Patents by Inventor Jennifer E. Muller

Jennifer E. Muller 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).

  • Publication number: 20250131495
    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: November 19, 2024
    Publication date: April 24, 2025
    Inventors: Jonathan M. Schmidt, Viveka Vardhan Ravi, Tushar Divecha, Jennifer E. Muller, Taylor Young, Gregory Schultz, Seamus Sullivan, Prakash Kothandapani
  • Patent number: 12182861
    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: June 8, 2023
    Date of Patent: December 31, 2024
    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: 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: 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: 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