A. Balasubramanian, Mentor-On-The-Lake, OH US
| Patent application number | Description | Published |
|---|---|---|
| 20100023453 | DYNAMIC NUMBER AUTHENTICATION FOR CREDIT/DEBIT CARDS - A method and apparatus for conducting a commercial transaction over the Internet or other network connection are provided. The method includes the use of random numbers which are unique for each user session. These random numbers are pre-loaded onto a handheld, portable device, token, at the time of the device's manufacture or programming. These numbers are generated by external systems. The external systems then deliver the number sets to the token for storage in the token's internal memory and also to another random number database that is accessible by an authentication system. The random numbers are dispensed by the token to a user by pressing a button on the token or otherwise signaling the token. A simple polynomial equation may be employed in order to increase the number of codes. A dispensed number is cross referenced, by the authentication system, to the random number database that was created when the token was programmed. In this way the user or transaction can be authenticated. In its preferred configuration, it is intended that once the total number of random combinations, including the original random numbers and numbers generated by polynomial transformations, have been exhausted, the device becomes inoperable. | 01-28-2010 |
Chandra S. Balasubramanian, Cleveland, OH US
| Patent application number | Description | Published |
|---|---|---|
| 20090313147 | ALTERNATIVE PAYMENT IMPLEMENTATION FOR ELECTRONIC RETAILERS - A method of processing a transaction between a merchant and a buyer over a communication network is provided. The transaction is processed using one of a plurality of alternative payment options and each of the alternative payment options are provided by one of a plurality of alternative payment providers. Each of the alternative payment providers uses a different alternative payment implementation. The method includes: obtaining transaction information from the merchant; returning a redirection URL and an order identifier to the merchant; obtaining a transaction message from the merchant, where the transaction message specifies the type of operation; performing the operation type specified in the transaction message with the appropriate alternative payment provider; and returning a processing message to the merchant containing the results from performing the operation type specified in the transaction message. | 12-17-2009 |
Chandra S. Balasubramanian, Lakewood, OH US
| Patent application number | Description | Published |
|---|---|---|
| 20080281722 | TEXT-TO-BUY WAP APPLICATION SERVER - An electronic platform ( | 11-13-2008 |
| 20090119205 | SECURE AND EFFICIENT PAYMENT PROCESSING SYSTEM - A method is provided for carrying out commercial transactions. The method includes the steps of: establishing a transaction processing system on an electronic communications network; establishing an account within the transaction processing system for a corresponding account holder; obtaining from the account holder a session description of acceptable future commercial transactions related to the account; administering commercial transactions carried out via the transaction processing system; and, verifying that administered commercial transactions related to the account meet one or more of the session description. | 05-07-2009 |
| 20100169215 | UNIVERSAL MERCHANT PLATFORM FOR PAYMENT AUTHENTICATION - A method is provided for supporting processing of a transaction conducted between a first party and a second party. The first party accepts payment via a plurality of different payment options selectable by the second party, and the plurality of different payment options are associated with a plurality of different authentication protocols prescribed therefor. The method includes: receiving payment information over a communications network at a server operatively connected to the communications network, the payment information identifying a particular payment option used by the second party for the transaction, and the server being equipped to format and route messages over the communications network in different manners to accommodate the plurality of different authentication protocols; determining from the payment information received at the server which of the different authentication protocols is prescribed for the type of payment option identified in the payment information; selecting, in accordance with the determination, a particular authentication protocol from the plurality of different authentication protocols supported by the server; and, obtaining an authentication determination for the transaction in accordance with the selected authentication protocol, including formatting messages and routing the formatted messages over the communications network in accordance with one or more mandates of the selected authentication protocol. | 07-01-2010 |
Chandra S. Balasubramanian, Mentor-On-The-Lake, OH US
| Patent application number | Description | Published |
|---|---|---|
| 20100030625 | AFFINITY SHOPPING PORTAL - A method of administering a commercial transaction carried out over a communications network ( | 02-04-2010 |
| 20100325694 | CENTRALIZED IDENTITY AUTHENTICATION FOR ELECTRONIC COMMUNICATION NETWORKS - A method of centralized identity authentication for use in connection with a communications network includes registering users of the communications network such that each registered user's identity is uniquely defined and determinable, and registering a plurality of vendors having a presence on the communications network. The registered vendors selectively transact with registered users, wherein the transactions include: (i) the registered vendor selling goods and/or services to the registered user; (ii) the registered vendor granting the registered user access to personal records maintained by the registered vendor; and/or (iii) the registered vendor communicating to the registered user personal information maintained by the registered vendor. The method also includes each user's identity being authenticated over the communications network prior to completion of transactions between registered vendors and registered users. | 12-23-2010 |
| 20110071847 | SECURE ON-LINE AUTHENTICATION SYSTEM FOR PROCESSING PRESCRIPTION DRUG FULFILLMENT - A method of processing drug prescriptions via a communications network includes registering doctors, pharmacies and patients as participants such that each registered participant's identity is uniquely defined and determinable. Registered doctors from which prescriptions are received via the communications network have their identities authenticated. Each of the received prescriptions indicates a respective registered patient's identity for whom the prescription is intended. Registered patients from which orders are received via the communications network also have their identities authenticated. Each of the received orders indicates the prescription being ordered. The method also includes forwarding the orders to registered pharmacies via the communications network. | 03-24-2011 |
Sivaram Balasubramanian, Solon, OH US
| Patent application number | Description | Published |
|---|---|---|
| 20090172230 | DISTRIBUTED REAL-TIME OPERATING SYSTEM - A distributed control system and methods of operating such a control system are disclosed. In one embodiment, the distributed control system is operated in a manner in which interrupts are at least temporarily inhibited from being processed to avoid excessive delays in the processing of non-interrupt tasks. In another embodiment, the distributed control system is operated in a manner in which tasks are queued based upon relative timing constraints that they have been assigned. In a further embodiment, application programs that are executed on the distributed control system are operated in accordance with high-level and/or low-level requirements allocated to resources of the distributed control system. | 07-02-2009 |
| 20100031340 | NETWORK SECURITY MODULE FOR ETHERNET-RECEIVING INDUSTRIAL CONTROL DEVICES - A high-speed security device for network connected industrial controls provides hybrid processing in tandem hardware and software security components. The software security component establishes state-less data identifying each packet that requires high-speed processing and loads a data table in the hardware component. The hardware component may then allow packets matching data of the data table to bypass the software component while passing other non-matching packets to the software component for more sophisticated state analysis. | 02-04-2010 |
| 20100290339 | Fault-Tolerant Ethernet Network - Fault-tolerant Ethernet is provided through the use of special interfaces providing duplicate ports that may be alternatively enabled with the same network address. A switching between the ports, corrects for single faults in a two-way redundant system without time-consuming reconfiguration of other end devices or the need for complex middleware in the end devices. | 11-18-2010 |
| 20100333102 | Distributed Real-Time Operating System - A distributed control system and methods of operating such a control system are disclosed. In one embodiment, the distributed control system is operated in a manner in which interrupts are at least temporarily inhibited from being processed to avoid excessive delays in the processing of non-interrupt tasks. In another embodiment, the distributed control system is operated in a manner in which tasks are queued based upon relative timing constraints that they have been assigned. In a further embodiment, application programs that are executed on the distributed control system are operated in accordance with high-level and/or low-level requirements allocated to resources of the distributed control system. | 12-30-2010 |