The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
May. 19, 2026
Filed:
Feb. 05, 2025
Synchrony Bank, Stamford, CT (US);
David Chau, Stamford, CT (US);
Julia Shen, Stamford, CT (US);
Xuhui Li, Stamford, CT (US);
Syed Kamran, Stamford, CT (US);
Nayan Sharma, Stamford, CT (US);
Richard Carrasco, Stamford, CT (US);
Satish Kumar Reddy Baradi, Stamford, CT (US);
Manoj Chavali, Stamford, CT (US);
Surendranag Mandalaneni, Stamford, CT (US);
William Kievit, Stamford, CT (US);
Jake Miller, Stamford, CT (US);
Joseph Gauthier, Stamford, CT (US);
Natalie Bayer, Stamford, CT (US);
Florin Arghirescu, Stamford, CT (US);
Seamus Sullivan, Stamford, CT (US);
Sarath Vadakapurapu, Stamford, CT (US);
Synchrony Bank, Stamford, CT (US);
Abstract
Systems and methods are described for analyzing user data, for instance for eligibility of a user for one or more programs. The user data is analyzed in two or more stages, with each stage including rules and/or program qualification criteria specific to that stage. In some examples, the systems and methods used trained machine learning models for at least one stage of the analysis. The systems and methods disclose identifying one or more programs that the user is eligible for, and in some cases, applying the one or more programs to the user's account.