Patents by Inventor Taylor Young

Taylor Young 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: 20260057380
    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: September 16, 2025
    Publication date: February 26, 2026
    Inventors: Deborah Bernert, Taylor Young, Jonathan M. Schmidt, Gregory Schultz, Jay Neidermeyer, Craig Urbansky, Viveka Vardhan Ravi, Tushar Divecha
  • Publication number: 20260017632
    Abstract: A method performed by at least one computing device. The method includes receiving a credit request from a self-checkout device before a customer completes an instore checkout process and sending a request for a Uniform Resource Locator (“URL”) to one or more authentication computing devices. The authentication computing device(s) send the URL to the mobile device. The method includes sending a credit application to the mobile device after the customer selects the URL, receiving a submission of the credit application from the mobile device, approving credit based on the submission, and forwarding a code to the mobile device. The code indicates that the credit is to be used to complete the instore checkout process when scanned by the scanner.
    Type: Application
    Filed: December 20, 2024
    Publication date: January 15, 2026
    Inventors: Jake Miller, Joseph Nelly, Jared King, Kaeli Stichler, Shawn Dole, Timothy Christensen, Jennifer Muller, Taylor Young, Seamus Sullivan, Prakash Kothandapani
  • Patent number: 12443949
    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: December 8, 2023
    Date of Patent: October 14, 2025
    Assignee: Synchrony Bank
    Inventors: Deborah Bernert, Taylor Young, Jonathan M. Schmidt, Gregory Schultz, Jay Neidermeyer, Craig Urbansky, Viveka Vardhan Ravi, Tushar Divecha
  • Patent number: 12443948
    Abstract: Systems, devices, methods, instructions, and other implementations are described for network data management. One embodiment involves request data received at a device associated with a digital lockbox, where the request data includes identifying information for an originating device associated with a location and is associated with a user device. A unique token is generated with the identifying information. The unique token can be used to tokenize a network link to create a secure one-time link. The system transmits the one-time link, which can then be used to facilitate secure communications between a computing system associated with the originating device and the user device.
    Type: Grant
    Filed: April 5, 2024
    Date of Patent: October 14, 2025
    Assignee: Synchrony Bank
    Inventors: Taylor Young, Chris Otten
  • Publication number: 20250272675
    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: March 24, 2025
    Publication date: August 28, 2025
    Inventors: Deborah Bernert, Ashok Uppalapati, Taylor Young, Jonathan Schmidt, Nicholas White, James J. Wallace, Viveka Vardhan Ravi
  • Patent number: 12352553
    Abstract: A remote firing system for remotely detonating an explosive charge includes a smart controller that utilizes a unique encryption key to generate encrypted command and control messages. The messages include a detonation precondition that must occur before detonation. A bridge transceiver communicates with the smart controller and receives the encrypted messages generated from the smart controller. The bridge transceiver transmits RF signals containing the encrypted messages. At least one remote communicator is in communication with the bridge transceiver and configured to be connected to the explosive charge. The remote communicator receives the RF signals transmitted by the bridge transceiver, processes these received RF signals to obtain the encrypted messages and decrypts the encrypted messages with the encryption key to extract the detonation precondition. The remote communicator generates a trigger signal that causes detonation of the explosive charge upon fulfillment of the detonation precondition.
    Type: Grant
    Filed: May 30, 2023
    Date of Patent: July 8, 2025
    Assignee: The United States of America as represented by the Secretary of the Navy
    Inventors: Kevin L. Phelps, Brian Amato, Daniel Pines, Taylor Young
  • Publication number: 20250148498
    Abstract: Methods may include initiating, by a client device, a checkout operation including a default transaction amount associated with a plurality of items and a plurality of promotions. A device may receive data associated with multiple display promotions, where the data includes a single default promotional code associated with the default transaction amount, the plurality of items, and the plurality of promotions. A device may display an error message for at least one display promotion of the multiple display promotions. A device may decline the checkout operation, wherein a server call reduces processing time used to validate error messages during the checkout operation, and where the single default promotional code prevents or reverses payment associated with the error message.
    Type: Application
    Filed: January 10, 2025
    Publication date: May 8, 2025
    Applicant: Synchrony Bank
    Inventors: Rinki Garg, James Wallace, Jonathan Schmidt, Taylor Young, Prakash Kothandapani, Rajasekhara Palanki, Deborah Bernert, Jennifer Muller
  • Patent number: 12293355
    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: Grant
    Filed: June 17, 2021
    Date of Patent: May 6, 2025
    Assignee: Synchrony Bank
    Inventors: Deborah Bernert, Ashok Uppalapati, Taylor Young, Jonathan Schmidt, Nicholas White, James J. Wallace, Viveka Vardhan Ravi
  • 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: 12229797
    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: March 19, 2024
    Date of Patent: February 18, 2025
    Assignee: Synchrony Bank
    Inventors: Rinki Garg, James Wallace, Jonathan Schmidt, Taylor Young, Prakash Kothandapani, Rajasekhara Palanki, Deborah Bernert, Jennifer Muller
  • Patent number: 12211025
    Abstract: A method performed by at least one computing device. The method includes receiving a credit request from a self-checkout device before a customer completes an instore checkout process and sending a request for a Uniform Resource Locator (“URL”) to one or more authentication computing devices. The authentication computing device(s) send the URL to the mobile device. The method includes sending a credit application to the mobile device after the customer selects the URL, receiving a submission of the credit application from the mobile device, approving credit based on the submission, and forwarding a code to the mobile device. The code indicates that the credit is to be used to complete the instore checkout process when scanned by the scanner.
    Type: Grant
    Filed: March 13, 2023
    Date of Patent: January 28, 2025
    Assignee: Synchrony Bank
    Inventors: Jake Miller, Joseph Nelly, Jared King, Kaeli Stichler, Shawn Dole, Timothy Christensen, Jennifer Muller, Taylor Young, 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: 20240394694
    Abstract: Systems, devices, methods, instructions, and other implementations are described for network data management. One embodiment involves request data received at a device associated with a digital lockbox, where the request data includes identifying information for an originating device associated with a location and is associated with a user device. A unique token is generated with the identifying information. The unique token can be used to tokenize a network link to create a secure one-time link. The system transmits the one-time link, which can then be used to facilitate secure communications between a computing system associated with the originating device and the user device.
    Type: Application
    Filed: April 5, 2024
    Publication date: November 28, 2024
    Applicant: Synchrony Bank
    Inventors: Taylor Young, Chris Otten
  • Publication number: 20240362671
    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: March 19, 2024
    Publication date: October 31, 2024
    Applicant: Synchrony Bank
    Inventors: Rinki Garg, James Wallace, Jonathan Schmidt, Taylor Young, Prakash Kothandapani, Rajasekhara Palanki, Deborah Bernert, Jennifer Muller
  • Publication number: 20240202717
    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: December 8, 2023
    Publication date: June 20, 2024
    Inventors: Deborah Bernert, Taylor Young, Jonathan M. Schmidt, Gregory Schultz, Jay Neidermeyer, Craig Urbansky, Viveka Vardhan Ravi, Tushar Divecha
  • Patent number: 11978047
    Abstract: Systems, devices, methods, instructions, and other implementations are described for network data management. One embodiment involves request data received at a device associated with a digital lockbox, where the request data includes identifying information for an originating device associated with a location and is associated with a user device. A unique token is generated with the identifying information. The unique token can be used to tokenize a network link to create a secure one-time link. The system transmits the one-time link, which can then be used to facilitate secure communications between a computing system associated with the originating device and the user device.
    Type: Grant
    Filed: February 9, 2023
    Date of Patent: May 7, 2024
    Assignee: SYNCHRONY BANK
    Inventors: Taylor Young, Chris Otten
  • 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
  • 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
  • Publication number: 20230351357
    Abstract: A method performed by at least one computing device. The method includes receiving a credit request from a self-checkout device before a customer completes an instore checkout process and sending a request for a Uniform Resource Locator (“URL”) to one or more authentication computing devices. The authentication computing device(s) send the URL to the mobile device. The method includes sending a credit application to the mobile device after the customer selects the URL, receiving a submission of the credit application from the mobile device, approving credit based on the submission, and forwarding a code to the mobile device. The code indicates that the credit is to be used to complete the instore checkout process when scanned by the scanner.
    Type: Application
    Filed: March 13, 2023
    Publication date: November 2, 2023
    Inventors: Jake Miller, Joseph Nelly, Jared King, Kaeli Stichler, Shawn Dole, Timothy Christensen, Jennifer Muller, Taylor Young, Seamus Sullivan, Prakash Kothandapani