Secure Offer Checkout Using Tokenized Client Data Isolation

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Solution Overview

Problem

Existing transaction systems face integration complexity and security risks due to the need for merchant systems to handle both transaction data and promotional data, which can compromise sensitive client information and create barriers in network communications and data management.

Innovation Solution

An account security system authenticates merchant systems and facilitates secure transactions by isolating sensitive client data, allowing promotions to be handled independently, with tokenized data being used for secure transactions, thus simplifying integration and enhancing security.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If merchant systems handle both transaction data and promotional data, then promotional offerings can be integrated, but integration complexity and security risks increase

Engineering Contradiction:

Improvepromotional offering integrationVSAvoidintegration complexity

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The system separates promotional data handling from merchant systems by introducing an independent promotional data system. The account security system acts as an intermediary that receives promotional offerings from the promotional data system and presents them to client devices, eliminating the need for merchant systems to directly integrate with promotional systems.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The account security system serves as an intermediary between the promotional data system and client devices. It receives promotional offerings from the promotional data system, validates them through secure authentication, and presents them to clients through secure communication channels, thereby reducing integration complexity for merchant systems.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Adaptability or versatility

If merchant systems handle both transaction data and promotional data, then promotional offerings can be integrated, but security risks increase due to exposure of sensitive client information

Engineering Contradiction:

Improvepromotional offering integrationVSAvoidsecurity risks

Core Design Contradiction:

Adaptability or versatilityVSObject-affected harmful factors

Solution Approach 1:

The system extracts sensitive client data handling from merchant systems and concentrates it in the account security system. The account security system authenticates merchant systems and manages secure communication channels, ensuring that sensitive client information is never exposed to merchant systems or promotional data systems.

Inventive Principle:

Principle #2Taking out (Extraction)

Solution Approach 2:

The account security system acts as a security intermediary that validates all communications between merchant systems, promotional data systems, and client devices. It uses authentication tokens and secure communication protocols to prevent unauthorized access and data exposure.

Inventive Principle:

Principle #24Intermediary (Mediator)

3Ease of operation

If promotions are handled through merchant systems, then merchant control is maintained, but network communication barriers and data management issues arise

Engineering Contradiction:

Improvemerchant controlVSAvoidnetwork communication reliability

Core Design Contradiction:

Ease of operationVSReliability

Solution Approach 1:

The account security system performs multiple functions including merchant system authentication, promotional data validation, secure communication channel management, and client device verification. This multi-functional approach ensures reliable network communications while maintaining operational simplicity.

Inventive Principle:

Principle #6Universality (Multi-functionality)

4Object-affected harmful factors

If sensitive client data is kept out of merchant systems, then security is improved, but integration complexity increases

Engineering Contradiction:

ImprovesecurityVSAvoidsystem integration complexity

Core Design Contradiction:

Object-affected harmful factorsVSDevice complexity

Solution Approach 1:

The account security system serves as a centralized intermediary that manages all interactions requiring sensitive client data. It authenticates merchant systems, validates promotional offerings, and facilitates secure transactions without requiring merchant systems to directly handle sensitive data, thereby maintaining security while simplifying integration.

Inventive Principle:

Principle #24Intermediary (Mediator)

Data Source

PatentUS20260057380A1Data security for transactions with secure offer system

Publication Date: 2026.02.26 SYNCHRONY BANK

AI summary

Examples described herein include systems, methods, instructions, and other implementations for data security with integrated promotion systems. In one example, account security system receives a checkout communication that includes data describing a validated checkout system of a merchant system, where the checkout communication does not include a purchase promotion option. 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. A plurality of promotion options associated with the secure transaction is transmitted in response to the account communication, and a promotion selection for the secure transaction is received from the client device and not from the merchant system.