ALEXANDRIA, Va., Sept. 30 -- United States Patent no. 12,432,272, issued on Sept. 30, was assigned to Synchrony Bank (Stamford, Conn.).
"Cross-network differential determination" was invented by Roy Erez (Los Altos, Calif.), Alex Sirota (Los Altos, Calif.) and Gabriel Saunkeah (Berkeley, Calif.).
According to the abstract* released by the U.S. Patent & Trademark Office: "Provided are systems, methods, and computer-program products for a proxy network that can determine, for a set of objects, an initial differential, where the initial differential is determined using a rules data store of a host network. The proxy network can further determine a supplemental differential for the set of objects. The proxy network can further determine a fin...