Secure modal based digital installments

US12182861B2 · kind B2 · utility

Assignee

• Synchrony Bank · US

Inventors

• Jonathan M. Schmidt · Beavercreek, US
• Viveka Vardhan Ravi · Stamford, US
• Tushar Divecha · Stamford, US
• Jennifer Muller · Stamford, US
• Taylor Young · Peoria, US
• Gregory Schultz · San Jose, US
• Seamus Sullivan · Draper, US
• Prakash Kothandapani · Miamisburg, US

Key dates

• Filing date: Jun 8, 2023
• Grant date: Dec 31, 2024
• Expiry date: Jun 8, 2043

Classification

• Technology area (CPC H): Electricity
• CPC primary: H04L63/04
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

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.