IP Library › Granted Patent US 12,443,423
Granted Patent B2
US 12,443,423 · App. 18/663,159 · Granted Oct 14, 2025

Methods and system for providing customized acquisition protocols

Inventors: Joydeep Mukherjee (Stamford, CT); Karen Yagnesak (Stamford, CT); Viveka Vardhan Ravi (Stamford, CT); Sarath Vadakapurapu (Stamford, CT); Ravish Kumar (Stamford, CT); Vish Dadireddy (Stamford, CT)
Assignee: Synchrony Bank
G06F9/45529G06F16/951G06F16/958
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Quick Facts
Patent No.
US 12,443,423
App. No.
18/663,159
Granted
Oct 14, 2025
Kind
B2
Abstract

Systems and method are provided that include process that customize the presentation of webpages according to alternative acquisition protocols. The processes include receiving, from a first server, a webpage identifying an object for acquisition by a user using a first acquisition protocol. The processes then execute a call to a second server that includes an identification of a user interacting with the webpage and a request for an identification of one or more alternative acquisition protocols based on the identification of the user. In response, the processes receive JavaScript code that executes to provide information associated with the one or more alternative acquisition protocols. The processes then generating a modified webpage that includes a modification to a portion of the webpage based on at least one of the one or more alternative acquisition protocols. The modified webpage may be displayed to a user.

Claims (34)

1. A method comprising:

receiving a request for access to one or more alternative acquisition protocols associated with a computing device, wherein the request is received from a webpage including a native acquisition protocol, and wherein the request includes a user identifier corresponding to a user of the computing device;

generating a score for a set of alternative acquisition protocols based on the user identifier, wherein the score associated with an alternative acquisition protocol corresponds to a predicted likelihood that the user will execute the alternative acquisition protocol;

selecting a particular alternative acquisition protocol from the set of alternative acquisition protocols, wherein the selection is based on the score; and

facilitating a transmission including the particular alternative acquisition protocol, wherein the particular alternative acquisition protocol includes instructions that execute upon being received by the computing device, and wherein the instructions are configured to modify an appearance of the webpage to include the particular alternative acquisition protocol.

2. The method of claim 1 , wherein the score for the set of alternative acquisition protocols is generated by a trained machine-learning model.

3. The method of claim 1 , wherein the score is further based on a browsing history of the user.

4. The method of claim 1 , wherein the score is further based a value of an object presented by the webpage.

5. The method of claim 1 , wherein the score is further based on user interaction with the webpage.

6. The method of claim 1 , wherein the score is further based on a timestamp corresponding to when the webpage was loaded.

7. The method of claim 1 , wherein the instructions include JavaScript code configured to execute within the webpage to present the particular alternative acquisition protocol.

8. A system comprising:

one or more processors; and

a non-transitory computer-readable medium storing instructions that when executed by the one or more processors, cause the one or more processors to perform operations including

receiving a request for access to one or more alternative acquisition protocols associated with a computing device, wherein the request is received from a webpage including a native acquisition protocol, and wherein the request includes a user identifier corresponding to a user of the computing device;

generating a score for a set of alternative acquisition protocols based on the user identifier, wherein the score associated with an alternative acquisition protocol a corresponds to a predicted likelihood that the user will execute the alternative acquisition protocol;

selecting a particular alternative acquisition protocol from the set of alternative acquisition protocols based on the score; and

facilitating a transmission including the particular alternative acquisition protocol to the computing device, wherein the particular alternative acquisition protocol includes instructions that execute upon being received by the computing device to modify an appearance of the webpage to include the particular alternative acquisition protocol.

9. The system of claim 8 , wherein the score for the set of alternative acquisition protocols is generated by a trained machine-learning model.

10. The system of claim 8 , wherein the score is further based on a browsing history of the user.

11. The system of claim 8 , wherein the score is further based a value of an object presented by the webpage.

12. The system of claim 8 , wherein the score is further based on user interaction with the webpage.

13. The system of claim 8 , wherein the score is further based on a timestamp corresponding to when the webpage was loaded.

14. The system of claim 8 , wherein the instructions include JavaScript code configured to execute within the webpage to present the particular alternative acquisition protocol.

15. A non-transitory computer-readable medium storing instructions that when executed by one or more processors, cause the one or more processors to perform operations including:

receiving a request for access to one or more alternative acquisition protocols associated with a computing device, wherein the request is received from a webpage including a native acquisition protocol, and wherein the request includes a user identifier corresponding to a user of the computing device;

generating a score for a set of alternative acquisition protocols based on the user identifier, wherein the score associated with an alternative acquisition protocol a corresponds to a predicted likelihood that the user will execute the alternative acquisition protocol;

selecting a particular alternative acquisition protocol from the set of alternative acquisition protocols based on the score; and

facilitating a transmission including the particular alternative acquisition protocol to the computing device, wherein the particular alternative acquisition protocol includes instructions that execute upon being received by the computing device to modify an appearance of the webpage to include the particular alternative acquisition protocol.

16. The non-transitory computer-readable medium of claim 15 , wherein the score for the set of alternative acquisition protocols is generated by a trained machine-learning model.

17. The non-transitory computer-readable medium of claim 15 , wherein the score is further based on a browsing history of the user.

18. The non-transitory computer-readable medium of claim 15 , wherein the score is further based a value of an object presented by the webpage.

19. The non-transitory computer-readable medium of claim 15 , wherein the score is further based on user interaction with the webpage.

20. The non-transitory computer-readable medium of claim 15 , wherein the instructions include JavaScript code configured to execute within the webpage to present the particular alternative acquisition protocol.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded May 14, 2024
From: MUKHERJEE, JOYDEEP; YAGNESAK, KAREN; RAVI, VIVEKA VARDHAN; VADAKAPURAPU, SARATH; KUMAR, RAVISH; DADIREDDY, VISH
To: SYNCHRONY BANK
Reel/Frame 067403/0906 →
Continuity (3)
Continuation 17815423 · Jul 27, 2022
Provisional Application 63203658 · Jul 27, 2021
Related Publication 20240354133A1 · Oct 24, 2024
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