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公开(公告)号：US12182861B2
公开(公告)日：2024-12-31
申请号：US18331220
申请日：2023-06-08
Applicant: Synchrony Bank
Inventor： Jonathan M. Schmidt , Viveka Vardhan Ravi , Tushar Divecha , Jennifer E. Muller , Taylor Young , Gregory Schultz , Seamus Sullivan , Prakash Kothandapani
Abstract: Examples described herein include systems, methods, instructions, and other implementations for data security with integrated installment payment systems. In one example, account security system receives a checkout communication that includes data describing a validated checkout system of a merchant system. A client token is transmitted in response to an authentication that the checkout communication is from the validated checkout system, and an account communication including the client token and secure client information is received from a client device. An installment payment communication associated with the secure transaction is received from a system other than a merchant system involved in the transaction. The secure transaction is then facilitated following receipt of the installment payment communication.
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公开(公告)号：US20210406890A1
公开(公告)日：2021-12-30
申请号：US17357035
申请日：2021-06-24
Applicant: Synchrony Bank
Inventor： Viveka Vardhan Ravi , Anil Kumar Mothea
IPC: G06Q20/40
Abstract: Examples describe data security and routines structured to avoid conflicts. One example includes accessing data for a merchant website including a framework with a first routine for a function, and accessing an account security element for the merchant website with a second routine associated with an account security system for the function. The second routine is optimized to avoid conflicts with the first routine. The framework is automatically updated while the second routine is maintained with no changes. The merchant website data is then transmitted with the updated first routine and the account security element with the second routine, where the updated first routine and the second routine facilitate data security on the client device without framework conflicts when the updated first routine for the function and the second routine for the function operate concurrently on the client device.
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公开(公告)号：US12056700B2
公开(公告)日：2024-08-06
申请号：US18177830
申请日：2023-03-03
Applicant: Synchrony Bank
Inventor： Viveka Vardhan Ravi , Anil Kumar Mothea
IPC: G06F15/16 , G06F9/46 , G06Q20/40 , H04L41/0873
CPC classification number: G06Q20/401 , G06F9/46 , H04L41/0873
Abstract: Examples describe data security and routines structured to avoid conflicts. One example includes accessing data for a merchant website including a framework with a first routine for a function, and accessing an account security element for the merchant website with a second routine associated with an account security system for the function. The second routine is optimized to avoid conflicts with the first routine. The framework is automatically updated while the second routine is maintained with no changes. The merchant website data is then transmitted with the updated first routine and the account security element with the second routine, where the updated first routine and the second routine facilitate data security on the client device without framework conflicts when the updated first routine for the function and the second routine for the function operate concurrently on the client device.
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公开(公告)号：US20230033957A1
公开(公告)日：2023-02-02
申请号：US17815416
申请日：2022-07-27
Applicant: Synchrony Bank
Inventor： Joydeep Mukherjee , Karen Yagnesak , Viveka Vardhan Ravi , Sarath Vadakapurapu , Ravish Kumar , Vish Dadireddy
IPC: H04L69/40 , G06F9/50 , H04L67/142
Abstract: Systems and method are provided for providing a waterfall gateway configured to enable communication between disparate devices. The waterfall gateway receives an indication that a first resource request was denied by a server. In response, the waterfall gateway identifies two or more client devices configured to provide services to the user. The waterfall gateway generates a resource request waterfall that includes a sequence of client devices of the two or more client devices. The resource request waterfall is configured to facilitate resource request transmissions to the one or more client devices according to the sequence of client devices. The waterfall gateway facilitates a transmission of a second resource request to a first client device in the sequence of client devices.
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公开(公告)号：US20230031114A1
公开(公告)日：2023-02-02
申请号：US17815404
申请日：2022-07-27
Applicant: Synchrony Bank
Inventor： Joydeep Mukherjee , Karen Yagnesak , Viveka Vardhan Ravi , Sarath Vadakapurapu , Ravish Kumar , Vish Dadireddy
IPC: G06Q20/40
Abstract: Systems, methods, devices, instructions, and other aspects are provided for unique device identification. In one aspect, a method is providing including receiving, at a server computer, transaction data associated with a client device, wherein the transaction data includes device configuration data, aggregating the device configuration data for the client device received within a threshold time period to generate a unique set of device configuration characteristics, receiving, at the server computer, transaction request data associated with the client device, verifying the client device using the unique set of device configuration characteristics, and facilitating a transaction associated with the transaction request data based on verification of the client device using the unique set of device configuration characteristics.
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Patent Agency Ranking
公开(公告)号：US20220005034A1
公开(公告)日：2022-01-06
申请号：US17365266
申请日：2021-07-01
Applicant: Synchrony Bank
Inventor： Viveka Vardhan Ravi , Tushar Divecha , Deborah Bernert , Jon Schmidt , Ashok Uppalapati , Ajay Yadav , Craig Urbansky
IPC: G06Q20/40
Abstract: Examples describe data security for communication systems. One example includes validating a merchant system using merchant data and generating a set of merchant credentials. The set of merchant credentials is then used in authentication to facilitate a secure transaction, which involves automatically generating transaction data with a tokenized client account number associated with the secure transaction. A refund request associated with the secure transaction is received with the set of merchant credentials that are used for automatically authenticating the merchant system. The example then involves accessing a database that includes the transaction data for automatically facilitating settlement of a refund payment using the authenticated merchant system and the transaction data.
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公开(公告)号：US20210406902A1
公开(公告)日：2021-12-30
申请号：US17357849
申请日：2021-06-24
Applicant: Synchrony Bank
Inventor： Deborah Bernert , Taylor Young , Jonathan M. Schmidt , Craig Urbansky , Viveka Vardhan Ravi
Abstract: Examples described herein include systems, methods, instructions, and other implementations for data security. One example includes receiving a checkout communication associated with a secure transaction, where the checkout communication includes a first child merchant identifier associated with a first child merchant system, a second child merchant identifier associated with a second child merchant system, and a parent merchant identifier associated with a parent merchant system. The parent merchant identifier is associated with multiple different child merchant identifiers. The parent merchant system is then authenticated using the parent merchant identifier. The authentication of the parent merchant system is then used to facilitate payments with the multiple different child merchant systems.
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公开(公告)号：US20240420137A1
公开(公告)日：2024-12-19
申请号：US18759828
申请日：2024-06-29
Applicant: Synchrony Bank
Inventor： Viveka Vardhan Ravi , Anil Kumar Mothea
IPC: G06Q20/40 , G06F9/46 , H04L41/0873
Abstract: Examples describe data security and routines structured to avoid conflicts. One example includes accessing data for a merchant website including a framework with a first routine for a function, and accessing an account security element for the merchant website with a second routine associated with an account security system for the function. The second routine is optimized to avoid conflicts with the first routine. The framework is automatically updated while the second routine is maintained with no changes. The merchant website data is then transmitted with the updated first routine and the account security element with the second routine, where the updated first routine and the second routine facilitate data security on the client device without framework conflicts when the updated first routine for the function and the second routine for the function operate concurrently on the client device.
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公开(公告)号：US20240086916A1
公开(公告)日：2024-03-14
申请号：US18469617
申请日：2023-09-19
Applicant: Synchrony Bank
Inventor： Viveka Vardhan Ravi , Tushar Divecha , Deborah Bernert , Jonathan M. Schmidt , Ashok Uppalapati , Ajay Yadav , Craig Urbansky
IPC: G06Q20/40
CPC classification number: G06Q20/401
Abstract: Examples describe data security for communication systems. One example includes validating a merchant system using merchant data and generating a set of merchant credentials. The set of merchant credentials is then used in authentication to facilitate a secure transaction, which involves automatically generating transaction data with a tokenized client account number associated with the secure transaction. A refund request associated with the secure transaction is received with the set of merchant credentials that are used for automatically authenticating the merchant system. The example then involves accessing a database that includes the transaction data for automatically facilitating settlement of a refund payment using the authenticated merchant system and the transaction data.
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公开(公告)号：US20230394571A1
公开(公告)日：2023-12-07
申请号：US18331220
申请日：2023-06-08
Applicant: Synchrony Bank
Inventor： Jonathan M. Schmidt , Viveka Vardhan Ravi , Tushar Divecha , Jennifer E. Muller , Taylor Young , Gregory Schultz , Seamus Sullivan , Prakash Kothandapani
CPC classification number: G06Q40/03 , G06Q20/4097 , G06Q20/4016 , G06F21/6245 , G06Q20/385 , H04L63/04
Abstract: Examples described herein include systems, methods, instructions, and other implementations for data security with integrated installment payment systems. In one example, account security system receives a checkout communication that includes data describing a validated checkout system of a merchant system. A client token is transmitted in response to an authentication that the checkout communication is from the validated checkout system, and an account communication including the client token and secure client information is received from a client device. An installment payment communication associated with the secure transaction is received from a system other than a merchant system involved in the transaction. The secure transaction is then facilitated following receipt of the installment payment communication.
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