System and method for integrating data from a remote server with a client application

Patent metadata

Field	Value
Publication number	US-12417445-B2
Application number	US-202318312803-A
Country	US
Kind code	B2
Filing date	May 5, 2023
Priority date	Oct 19, 2015
Publication date	Sep 16, 2025
Grant date	Sep 16, 2025

Abstract

The electronic device may invoke a host application. The device may display a first host user interface on the display, the first host user interface including a first host user interface component associated with a child application. In response, the device may invoke, using the host application, the child application executed at the electronic device. The device may transmit, using the host application, a request for data associated with a child user interface component to the child application. The device may transmit, using the child application, the request for data associated with the child user interface component to a child application server, wherein the data associated with the child user interface component is inaccessible by the host application. The device may receive, using the child application, the data associated with the child user interface component from the child application server. The device may display the child user interface component.

First claim

What is claimed is:

1. A computer-implemented method, comprising:
invoking by one or more processors of an electronic device, a merchant application from a financial services application, wherein the merchant application is associated with a merchant server, and wherein the financial services application is associated with a financial services application server separate from the merchant server;
transmitting, by the one or more processors of the electronic device, a request for user data associated with a merchant offer, a purchase, and the financial services application server;
encrypting, by the one or more processors, a portion of the user data in accordance with a security model specific to the merchant application;
storing, by the one or more processors of the electronic device, the user data in a memory of the electronic device, wherein the user data is stored as secure financial information that is inaccessible to and unmodifiable by the merchant application, wherein the portion of the user data is stored in accordance with a security model of the financial services application server, and wherein the security model excludes access by the merchant application to the secure financial information;
facilitating, by the one or more processors of the electronic device, communication between the financial services application and the merchant application; and
receiving, by the one or more processors of the electronic device, an offer based on the secure financial information and purchase data for the purchase, wherein when the offer is received, the electronic device maintains the secure financial information as inaccessible and unmodifiable by the merchant application.

2. The computer-implemented method of claim 1 , further comprising:
presenting a shared user interface on a display of the electronic device, wherein the shared user interface includes a user option to change or enter additional data, and wherein control of the shared user interface is transferrable between the merchant application and the financial services application.

3. The computer-implemented method of claim 1 , further comprising:
receiving, at the electronic device, a request to execute the merchant application; and
receiving, at the electronic device and via the merchant application, user input data authorizing communications to facilitate the purchase including secure communications with the financial services application server and the merchant server.

4. The computer-implemented method of claim 1 , wherein the financial services application is encoded so that the electronic device is prevented from modifying a code of the financial services application, and wherein the secure financial information is maintained as inaccessible and unmodifiable by the electronic device by encrypting the secure financial information using the financial services application in accordance with the security model specific to the financial services application and the financial services application server.

5. The computer-implemented method of claim 1 , further comprising:
generating a device identifier for authenticating a user associated with the electronic device; and
storing the device identifier in an encrypted storage of the electronic device, wherein the financial services application is invoked using device identifier data matching the device identifier stored in the encrypted storage of the electronic device.

6. The computer-implemented method of claim 1 , wherein the offer includes a credit increase offer, wherein the secure financial information includes financial account details, and wherein the purchase data includes a purchase price.

7. The computer-implemented method of claim 1 , wherein the offer includes a discount offer, wherein the secure financial information includes an available credit amount, and wherein the discount offer corresponds to a purchase range matching the available credit amount.

8. An electronic device, comprising:
a memory; and
one or more processors coupled to the memory and configured to perform operations including:
invoking by the one or more processors of the electronic device, a merchant application from a financial services application, wherein the merchant application is associated with a merchant server, and wherein the financial services application is associated with a financial services application server separate from the merchant server;
transmitting, by the one or more processors of the electronic device, a request for user data associated with a merchant offer, a purchase, and the financial services application server;
encrypting, by the one or more processors, a portion of the user data in accordance with a security model specific to the merchant application;
storing, by the one or more processors of the electronic device and in the memory, the user data as secure financial information that is inaccessible to and unmodifiable by the merchant application, wherein the portion of the user data is stored in accordance with a security model of the financial services application server, and wherein the security model excludes access by the merchant application to the secure financial information;
facilitating, by the one or more processors of the electronic device, communication between the financial services application and the merchant application; and
receiving, by the one or more processors of the electronic device, an offer based on the secure financial information and purchase data for the purchase, wherein when the offer is received, the electronic device maintains the secure financial information as inaccessible and unmodifiable by the merchant application.

9. The electronic device of claim 8 , wherein the one or more processors are configured to perform operations further comprising:
presenting a shared user interface on a display of the electronic device, wherein the shared user interface includes a user option to change or enter additional data.

10. The electronic device of claim 8 , wherein the one or more processors are configured to perform operations further comprising:
receiving, at the electronic device, a request to execute the merchant application; and
receiving, at the electronic device via the merchant application, user input data authorizing communications to facilitate the purchase including secure communications with the financial services application server and the merchant server.

11. The electronic device of claim 8 , wherein the financial services application is encoded so that the electronic device is prevented from modifying a code of the financial services application, and wherein the secure financial information is maintained as inaccessible and unmodifiable by the electronic device by encrypting the secure financial information using the financial services application in accordance with the security model specific to the financial services application and the financial services application server.

12. The electronic device of claim 8 , wherein the one or more processors are configured to perform operations further comprising:
generating a device identifier for authenticating a user associated with the electronic device; and
storing the device identifier in an encrypted storage of the electronic device, wherein the financial services application is invoked using device identifier data matching the device identifier stored in the encrypted storage of the electronic device.

13. The electronic device of claim 8 , wherein the offer includes a credit increase offer, wherein the secure financial information includes financial account details, and wherein the purchase data includes a purchase price.

Assignees

• Synchrony Bank

Inventors

• Chen Jason
• Caraher Patrick Joseph
• Kataria Abha
• Robinson Darren Antoine
• Doijer Derk Carel
• Muller Alex
• Cook Michael
• Oldham James
• Murphy Daniel
• Schaufler Amanda
• Christensen Timothy
• De Los Santos Amable

Classifications

• G06Q40/03

  Credit; Loans; Processing thereof · CPC title

• G06Q20/2295

  Parent-child type, e.g. where parent has control on child rights · CPC title

• G06F2209/541

  Client-server · CPC title

• G06F9/451

  Execution arrangements for user interfaces · CPC title

• G06Q20/322

  Aspects of commerce using mobile devices [M-devices] · CPC title