Patents Assigned to PayPal, Inc.
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Patent number: 11922483Abstract: Methods and systems for facilitating the purchase of an item on a social networking website are described. Merchants can embed payments in buttons displayed on social networking websites to enable payments at the point of discovery, such as on Pinterest® or Facebook®. As the items associated with the buttons are shared further, the embedded payment capability follows the shared items. For example, a Pinterest® pin has the payment capability embedded within it so as the pin gets re-pinned in the Pinterest® platform, shared on blogs, shared on platforms like Facebook®, or surfaces on Google® Search, the payment capability is also available on those platforms. In some instances, open standards such as oEmbed or Open Graph are used to create the buttons with the payment capability and make creation of the buttons simpler for merchants.Type: GrantFiled: December 31, 2020Date of Patent: March 5, 2024Assignee: PAYPAL, INC.Inventors: Shilpa Dhar, Teddy Vincent Toms
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Patent number: 11924159Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for communicating with a unified messaging center using multi-channel messaging with block-based datastore. In one embodiment, a system is introduced that can provide a unified experience and capability for messaging with one or more entities across platforms. The messaging capability includes the ability to provide user interaction using a single architecture with data store in a centralized form. In one embodiment, the data store include the use of blockchain technology wherein each interaction with the user and across platforms is recorded and stored on a crystographed block.Type: GrantFiled: January 31, 2022Date of Patent: March 5, 2024Assignee: PAYPAL, INC.Inventors: Rahul Nair, Sandhiya Banu Mailai Udayakumar
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Patent number: 11922494Abstract: A method for offering at least one credit product by at least one credit issuer to a consumer at a point-of-sale between a merchant and the consumer. The method includes the steps of: providing a credit issuer data set including a plurality of data fields to a central database; initiating a transaction between the consumer and the merchant at the point-of-sale; offering, to the consumer at the point-of-sale, the at least one credit product; and presenting, to the consumer at the point-of-sale, at least one data field in the credit issuer data set. The at least one data field presented to the consumer is populated with data directed to the credit product, the credit issuer, or any combination thereof. An apparatus and system are also disclosed.Type: GrantFiled: September 30, 2021Date of Patent: March 5, 2024Assignee: PayPal, Inc.Inventor: Thomas H. Keithley
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Patent number: 11922410Abstract: Techniques are disclosed relating to facilitating secure communication of private user data between different entities for a verification process conducted during an electronic interaction between the user and a verifier entity. In disclosed embodiments, a verification service executing on a server computer system for a verification session for verifying a holder entity on behalf of a verifier entity receives a verification request from a remote computer system. The verification request includes an attestation proof generated from one or more credentials and the verification service communicates with a holder service that manages an identity storage storing credentials for the holder entity. The verification service transmits, to the verifier service, the attestation proof and then receives, from the verifier service based on the proof, verification results that are usable by the verifier to determine whether to process an action requested by the holder prior to requesting verification.Type: GrantFiled: April 22, 2022Date of Patent: March 5, 2024Assignee: PayPal, Inc.Inventors: Anita Paul Rao, Sargis Dudaklyan, Matt Wyman
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Patent number: 11922732Abstract: A liveness detection system uses a combination of interactive and silent tests to verify physical presence of a live person at a client device. The system superimposes a box on a live video of the space in front of the client device and instructs the user to move to a position that places his or her face within the box. While the user's face is within the box, the system captures a sequence of frames from the video while an amount of illumination cast on the user's face is switched between bright and dark levels according to a random, semi-random, or predefined flash sequence. The system analyzes the resulting sequence of frames to confirm that the user's head pose is consistent with the location of the box, and that changes in brightness of the image of the user's face across the captured frames are consistent with the flash sequence.Type: GrantFiled: December 15, 2021Date of Patent: March 5, 2024Assignee: PayPal, Inc.Inventors: Jiyi Zhang, Quan Jin Ferdinand Tang
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Patent number: 11924063Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for obtaining real-time estimates. In one embodiment, a novel customizable, transferable system architecture is presented that enables the characterization of a task, designated for time estimate, into steps or processes. The characterization may occur using the novel architecture which introduces an estimates service module that can provide an initial timing estimate by obtaining a composite time estimate of all steps. Timing of each of the steps can be predicted using a job scheduling enterprise designed to model the job or step. In another embodiment, delays are captured by time estimate monitors which can provide the alerts and delta time differences. Such alerts and time differences can be updated and presented to the user.Type: GrantFiled: February 13, 2023Date of Patent: March 5, 2024Assignee: PAYPAL, INC.Inventors: Joshua Allen, Joshua Van Blake, Archana Murali
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Patent number: 11914626Abstract: Techniques are disclosed relating to implementing a machine learning approach to cross-language translation and search. In certain embodiments, a method may include receiving a plurality of characters of a first language that are unsegmented and grouping the plurality of character into multiple groups. The method also includes determining a set of word tokens based on one or more transliterations of the multiple groups and one or more translations of the multiple groups to a second language. Further, the method includes generating one or more word token solution sets by querying an index file using the one or more word tokens. The method also includes determining whether the index file references an entity name corresponding to the plurality of characters of the first language based on comparing the one or more token solution sets with the index file.Type: GrantFiled: March 22, 2021Date of Patent: February 27, 2024Assignee: PAYPAL, INC.Inventors: Rushik Upadhyay, Dhamodharan Lakshmipathy, Nandhini Ramesh, Aditya Kaulagi
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Patent number: 11915269Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for tokenizing offers. The current disclosure presents a system and method that can present a tokenized offer for saving and retrieving from a digital wallet. The tokenized offer may be presented on a client site for selection by a user interested in taking advantage of the promotion without having to leave the current site. The current disclosure also presents a system that can retrieve the tokenized offer saved for use with a purchase. The tokenized offer may be automatically applied and on display at the merchant site and/or retrieved from the digital wallet.Type: GrantFiled: June 1, 2021Date of Patent: February 27, 2024Assignee: PAYPAL, INC.Inventors: Braden Christopher Ericson, Harshal Ulhas Deo
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Patent number: 11917510Abstract: One or more Bluetooth® low energy (BLE) beacons in communication with a remote server that provides check in capabilities and payment capabilities may be installed at a location. The BLE beacons may connect with a user's mobile device when the user enters the location and allow the user to check in to the location and authorize payments to be made at the location. Once the user is checked in to the location, the user may be provided with additional functionality, benefits, offers, and applications related to the location and facilitated by the check in. Further, the user may be pre-checked in into a next location when the user is at a current location.Type: GrantFiled: September 30, 2021Date of Patent: February 27, 2024Assignee: PAYPAL, INC.Inventors: Kent Griffin, John Hastings Granbery, Hill Ferguson, David Marcus, Michael Charles Todasco
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Patent number: 11915210Abstract: Systems and methods are disclosed to provide an animated 2D barcode check that is used to securely and efficiently transmit financial information between mobile devices. The financial information includes a check written by a payer and transmitted to a merchant. The check includes account information of the payer and of the merchant with a payment service provider, a payment amount, and a cryptographic signature that has been certified by the payment service provider. The payer's mobile device encodes the check into a sequence of 2D barcodes and displays the sequence of 2D barcodes in a loop that is scanned by a camera on the merchant's mobile device. The merchant uses the cryptographic signature to verify the validity of the signature on the check without having Internet connectivity to the payment service provider. The merchant may later present the check to the payment service provider to receive payment.Type: GrantFiled: January 19, 2021Date of Patent: February 27, 2024Assignee: PAYPAL, INC.Inventor: Kenneth Kang
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Patent number: 11916954Abstract: An indication is received that a first online platform has undergone/is undergoing a first electronic attack made by one or more actors engaged in online malicious actions with the first online platform. Responsive to the indication of the first electronic attack, one or more vulnerability characteristics of the first online platform are determined, where the vulnerability characteristics are associated with the first electronic attack. A plurality of other online platforms are analyzed to identify a second online platform that shares at least one of the vulnerability characteristics with the first online platform. Based on the determining and/or the analyzing, the second online platform is predicted to be a potential target for a second electronic attack having an attack vector in common with the first electronic attack that corresponds to the shared vulnerability characteristics. An action is performed to mitigate potential damage of the second electronic attack.Type: GrantFiled: November 16, 2021Date of Patent: February 27, 2024Assignee: PAYPAL, INC.Inventors: Yuri Shafet, Bradley Wardman, Ilya Chernyakov
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Patent number: 11913799Abstract: There are provided systems and methods for load balancing for map application route selection and output. A user may utilize a device application to map or route between two or more endpoints, such as geo-locations entered or detected by the device. During calculation of a travel route between the endpoints, real-time data, user preferences, and requesting entities may provide criteria data that may cause determination of a particular travel route, where the travel route may be longer than a most efficient route but within a pre-defined variable time or distance allotment and match the criteria data. Use of the route may accrue a form of compensation for the user. The user may view an application interface displaying the route, which may further include one or more executable processes to cause recalculation of the route. Recalculation of the route may require the user to provide credits or compensation.Type: GrantFiled: July 18, 2022Date of Patent: February 27, 2024Assignee: PayPal, Inc.Inventors: Michael Charles Todasco, Gautam Madaan, Timothy Resudek, Braden Christopher Ericson, Cheng Tian, Jiri Medlen
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Patent number: 11915240Abstract: A payment button on a device, such as a mobile phone, allows the user to remain on the window or page from which an item was selected for purchase. When the user is ready to purchases, the button is selected, and the user simply enters an identifier, such as a password or PIN, and the transaction is processed. The button remains on the same screen and changes during different stages of the payment process.Type: GrantFiled: October 25, 2021Date of Patent: February 27, 2024Assignee: PAYPAL, INC.Inventor: Carl Stone
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Patent number: 11914630Abstract: Software architectures relating to machine learning (e.g., relating to classifying sequential text data. Unlabeled sequential text data may be produced by a variety of sources such as text messages, email messages, message chats, social media applications, and web pages. Classifying such data may be difficult due to the freeform and unlabeled nature of text data from these sources. Thus, techniques for training a machine learning algorithm to classify unlabeled text data in freeform format. Training is based on generation of labelling functions from lexical databases, applying the labelling functions to unlabeled text data in an unsupervised manner, and generating trained classifiers that accurately classify the unlabeled text data. The trained classifiers may then be implemented classify text data accessed from the variety of sources. The present techniques provide high-quality and efficient labeling of unlabeled text data in freeform formats.Type: GrantFiled: September 30, 2021Date of Patent: February 27, 2024Assignee: PayPal, Inc.Inventors: Yang Wu, Jiadi Xiong, Yaqin Yang, Dinesh Kumar
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Patent number: 11909749Abstract: A risk analysis system configures the decision engine to detect anomalous online activities by analyzing usage patterns associated with one or more user accounts across multiple frequencies. The risk analysis system obtains transaction log data representing transactions associated with one or more accounts, and extracts data from the transaction log data to generate time-series data along a time dimension. The time-series data may represent usage characteristics of one or more user accounts over a period of time. The risk analysis system derives pattern data representing usage patterns across multiple different frequencies based on the time-series data. The risk analysis system then configures the decision engine to detect anomalous account activities based on the derived pattern data.Type: GrantFiled: March 29, 2021Date of Patent: February 20, 2024Assignee: PayPal, Inc.Inventors: Zhen Xie, Kasra Vakilinia, Yang Chen, Hagar Oppenheim, Xing Ji
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Patent number: 11907921Abstract: The systems and methods that generate a one-touch frame are provided. A line of code including a tag is inserted into a webpage. The tag includes a link to a server from which parameters for the frame are obtained. The browser uses the parameters to generate the frame. In addition, the server or a local memory of a computing device on which the frame is generated also store credentials associated with a user account. These credentials are also obtained and incorporated into the frame. The frame may then be activated to perform one-touch functions using the credentials.Type: GrantFiled: February 10, 2023Date of Patent: February 20, 2024Assignee: PayPal, Inc.Inventors: Parker Kuncl, Daniel Brain, Anurag Sinha, Miriam Ferhut
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Patent number: 11909866Abstract: Methods and systems are presented for providing a multi-party computation (MPC) framework for dynamically configuring, deploying, and utilizing an MPC system for performing distributed computations. Based on device attributes and network attributes associated with computer nodes that are available to be part of the MPC system, a configuration for the MPC system is determined. The configuration may specify a total number of computer nodes within the MPC system, a minimum number of computer nodes required to participate in performing a computation process, a key distribution mechanism, and a computation processing mechanism. Encryption keys are generated and distributed among the computer nodes based on the key distribution mechanism. Upon receiving a request for performing the computation, updated network attributes are obtained.Type: GrantFiled: August 27, 2021Date of Patent: February 20, 2024Assignee: PayPal, Inc.Inventors: Hubert Andre Le Van Gong, Khai Hanh Tang, Shanshan Hua
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Patent number: 11907979Abstract: Methods and systems are presented for enhancing a merchant product webpage by providing additional content associated with a product being displayed on the merchant product webpage. A product catalog stores product records corresponding to data associated with different products. As a webpage is accessed by a user device, data is extracted from the merchant product webpage. The extracted data is used to identify one or more product records in the product catalog that are potential matches to the webpage. When multiple product records are identified, a remote server is used to access and interact with the webpage separate from the user device. Additional data is extracted from the webpage based on interactions by the remote server with the webpage. The additional data is used to determine a single product record for the webpage. The webpage is modified based on the single product record.Type: GrantFiled: December 27, 2021Date of Patent: February 20, 2024Assignee: PayPal, Inc.Inventors: Michael Brawer, David Phillips, Anthony Le, Kaan Erdener
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Patent number: 11907867Abstract: Pure machine learning classification approaches can result in a “black box” solution where it is impossible to understand why a classifier reached a decision. This disclosure describes generating new classification rules leveraging machine learning techniques. New rules may have to meet evaluation criteria. Legibility of those rules can be improved for understanding. A machine learning classifier can be created that is used to identify possible candidate classification rules (e.g. from a group of decision trees such as a random forest classifier). Classification rules generated with the assistance of machine learning may allow for identification of transaction fraud or other classifications that a human analyst would be unable to identify. A selection process can identify which possible candidate rules are effective. The legibility of those rules can then be improved so that they can be more easily understood by humans.Type: GrantFiled: September 9, 2019Date of Patent: February 20, 2024Assignee: PAYPAL, INC.Inventors: Ravi Sandepudi, Ayaz Ahmad, Charles Poli, Samira Golsefid
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Patent number: 11907954Abstract: Techniques are disclosed in which a computer system generates a transaction network graph from an initial set of transactions including known labels and attributes. The computer system may generate first and second matrices using first and second graph embedding routines from a training set of transactions that includes a first subset of transactions in the network graph. The first routine is based on anomalies in related transactions occurring at nodes in the transaction network graph that are multiple hops away while the second routine is based on anomalies in neighborhoods of similar transactions. In some embodiments, the computer system generates a final embedded matrix from the first and second matrices and uses the final matrix and a testing set of transactions that includes a second subset of transactions in the graph to train a machine learning model, where the trained model usable to determine whether unlabeled transactions are anomalous.Type: GrantFiled: April 26, 2021Date of Patent: February 20, 2024Assignee: PayPal, Inc.Inventor: Hewen Wang