Patents by Inventor Craig Urbansky
Craig Urbansky 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).
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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
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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
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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
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Publication number: 20230091689Abstract: Computer-implemented methods are provided for receiving information corresponding to a transaction, where the information is received one time. Two or more functions associated with the information can be determined, and two or more functions can be concurrently and automatically executed without additional interaction.Type: ApplicationFiled: August 15, 2022Publication date: March 23, 2023Inventors: David Fasoli, Clarinda Gurr, Erin Gadhavi, Annabel Larsen, Kendra Larsen, Craig Urbansky, Sally Yijing Yang, Bete Johnson
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Patent number: 11449872Abstract: Computer-implemented methods are provided for receiving information corresponding to a transaction, where the information is received one time. Two or more functions associated with the information can be determined, and two or more functions can be concurrently and automatically executed without additional interaction.Type: GrantFiled: November 14, 2019Date of Patent: September 20, 2022Assignee: SYNCHRONY BANKInventors: David Fasoli, Clarinda Gurr, Erin Gadhavi, Annabel Larsen, Kendra Larsen, Craig Urbansky, Sally Yijing Yang, Bete Johnson
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Publication number: 20220292609Abstract: Computer-implemented methods are provided for receiving information corresponding to a transaction, wherein the information is received via a single processing of an instrument. A balance for the transaction is automatically determined based on a coverage plan associated with the information from the instrument and services associated with the transaction. Upon detecting selection of an account for the balance, an amount from the account is allocated for the balance and is provided to complete the transaction.Type: ApplicationFiled: March 30, 2022Publication date: September 15, 2022Applicant: Synchrony BankInventors: David Fasoli, Clarinda Gurr, Erin Gadhavi, Annabel Larsen, Kendra Larsen, Craig Urbansky, Sally Yijing Yang, Bete Johnson
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Patent number: 11328364Abstract: Computer-implemented methods are provided for receiving information corresponding to a transaction, wherein the information is received via a single processing of an instrument. A balance for the transaction is automatically determined based on a coverage plan associated with the information from the instrument and services associated with the transaction. Upon detecting selection of an account for the balance, an amount from the account is allocated for the balance and is provided to complete the transaction.Type: GrantFiled: October 28, 2020Date of Patent: May 10, 2022
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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
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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
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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
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Publication number: 20210125287Abstract: Computer-implemented methods are provided for receiving information corresponding to a transaction, wherein the information is received via a single processing of an instrument. A balance for the transaction is automatically determined based on a coverage plan associated with the information from the instrument and services associated with the transaction. Upon detecting selection of an account for the balance, an amount from the account is allocated for the balance and is provided to complete the transaction.Type: ApplicationFiled: October 28, 2020Publication date: April 29, 2021
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Publication number: 20210065132Abstract: The present disclosure relates generally to payment methods. In one example, the systems and methods described herein may integrate three separate infrastructures to provide payment for medical services: the employer's benefits and compensation platform, the health savings account provider's platform, and the financing platform.Type: ApplicationFiled: August 26, 2020Publication date: March 4, 2021
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Publication number: 20200327576Abstract: Examples described herein include systems, methods, instructions, and other implementations of transactional promotions. One embodiment includes receipt of an authorization request message for a transaction associated with an account number. The authorization request message includes a merchant category code and does not include promotion information. A determination is then made that the transaction is eligible for a promotion based on the merchant category code. The promotion is then automatically applied to the transaction at the account number, and an authorization response message is then generated authorizing the transaction.Type: ApplicationFiled: April 14, 2020Publication date: October 15, 2020Inventors: Theresa Kraus, Nathan Feighner, Craig Urbansky, Gretakae Northern, William Schroeder, Jay Neidermeyer, Stephen Roe, Kristine Hanson
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Publication number: 20200160337Abstract: Computer-implemented methods are provided for receiving information corresponding to a transaction, where the information is received one time. Two or more functions associated with the information can be determined, and two or more functions can be concurrently and automatically executed without additional interaction.Type: ApplicationFiled: November 14, 2019Publication date: May 21, 2020