# US 12,182,861 B2 · Secure modal based digital installments > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,182,861 B2 - Document ID: US12182861B2 - Status: Granted - Kind: B2 - Application number: 18/331,220 - Filed: 2023-06-08 - Published: 2023-12-07 - Granted: 2024-12-31 - Earliest claimed: 2020-07-30 - Assignees: Synchrony Bank - Applicants: Synchrony Bank - Inventors: Jonathan M. Schmidt; Viveka Vardhan Ravi; Tushar Divecha; Jennifer E. Muller; Taylor Young; Gregory Schultz; Seamus Sullivan; Prakash Kothandapani - Web page: https://patentgrep.com/patent/US12182861B2 ## CPC - G06Q 40/03: Credit; Loans; Processing thereof - G06F 21/6245: {Protecting personal data, e.g. for financial or medical purposes} - G06Q 20/385: {using an alias or single-use codes} - G06Q 20/4016: {involving fraud or risk level assessment in transaction processing} - G06Q 20/4097: {using mutual authentication between devices and transaction partners} - H04L 63/0807: {using tickets, e.g. Kerberos (cryptographic mechanisms or cryptographic arrangements for entity authentication using tickets or tokens H04L9/3213)} - H04L 63/10: {for controlling access to devices or network resources} - H04L 63/04: {for providing a confidential data exchange among entities communicating through data packet networks} - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) ## 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. ## Claims ### Claim 1 A computer-implemented method, comprising: authenticating, by an account security system including one or more processors, a merchant system using data describing the merchant system; generating, by the account security system, a client token using transaction information for a secure transaction and the data describing the merchant system; transmitting, by the account security system, the client token, wherein when the client token is received at a client device, the client token is used by the client device to verify the merchant system as validated for the secure transaction; receiving, by the account security system, an account communication associated with the secure transaction, the account communication including the client token and client information, wherein the client information is not received from the merchant system; processing the transaction information and the client information using a dynamic decision algorithm to identify a plurality of installment offers for the secure transaction, wherein the plurality of installment offers are determined based on the transaction information; receiving an installment payment communication associated with the secure transaction wherein the installment payment communication is not received from the merchant system; tracking payments for the secure transaction and subsequent transactions associated with the secure transaction as new historical data; and updating the dynamic decision algorithm using the new historical data. ### Claim 2 (depends on 1) The computer-implemented method of claim 1, wherein the dynamic decision algorithm is trained using inferred customer retention data from historical transactions; and wherein updating the dynamic decision algorithm comprises generating new updated inferred customer retention data by tracking payments for the secure transaction and subsequent transactions. ### Claim 3 (depends on 1) The computer-implemented method of claim 1, further comprising: receiving a status inquiry associated with the secure transaction, wherein the status inquiry is received following receipt of the installment payment communication; determining that the status inquiry is associated with the merchant system; accessing postback data including a tokenized client account number based on determining that the status inquiry is associated with the merchant system; and facilitating access to status data using the tokenized client account number. ### Claim 4 (depends on 1) The computer-implemented method of claim 1, further comprising: establishing a secure channel associated with the client device; wherein the secure channel facilitates communication via a modal on the client device generated as part of the secure channel; and wherein the account communication is received via the modal. ### Claim 5 (depends on 1) The computer-implemented method of claim 1, further comprising: establishing a secure channel associated with the client device, wherein the secure channel facilitates communication via a modal on the client device generated as part of the secure channel; receiving a status inquiry associated with the secure transaction via the modal; and transmitting status data associated with the secure transaction using the modal. ### Claim 6 (depends on 1) The computer-implemented method of claim 1 further comprising transmitting a set of payment options including at least a first installment option; wherein the installment payment communication indicates a selection of the first installment option for the secure transaction; and wherein the set of payment options is generated using a set of transaction history data including installment data for a plurality of secure transactions, fraud data for the plurality of secure transactions, and return data for the plurality of secure transactions. ### Claim 7 (depends on 1) The computer-implemented method of claim 1 further comprising accessing a set of payment options including at least a first installment option; facilitating display of the set of payment options using a secure modal established with the client device via a secure channel; and receiving a selection communication identifying the first installment option via the secure channel. ### Claim 8 An account security system comprising: memory; and one or more processors coupled to the memory and configured to perform operations including: authenticating, by the account security system, a merchant system using data describing the merchant system; generating, by the account security system, a client token using transaction information for a secure transaction and the data describing the merchant system; transmitting, by the account security system, the client token, wherein when the client token is received at a client device, the client token is used by the client device to verify the merchant system as validated for the secure transaction; receiving, by the account security system, an account communication associated with the secure transaction, the account communication including the client token and client information, wherein the client information is not received from the merchant system; processing the transaction information and the client information using a dynamic decision algorithm to identify a plurality of installment offers for the secure transaction, wherein the plurality of installment offers are determined based on the transaction information; receiving an installment payment communication associated with the secure transaction wherein the installment payment communication is not received from the merchant system; tracking payments for the secure transaction and subsequent transactions associated with the secure transaction as new historical data; and updating the dynamic decision algorithm using the new historical data. ### Claim 9 (depends on 8) The account security system of claim 8, wherein the dynamic decision algorithm is trained using inferred customer retention data from historical transactions; and wherein updating the dynamic decision algorithm comprises generating new updated inferred customer retention data by tracking payments for the secure transaction and subsequent transactions. ### Claim 10 (depends on 8) The account security system of claim 8, wherein the one or more processors are configured for operations further comprising: receiving a status inquiry associated with the secure transaction, wherein the status inquiry is received following receipt of the installment payment communication; determining that the status inquiry is associated with the merchant system; accessing postback data including a tokenized client account number based on determining that the status inquiry is associated with the merchant system; and facilitating access to status data using the tokenized client account number. ### Claim 11 (depends on 8) The account security system of claim 8, wherein the one or more processors are configured for operations further comprising: establishing a secure channel associated with the client device; wherein the secure channel facilitates communication via a modal on the client device generated as part of the secure channel; and wherein the account communication is received via the modal. ### Claim 12 (depends on 8) The account security system of claim 8, wherein the one or more processors are configured for operations further comprising: establishing a secure channel associated with the client device, wherein the secure channel facilitates communication via a modal on the client device generated as part of the secure channel; receiving a status inquiry associated with the secure transaction via the modal; and transmitting status data associated with the secure transaction using the modal. ### Claim 13 (depends on 8) The account security system of claim 8, wherein the one or more processors are configured for operations further comprising: transmitting a set of payment options including at least a first installment option; wherein the installment payment communication indicates a selection of the first installment option for the secure transaction; and wherein the set of payment options is generated using a set of transaction history data including installment data for a plurality of secure transactions, fraud data for the plurality of secure transactions, and return data for the plurality of secure transactions. ### Claim 14 (depends on 8) The account security system of claim 8, wherein the one or more processors are configured for operations further comprising: accessing a set of payment options including at least a first installment option; facilitating display of the set of payment options using a secure modal established with the client device via a secure channel; and receiving a selection communication identifying the first installment option via the secure channel. ### Claim 15 A non-transitory computer-readable storage medium comprising instructions that, when executed by one or more processors of an account security system cause the account security system to perform operations including: authenticating, by the account security system, a merchant system using data describing the merchant system; generating, by the account security system, a client token using transaction information for a secure transaction and the data describing the merchant system; transmitting, by the account security system, the client token, wherein when the client token is received at a client device, the client token is used by the client device to verify the merchant system as validated for the secure transaction; receiving, by the account security system, an account communication associated with the secure transaction, the account communication including the client token and client information, wherein the client information is not received from the merchant system; processing the transaction information and the client information using a dynamic decision algorithm to identify a plurality of installment offers for the secure transaction, wherein the plurality of installment offers are determined based on the transaction information; receiving an installment payment communication associated with the secure transaction wherein the installment payment communication is not received from the merchant system; tracking payments for the secure transaction and subsequent transactions associated with the secure transaction as new historical data; and updating the dynamic decision algorithm using the new historical data. ### Claim 16 (depends on 15) The non-transitory computer-readable storage medium of claim 15, wherein the dynamic decision algorithm is trained using inferred customer retention data from historical transactions; and wherein updating the dynamic decision algorithm comprises generating new updated inferred customer retention data by tracking payments for the secure transaction and subsequent transactions. ### Claim 17 (depends on 15) The non-transitory computer-readable storage medium of claim 15, wherein the instructions configure the account security system for operations further comprising: receiving a status inquiry associated with the secure transaction, wherein the status inquiry is received following receipt of the installment payment communication; determining that the status inquiry is associated with the merchant system; accessing postback data including a tokenized client account number based on determining that the status inquiry is associated with the merchant system; and facilitating access to status data using the tokenized client account number. ### Claim 18 (depends on 15) The non-transitory computer-readable storage medium of claim 15, wherein the instructions configure the account security system for operations further comprising: establishing a secure channel associated with the client device; wherein the secure channel facilitates communication via a modal on the client device generated as part of the secure channel; and wherein the account communication is received via the modal. ### Claim 19 (depends on 15) The non-transitory computer-readable storage medium of claim 15, wherein the instructions configure the account security system for operations further comprising: establishing a secure channel associated with the client device, wherein the secure channel facilitates communication via a modal on the client device generated as part of the secure channel; receiving a status inquiry associated with the secure transaction via the modal; and transmitting status data associated with the secure transaction using the modal. ### Claim 20 (depends on 15) The non-transitory computer-readable storage medium of claim 15, wherein the instructions configure the account security system for operations further comprising: transmitting a set of payment options including at least a first installment option; wherein the installment payment communication indicates a selection of the first installment option for the secure transaction; and wherein the set of payment options is generated using a set of transaction history data including installment data for a plurality of secure transactions, fraud data for the plurality of secure transactions, and return data for the plurality of secure transactions. ### Claim 21 (depends on 15) The non-transitory computer-readable storage medium of claim 15, wherein the instructions configure the account security system for operations further comprising: accessing a set of payment options including at least a first installment option; facilitating display of the set of payment options using a secure modal established with the client device via a secure channel; and receiving a selection communication identifying the first installment option via the secure channel.