USPTO Grants Patent for Dynamic Offer Selection System

ChangeBridge: Patent Grants - Business Methods (G06Q)

Published March 24th, 2026

Detected March 25th, 2026

Summary

The USPTO has granted a patent (US12586109B2) for a dynamic offer selection system to Synchrony Bank. The patent covers methods for generating and dynamically selecting merchant offers based on offer data, merchant configurations, and customer data.

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What changed

The United States Patent and Trademark Office (USPTO) has granted patent US12586109B2 for a "Dynamic offer selection system" to Synchrony Bank. The patent, filed on July 27, 2022, and granted on March 24, 2026, describes a system and method for dynamically selecting and facilitating merchant offers based on various data feeds, including customer-specific data.

This patent grant is primarily an intellectual property matter and does not impose new regulatory obligations on businesses. However, companies operating in e-commerce and financial technology, particularly those involved in offer management and customer data utilization, should be aware of this patented technology. The assignee, Synchrony Bank, may leverage this patent to protect its innovations in dynamic offer systems.

Source document (simplified)

← USPTO Patent Grants

Dynamic offer selection system

Grant US12586109B2 Kind: B2 Mar 24, 2026

Assignee

Synchrony Bank

Inventors

Joydeep Mukherjee, Karen Yagnesak, Viveka Vardhan Ravi, Sarath Vadakapurapu, Ravish Kumar, Vish Dadireddy

Abstract

Aspects of a dynamic offer system are described. In one example, a method involves receiving a data feed of offer data, generating a set of current offers in a database using a set of offer rules and the data feed, receiving merchant configuration data associated with a merchant portal, and dynamically selecting current merchant offers from the set of current offers in the database using the merchant configuration data. A request is received for the current merchant offers, where when the request for the current merchant offers is received from a customer device, the request includes dynamic customer data customized based on user selections, one or more offers of the current merchant offers based on the dynamic customer data are dynamically selected, and a transaction between the customer device and the merchant portal associated with the one or more offers dynamically selected by the computing device is facilitated.