Patents by Inventor Viveka Vardhan Ravi

Viveka Vardhan Ravi 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: 12346909
    Abstract: Systems, methods, devices, instructions, and other aspects are provided for unique device identification. In one aspect, a method is providing including receiving, at a server computer, transaction data associated with a client device, wherein the transaction data includes device configuration data, aggregating the device configuration data for the client device received within a threshold time period to generate a unique set of device configuration characteristics, receiving, at the server computer, transaction request data associated with the client device, verifying the client device using the unique set of device configuration characteristics, and facilitating a transaction associated with the transaction request data based on verification of the client device using the unique set of device configuration characteristics.
    Type: Grant
    Filed: July 27, 2022
    Date of Patent: July 1, 2025
    Assignee: Synchrony Bank
    Inventors: Joydeep Mukherjee, Karen Yagnesak, Viveka Vardhan Ravi, Sarath Vadakapurapu, Ravish Kumar, Vish Dadireddy
  • 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
  • Publication number: 20250045752
    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: August 8, 2024
    Publication date: February 6, 2025
    Applicant: Synchrony Bank
    Inventors: Viveka Vardhan Ravi, Tushar Divecha, Deborah Bernert, Jonathan M. Schmidt, Ashok Uppalapati, Ajay Yadav, Craig Urbansky
  • 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: 20240420137
    Abstract: Examples describe data security and routines structured to avoid conflicts. One example includes accessing data for a merchant website including a framework with a first routine for a function, and accessing an account security element for the merchant website with a second routine associated with an account security system for the function. The second routine is optimized to avoid conflicts with the first routine. The framework is automatically updated while the second routine is maintained with no changes. The merchant website data is then transmitted with the updated first routine and the account security element with the second routine, where the updated first routine and the second routine facilitate data security on the client device without framework conflicts when the updated first routine for the function and the second routine for the function operate concurrently on the client device.
    Type: Application
    Filed: June 29, 2024
    Publication date: December 19, 2024
    Inventors: Viveka Vardhan Ravi, Anil Kumar Mothea
  • Patent number: 12136091
    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: September 19, 2023
    Date of Patent: November 5, 2024
    Assignee: SYNCHRONY BANK
    Inventors: Viveka Vardhan Ravi, Tushar Divecha, Deborah Bernert, Jonathan M. Schmidt, Ashok Uppalapati, Ajay Yadav, Craig Urbansky
  • Publication number: 20240354133
    Abstract: Systems and method are provided that include process that customize the presentation of webpages according to alternative acquisition protocols. The processes include receiving, from a first server, a webpage identifying an object for acquisition by a user using a first acquisition protocol. The processes then execute a call to a second server that includes an identification of a user interacting with the webpage and a request for an identification of one or more alternative acquisition protocols based on the identification of the user. In response, the processes receive JavaScript code that executes to provide information associated with the one or more alternative acquisition protocols. The processes then generating a modified webpage that includes a modification to a portion of the webpage based on at least one of the one or more alternative acquisition protocols. The modified webpage may be displayed to a user.
    Type: Application
    Filed: May 14, 2024
    Publication date: October 24, 2024
    Inventors: Joydeep Mukherjee, Karen Yagnesak, Viveka Vardhan Ravi, Sarath Vadakapurapu, Ravish Kumar, Vish Dadireddy
  • Patent number: 12056700
    Abstract: Examples describe data security and routines structured to avoid conflicts. One example includes accessing data for a merchant website including a framework with a first routine for a function, and accessing an account security element for the merchant website with a second routine associated with an account security system for the function. The second routine is optimized to avoid conflicts with the first routine. The framework is automatically updated while the second routine is maintained with no changes. The merchant website data is then transmitted with the updated first routine and the account security element with the second routine, where the updated first routine and the second routine facilitate data security on the client device without framework conflicts when the updated first routine for the function and the second routine for the function operate concurrently on the client device.
    Type: Grant
    Filed: March 3, 2023
    Date of Patent: August 6, 2024
    Assignee: Synchrony Bank
    Inventors: Viveka Vardhan Ravi, Anil Kumar Mothea
  • Patent number: 12026534
    Abstract: A computing device may customize the presentation of webpages according to alternative acquisition protocols. The computing device may receive a webpage identifying an object for acquisition by a user using a first acquisition protocol. The computing device may then execute a call to a server that includes an identification of a user interacting with the webpage and a request for an identification of one or more alternative acquisition protocols based on the identification of the user. In response, the computing device may receive JavaScript code configured to provide information associated with the one or more alternative acquisition protocols. The computing device may generate a modified webpage that includes a modification to a portion of the webpage based on at least one of the one or more alternative acquisition protocols. The modified webpage may be displayed to a user.
    Type: Grant
    Filed: July 27, 2022
    Date of Patent: July 2, 2024
    Assignee: Synchrony Bank
    Inventors: Joydeep Mukherjee, Karen Yagnesak, Viveka Vardhan Ravi, Sarath Vadakapurapu, Ravish Kumar, Vish Dadireddy
  • 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
  • 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
  • Publication number: 20230281624
    Abstract: Examples describe data security and routines structured to avoid conflicts. One example includes accessing data for a merchant website including a framework with a first routine for a function, and accessing an account security element for the merchant website with a second routine associated with an account security system for the function. The second routine is optimized to avoid conflicts with the first routine. The framework is automatically updated while the second routine is maintained with no changes. The merchant website data is then transmitted with the updated first routine and the account security element with the second routine, where the updated first routine and the second routine facilitate data security on the client device without framework conflicts when the updated first routine for the function and the second routine for the function operate concurrently on the client device.
    Type: Application
    Filed: March 3, 2023
    Publication date: September 7, 2023
    Inventors: Viveka Vardhan Ravi, Anil Kumar Mothea
  • 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
  • Patent number: 11625719
    Abstract: Examples describe data security and routines structured to avoid conflicts. One example includes accessing data for a merchant website including a framework with a first routine for a function, and accessing an account security element for the merchant website with a second routine associated with an account security system for the function. The second routine is optimized to avoid conflicts with the first routine. The framework is automatically updated while the second routine is maintained with no changes. The merchant website data is then transmitted with the updated first routine and the account security element with the second routine, where the updated first routine and the second routine facilitate data security on the client device without framework conflicts when the updated first routine for the function and the second routine for the function operate concurrently on the client device.
    Type: Grant
    Filed: June 24, 2021
    Date of Patent: April 11, 2023
    Assignee: SYNCHRONY BANK
    Inventors: Viveka Vardhan Ravi, Anil Kumar Mothea
  • Publication number: 20230030686
    Abstract: Aspects of a dynamic offer system are described. In one example, a method involves receiving a data feed of offer data, generating a set of current offers in a database using a set of offer rules and the data feed, receiving merchant configuration data associated with a merchant portal, and dynamically selecting current merchant offers from the set of current offers in the database using the merchant configuration data. A request is received for the current merchant offers, where when the request for the current merchant offers is received from a customer device, the request includes dynamic customer data customized based on user selections, one or more offers of the current merchant offers based on the dynamic customer data are dynamically selected, and a transaction between the customer device and the merchant portal associated with the one or more offers dynamically selected by the computing device is facilitated.
    Type: Application
    Filed: July 27, 2022
    Publication date: February 2, 2023
    Inventors: Joydeep Mukherjee, Karen Yagnesak, Viveka Vardhan Ravi, Sarath Vadakapurapu, Ravish Kumar, Vish Dadireddy
  • Publication number: 20230033957
    Abstract: Systems and method are provided for providing a waterfall gateway configured to enable communication between disparate devices. The waterfall gateway receives an indication that a first resource request was denied by a server. In response, the waterfall gateway identifies two or more client devices configured to provide services to the user. The waterfall gateway generates a resource request waterfall that includes a sequence of client devices of the two or more client devices. The resource request waterfall is configured to facilitate resource request transmissions to the one or more client devices according to the sequence of client devices. The waterfall gateway facilitates a transmission of a second resource request to a first client device in the sequence of client devices.
    Type: Application
    Filed: July 27, 2022
    Publication date: February 2, 2023
    Inventors: Joydeep Mukherjee, Karen Yagnesak, Viveka Vardhan Ravi, Sarath Vadakapurapu, Ravish Kumar, Vish Dadireddy