Patents by Inventor Deborah Bernert

Deborah Bernert has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Patent number: 11966944
    Abstract: A system and method for processing promotions in connection with digital purchasing. Data associated with a digital purchase request made by a consumer (the data comprising a token, an amount associated with the transaction, a promotional code for each item included in the digital purchase request associated with a promotion, a default transaction amount, and a single default promotional code) is received from a merchant server. The single default promotional code is assigned to all items included in the digital purchase request that are associated with promotions. Using the token, account information associated with the consumer is retrieved from a database. For each promotional code received, promotional information is retrieved. The retrieved promotional information is displayed. The digital purchase request is submitted for processing using the single default promotional code.
    Type: Grant
    Filed: April 24, 2023
    Date of Patent: April 23, 2024
    Assignee: SYNCHRONY BANK
    Inventors: Rinki Garg, James Wallace, Jonathan Schmidt, Taylor Young, Prakash Kothandapani, Rajasekhara Palanki, Deborah Bernert, Jennifer Muller
  • Publication number: 20240086916
    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.
    Type: Application
    Filed: September 19, 2023
    Publication date: March 14, 2024
    Applicant: Synchrony Bank
    Inventors: Viveka Vardhan Ravi, Tushar Divecha, Deborah Bernert, Jonathan M. Schmidt, Ashok Uppalapati, Ajay Yadav, Craig Urbansky
  • Patent number: 11880834
    Abstract: Examples described herein include systems, methods, instructions, and other implementations for data security with integrated promotion systems. In one example, account security system receives a checkout communication that includes data describing a validated checkout system of a merchant system, where the checkout communication does not include a purchase promotion option. 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. A plurality of promotion options associated with the secure transaction is transmitted in response to the account communication, and a promotion selection for the secure transaction is received from the client device and not from the merchant system.
    Type: Grant
    Filed: July 16, 2021
    Date of Patent: January 23, 2024
    Assignee: SYNCHRONY BANK
    Inventors: Deborah Bernert, Taylor Young, Jonathan M. Schmidt, Gregory Schultz, Jay Neidermeyer, Craig Urbansky, Viveka Vardhan Ravi, Tushar Divecha
  • Publication number: 20230342809
    Abstract: A system and method for processing promotions in connection with digital purchasing. Data associated with a digital purchase request made by a consumer (the data comprising a token, an amount associated with the transaction, a promotional code for each item included in the digital purchase request associated with a promotion, a default transaction amount, and a single default promotional code) is received from a merchant server. The single default promotional code is assigned to all items included in the digital purchase request that are associated with promotions. Using the token, account information associated with the consumer is retrieved from a database. For each promotional code received, promotional information is retrieved. The retrieved promotional information is displayed. The digital purchase request is submitted for processing using the single default promotional code.
    Type: Application
    Filed: April 24, 2023
    Publication date: October 26, 2023
    Applicant: Synchrony Bank
    Inventors: Rinki Garg, James Wallace, Jonathan Schmidt, Taylor Young, Prakash Kothandapani, Rajasekhara Palanki, Deborah Bernert, Jennifer Muller
  • Patent number: 11797991
    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.
    Type: Grant
    Filed: July 1, 2021
    Date of Patent: October 24, 2023
    Assignee: SYNCHRONY BANK
    Inventors: Viveka Vardhan Ravi, Tushar Divecha, Deborah Bernert, Jonathan M. Schmidt, Ashok Uppalapati, Ajay Yadav, Craig Urbansky
  • Patent number: 11676170
    Abstract: A system and method for processing promotions in connection with digital purchasing. Data associated with a digital purchase request made by a consumer (the data comprising a token, an amount associated with the transaction, a promotional code for each item included in the digital purchase request associated with a promotion, a default transaction amount, and a single default promotional code) is received from a merchant server. The single default promotional code is assigned to all items included in the digital purchase request that are associated with promotions. Using the token, account information associated with the consumer is retrieved from a database. For each promotional code received, promotional information is retrieved. The retrieved promotional information is displayed. The digital purchase request is submitted for processing using the single default promotional code.
    Type: Grant
    Filed: June 22, 2021
    Date of Patent: June 13, 2023
    Assignee: SYNCHRONY BANK
    Inventors: Rinki Garg, James Wallace, Jonathan Schmidt, Taylor Young, Prakash Kothandapani, Rajasekhara Palanki, Deborah Bernert, Jennifer Muller
  • Publication number: 20220044275
    Abstract: A system and method for processing promotions in connection with digital purchasing. Data associated with a digital purchase request made by a consumer (the data comprising a token, an amount associated with the transaction, a promotional code for each item included in the digital purchase request associated with a promotion, a default transaction amount, and a single default promotional code) is received from a merchant server. The single default promotional code is assigned to all items included in the digital purchase request that are associated with promotions. Using the token, account information associated with the consumer is retrieved from a database. For each promotional code received, promotional information is retrieved. The retrieved promotional information is displayed. The digital purchase request is submitted for processing using the single default promotional code.
    Type: Application
    Filed: June 22, 2021
    Publication date: February 10, 2022
    Applicant: Synchrony Bank
    Inventors: Rinki Garg, James Wallace, Jonathan Schmidt, Taylor Young, Prakash Kothandapani, Rajasekhara Palanki, Deborah Bernert, Jennifer Muller
  • Publication number: 20220020007
    Abstract: Examples described herein include systems, methods, instructions, and other implementations for data security with integrated promotion systems. In one example, account security system receives a checkout communication that includes data describing a validated checkout system of a merchant system, where the checkout communication does not include a purchase promotion option. 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. A plurality of promotion options associated with the secure transaction is transmitted in response to the account communication, and a promotion selection for the secure transaction is received from the client device and not from the merchant system.
    Type: Application
    Filed: July 16, 2021
    Publication date: January 20, 2022
    Inventors: Deborah Bernert, Taylor Young, Jonathan M. Schmidt, Gregory Schultz, Jay Neidermeyer, Craig Urbansky, Viveka Vardhan Ravi, Tushar Divecha
  • Publication number: 20220005034
    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.
    Type: Application
    Filed: July 1, 2021
    Publication date: January 6, 2022
    Applicant: Synchrony Bank
    Inventors: Viveka Vardhan Ravi, Tushar Divecha, Deborah Bernert, Jon Schmidt, Ashok Uppalapati, Ajay Yadav, Craig Urbansky
  • Publication number: 20210406902
    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.
    Type: Application
    Filed: June 24, 2021
    Publication date: December 30, 2021
    Applicant: Synchrony Bank
    Inventors: Deborah Bernert, Taylor Young, Jonathan M. Schmidt, Craig Urbansky, Viveka Vardhan Ravi
  • Publication number: 20210398113
    Abstract: Examples described herein include systems, methods, instructions, and other implementations for data security. One example includes receiving a status inquiry associated with a secure transaction, a merchant system, and a client device. The status inquiry is processed to determine that the merchant system associated with the status inquiry has been previously validated and that the status inquiry is from the merchant system. Then, in response to the determination that the merchant system has been previously validated, postback data including a tokenized client account number associated with client information is accessed and the tokenized client account number is transmitted. The tokenized client account number facilitates processing the secure transaction without the merchant system having access to the client information.
    Type: Application
    Filed: June 17, 2021
    Publication date: December 23, 2021
    Applicant: Synchrony Bank
    Inventors: Deborah Bernert, Ashok Uppalapati, Taylor Young, Jonathan Schmidt, Nicholas White, Jim Wallace, Viveka Vardhan Ravi
  • Publication number: 20210397740
    Abstract: Examples described herein include systems, methods, instructions, and other implementations for data security. One example includes receiving a checkout communication received from a merchant system, where the checkout communication does not include client information, and processing the communication to authenticate a validated checkout system. A client token is generated in response to an authentication that the checkout communication is from the validated checkout system and transmitted to allow verification of the merchant system. An account communication is then received including the client token and client information, where the client information is not received from the merchant system. A tokenized client account number is generated and used to allow the merchant system to process the secure transaction without access to the client information.
    Type: Application
    Filed: June 17, 2021
    Publication date: December 23, 2021
    Applicant: Synchrony Bank
    Inventors: Deborah Bernert, Jennifer E. Muller, Taylor Young, Jonathan M. Schmidt, Nicholas White, Viveka Vardhan Ravi