Synchrony Bank

Jonathan M Schmidt

Taylor Young

Deborah Bernert

Viveka Vardhan Ravi

Tushar Divecha

Prakash Kothandapani

Jennifer E Muller

James Wallace

Craig Urbansky

Ashok Uppalapati

Rinki Garg

Rajasekhara Palanki

Gregory Schultz

Ajay Yadav

Seamus Sullivan

Jay Neidermeyer

Nicholas White

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.

Systems and methods for secure transaction reversal

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.

Data security for transactions with secure offer system

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.

Status system with data security for transactions

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.

System and method for processing of promotions in connection with digital purchasing

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.

Secure modal based digital installments

Growing community of inventors

Stamford, CT, United States of America

Jonathan M Schmidt