Patents Assigned to PayPal, Inc.
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Patent number: 12073445Abstract: A system and method for selecting diverse product titles to display on a website are disclosed. In some example embodiments, the methods and systems described herein identify available products to be displayed, cluster the identified products based on their similarity to one another, select one or more products from each of the clusters, and display information, such as a title, associated with the randomly selected products.Type: GrantFiled: June 21, 2022Date of Patent: August 27, 2024Assignee: PayPal, Inc.Inventors: Sandip Namdeo Gaikwad, Sanjay Pundlkrao Ghatare, Joseph Anthony Beynon
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Patent number: 12073374Abstract: The present disclosure provides an exemplary system, method, and computer program product. The exemplary system includes at least one non-transitory memory storing user account information, wherein the information comprises a digital receipt associated with a user purchase and one or more conditions for delivering the digital receipt. The system further includes one or more hardware processors coupled to the at least one memory and operable to read instructions from the at least one memory to perform the steps of: receiving a payment request from a user; receiving at least one condition from the user for delivering a digital receipt associated with the payment request to at least one recipient; determining whether the at least one condition is satisfied; and delivering the digital receipt to the at least one recipient.Type: GrantFiled: February 28, 2022Date of Patent: August 27, 2024Assignee: PAYPAL, INC.Inventor: Giselle Katrina Nevada
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Patent number: 12072895Abstract: Machine learning techniques are disclosed that allow device contact list information to be leveraged in building better models that provide more accurate assessment of user transaction risks. A computing device may receive a contact list that includes a first set of user device identifiers and generates a contact graph for that user by associating the user device identifier with the first set as first-degree contacts. The computing device may then determine that a portion of the first set of the user device identifiers are stored in a contact database (e.g. on a server) and generate a user score based on user information associated with the first set, the contact graph, and a contact graph model. The computing device may provide the user score to a transaction assessment service as in input for the transaction assessment service deciding whether particular electronic transactions are approved for processing by an electronic service provider.Type: GrantFiled: October 17, 2022Date of Patent: August 27, 2024Assignee: PAYPAL, INC.Inventor: Nilotpal Paul
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Patent number: 12073393Abstract: A cryptographic scheme associated with a transaction service is received at a first computer system. Subsequent to receiving the cryptographic schema, the first computer system performs a configuration process for a transaction to be performed with the transaction service. The configuration process includes receiving a request for transaction configuration information from a client device. The request includes a cryptographic token generated by a second computer system the transaction service. The first computer system determines whether to grant the request based on analyzing the cryptographic token according to the cryptographic schema. Based on the determining, the first computer system sends transaction configuration information. The configuration process is performed by first computer system independent of communication between the second computer system and the first computer system.Type: GrantFiled: May 29, 2020Date of Patent: August 27, 2024Assignee: PayPal, Inc.Inventors: Joshua Knox, Sandeep Kumar, Kin Kee
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Patent number: 12066918Abstract: Systems and/or techniques for facilitating online-monitoring of machine learning models are provided. In various embodiments, a system can receive monitoring settings associated with a machine learning model to be monitored. In various cases, the monitoring settings can identify a first set of data features that are generated as output by the machine learning model. In various cases, the monitoring settings can identify a second set of data features that are received as input by the machine learning model. In various aspects, the system can compute a first set of statistical metrics based on the first set of data features. In various cases, the first set of statistical metrics can characterize a performance quality of the machine learning model. In various instances, the system can compute a second set of statistical metrics based on the second set of data features.Type: GrantFiled: March 6, 2023Date of Patent: August 20, 2024Assignee: PAYPAL, INC.Inventors: Lokesh Nyati, Jonathan Doering, Sruthi Yapalapalli, Sriharsha Vogeti
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Patent number: 12067475Abstract: Systems and/or techniques for facilitating image forgery detection via headpose estimation may include a system that can receive a document from a client device. The system can identify, by executing a first trained machine learning model, an object that is depicted in the document. The system can determine, by executing a second trained machine learning model, a pose of the object. The system can determine, by executing a third trained machine learning model, whether the document is authentic or forged based on the pose of the object. The system can, in response to determining that the document is forged, transmit an unsuccessful validation message to the client device.Type: GrantFiled: April 21, 2021Date of Patent: August 20, 2024Assignee: PayPal, Inc.Inventors: Xiaodong Yu, Jiazheng Zhang, Jiyi Zhang, Quan Jin Ferdinand Tang, Shanshan Peng, Yuzhen Zhuo, Hong Qian, Runmin Wen
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Patent number: 12066868Abstract: Systems and methods for providing merchant/customer interaction include determining that a tablet computer is in a merchant orientation, retrieving merchant product information according to a received instruction and merchant orientation information, and displaying a merchant screen on the tablet computer that includes the merchant product information according to the merchant orientation information. A change in the orientation of the tablet computer enclosure/stand is then detected from the merchant orientation to a customer orientation. In response, the merchant screen is transitioned on the tablet computer display to a customer screen as the tablet computer enclosure/stand changes orientations by moving the merchant screen and the customer screen linearly while in a stacked orientation.Type: GrantFiled: April 20, 2023Date of Patent: August 20, 2024Assignee: PAYPAL, INC.Inventors: Michael Voege, Faran Najafi, Egan Schultz, Satish Govindarajan
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Patent number: 12067550Abstract: Systems, computer-implemented methods, apparatus, and/or computer program products that can facilitate electronic generation and/or display of enhanced, transaction-based QR codes are provided. In various embodiments, a system can receive, from an electronic beacon of a point-of-sale device, context data characterizing a transaction facilitated by the point-of-sale device. In various instances, the system can generate a quick response (QR) code based on the context data and based on financial instrument data, such that the context data and the financial instrument data are embedded within or correlated to the QR code. In various aspects, the system can visually render the QR code on an electronic display, such that the QR code is scannable by the point-of-sale device.Type: GrantFiled: November 11, 2020Date of Patent: August 20, 2024Assignee: PayPal, Inc.Inventors: Patrick Babcock, Laura Clark, Oscar Charles Edward Sanderson
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Patent number: 12067103Abstract: There are provided systems and methods for iframe injection in mobile web browser applications for web browser extension opt-in. A service provider may provide a mobile application web browser extension, which may operate in conjunction with a mobile application web browser. The extension may interface with the web browser in order to determine data for browsed websites and user interactions and provide offers and savings to users during electronic transaction processing. In order to use the extension with the web browser, an opt-in preference and permission may be required. To provide this opt-in, the extension may cause the web browser to navigate to and load a webpage of the service provider. The extension may then inject an iframe that calls another domain, and a script of the extension executes in the iframe. The script may then infer that a permission has been granted.Type: GrantFiled: September 14, 2021Date of Patent: August 20, 2024Assignee: PAYPAL, INC.Inventors: Zachary C Babtkis, Anthony Le, Pavel Villarreal
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Patent number: 12062032Abstract: A payment device comprising of a housing, a slot for insertion of a user instrument located on a front surface of the housing, and wherein the housing includes a smart card interface integrated circuit that is configured to read an EMV chip located on the user instrument, and a universal serial bus (USB) type C male connector configured to be inserted into a female connector on a computing device, wherein the USB type C male connector is located on a back surface of the housing, and wherein a size of the USB type C male connector is configured so that when the USB type C male connector is inserted into the female connector on the computing device, the back surface of the housing is within a distance of three centimeters of a surface of the computing device.Type: GrantFiled: May 1, 2023Date of Patent: August 13, 2024Assignee: PayPal, Inc.Inventors: Satish Govindarajan, Carlos Manuel Rivas, Tinyen Shih, Anantharaj Uruthiralingam, Guhan Senguttuvan
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Patent number: 12062051Abstract: Methods and systems are presented for predicting a likelihood of an occurrence of an event, such as a dispute or a chargeback, associated with an electronic transaction based on monitoring user interactions of a user with one or more computing systems after the electronic transaction has been conducted. The electronic transaction may involve a purchase of a product and/or service from a merchant. After the transaction is conducted, user interactions of the user with the one or more computer systems, such as a website of the merchant involved in the transaction, a website of another merchant, and a website of a payment service provider may be monitored. A machine learning model may then be used to predict whether the event associated with the transaction will occur in the future based on the monitored user interactions.Type: GrantFiled: March 29, 2021Date of Patent: August 13, 2024Assignee: PAYPAL, INC.Inventors: Chengal Yerradoddi, Phanendra Mallampalli, Abhishek Hodavdekar
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Patent number: 12058172Abstract: Systems and methods for defending against emoji domain web address phishing are disclosed. A system may provide computer system security in various instances in which a web address includes an emoji character, which can be rendered as a graphical icon on a user system, and which may cause user confusion leading to a possible computer security breach. The system receives a web address as an input to a web browser. The system processes the received web address to remove any emoji characters present in the received web address. The system compares the processed web address to the received web address and determines whether the processed web address matches the received web address. Various actions are performed to prevent successful phishing attempts against users based on whether the processed web address matches the received web address.Type: GrantFiled: June 14, 2021Date of Patent: August 6, 2024Assignee: PAYPAL, INC.Inventor: George Chen Kaidi
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Patent number: 12056230Abstract: There are provided systems and methods for split one-time password digits for secure transmissions to selected devices. Authentication credentials and one-time password operations by a service provider, such as an electronic transaction processor for digital transactions, may be compromised by malicious computing attacks or other actions that compromise the security of data and communications. To increase security of the data within a communication and authentication operations, a split one-time password system may be implemented. A user may preset a number of known digits for a one-time password with a profile and/or account. When multifactor authentication is required, randomized digits may be generated using a hash algorithm and may be transmitted to the user with instructions for completion of the one-time password. The user may be required to specifically enter the known digits with the randomized digits to properly pass the multifactor authentication.Type: GrantFiled: September 21, 2021Date of Patent: August 6, 2024Assignee: PAYPAL, INC.Inventors: George Chen Kaidi, Antony Amalraj Morais
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Patent number: 12056247Abstract: Aspects of the present disclosure involve, a customizable system and infrastructure which can receive privacy data from varying data sources for privacy scanning, containment, and reporting. In one embodiment, data received is scanned for privacy data extraction using various data connectors and decryption techniques. In another embodiment, the data extracted is transferred to a privacy scanning container where the data is analyzed by various deep learning models for the correct classification of the data. In some instances, the data extracted may be unstructured data deriving form emails, case memos, surveys, social media posts, and the like. Once the data is classified, the data may be stored or contained according to the classification of the data. Still in another embodiment, the classified data may be retrieved by an analytics container for use in reporting.Type: GrantFiled: July 1, 2021Date of Patent: August 6, 2024Assignee: PAYPAL, INC.Inventors: Amir Hossein Youssefi, Ravi Retineni, Alejandro Picos, Gaoyuan Wang, Li Cao, Deepa Madhavan, Srinivasabharathi Selvaraj
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Patent number: 12056249Abstract: A method for using unified identities in a multi-tenant architecture system is discussed. The method includes receiving a request, at a first service provider, to provide a service for a user. The method includes accessing a representation of a second service provider in a first hierarchical data structure managed by the first service provider. The method includes determining that user data required for the service is managed by the second service provider that manages user identity of the user. The method includes determining that the representation is linked with a full identity reference for the second service provider in a second hierarchical data structure managed by the second service provider. The method includes accessing the user data at the second hierarchical data structure using the full identity reference. The method includes accessing the service via the lightweight identity reference and using the user data at the first service provider.Type: GrantFiled: June 7, 2021Date of Patent: August 6, 2024Assignee: PayPal, Inc.Inventors: Prashant Jamkhedkar, Aravindan Ranganathan, Sandeep Kumar, Norihiro Aoki, Justin White, Jeffrey Meyer
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Patent number: 12050972Abstract: Machine learning models are powerful artificial intelligence tools that can make determinations based on a variety of factors. Unlike a simple linear model, however, determining the contribution of each variable to the outcome of a machine learning model is a challenging task. It may be unclear which factors contributed heavily toward a particular outcome of the machine learning model and which factors did not have a major effect on the outcome. Being able to accurately determine the underlying causative factors for a machine learning-based decision, however, can be important in several contexts. The present disclosure describes techniques that allow for training and use of non-linear machine learning models, while also preserving causal information for outputs of the models. Relative weight calculations for machine learning model variables can be used to accomplish this, in various embodiments.Type: GrantFiled: July 30, 2021Date of Patent: July 30, 2024Assignee: PAYPAL, INC.Inventors: Amit Bansal, Thomas Rosati, Tittu Thomas Nellimoottil
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Patent number: 12050571Abstract: Techniques are disclosed relating to a graphical user interface (GUI) that is operable to depict data lineage information in levels. In some embodiments, data lineage information may specify a directed graph that is indicative of a data lineage associated with a plurality of data elements. For example, in the data lineage information, the plurality of data elements may be represented as a corresponding plurality of nodes and, in the directed graph, the plurality of nodes may be connected by edges in a manner that is indicative of the data lineage relationships between the plurality of data elements. In various embodiments, the disclosed techniques may generate a data lineage GUI that, for a selected data element of the plurality of elements, is usable to navigate different levels of the data lineage in an upstream and downstream direction relative to a particular level of the selected data element.Type: GrantFiled: November 17, 2021Date of Patent: July 30, 2024Assignee: PayPal, Inc.Inventors: Danfeng Jiang, Jie Shen
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Patent number: 12050594Abstract: A system performs operations that include receiving a database request to access, via a first connection in a connection pool, information stored in a database of the system. The first connection is associated with a physical connection layer and one or more logical connection layers. The physical connection layer points to a first network socket. Additionally, the operations include storing metadata associated with the one or more logical connection layers in a buffer. The operations further include responsive to determining that the first connection has been terminated and while maintaining the one or more logical layers, modifying the physical connection layer to point to a second network socket that is different from the first network socket. The operations also include subsequent to the modifying, processing the database request via the first connection based on the metadata stored in the buffer.Type: GrantFiled: November 29, 2021Date of Patent: July 30, 2024Assignee: PAYPAL, INC.Inventor: Jaykumar Patel
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Patent number: 12052282Abstract: Systems and/or techniques for facilitating automatic detection of proxy-based phishing sites are provided. In various embodiments, a system can access a computer-executable web resource and can embed an authorization verification logic within the computer-executable web resource. In various aspects, upon execution of the computer-executable web resource, the authorization verification logic can be configured to: identify a computing domain via which the computer-executable web resource is being executed; compare the identified computing domain with one or more authorized computing domains; determine that the identified computing domain is an unauthorized proxy site if the identified computing domain does not match at least one of the one or more authorized computing domains; and initiate a remedial action based on determining that the identified computing domain is an unauthorized proxy site.Type: GrantFiled: August 25, 2021Date of Patent: July 30, 2024Assignee: PayPal, Inc.Inventors: Abraham Joseph Kang, Bharat Chandra Penta, Antonio Montanez, Jr., Faisal M Khan, Vinh Nguyen, Casey Ian Abernathy, Ilya Volodin
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Patent number: 12045817Abstract: Systems and techniques for facilitating card authentication technique selection via machine learning are provided. In various embodiments, a processor can access an attribute vector associated with a financial payment card. In various instances, the processor can determine, via execution of a machine learning model, whether to authenticate the financial payment card with a zero-dollar authentication technique or instead with a tokenization authentication technique, based on the attribute vector. In various cases, the processor can execute the zero-dollar authentication technique with respect to the financial payment card, when the processor determines that the financial payment card should be authenticated with the zero-dollar authentication technique.Type: GrantFiled: July 28, 2023Date of Patent: July 23, 2024Assignee: PayPal, Inc.Inventors: Aditya Jain, Piyush Neupane, Yogesh Krishna Kandlur