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Synchrony Financial (SYF)

NYSE: SYF · Finance Services · Stamford, CT · filing with the SEC since 2014
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Grade6.4
◀ Past 7.8● Present 6.6▶ Future 3.9
5 est.
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Patents

US patents through Dec 31, 2025 · PatentsView, from the USPTO’s Open Data Portal · read Oct 27, 2026

81 patents granted to the 4 names below, as the owner printed on each patent when it was granted. A later sale, a lapse or an expiry is not read, so this is what was granted to Synchrony Financial’s names, not what it holds today.

Patents granted
81
81 utility, 1976 to Dec 31, 2025
Granted in 2025
21
Against 24 in 2024 and 17 in 2023
Applications published
153
42 of them in 2025
Names they are printed under
4
a subsidiary
By yearGrantedApplications published
'17'19'20'21'22'23'24'25
Each pair is one calendar year. Applications are published about eighteen months after filing, so the newest years read low.
What they are aboutgrants since 2021
IT methods for management43
Computer technology22
Digital communication14
The main technology area of each patent, in the World Intellectual Property Organization’s 35 fields.
Under which name4 counted
Synchrony Bank a subsidiary
US, as the owner printed on each patent
80 granted
59 published
Synchrony Bank a subsidiary
named as the applicant on its applications, in US
0 granted
93 published
VERSATILE CREDIT, INC. a subsidiary
US, as the owner printed on each patent
1 granted
0 published
VERSATILE CREDIT, INC. a subsidiary
named as the applicant on its applications, in US
0 granted
1 published
Newest grantseach row opens the USPTO’s own copy
GrantedPatentTitleFieldOwner as printed
Dec 30, 202512,511,681Systems and methods for predictive gift subscriptionsIT methods for managementSynchrony Bank
Dec 23, 202512,505,451Single entry combined functionalityIT methods for managementSynchrony Bank
Oct 28, 202512,455,679Systems and methods for automatically associating objects with a valueComputer technologySynchrony Bank
Oct 14, 202512,443,949Data security for transactions with secure offer systemIT methods for managementSynchrony Bank
Oct 14, 202512,443,948Network data management and data securityDigital communicationSynchrony Bank
Oct 14, 202512,443,423Methods and system for providing customized acquisition protocolsComputer technologySynchrony Bank
Oct 7, 202512,437,218Methods of explaining an individual predictions made by predictive processes and/or predictive modelsComputer technologySynchrony Bank
Sep 30, 202512,432,272Cross-network differential determinationDigital communicationSynchrony Bank
Sep 16, 202512,417,445System and method for integrating data from a remote server with a client applicationIT methods for managementSynchrony Bank
Jul 1, 202512,346,909Unique device identification systemIT methods for managementSynchrony Bank
Newest applications publishedan application is a clue, never a plan
PublishedApplicationTitleFieldOwner as printed
Dec 11, 20252025/0378462SYSTEMS AND METHODS FOR OPTIMIZING ALLOCATION OF POINTSIT methods for managementSynchrony Bank
Dec 4, 20252025/0371539SYSTEMS AND METHODS FOR DYNAMIC GENERATION OF SECURITY CODES FOR INSTRUMENT UTILIZATIONSDigital communicationSynchrony Bank
Nov 27, 20252025/0363445SYSTEMS AND METHODS FOR MACHINE VISION BASED OBJECT RECOGNITIONComputer technologySynchrony Bank
Nov 20, 20252025/0355789MULTI-TIER MODULAR USER INTERFACE DESIGN AND TESTINGComputer technologySynchrony Bank
Nov 20, 20252025/0355629SYSTEMS AND METHODS FOR SCALABLE RANDOMIZED SELECTION WITH ENFORCED PROPORTIONALITY ACROSS DISTRIBUTED SYSTEMSComputer technologySynchrony Bank
Nov 13, 20252025/0348888UNIQUE DEVICE IDENTIFICATION SYSTEMIT methods for managementSynchrony Bank
Oct 9, 20252025/0315819Integrated Hosted SolutionsIT methods for managementSynchrony Bank
Oct 2, 20252025/0307795POST-PURCHASE CREDIT OFFER AND TENDER SWITCHIT methods for managementSynchrony Bank
Sep 18, 20252025/0292323DYNAMIC MULTI-STAGE QUALIFICATION ANALYSISIT methods for managementSynchrony Bank
Sep 18, 20252025/0292300SYSTEMS AND METHODS FOR AUTOMATED QUALIFICATION ANALYSISIT methods for managementSynchrony Bank
What it applied for, 2024 to 2025: IT methods for management 41 · Computer technology 19 · Digital communication 6.

A patent is counted where the owner printed on it when it was granted carries the company’s own name, a former name, the name of a subsidiary its annual report lists, or its own name with a patent-holding phrase (Technology Licensing, Intellectual Property and the like), once the legal form, case and punctuation are set aside, and prints a country that name counts in. PatentsView’s data are published under the Creative Commons Attribution 4.0 licence. Source: PatentsView's granted patents and pre-grant publications, disambiguated, from the USPTO's Open Data Portal, through Dec 31, 2025, read Oct 27, 2026.

SI Assistanton SYF · research, not advice