Patents Assigned to PayPal, Inc.
  • Patent number: 12020240
    Abstract: Methods and systems are provided to receive token context data from a token request, determine parameters of a custom token, and generate and communicate the custom token. Tokens may be generated that are compatible with one or more payment providers from a plurality of possible payment providers. Data related to current and future conditions of the payment providers, merchant preferences, customer preferences, locations of the merchant, customer, and/or the transaction, and regulatory rules may be used to select the payment provider.
    Type: Grant
    Filed: October 11, 2021
    Date of Patent: June 25, 2024
    Assignee: PayPal, Inc.
    Inventors: Dinesh Agnello Gomes, Ashwini Vishwanath, Vyomesh Sharma, Nitin Prabhu
  • Patent number: 12022290
    Abstract: Systems and methods for managing concurrent secure elements on a mobile device to coordinate with an application or “app” running on the mobile device and an appropriate communications protocol for conducting transactions using the mobile device include: informing, by the processor, the reader device of a preferred app and a communication protocol usable by the preferred app; receiving, by the processor, information about which apps and communication protocols are supported by a reader for processing a transaction; locating, by the processor, a secure element supporting an app and a communication protocol supported by the reader; channeling the communication protocol for the specific configuration of the app and the supporting secure element; activating the secure element that supports the app; and processing, with the activated secure element, using the supported app and communication channel, the transaction with the reader.
    Type: Grant
    Filed: February 24, 2023
    Date of Patent: June 25, 2024
    Assignee: PayPal, Inc.
    Inventors: Sebastien Taveau, John Hastings Granbery
  • Patent number: 12020234
    Abstract: A payment service provider device determines that a first geolocation of a user device is within a predetermined proximity to a second geolocation associated with a merchant Point-Of-Sale (POS) device that is coupled to a network and provides, via the network to the merchant POS device, a communication that includes a user identifier associated with a user of the user device, such that the communication causes the user identifier to be displayed on a display device associated with the merchant POS device and the user is checked-in at a merchant location associated with the merchant POS and the second geolocation. The payment service provider device receives, via the network, a payment request that is associated with the user identifier, and then completes the payment request using a user account associated with the user identifier.
    Type: Grant
    Filed: August 25, 2021
    Date of Patent: June 25, 2024
    Assignee: PAYPAL, INC.
    Inventors: Yoseph Tilahun, Biju Balakrishnan Nair
  • Patent number: 12015532
    Abstract: Techniques are disclosed relating to component-based risk evaluation using flow signature values. In various embodiments, the disclosed techniques include a server system providing a service usable to provide various computing operations for requesting users, where the server system includes various components with associated component identifier values. In various embodiments, different sequences of the components are usable to perform different ones of the various computing operations. In response to a request from a client device, the server system may perform a requested computing operation via a processing flow that utilizes a particular sequence of components. In various embodiments, the server system generates a particular flow signature value for that particular processing flow, including by generating a flow identifier value by combining component identifier values for the particular sequence of components.
    Type: Grant
    Filed: July 15, 2022
    Date of Patent: June 18, 2024
    Assignee: PayPal, Inc.
    Inventors: Jonathan Steele Barth, Ashish Garg
  • Patent number: 12014154
    Abstract: Methods and systems are presented for providing a computer platform that manages the impacts of government regulations on existing software processes of an online service provider. A regulation document is obtained from a government agency. The regulation document is processed, and legal obligations relevant to an online service provider are extracted from the regulation document. An ensemble machine learning model is used to recommend, for each of the legal obligations, software controls that can be implemented within one or more software processes of the online service provider to mitigate a risk of the legal obligations. The ensemble machine learning model may include an attribute-based model and a text-based model. An explainable visual interface is provided to present the recommended software controls and context that indicates to a user how the software controls are determined for the legal obligations.
    Type: Grant
    Filed: March 19, 2021
    Date of Patent: June 18, 2024
    Assignee: PAYPAL, INC.
    Inventors: Sneha Venkatachalam, Ravi Retineni, Hang Yu, Zhaoyang Wang, Yi Ren, Zihao Zhao, Huiting Li, Gaoyuan Wang, Li Cao
  • Patent number: 12014376
    Abstract: Methods and systems are presented for automatically verifying online content for different device configurations and/or account configurations. A request for verifying a user interface software workflow is received from a device. The request can specify particular parameters and content to see if that content appeared correctly when presented to users. Session data associated with one or more real-world user interaction sessions between user devices and a service provider server is obtained. The session data is used to generate data representing how one or more user interface elements are rendered on one or more user devices during the one or more real-world user interaction sessions. The data is comparable against benchmark data to determine if content was correctly presented. Reporting data can be made available that indicates if the user interface workflows are operating correctly.
    Type: Grant
    Filed: December 6, 2022
    Date of Patent: June 18, 2024
    Assignee: PayPal, Inc.
    Inventor: Dieter Davis
  • Patent number: 12014358
    Abstract: There are provided systems and methods for automatic data pull requests using a secure communication link between online resources. An account may be used to electronically process transactions by a user, which may include use of a digital wallet that may store payment instruments used for transaction processing. The user may access an online platform for a service provider that provides a service to the user and bills the user for the service. The online platform may provide transaction processing services for the user's bills. The user may request a secure communication link be established between the service provider's billing platform and the user's digital wallet so that when billing data is available on the billing platform, the data may be pulled by the digital wallet from the platform and loaded to the user's digital wallet for processing.
    Type: Grant
    Filed: March 21, 2022
    Date of Patent: June 18, 2024
    Assignee: PAYPAL, INC.
    Inventor: Raja Ashok Bolla
  • Patent number: 12014209
    Abstract: There are provided systems and methods for automated generation of conversational workflows for automation chatbots. A service provider, such as an electronic transaction processor for digital transactions, may provide self-service channels for assistance through chatbot and other automated computing processes. In order to facilitate deployment of new automated skills, a conversational workflow generator may be provided to internal users of the service provider that allows for automated construction of conversational workflows. The generator may process input REST endpoints, request and response parameters, and workflow diagram to generate Java classes and code. The generator may then connect to a conversational AI platform using the code, which may generate the conversational workflow through dialog and a dialog tree that is mapped to the workflow diagram. The conversational workflow may then be implemented in a chatbot to provide automated services through conversational dialog.
    Type: Grant
    Filed: March 23, 2021
    Date of Patent: June 18, 2024
    Assignee: PAYPAL, INC.
    Inventors: Amit Pandey, Suraj Ravikiran Powar, Deepak Raman, Vinaykanth Manthena
  • Patent number: 12008567
    Abstract: Methods and systems are presented for analyzing transactions conducted through user accounts with an online service provider based on graph analysis. A graph is generated based on a set of seed accounts that are determined to be involved in suspicious activities. The graph includes a set of seed nodes representing the seed accounts, and a set of nodes representing user accounts that are connected to the set of seed accounts in downstream transactions. A random walk traversal based on multiple dimensions is performed on the graph to determine nodes that are closely related to the set of seed nodes. Transactions conducted through the seed accounts and accounts corresponding to nodes that are closely related to the set of seed nodes are analyzed to detect any malicious activities. The graph may also be presented according to a layered hierarchical structure for better visualization of transaction flows through the accounts.
    Type: Grant
    Filed: February 7, 2022
    Date of Patent: June 11, 2024
    Assignee: PayPal, Inc.
    Inventors: Jia Shi, Lin Zhu, Jie Huang
  • Patent number: 12008009
    Abstract: Systems and methods for pre-computing and memoizing simulations are disclosed. In an embodiment, a computer system may retrieve processing filters for running a simulation. The computer system may generate a simulation query based on the simulation filters and hash the simulation query. The computer system may determine whether a simulation result corresponding to the hashed simulation query has been pre-computed and stored. If the simulation result has been pre-computed and stored, the computer system may provide the simulation result in a user interface. If the simulation has not been pre-computed, the computer system may run a simulation and store the simulation results with a mapping to the hashed simulation query. If an identical simulation query is requested, the computer system may match a hash of the simulation query to a stored hash and provide the memoized simulation result without recomputing the simulation result, so simulation processing times can be reduced.
    Type: Grant
    Filed: November 1, 2021
    Date of Patent: June 11, 2024
    Assignee: PAYPAL, INC.
    Inventors: Chirag Vaya, Zhiyuan Li, Mohmed Hussain Allabakas
  • Patent number: 12002066
    Abstract: There are provided systems and methods for monitoring device application usage for completion of checkout data processing. A computing device may be utilized to perform one or more actions while utilizing an application executable by the device, including a browser application or merchant application that allows a user to view an online marketplace and purchase items in a transaction. Prior to checkout and transaction processing, the device may be used to browse items, and items may be added to a shopping cart. However, the device may not finish electronic transaction processing for the items, for example, where the device does not enter transaction processing details and/or navigates away from the items or cart. A service provider may utilize past actions to determine whether the action indicates that the device is abandoning use of the application, including electronic transaction processing. If so, an incentive may be provided to continue use.
    Type: Grant
    Filed: October 3, 2022
    Date of Patent: June 4, 2024
    Assignee: PAYPAL, INC.
    Inventor: Braden Christopher Ericson
  • Patent number: 12002031
    Abstract: Embodiments relate to transactions using image based MMS solutions over a communication device. In an embodiment, a method includes receiving, by a payment provider server, from a buyer device, transaction information associated with a transaction between a buyer and a seller; wherein the seller provides a seller payment provider messaging endpoint identifier to the buyer along with the transaction information for use in processing the transaction. The method also includes transmitting, by the payment provider server, to the buyer device, message content comprising an image displayed on a user interface of the buyer device, the image comprising payment instrument information for use in connection with the transaction, wherein the buyer communicates information included in the message content to the seller payment provider messaging endpoint identifier.
    Type: Grant
    Filed: November 10, 2020
    Date of Patent: June 4, 2024
    Assignee: PAYPAL, INC.
    Inventor: Eduardo Alfonso Batlle
  • Patent number: 12001318
    Abstract: Systems, methods, and computer program products for testing new software are provided. Multiple payloads that correspond to scenarios in a production computing environment are identified. From the multiple payloads unique payloads are identified. User data that corresponds to the unique payloads is created. A first testing environment conducts a test using software components in the production environment, the unique payloads, and the user data to generate expected results. A second testing environment conducts a test using new software that replaces at least one of the software components in the production environment, the unique payloads, and the user data, to generate actual results. The one or more attributes in the expected results are compared to the one or more attributes in the actual results to determine if the new software causes an error.
    Type: Grant
    Filed: December 31, 2018
    Date of Patent: June 4, 2024
    Assignee: PayPal, Inc.
    Inventors: Prasanth Kuricheti, Jogendar Singh, Rajesh Kumar, Xinran Fang, Naresh Kumar Paturi, Durjay Kumar Mishra, Anil Kumar Kandru, Venkata Siva Sai Manepalli
  • Patent number: 11994964
    Abstract: There are provided systems and methods for dynamic node insertion of secondary services for high-availability during main decision failure at runtime. 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 main decision service may normally be used for data processing and decision-making. However, at certain times, the main decision service may fail, such as if a data processing node fails to process data or times out while processing a data processing request, such as during electronic transaction processing. During this runtime, a dynamic injection processor may dynamically inject a node that performs a call to a secondary service to process the data on behalf of the node and/or main decision service so that a response is provided to the data processing request.
    Type: Grant
    Filed: June 30, 2021
    Date of Patent: May 28, 2024
    Assignee: PAYPAL, INC.
    Inventors: Prabin Patodia, Sumit Kumar
  • Patent number: 11995290
    Abstract: A search engine determines a number of pages to present to a user based on one or more of a variety of factors. The search engine may send the search results to a client machine, which may present a subset of the results along with a pagination control in a scrollable interface. The pagination control may present the number of pages determined by the search engine. The search engine may also determine a number of search results to present prior to the presentation of non-scrollable user interface (UI) elements based on the same or different factors. After the amount of scrolling exceeds a threshold, a non-scrollable UI element may be displayed. Additional thresholds may exist, such that additional non-scrollable UI elements are added as the user continues to scroll.
    Type: Grant
    Filed: November 30, 2021
    Date of Patent: May 28, 2024
    Assignee: PayPal, Inc.
    Inventors: Manas Haribhai Somaiya, Rabi Chakraborty, Nirveek De, Akshata Baliga, Sudeep Dasgupta, Meenal Varshney, Dennis Marshall, Ganesh Gopalakrishnan
  • Patent number: 11995628
    Abstract: There are provided systems and methods for a physical stand for multiple device orientations and peripheral card reader. A device stand may include a dock that allows for placement and securing of a computing device within the device case, such as through a locking or connecting mechanism. The device dock further includes a peripheral component, such as a physical card reader, that allows for reading and entry of card data into the computing device for use with an electronic transaction processing application on the computing device. This allows the computing device to process transactions electronic with an online service provider. Further, the device stand includes a hinge or joint that allows for rotating and inverting of the computing device over a curved extension from a base of the device stand, which allows the computing device to be viewed in multiple directions and orientations.
    Type: Grant
    Filed: February 13, 2023
    Date of Patent: May 28, 2024
    Assignee: PAYPAL, INC.
    Inventors: Guhan Senguttuvan, Satish Govindarajan, Carlos Manuel Rivas, Anantharaj Uruthiralingam
  • Patent number: 11989768
    Abstract: There are provided systems and methods for dynamically rendered interface elements during online chat sessions. A user may engage in online communications with another user, such as a communication session between a customer and a customer representative or agent of a merchant. During this communication session, the agent may navigate to particular data on the agent's device, which may be desirable to provide to the customer. For example, the agent may view a particular item of interest to the customer. An application programming interface of the merchant may detect one or more actions or calls associated with this data and may dynamically provide an interface element to transmit data displayed on the agent's device to the customer's device during the communication session. The customer may view a dynamically rendered interface element that allows for processing data during the communication session with the agent.
    Type: Grant
    Filed: August 22, 2022
    Date of Patent: May 21, 2024
    Assignee: PAYPAL, INC.
    Inventors: Berry Belcher, Ragunath Jayabalakrishnan, Vamsikrishna Sanisetty
  • Patent number: 11989717
    Abstract: There are provided systems and methods for automated data tokenization through networked sensors. A network of data sensors may detect that a user is likely to engage in electronic transaction processing with a merchant device, for example, based on an action performed by the user and/or with a user device. One or more of the sensors may connect with the user's device and retrieve financial data from the device and/or data necessary to issue a token to the device for transaction processing. The sensor may perform a background process to issue the token to the device, and once onboarded, may store the token to the user's device and/or the merchant device that the user is likely to interact with for transaction processing. The token may be limited in use by location and/or amount, or may be used to fully onboard the user with the token service provider.
    Type: Grant
    Filed: November 29, 2021
    Date of Patent: May 21, 2024
    Assignee: PAYPAL, INC.
    Inventor: Pankaj Sarin
  • Patent number: 11989117
    Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for creating an application lifecycle management platform for big data applications. In one embodiment the lifecycle management platform can include a multiple-layer container file that integrates multiple big-data tools/platforms. The system may create a generic template application, create a build environment for the generic template application, create a test environment for the generic template application, and run the built generic template application in the test environment prior to the user writing any new code in the generic template application. In one embodiment, the test environment includes a container management system or virtual machine that launches the big data application (which may be the generic template application before a developer edits the file) on a separate big-data server cluster.
    Type: Grant
    Filed: February 8, 2023
    Date of Patent: May 21, 2024
    Assignee: PayPal, Inc.
    Inventors: Meisam Fathi Salmi, Prabhu Kasinathan, Romit Mehta
  • Patent number: D1031837
    Type: Grant
    Filed: November 21, 2022
    Date of Patent: June 18, 2024
    Assignee: PAYPAL, INC.
    Inventors: Christopher McFall, Alexander Cortelyou Simonson, Roger Evoy