Patents Assigned to PayPal, Inc.
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Patent number: 11715076Abstract: There are provided systems and methods for user interfaces for account statement assignment. A user may engage in transactions over a time period, such as purchases of goods, services, or other items using a physical payment card associated with an online transaction processor. A statement may be issued at the completion of the time period, where the statement may include account information requiring a payment by the user, such as a statement balance. The user may request for another user to provide a payment for all or a portion of the balance using one or more user interfaces of a peer-to-peer payment and social networking platform. Thereafter, a request may be provided to the other user, which may request the payment. The other user may process the payment, which may be used to provide funds directly to the statement balance.Type: GrantFiled: June 30, 2020Date of Patent: August 1, 2023Assignee: PAYPAL, INC.Inventors: Shilpa Dhar, Jason Brightman, Alexander C. Simonson
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Patent number: 11714997Abstract: Users interact with a computer system, which collects data about individual interactions the users have had with the computer system. The users are sorted into one of a first group or a second group. The computer system generates respective user sequence models for the users using information representing the individual interactions. The computer system analyzes the respective user sequence models using a recurrent neural network with an attention mechanism, which produces respective vectors corresponding to the user sequence models. Individual values in the vectors represent respective individual interactions by a given user and correspond to an amount of correlation between the respective individual interactions and the sorting of the given user into the first group or the second group. The computer system identifies a particular type of interaction that is correlated to users being sorted into the first group by analyzing the respective vectors.Type: GrantFiled: March 17, 2021Date of Patent: August 1, 2023Assignee: PayPal, Inc.Inventors: Moein Saleh, Chiara Poletti, Shiying He, Hagar Oppenheim, Xing Ji
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Patent number: 11710055Abstract: Systems and methods for processing machine learning attributes are disclosed. An example method includes: identifying a user transaction associated with a set of transaction attributes and a first transaction status; selecting, based on a risk evaluation model, a first plurality of transaction attributes from the set of transaction attributes; modifying a first value of a first transaction attribute in the first plurality of transaction attributes to produce a first modified plurality of transaction attributes; determining, based on the risk evaluation model, that the first modified plurality of transaction attributes identify a second transaction status different from the first transaction status; and in response to the determining, identifying the first transaction attribute as a risk attribute associated with the user transaction.Type: GrantFiled: February 25, 2022Date of Patent: July 25, 2023Assignee: PayPal, Inc.Inventors: Ying Lin, Huagang Yin, Jiaqi Zhang
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Patent number: 11711406Abstract: Methods and systems are presented for providing dynamic and interactive content in an online chat session. When it is determined that an online chat session is established between two devices, an interactive chat engine may begin monitoring chat messages exchanged between the devices to derive a context for the online chat session. A particular workflow from multiple workflows may be selected and initiated for the online chat session based on the derived context. The interactive chat engine may generate a chat object for presenting dynamic and interactive content to the user related to the workflow within the online chat session. The chat object may be inserted into the chat flow of the online chat session. Once inserted the chat object may generate and subsequently modify presentations for the devices participating in the online chat session.Type: GrantFiled: July 27, 2020Date of Patent: July 25, 2023Assignee: PayPal, Inc.Inventors: Ramakrishna Rosanuru, Ragunath Jayabalakrishnan
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Patent number: 11710162Abstract: There are provided systems and methods for utilizing a vehicle to determine an identity of a user. A user may establish a vehicle as associated with the user, such as a vehicle owned by the user or used by the user. The vehicle may include a vehicle device that may be configured to establish connections with other devices using short range and network communications. In various embodiments, the other devices may be devices at merchant locations. Thus, a merchant at the merchant location may be informed about settings, preferences, and/or parameters for use of the vehicle established by the user. The merchant may receive these parameters even if another user is utilizing the vehicle, thus, establishing rules for use of the vehicle by the other user. In other embodiments, the other devices may be devices in other vehicles, allowing the users to communicate and set waypoints during trips.Type: GrantFiled: May 12, 2020Date of Patent: July 25, 2023Assignee: PAYPAL, INC.Inventors: Dennis Michael Driscoll, Michael Charles Todasco
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Patent number: 11709908Abstract: In one embodiment, a method is illustrated as including defining a set of perspective objects capable of being placed onto a modified web page, monitoring parameters of a web page, the parameters including a number of times a current object is executed on the web page, using an Artificial Intelligence (AI) algorithm to determine a perspective object with a preferred Return On Investment (ROI), and selecting the perspective object to be placed onto the modified web page.Type: GrantFiled: August 30, 2021Date of Patent: July 25, 2023Assignee: PayPal, Inc.Inventors: Eric Noel Billingsley, Raghav Gupta, Randall Scott Shoup, Neelakantan Sundaresan
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Patent number: 11709701Abstract: A method includes receiving code of an application, the code structured as a plurality of instructions in a computation graph that corresponds to operational logic of the application. The method also includes processing the code according to an iterative learning process. The iterative learning process includes determining whether to adjust an exploration rate associated with the iterative learning process based on a state of a computing environment. Additionally, the process includes executing the plurality of instructions of the computation graph according to an execution policy that indicates certain instructions to be executed in parallel. The process also includes determining an execution time for executing the plurality of instructions of the computation graph according to the execution policy and based on the execution time and the exploration rate, adjusting the execution policy to reduce the execution time in a subsequent iteration.Type: GrantFiled: December 31, 2019Date of Patent: July 25, 2023Assignee: PAYPAL, INC.Inventor: David Williams
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Patent number: 11709669Abstract: Techniques are disclosed relating to a method that includes executing, by a processor of a computer system, a particular operating system (OS) from a system memory coupled to the processor. A sideband processor of the computer system may receive, via a network, instructions for an updated version of the OS. While the processor executes the particular OS, the sideband processor may send, to a controller hub, a series of commands that cause the controller hub to store the received instructions into one or more regions of the system memory. The sideband processor may then cause the processor to switch, without rebooting, from executing the particular OS to executing the updated version of the OS.Type: GrantFiled: September 4, 2020Date of Patent: July 25, 2023Assignee: PayPal, Inc.Inventor: Abraham Hoffman
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Patent number: 11711361Abstract: There are provided systems and methods for biometric authentication during voice data transfers. A user may initiate voice communications with a service provider endpoint that provides automated services to the user through the voice or audio communications, such as an interactive voice response (IVR) system where a user may navigate menus through audio commands. The user may by required to authenticate their identity during the phone call or other voice data transfer, which may be done by entering a biometric, such as a fingerprint. The biometric may be converted to biometric feature data and provided to one or more token service providers. The token service providers may provide one or more tokens for the biometric, which may be used as the authentication token. This token may then be transmitted to the IVR system through the user's endpoint using a dialer feature of the endpoint.Type: GrantFiled: June 4, 2019Date of Patent: July 25, 2023Assignee: PAYPAL, INC.Inventor: Rahul Nair
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Patent number: 11704363Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for generating highly scalable temporal graph databases. In one embodiment, a novel architecture is presented that enables the identification of mutation or changes in graphs. For the identification a combination of graph-based modeling and journal entry is used. Events occurring are consumed and changes are ingested, transformed for use by a graph simulation system. The changes are journaled using a vertex centric temporal journaling schema.Type: GrantFiled: December 17, 2019Date of Patent: July 18, 2023Assignee: PayPal, Inc.Inventors: Rey Neo, Chun Kiat Ho, Lin Song, Kai Xie, Quin Zuo, Xin Li, Pengshan Zhang, Meng Zang, Xiaohan Yun, Karl Anton Hennig, Jun Zhang, Thomas Doran, Jerry Tso
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Patent number: 11704594Abstract: Methods, systems, and computer program products are included for providing a predicted outcome to a user interface. An exemplary method includes receiving, from a user interface, a plurality of identifiers that identify objects. At the user interface, a target success function is selected corresponding to the plurality of identifiers. The target success function is mapped to at least one attribute of one or more attributes of the objects. The at least one attribute of the objects and one or more other attributes are queried. Data values are retrieved corresponding to the queried at least one attribute and the one or more other attributes. Based on the data values, an outcome of the target success function is predicted. The predicted outcome is provided to the user interface.Type: GrantFiled: October 29, 2021Date of Patent: July 18, 2023Assignee: PayPal, Inc.Inventor: Egor Kobylkin
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Patent number: 11704524Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for generating dynamic machine readable codes. In one embodiment, a system is introduced that enables the analysis of user information for the generation of the dynamic machine readable code. In response to the analysis, using middleware on a multi-tier system, user information is embedded onto the dynamic machine readable code. The embedded user information can be captured during the transaction enabling the presentation of customized content which can be used to provide a user friendly interface for the transacting while detecting incorrect account usage. In another embodiment, in conjunction with the dynamic machine readable code, additional user and/or device features are captured during the processing of a transaction such that the combination facilitate fraudulent activity detection.Type: GrantFiled: May 17, 2021Date of Patent: July 18, 2023Assignee: PAYPAL, INC.Inventors: David Lin, Aniruddha Dhamal, Justin Meier, Sankiran Srinath
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Patent number: 11704365Abstract: Techniques are disclosed for storing an arranging data in a database. A method includes a computer system storing, in a database, data indicative of a graph data structure having a plurality of nodes connected by a plurality of edges. The method further includes the computer system determining that a number of edges connected to a first node satisfies a threshold number. In response to the determining, the computer system may store an index in an index row associated with the first node. The index identifies a first row having first and second ranges of values stored in first and second rows, respectively. The values in the first and second rows correspond to edges connected to the first node. The values in the first and second ranges are usable to indicate properties of corresponding ones of the plurality of edges.Type: GrantFiled: June 23, 2021Date of Patent: July 18, 2023Assignee: PayPal, Inc.Inventors: Xin Li, Lei Wang, Xin Chen, Pengshan Zhang, Jun Zhang, Haoran Zhang, Quin Zuo, Junsheng Tan, Ying Yue, Chao Zhang, Xiaohan Yun, Zhenyin Yang
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Patent number: 11704182Abstract: 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: August 17, 2021Date of Patent: July 18, 2023Assignee: PayPal, Inc.Inventors: Zhe Huang, Jia Mei, Xin Li, Ying Yue, Chaoyi Chen
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Patent number: 11706268Abstract: A system, computer-readable storage medium storing at least one program, and computer-implemented method for providing recommendations based on social network sharing activity. Sharing activity relating to the sharing of the content item on a social network by a first user is accessed. Consumption information related to the consumption of the content item. A correlation between the sharing activity and the consumption information is determined. A recommendation is then generated based on the correlation.Type: GrantFiled: September 12, 2022Date of Patent: July 18, 2023Assignee: PayPal, Inc.Inventors: Neelakantan Sundaresan, Atish Das Sarma, Si Si, Elizabeth Churchill
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Patent number: 11700267Abstract: Systems and methods for providing a threat intelligence system include a system provider device that downloads, through communication over a network and from one or more targeted websites, a plurality of images of a first environment. Based on an OCR process, the system provider device may extract a set of textual data corresponding to a subset of images of the plurality of images, where the subset of images depict text. The system provider device stores the set of textual data in an indexed and searchable database. The system provider device assigns a threat assessment score to each image based on the set of textual data, and the threat assessment score may be updated based on comparison of the set of textual data with other sets of textual data. Based on the threat assessment score being greater than a threshold value, the system provider device may generate a security alert.Type: GrantFiled: November 6, 2020Date of Patent: July 11, 2023Assignee: PayPal, Inc.Inventors: Blake Butler, Bradley Wardman, Nate Robert Pratt, Jakub Burgis, Kevin Tyers, Nicole Harris
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Patent number: 11700320Abstract: Techniques are disclosed for the sharing and transferring of user data in online network systems operating in multiple jurisdictions. The different jurisdictions may be, for example, different geo-partitions in an online network system. Various techniques are disclosed for providing cross-partition operational functionalities (e.g., cross-geo transactions) between geo-partitioned server systems through the sharing and transferring of data between the geo-partitions. The geo-partitions may have established permissions for data that can be shared between the geo-partitions. A server system in one geo-partition may generate an auxiliary account from a subset of data shared across the geo-partitions that complies with the data permissions. Complying with the established data permissions may inhibit overlapping between the different laws or regulations of the geo-partitions.Type: GrantFiled: June 30, 2021Date of Patent: July 11, 2023Assignee: PayPal, Inc.Inventors: Christopher McGraw, Mohammed Saleem Shafi, Norihiro Edwin Aoki
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Patent number: 11699150Abstract: Methods and systems for facilitating a two-way user accounts onboarding and linking across multiple service providers are presented. Upon logging in a user device to a first user account of a first service provider, a first user interface associated with the first service provider is provided on the user device. Through the first user interface, a user of the user device may request creating a second user account with a second service provider. The first service provider may then exchange access tokens and refresh tokens with the second service provider to link the first user account with the second user account. After the linking, the first service provider may configure the first user interface to provide the user access to the second user account without requiring the user to log in to the second user account.Type: GrantFiled: July 25, 2019Date of Patent: July 11, 2023Assignee: PayPal, Inc.Inventors: Aravindan Ranganathan, Madan Ranganath, Satya Malla Venkata
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Patent number: 11699140Abstract: Techniques are disclosed relating to determining whether geographic locations of a user computing device satisfy a location consensus threshold. A computer system receives results of a plurality of location determination operations, each of which specifies a geographic location of a computing device initiating an action. The computer system then makes a determination whether the received results satisfy a consensus threshold as to geographic location of the computing device. In some embodiments, the determination is usable to select, from a plurality of sets of rules for different geographic regions, a particular set of rules for processing the action. In some cases, the particular set of rules is usable to determine whether to process the action. Such techniques may advantageously allow a processing system to understand how to process actions initiated by a computing device associated with different geographic locations.Type: GrantFiled: December 31, 2019Date of Patent: July 11, 2023Assignee: PayPal, Inc.Inventors: Bradley Wardman, Nathan Pratt, Ilya Chernyakov, Yotam Perkal, Yuri Shafet
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Patent number: 11698908Abstract: There is provided systems and method for content inversion for use in user searches and product recommendations. The methods include receiving a first content, wherein the first content includes a first sentence having at least one first sentiment expression, creating a syntactic parse tree of the first sentence, identifying a first sentiment in the at least one first sentiment expression, wherein the first sentiment corresponds to a first polarity, determining a first needs expression corresponding to the first sentiment, wherein the first needs expression includes a first subject. The method may further include creating a sub-tree corresponding to the first needs expression, and grouping the content with other content having similar sub-trees.Type: GrantFiled: September 3, 2019Date of Patent: July 11, 2023Assignee: PAYPAL, INC.Inventor: Boris A. Galitsky