Synchrony Bank

Ajay Yadav

Viveka Vardhan Ravi

Jonathan M Schmidt

Deborah Bernert

Tushar Divecha

Craig Urbansky

Ashok Uppalapati

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.

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Stamford, CT, United States of America

Ajay Yadav