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: 11966944Abstract: 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: GrantFiled: April 24, 2023Date of Patent: April 23, 2024Assignee: SYNCHRONY BANKInventors: Rinki Garg, James Wallace, Jonathan Schmidt, Taylor Young, Prakash Kothandapani, Rajasekhara Palanki, Deborah Bernert, Jennifer Muller
-
Publication number: 20240086916Abstract: 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: ApplicationFiled: September 19, 2023Publication date: March 14, 2024Applicant: Synchrony BankInventors: Viveka Vardhan Ravi, Tushar Divecha, Deborah Bernert, Jonathan M. Schmidt, Ashok Uppalapati, Ajay Yadav, Craig Urbansky
-
Patent number: 11880834Abstract: 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: GrantFiled: July 16, 2021Date of Patent: January 23, 2024Assignee: SYNCHRONY BANKInventors: Deborah Bernert, Taylor Young, Jonathan M. Schmidt, Gregory Schultz, Jay Neidermeyer, Craig Urbansky, Viveka Vardhan Ravi, Tushar Divecha
-
Publication number: 20230342809Abstract: 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: ApplicationFiled: April 24, 2023Publication date: October 26, 2023Applicant: Synchrony BankInventors: Rinki Garg, James Wallace, Jonathan Schmidt, Taylor Young, Prakash Kothandapani, Rajasekhara Palanki, Deborah Bernert, Jennifer Muller
-
Patent number: 11797991Abstract: 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: GrantFiled: July 1, 2021Date of Patent: October 24, 2023Assignee: SYNCHRONY BANKInventors: Viveka Vardhan Ravi, Tushar Divecha, Deborah Bernert, Jonathan M. Schmidt, Ashok Uppalapati, Ajay Yadav, Craig Urbansky
-
Patent number: 11676170Abstract: 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: GrantFiled: June 22, 2021Date of Patent: June 13, 2023Assignee: SYNCHRONY BANKInventors: Rinki Garg, James Wallace, Jonathan Schmidt, Taylor Young, Prakash Kothandapani, Rajasekhara Palanki, Deborah Bernert, Jennifer Muller
-
Publication number: 20220044275Abstract: 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: ApplicationFiled: June 22, 2021Publication date: February 10, 2022Applicant: Synchrony BankInventors: Rinki Garg, James Wallace, Jonathan Schmidt, Taylor Young, Prakash Kothandapani, Rajasekhara Palanki, Deborah Bernert, Jennifer Muller
-
Publication number: 20220020007Abstract: 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: ApplicationFiled: July 16, 2021Publication date: January 20, 2022Inventors: Deborah Bernert, Taylor Young, Jonathan M. Schmidt, Gregory Schultz, Jay Neidermeyer, Craig Urbansky, Viveka Vardhan Ravi, Tushar Divecha
-
Publication number: 20220005034Abstract: 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: ApplicationFiled: July 1, 2021Publication date: January 6, 2022Applicant: Synchrony BankInventors: Viveka Vardhan Ravi, Tushar Divecha, Deborah Bernert, Jon Schmidt, Ashok Uppalapati, Ajay Yadav, Craig Urbansky
-
Publication number: 20210406902Abstract: 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: ApplicationFiled: June 24, 2021Publication date: December 30, 2021Applicant: Synchrony BankInventors: Deborah Bernert, Taylor Young, Jonathan M. Schmidt, Craig Urbansky, Viveka Vardhan Ravi
-
Publication number: 20210398113Abstract: 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: ApplicationFiled: June 17, 2021Publication date: December 23, 2021Applicant: Synchrony BankInventors: Deborah Bernert, Ashok Uppalapati, Taylor Young, Jonathan Schmidt, Nicholas White, Jim Wallace, Viveka Vardhan Ravi
-
Publication number: 20210397740Abstract: 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: ApplicationFiled: June 17, 2021Publication date: December 23, 2021Applicant: Synchrony BankInventors: Deborah Bernert, Jennifer E. Muller, Taylor Young, Jonathan M. Schmidt, Nicholas White, Viveka Vardhan Ravi