Synchrony Bank

Seamus Sullivan

Taylor Young

Prakash Kothandapani

Jennifer E Muller

Viveka Vardhan Ravi

Timothy Christensen

Jonathan M Schmidt

Tushar Divecha

Jake Miller

Gregory Schultz

Shawn Dole

Joseph Nelly

Jared King

Kaeli Stichler

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.

Method of applying for credit at a self-checkout

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

Draper, UT, United States of America

Seamus Sullivan