Patents by Inventor Jonathan M. Schmidt

Jonathan M. Schmidt 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: 11956251
    Abstract: An internet service provider (ISP) is configured to analyze data sent by a user to determine a subscriber account associated with the data and a user associated with the data. A database is then queried to determine the number of users of the subscriber account, with a number above a threshold indicating a likely theft of service. This automatic process is accompanied by automated messaging to the user with information as to the measures taken and remedial options. The messaging may be different dependent on whether the user is deemed to be an authorized user having subscriber account administration rights.
    Type: Grant
    Filed: January 24, 2023
    Date of Patent: April 9, 2024
    Assignee: PERFTECH, INC.
    Inventors: Jonathan E. Schmidt, John A. Murphy, Henry M. Donzis, Lewis T. Donzis, Peter W. Baron, Rodney D. Frey
  • 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: 20230394571
    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.
    Type: Application
    Filed: June 8, 2023
    Publication date: December 7, 2023
    Inventors: Jonathan M. Schmidt, Viveka Vardhan Ravi, Tushar Divecha, Jennifer E. Muller, Taylor Young, Gregory Schultz, Seamus Sullivan, Prakash Kothandapani
  • 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: 11715155
    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.
    Type: Grant
    Filed: July 30, 2021
    Date of Patent: August 1, 2023
    Assignee: SYNCHRONY BANK
    Inventors: Jonathan M. Schmidt, Viveka Vardhan Ravi, Tushar Divecha, Jennifer E. Muller, Taylor Young, Gregory Schultz, Seamus Sullivan, Prakash Kothandapani
  • Publication number: 20220036452
    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.
    Type: Application
    Filed: July 30, 2021
    Publication date: February 3, 2022
    Inventors: Jonathan M. Schmidt, Viveka Vardhan Ravi, Tushar Divecha, Jennifer E. Muller, Taylor Young, Gregory Schultz, Seamus Sullivan, Prakash Kothandapani
  • 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: 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: 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
  • Patent number: 6219622
    Abstract: The present invention related to computational methods for designing chemical structures sharing common, useful, functional properties based on specific combinations of steric configuration and binding affinity. More particularly the present invention provides a method for producing computer-simulated receptors which functionally mimic biological receptors. The simulated receptors are designed to exhibit optimized selective affinity for known target molecules. Chemical structures are then generated and evolved to exhibit selective affinity for the simulated receptors.
    Type: Grant
    Filed: December 16, 1997
    Date of Patent: April 17, 2001
    Assignee: University of Guelph
    Inventor: Jonathan M. Schmidt
  • Patent number: 5699268
    Abstract: The present invention relates to computational methods for designing chemical structures sharing common useful, functional properties based on specific combinations of steric configuration and binding affinity. More particularly the present invention provides a method for producing computer-simulated receptors which functionally mimic biological receptors. The simulated receptors are designed to exhibit optimized selective affinity for known target molecules. Chemical structures are then generated and evolved to exhibit selective affinity for the simulated receptors.
    Type: Grant
    Filed: June 7, 1995
    Date of Patent: December 16, 1997
    Assignee: University of Guelph
    Inventor: Jonathan M. Schmidt