Systems and methods for secure transaction reversal

Patent metadata

Field	Value
Publication number	US-12518276-B2
Application number	US-202418797899-A
Country	US
Kind code	B2
Filing date	Aug 8, 2024
Priority date	Jul 1, 2020
Publication date	Jan 6, 2026
Grant date	Jan 6, 2026

Abstract

Examples describe data security for communication systems. One example includes validating a merchant system using merchant data and generating a set of merchant credentials. The set of merchant credentials is then used in authentication to facilitate a secure transaction, which involves automatically generating transaction data with a tokenized client account number associated with the secure transaction. A refund request associated with the secure transaction is received with the set of merchant credentials that are used for automatically authenticating the merchant system. The example then involves accessing a database that includes the transaction data for automatically facilitating settlement of a refund payment using the authenticated merchant system and the transaction data.

First claim

What is claimed is:

1 . A computer-implemented method, comprising:
facilitating a secure transaction associated with a merchant system authenticated via a set of merchant credentials, wherein the set of merchant credentials includes a parent merchant identifier and a child merchant identifier, wherein the merchant system is authenticated using the parent merchant identifier; processing a refund request associated with the secure transaction; authorizing the refund request using the set of merchant credentials; accessing a database that includes transaction data; scheduling batch processing of the refund request for a scheduled time when spare resources are available, wherein batch processing of a transaction reversal associated with the child merchant identifier relies on authentication of the parent merchant identifier; performing the batch processing at the scheduled time when the spare resources are available; and facilitating settlement of a refund payment for the secure transaction using the merchant system and the transaction data, wherein the refund payment is facilitated using the child merchant identifier.

2 . The computer-implemented method of claim 1 , further comprising:
generating a prefill communication for a refund settlement request using the transaction data from the database in response to the refund request; and providing a status update based on the prefill communication in response to a status request.

3 . The computer-implemented method of claim 2 , wherein the status request that includes a HTTP GET communication.

4 . The computer-implemented method of claim 1 , wherein accessing the database comprises accessing a refund application programming interface (API).

5 . The computer-implemented method of claim 1 , wherein the refund request includes two or more channel identifiers.

6 . The computer-implemented method of claim 1 , wherein settlement of refund payments is performed in a repeated automatic looped process at the scheduled time selected based on resource availability.

7 . The computer-implemented method of claim 1 , further comprising aggregating the refund request with a plurality of refund requests using a batch reversal system of an account security system.

8 . The computer-implemented method of claim 1 , wherein the transaction data includes tokenized client account numbers associated with the secure transaction, the method further comprising processing the refund request using a prefill service to format a database communication for the refund request using the tokenized client account numbers.

9 . A system comprising:
a memory; and one or more processors coupled to the memory and configured to perform operations comprising: facilitating a secure transaction associated with a merchant system authenticated via a set of merchant credentials, wherein the set of merchant credentials includes a parent merchant identifier and a child merchant identifier, wherein the merchant system is authenticated using the parent merchant identifier; processing a refund request associated with the secure transaction; authorizing the refund request using the set of merchant credentials; accessing a database that includes transaction data; scheduling batch processing of the refund request for a scheduled time when spare resources are available, wherein batch processing of a transaction reversal associated with the child merchant identifier relies on authentication of the parent merchant identifier; performing the batch processing at the scheduled time when the spare resources are available; and facilitating settlement of a refund payment for the secure transaction using the merchant system and the transaction data, wherein the refund payment is facilitated using the child merchant identifier.

10 . The system of claim 9 , wherein the operations further comprise:
generating a prefill communication for a refund settlement request using the transaction data from the database in response to the refund request; and providing a status update based on the prefill communication in response to a status request.

11 . The system of claim 10 , wherein the status request that includes a HTTP GET communication.

12 . The system of claim 9 , wherein accessing the database comprises accessing a refund application programming interface (API).

13 . The system of claim 9 , wherein the refund request includes two or more channel identifiers.

14 . The system of claim 9 , wherein settlement of refund payments is performed in a repeated automatic looped process at the scheduled time selected based on resource availability.

15 . A non-transitory computer readable storage medium comprising instructions that, when executed by one or more processors, cause the one or more processors to perform operations comprising:
facilitating a secure transaction associated with a merchant system authenticated via a set of merchant credentials, wherein the set of merchant credentials includes a parent merchant identifier and a child merchant identifier, wherein the merchant system is authenticated using the parent merchant identifier; processing a refund request associated with the secure transaction; authorizing the refund request using the set of merchant credentials; accessing a database that includes transaction data; scheduling batch processing of the refund request for a scheduled time when spare resources are available, wherein batch processing of a transaction reversal associated with the child merchant identifier relies on authentication of the parent merchant identifier; performing the batch processing at the scheduled time when the spare resources are available; and facilitating settlement of a refund payment for the secure transaction using the merchant system and the transaction data, wherein the refund payment is facilitated using the child merchant identifier.

16 . The non-transitory computer readable storage medium of claim 15 , wherein when executed by the one or more processors, the instructions cause the one or more processors to perform operations comprising: aggregating the refund request with a plurality of refund requests using a batch reversal system of an account security system.

17 . The non-transitory computer readable storage medium of claim 15 , wherein the transaction data includes tokenized client account numbers associated with the secure transaction, and wherein when executed by the one or more processors, the instructions cause the one or more processors to perform operations comprising: processing the refund request using a prefill service to format a database communication for the refund request using the tokenized client account numbers.

Assignees

• Synchrony Bank

Inventors

• Ravi Viveka Vardhan
• Divecha Tushar
• Bernert Deborah
• Schmidt Jonathan M
• Uppalapati Ashok
• Yadav Ajay
• Urbansky Craig

Classifications

• G06Q20/206

  comprising security or operator identification provisions, e.g. password entry · CPC title

• G06Q20/38215

  Use of certificates or encrypted proofs of transaction rights · CPC title

• G06Q20/385

  using an alias or single-use codes · CPC title

• G06Q20/40975

  using encryption therefor · CPC title

• G06Q20/407

  Cancellation of a transaction · CPC title