Patents Assigned to PayPal, Inc.
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Patent number: 11893114Abstract: Techniques for monitoring based on a memory layout of an application are disclosed. A memory layout may be received, obtained, and/or generated from an application executing on a computer. Based on one or more attributes of a plurality of memory regions of the memory layout a memory layout fingerprint is generated. Additionally, memory region fingerprints are generated based on the one or more attributes for respective memory regions. The memory layout fingerprint and the memory region fingerprints are compared to respective previous memory layout fingerprints and the memory region fingerprints in order to determine whether malicious code and/or application drifting has occurred.Type: GrantFiled: March 31, 2022Date of Patent: February 6, 2024Assignee: PayPal, Inc.Inventor: Shlomi Boutnaru
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Patent number: 11893374Abstract: Methods and systems are presented for providing low latency dynamic content updates to applications, by separating presentable content from the programming logic of an application. The programming code associated with the application without at least a portion of the presentable content may be released to an application hosting server for distributing to end-users. The presentable content may be published to a content delivery network separate from the application hosting server. Once the application is downloaded to a user device, the application may retrieve the presentable content from the content delivery network. The application may incorporate the retrieved presentable content into the application such that the presentable content would be presented on the user device as intended when the application is accessed.Type: GrantFiled: December 29, 2021Date of Patent: February 6, 2024Assignee: PayPal, Inc.Inventor: Sumit Ranjan
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Patent number: 11888756Abstract: A load balancer receives a sequence of requests for computing service and distributes the requests for computing service to a computing node in an ordered list of computing nodes until the computing node reaches its maximum allowable compute capability. Responsive to an indication that the computing node has reached its maximum allowable compute capability, the load balancer distributes subsequent requests for computing service to another computing node in the ordered list. If the computing node is the last computing node in the ordered list, the load balancer distributes a subsequent request for computing service to a computing node other than one of the computing nodes in the ordered list of computing nodes. If the computing node is not the last computing node in the ordered list, the load balancer distributes a subsequent request for computing service to another computing node in the ordered list of computing nodes.Type: GrantFiled: June 8, 2021Date of Patent: January 30, 2024Assignee: PayPal, Inc.Inventors: Rema Hariharan, Sathyamangalam Ramaswamy Venkatramanan, Ashok Srinivasa Murthy, Rami El-Charif
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Patent number: 11887148Abstract: There are provided systems and methods for cross-platform tracking of user generated data for unified data output. A computing device may be utilized to access an online platform and perform one or more processes, including viewing an online marketplace to purchase items in a transaction. The device may be used to browse items and items may be added to a digital shopping cart or other checkout process and interface. However, the device may not finish electronic transaction processing for the items and may abandon the digital cart on a first platform used by the user. When a user uses a second online platform to shop and generate another digital cart, a cross-platform process may retrieve the previously abandoned cart's data, and may generate output for display of the previous cart with the new cart in the second platform's user interface.Type: GrantFiled: June 14, 2021Date of Patent: January 30, 2024Assignee: PAYPAL, INC.Inventors: Braden Christopher Ericson, Joshua Greenwell
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Patent number: 11888991Abstract: Different communication and software protocols may be used by different blockchain networks. Cross-chain communication is provided via a software bridge configured to enable specific operations. An event request may be sent from a first blockchain network to a second blockchain network. The event request may be processed using a first protocol of the first network to provide a first output. An offer of equivalent processing provided by the second network may be verified by: processing the event request using a second protocol of the second network to provide a second output, and confirming that the second output matches the offer of equivalent processing. A processing equivalence of the event request may be established between the first network and the second network based on the first output of the event request processed using the first protocol and the second output of the event request processed using the second protocol.Type: GrantFiled: August 25, 2021Date of Patent: January 30, 2024Assignee: PAYPAL, INC.Inventors: Michael Jim Tien Chan, Oluwatomisin Olayemi Jenrola, Vladimir Bacvanski, John Lucas Timoney, Daniel Santiago Rincon Silva, Aklen Altanel, Liam Julian DiGregorio, Suryatej Gundavelli
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Patent number: 11887110Abstract: Embodiments provide systems, methods, processes, computer program code and means for using mobile devices to conduct transactions with value dispensing devices.Type: GrantFiled: July 30, 2021Date of Patent: January 30, 2024Assignee: PayPal, Inc.Inventor: Kevin Laracey
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Patent number: 11887092Abstract: Systems and methods related to point-of-sale devices are disclosed. In an embodiment, a point-of-sale system includes a base stand having a receiving interface that includes first electrical contacts. The POS system may further include a computing device having a user interface, a docking interface comprising second electrical contacts, wherein the docking interface is configured to removably dock the computing device to the receiving interface of the base stand such that the first electrical contacts of the computing device are in contact with the second electrical contacts of the base stand. The computing device may further include a card reader configured to receive and read a card when inserted into the card reader and a scanner configured to scan machine-readable codes. The computing device may be configured to extend or enable various functions of the base stand when the computing device is docked to the base stand.Type: GrantFiled: August 11, 2020Date of Patent: January 30, 2024Assignee: PAYPAL, INC.Inventors: Mario Fernando Sanchez De la Rosa, Ida Ristner
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Patent number: 11889379Abstract: A method for providing incentives based on geolocation of mobile devices. The method includes storing, by a server, data including merchant information of merchants and points of interest, and associated incentive information. The method includes determining, based on communication with user's device of a user, a first location of the mobile device. The method includes determining, based on the first location, a first subset of merchants and associated first subset of incentives. The method includes communicating merchant data, including information on the first subsets of merchants and incentives, to the mobile device. The method includes communicating to the mobile device, in response to a determination that the mobile device is inside a geofence associated with at least one of the first subset of merchants, additional information on the at least one of the first subset of merchants, the additional information comprising one or more related incentives.Type: GrantFiled: January 31, 2022Date of Patent: January 30, 2024Assignee: PayPal, Inc.Inventors: Alan Phillips, Frank Schroth, Geoffrey M. Palmer, Stefan G. Zielinski, Allen P. Smith, Colin M. Cunningham, III
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Patent number: 11887105Abstract: Systems, methods, apparatus, processes, computer program code and means for conducting transactions are described which allow a first party to a transaction to identify a second party to a transaction.Type: GrantFiled: October 29, 2021Date of Patent: January 30, 2024Assignee: PAYPAL, INC.Inventor: Kevin Laracey
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Patent number: 11886590Abstract: Systems and methods for emulator detection are disclosed. In one embodiment, a user agent string may be embedded into a first numerical data vector representation. Hardware characteristics of a client device corresponding to the user agent may be embedded into a second numerical data vector representation. Based on the first numerical data vector representation of the user agent and the second numerical data vector representation of the hardware characteristics, and their consistency, the client device may be determined to be an emulator or a non-emulator device.Type: GrantFiled: September 13, 2021Date of Patent: January 30, 2024Assignee: PAYPAL, INC.Inventors: Zhe Chen, Hewen Wang, Quan Jin Ferdinand Tang, Solomon kok how Teo, Yuzhen Zhuo, Serafin Trujillo, Mandar Ganaba Gaonkar, Omkumar Mahalingam, Kenneth Bradley Snyder
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Patent number: 11880825Abstract: A system is configured to perform operations that include receiving a purchase request to use a consumer digital wallet account of a user to pay for an item sold by a merchant, the consumer digital wallet account being included as a payment method in a merchant digital wallet account provided by the merchant to the user. The operations further include generating a single-use payment token based on a non-transactable token. Additionally, the operations include transmitting, to an existing card payment network, a card transaction message that includes the single-use payment token, the single-use payment token causing the existing card payment network to route the card transaction message back to the system. The operations also include causing payment to be remitted from the user to the merchant using a payment method included in the consumer digital wallet account.Type: GrantFiled: September 30, 2021Date of Patent: January 23, 2024Assignee: PAYPAL, INC.Inventors: Prashant Jamkhedkar, Abhijeet Arvind Ranadive, Patrick Babcock, Haoyu Xue
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Patent number: 11882240Abstract: Systems and methods for predictive cross-platform customer service include receiving first data about a service provider system that includes a plurality of customer service platforms. First user interaction rules are determined based on the first data received. A first condition is then determined to exist in the service provider system based on the first data and the first user interaction rules. First instructions for the service provider system are then determined based on the first condition to achieve a customized user response. The first instructions are provided for the service provider system such that the plurality of customer service platforms has access to the first instructions. Second data of a user interaction with at least one customer service platform is received when the first instructions have been executed. The first instructions are updated to second instructions based on the second data received.Type: GrantFiled: October 12, 2020Date of Patent: January 23, 2024Assignee: PayPal, Inc.Inventor: Eddie Batlle
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Patent number: 11874858Abstract: Techniques are disclosed relating to processing database transactions that include application operations defined by different object relational mapping (ORM) libraries. A transaction router module executing on a computer system receives, from an application, a request for a first database transaction, where the first database transaction includes first and second application operations. The transaction router module then translates the first application operation to one or more first database operations using a first ORM library and the second application operation to one or more second database operations using a second ORM library. Then, the transaction router module determines one or more database connections for the one or more first database operations and the one or more second database operations. Such techniques may advantageously allow applications to switch between using different persistence frameworks and message broker frameworks without substantial adjustments to application code.Type: GrantFiled: September 12, 2022Date of Patent: January 16, 2024Assignee: PayPal, Inc.Inventors: Rajasudharsan Adhikesavan, Jaykumar Patel, Nikhil Sharma, Alwin Joseph
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Patent number: 11874913Abstract: Methods and systems are provided for a multi-factor authentication technique that includes inputs of a physical key possessed by the user as a factor. Such a key may be a physical object that the user possesses and that includes truly random features not easily reproducible. The key may be custom to the user and may include inclusions or anomalies that affect a signal transmitted through the key. Such effects may impart a unique effect on signals transmitted through the key, producing a unique fingerprint to identify whether the key is authentication. An input from the user may be an additional factor within the authentication process.Type: GrantFiled: October 29, 2021Date of Patent: January 16, 2024Assignee: PAYPAL, INC.Inventor: Joshua Buck Powers
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Patent number: 11875397Abstract: Image-based processing of sources of financial information for financial transactions is provided. A device is enabled to acquire one or more images including a representation of a source of financial information. The device can validate the source, independent of the financial information in a preliminary analysis. If the source is validated, one or more images are used to acquire the financial information. The financial information is then validated. If the financial information is valid, authorization of the financial transaction can be initiated.Type: GrantFiled: September 3, 2019Date of Patent: January 16, 2024Assignee: PAYPAL, INC.Inventors: Michael Mettler, Josh Bleecher Snyder
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Patent number: 11875318Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for processing a transaction. In one embodiment, a system is introduced that enables a communication between applications. The communication occurs through the use of one or more gestures that enable the request for information, funds, items for purchase and the like. In another embodiment, a system if introduced that enables a unified multi-marketplace communication. The communication includes the use of gestures for the transfer of information, funds, items for purchase, discounts, etc., using a unifying entity. The unifying entity can be a financial institution, payment provider, or the like that may be used to carry a transaction between applications allowing for a single checkout.Type: GrantFiled: November 30, 2021Date of Patent: January 16, 2024Assignee: PAYPAL, INC.Inventor: Rahul Nair
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Patent number: 11875333Abstract: A user is presented with a first display with certain parties and a second display on the same screen, where the user can drag and drop the parties on the first screen to the second screen to create a desired network flow. A service provider, such as a payment provider, builds code based on the network flow and zips it into a downloadable file. The user can then easily implement the zipped code into a mobile app that will allow a user to send data through the app using the payment provider. The zipped code uses a library of data options offered by the payment provider and allows the user to input custom variables into these options. Code is automatically generated for the user to use based on the user input.Type: GrantFiled: July 30, 2021Date of Patent: January 16, 2024Assignee: PAYPAL, INC.Inventors: Ken Reddy, Saulius Zukauskas
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Patent number: 11875201Abstract: Cached data is obtained from a device. The cached data includes data saved on the device in response to electronic searches or electronic messaging performed by a user using the device. A determination is made, at least in part via the cached data, regarding an intended use context associated with the electronic searches or the electronic messaging. Using the intended use context, a confidence level is determined. In response to the determined confidence level meeting or exceeding a predefined threshold, a transaction involving the user is automatically executed, or an electronic communication is automatically sent on behalf of the user.Type: GrantFiled: January 13, 2022Date of Patent: January 16, 2024Assignee: PAYPAL, INC.Inventor: Pankaj Sarin
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Patent number: 11875352Abstract: There are provided systems and methods for dynamic authentication through user information and intent. A user may wish to purchase an item that they view on a merchant marketplace using a computer of mobile phone. The merchant for the merchant marketplace may register the user's intent to purchase the item by receiving the user's actions while browsing the marketplace. The user may further provide user information with the merchant, such as a biometric reading, identifier, or other information. When the user then arrives at a merchant location to purchase the item and complete a transaction using a payment instrument, the merchant may process the user's intent and information to determine how confident the merchant is that the user is entitled to utilize the payment method. Such confidence rating may correspond to whether the merchant believes the transaction is fraudulent or if the user is misrepresenting their identity.Type: GrantFiled: May 11, 2021Date of Patent: January 16, 2024Assignee: PAYPAL, INC.Inventor: Sumeet Ahuja
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Patent number: 11868990Abstract: Methods and systems are presented for facilitating sharing of tokens among different funding accounts linked to a digital wallet application to improve the computer resource efficiency of the mobile device. When a first funding account is linked to the digital wallet application is received, a token management system may determine whether a set of tokens have already been issued and stored on the mobile device for another related funding account. The token management system may cause a token service provider server to abort generating additional tokens for the first funding account. Instead, the token management system may modify characteristics of one or more of the set of tokens existed on the mobile device, to enable the one or more existing tokens to be usable in electronic payment transactions in association with the first funding account or the second funding account.Type: GrantFiled: August 26, 2020Date of Patent: January 9, 2024Assignee: PayPal, Inc.Inventor: Pankaj Sarin