Patents Assigned to PayPal, Inc.
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Patent number: 12107947Abstract: The systems and methods of the multi-blockchain transaction information segregation system of the present disclosure receive a first digital transaction, which includes first digital transaction information and second digital transaction information, through a network via broadcast by a first transaction device. A primary blockchain address provided on a primary blockchain is then identified in the first digital transaction, and a primary blockchain smart contract that is stored on the primary blockchain in association with the primary blockchain address is accessed. The primary blockchain smart contract is then executed to cause the first digital transaction information to be stored on the primary blockchain, and the second digital transaction information to be stored on a secondary blockchain that is separate from the primary blockchain.Type: GrantFiled: May 21, 2021Date of Patent: October 1, 2024Assignee: PAYPAL, INC.Inventor: Pankaj Sarin
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Patent number: 12106343Abstract: Systems and methods of assisting in an electronic shopping experience are disclosed. A request may be received, from a user on a device having a user interface, to search for an item listed for sale in a marketplace. A balance amount of an account associated with or available to the user at the marketplace is displayed in the user interface. The search results are limited to at least one item having a sales price less than the displayed balance amount and the at least one item is displayed in the user interface. The account may be a user account at a payment service provider.Type: GrantFiled: July 30, 2021Date of Patent: October 1, 2024Assignee: PayPal, Inc.Inventors: Sandra Lynn Godsey, Steven Romero
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Patent number: 12105592Abstract: There are provided systems and methods for increasing availability of a micro-computation decision service by utilizing execution flow configurations. A service provider, such as an electronic transaction processor for digital transactions, may utilize different decision services that implement rules and/or artificial intelligence models for decision-making of data including data in production computing environment. A decision service may normally be used for data processing and decision-making through an execution flow configuration and/or graph identifying a flow of task executions and other computing operations.Type: GrantFiled: August 19, 2022Date of Patent: October 1, 2024Assignee: PAYPAL, INC.Inventors: Prabin Patodia, Rajendra Bhat
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Patent number: 12106300Abstract: Methods and systems are provided for making secure financial transactions, such as purchase payments, using rich Internet applications (RIA) running an RIA runtime (also referred to as a platform or framework) on the user's smart phone or other mobile device. Embodiments differ from the usual way of re-directing a user from a third-party application and authenticating the user by providing secure in-line payments from a rich Internet application running on an RIA runtime. A system includes: a mobile device executing a rich Internet application running on an RIA runtime; a payment library communicating with the RIA runtime and a service provider, for which the payment library communicates with the service provider to authenticate the rich Internet application; and in response to authentication by the service provider, facilitates secure financial transactions via the rich Internet application.Type: GrantFiled: April 7, 2023Date of Patent: October 1, 2024Assignee: PAYPAL, INC.Inventors: Prashant Jamkhedkar, Upendra Mardikar, Mark Wenger, Mehul Asher, Victor Chau
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Patent number: 12106080Abstract: Techniques for an ultra-fact software compilation of source code are provided. A compiler receives software code and may divide it into code sections. A map of ordered nodes may be generated, such that each node in the map may include a code section and the order of the nodes indicates an execution order of the software code. Each code section may be compiled into an executable object in parallel and independently from other code sections. A binary executable may be generated by linking executable objects generated from the code sections. The methodology significantly differs from existing source code compilation techniques because conventional compilers build executable sequentially, whereas the embodiments divide the source code into multiple smaller code sections and compile them individually and in parallel. Compiling multiple code sections improves the compilations in order of magnitude from conventional techniques.Type: GrantFiled: April 23, 2023Date of Patent: October 1, 2024Assignee: PayPal, Inc.Inventor: Abraham Richard Hoffman
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Patent number: 12106354Abstract: An easy authentication or payment is made by creating an account associated with a particular web browser or device that accesses an on-line page. Payments are made, such as for full-access viewing of an article or viewing content without visible ads, by selecting a payment button on the on-line page. Selection can be with a specific swiping motion or device motion previously defined for the user. Once selected, the payment is made without the user having to authorize or authenticate. The motion can be used independently to authorize or authenticate the user through the device.Type: GrantFiled: November 22, 2021Date of Patent: October 1, 2024Assignee: PAYPAL, INC.Inventor: German Scipioni
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Patent number: 12106287Abstract: Methods and systems for generating on-demand payment instruments are described. A user with a user payment account may perform a transaction with a user device and request an on-demand payment instrument. The request may be communicated to a transaction device. The transaction device may authenticate the request and associate an on-demand payment instrument to the user payment account. Information associated with the on-demand payment instrument information may then be tokenized and communicated to the user device, the merchant, or another party and the information may be entered and/or processed for the transaction.Type: GrantFiled: August 11, 2020Date of Patent: October 1, 2024Assignee: PAYPAL, INC.Inventor: Bhargavkumar Donga
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Patent number: 12101353Abstract: Techniques are disclosed relating to automatically determining whether an entity is malicious. In some embodiments, a server computer system generates a feature vector for an unknown website, where generating the feature vector includes preprocessing a plurality of structural features of the unknown website. In some embodiments, the system inputs the feature vector for the unknown website into a trained neural network. In some embodiments, the system applies a clustering algorithm to a signature vector for the unknown website and signature vectors for respective ones of a plurality of known websites output by the trained neural network. In some embodiments, the system determines, based on results of the clustering algorithm indicating similarities between signature vectors for the unknown website and one or more of the signature vectors for the plurality of known websites, whether the unknown website is suspicious.Type: GrantFiled: July 7, 2022Date of Patent: September 24, 2024Assignee: PayPal, Inc.Inventors: Iulian-Corneliu-Ran Locar, Tomer Handelman
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Patent number: 12100008Abstract: There are provided systems and methods for a machine learning-based network trained to perform risk assessment through device data. A service provider server receives device data of a user device associated with a merchant account registered with a merchant server for a merchant service, and receives, from the merchant server, a request containing a unique token identifier for initiating a risk assessment operation to generate a device assessment score for the user device, where the device assessment score indicates a level of risk between the user device and the merchant account. The service provider server selects a risk assessment engine to perform the risk assessment operation and generates the device assessment score and a narrative for the device assessment score, and sends, to the merchant server through an application programming interface, a message containing a unique device identifier for the user device, the device assessment score and the narrative.Type: GrantFiled: April 7, 2023Date of Patent: September 24, 2024Assignee: PAYPAL, INC.Inventors: Manickkam Pandian, Souradeep Sen, Ranjit K. Valasa, Suchita Shridhar Shirke, Sabarirajan Jeeva
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Patent number: 12100193Abstract: Systems, methods, and computer program products for determining an attack on a neural network. A data sample is received at a first classifier neural network and at a watermark classifier neural network, wherein the first classifier neural network is trained using a first dataset and a watermark dataset. The first classifier neural network determines a classification label for the data sample. A watermark classifier neural network determines a watermark classification label for the data sample. A data sample is determined as an adversarial data sample based on the classification label for the data sample and the watermark classification label for the data sample.Type: GrantFiled: November 10, 2022Date of Patent: September 24, 2024Assignee: PayPal, Inc.Inventor: Jiyi Zhang
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Patent number: 12100017Abstract: A unified model for a neural network can be used to predict a particular value, such as a customer value. In various instances, customer value may have particular sub-components. Taking advantage of this fact, a specific learning architecture can be used to predict not just customer value (e.g. a final objective) but also the sub-components of customer value. This allows improved accuracy and reduced error in various embodiments.Type: GrantFiled: November 30, 2021Date of Patent: September 24, 2024Assignee: PayPal, Inc.Inventors: Shiwen Shen, Danielle Zhu, Feng Pan
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Patent number: 12093993Abstract: Various methods and systems are provided to capture a unique product code, such as QR code, on a mobile device, process the information contained in the code, provide the user with options of making a purchase, including purchasing a plurality of selected products from different captured codes, and processing the payment via the user's mobile device.Type: GrantFiled: July 17, 2023Date of Patent: September 17, 2024Assignee: PAYPAL, INC.Inventor: Aalap D. Parikh
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Patent number: 12093931Abstract: Techniques are disclosed for exchanging digital gaming currency directly between an online service system platform and an online gaming system platform. Various techniques disclosed describe integration of the online service system platform with the online gaming system platform and linking user accounts between the platforms. Integrating the online service system platform with the online gaming system platform and linking user accounts between the platforms allows for direct transferring of digital gaming currency between user accounts located in the online service system platform. Additionally, digital gaming currency may be directly deposited into a user's account on the online gaming system platform from the online service system platform.Type: GrantFiled: September 30, 2021Date of Patent: September 17, 2024Assignee: PayPal, Inc.Inventors: Guilherme de Barros Chapiewski, Joanie Magdalena Munro
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Patent number: 12093268Abstract: A method includes identifying a plurality of data items responsive to a first query. A presentation value associated with each of the plurality of data items is determined, the presentation value of a respective data item being a value associated with the respective data item by a first user in exchange for the presentation of the data item by a publication system. The plurality of data items are ranked for presentation to a second user, the ranking being performed using the respective presentation values associated with the plurality of data items.Type: GrantFiled: January 28, 2020Date of Patent: September 17, 2024Assignee: PayPal, Inc.Inventors: Adam Nash, Petra Gross
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Patent number: 12093982Abstract: Methods and systems to identify a user across multiple browsers and machines are described. In some embodiments, a web request is received at a retrieval service from a browser. The web request may include a request to access a retrieval service website of the retrieval service and may be initiated by a redirection of the browser from a requesting service to the retrieval service. A unique identifier associated with a user logged in to an account of the retrieval service may be determined. The user may be logged in to the account via the browser. A redirect request is sent from the retrieval service to the browser. The redirect may include the unique identifier and may redirect the browser from the retrieval service website to the requesting service. The unique identifier may be used by the requesting service to perform additional functionality specific to the user.Type: GrantFiled: November 3, 2022Date of Patent: September 17, 2024Assignee: PayPal, Inc.Inventor: Srinivasan Raman
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Patent number: 12093937Abstract: Techniques are disclosed relating to selection of miners/validators in a decentralized cryptographic network. In some embodiments, a request to add a transaction to a blockchain includes a cryptographic signature associated with provision of a second transfer fee, in addition to a first transfer fee, to miners/validators who meet a set of one or more criteria. Disclosed techniques may advantageously allow steering of blockchain requests to a desired subset of miners/validators.Type: GrantFiled: March 28, 2022Date of Patent: September 17, 2024Assignee: PayPal, Inc.Inventor: Sujay Vijay Purandare
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Patent number: 12086020Abstract: Techniques are disclosed relating to maintaining a high availability (HA) database. In some embodiments, a computer system receives, from a plurality of host computers, a plurality of requests to access data stored in a database implemented using a plurality of clusters. In some embodiments, the computer system responds to the plurality of requests by accessing data stored in an active cluster. The computer system may then determine, based on the responding, health information for ones of the plurality of clusters, wherein the health information is generated based on real-time traffic for the database. In some embodiments, the computer system determines, based on the health information, whether to switch from accessing the active cluster to accessing a backup cluster. In some embodiments, the computer system stores, in respective clusters of the database, a changeover decision generated based on the determining.Type: GrantFiled: May 30, 2023Date of Patent: September 10, 2024Assignee: PayPal, Inc.Inventors: Zhe Huang, Jia Mei, Xin Li, Ying Yue, Chaoyi Chen
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Patent number: 12086277Abstract: Computer system security can be improved through the use of whitelists and blacklists based on Bloom filters in the context of real-time data and electronic actions. A transaction may use a specific asset. A first search of the specific asset can be conducted in a Bloom filter whitelist comprising first assets classified as having a first status. The first search may return a plurality of first binary results corresponding to different hash functions performed the first assets. A second search of the specific asset can be conducted in a Bloom filter blacklist comprising second assets classified as having a second status different from the first status. The second search can return a plurality of second binary results corresponding to different hash function performed on the second assets, and the specific asset can be determined to be good or bad based on values of the first and second binary results.Type: GrantFiled: December 25, 2018Date of Patent: September 10, 2024Assignee: PAYPAL, INC.Inventor: Ying Lin
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Patent number: 12088619Abstract: Techniques are disclosed relating to identity-based risk evaluation using risk scores for different identities. The disclosed techniques include a server system that provides a service usable to perform computing operations for requesting users. The system may receive a request to perform a particular computing operation from a client device. Based on a name of a user associated with the request, the system assigns an first type of identity that is a birthright identity to the user. Based on details of the request, the system assigns additional identities to the user that are different identity types than the first type of identity. The system may score, based on accessing a risk score database storing known risk information associated with different identity types, the first type of identity and the additional identities. The system may generate a response based on the scoring and transmit the response to the client device.Type: GrantFiled: November 29, 2022Date of Patent: September 10, 2024Assignee: PayPal, Inc.Inventor: Jonathan Steele Barth
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Patent number: 12086862Abstract: A method for merchant-side tracking of customer selections includes receiving, via a user list script on a merchant webpage, a user selection of a product representation displayed on a UI of a user device. The method includes updating a user list with the user selection, the user list associated with a generic user representation. The method includes determining, based on a type of identifier associated with a user of the user device, to use a generic user representation with the user list. The method includes selecting, based on the generic user representation, an anonymous user flow type for tracking the user as an anonymous user of the merchant webpage. The anonymous user flow type associates the user device with the user list independently of associating the user with the merchant.Type: GrantFiled: October 25, 2021Date of Patent: September 10, 2024Assignee: PAYPAL, INC.Inventors: Braden Christopher Ericson, Arvind Naidu, Harshal Deo, Prasanna Vinjamuri