Patents Assigned to PayPal, Inc.
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Patent number: 11644958Abstract: A system and method for investigating trust scores. A trust score is calculated based on peer transfers, a graphical user interface displays actuatable elements associated with a first peer transfer from the peer transfers, in response to receiving an indication the first actuatable element has been actuated, recalculating the trust score without the first peer transfer.Type: GrantFiled: October 20, 2020Date of Patent: May 9, 2023Assignee: PAYPAL, INC.Inventors: Alex Grigoryan, Avinash Gangadharan, Akshay Peshave, Michael Morgan, Rhys Howell
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Patent number: 11645458Abstract: Methods and systems are presented for automatically scrubbing sensitive data from text data comprising a sequence of words based on a negative word index. The negative word index may be constructed by obtaining articles that are publicly available and extracting words and word sequences from the articles. Statistical information associated with the word and word sequences from the articles may also be determined and included in the negative word index. To scrub sensitive data from the text data, a first sub-sequence of words is identified from the text data. The first sub-sequence of words may be determined to include sensitive information or not based on statistical information associated with the first sub-sequence of words within the negative word index. If the first sub-sequence of words includes sensitive information, the first sub-sequence of words may be removed from the text data.Type: GrantFiled: October 28, 2019Date of Patent: May 9, 2023Assignee: PayPal, Inc.Inventor: David Williams
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Patent number: 11640349Abstract: A method may be performed by a network server and includes: applying historical raw user data as an input to a first application running in a simulation environment; receiving activity log entries from the first application in the simulation environment; identifying a first group of the activity log entries corresponding to an error of the first application; saving an error entry in non-volatile storage media in response to identifying the first group of the activity log entries, the error entry including the first group of the activity log entries and an identification of action to be taken in response to the error of the first application; and causing a monitoring system to generate a first alert corresponding to the error entry.Type: GrantFiled: April 12, 2021Date of Patent: May 2, 2023Assignee: PAYPAL, INC.Inventors: Chun Kiat Ho, Harsha Singalreddy, Xin Wu
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Patent number: 11637863Abstract: Techniques are disclosed relating to generating trained machine learning modules to identify whether user interfaces accessed by a computing device match user interfaces associated with a set of Internet domain names. A server computer system receives a set of Internet domain names and generates screenshots for user interfaces associated with the set of Internet domain names. The server computer system then trains machine learning modules that are customized for the set of Internet domain names using the screenshots. The server then transmits the machine learning modules to the computing device, where the machine learning modules are usable by an application executing on the computing device to identify whether a user interface accessed by the device matches a user interface associated with the set of Internet domain names. Such techniques may advantageously allow servers to identify whether user interfaces are suspicious without introducing latency and increased page load times.Type: GrantFiled: April 3, 2020Date of Patent: April 25, 2023Assignee: PayPal, Inc.Inventors: Meethil Vijay Yadav, Eric Nunes
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Patent number: 11636486Abstract: A computer system receives a first set of information that describes a set of transactions between pairs of user accounts of a service and a second set of information that specifies attribute values for user accounts of the service that are recipient user accounts within the set of transactions. Using the first set of information and the second set of information, the computer system generates an augmented graph model of the transactions and attribute values. By applying modularity maximization to the augmented graph model, the computer system determines a plurality of subsets of recipient user accounts.Type: GrantFiled: June 13, 2019Date of Patent: April 25, 2023Assignee: PayPal, Inc.Inventor: Zhe Chen
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Patent number: 11636396Abstract: Systems, computer-implemented methods, apparatus, and/or computer program products that facilitate implementation of child tokens for improved transaction data storage and/or implementation of reduced transaction information payloads for quicker computerized payment processing are provided. In various embodiments, a system can comprise a scanner component that can scan a financial instrument during a current transaction, thereby extracting financial instrument data associated with the current transaction. In various instances, the system can further comprise a logging component, that can identify in an electronic transaction log a first data entry that corresponds to a previous transaction. In various cases, the first data entry can list previous financial instrument data associated with the previous transaction, and the previous financial instrument data can match the current financial instrument data.Type: GrantFiled: August 21, 2020Date of Patent: April 25, 2023Assignee: PayPal, Inc.Inventor: Pankaj Sarin
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Patent number: 11636461Abstract: A secure arrangement for performing secure contactless payments includes an external contactless card reader comprising a short-distance communication antenna. The secure arrangement comprises a card reader terminal comprising a secure controller configured for performing financial transactions, wherein the secure controller is located in a secure area within the card reader terminal, an external contactless card reader comprising a short-distance communication antenna configured for converting an electromagnetic signal comprising card data, received from a contactless payment card, into an analogue signal and a feed line configured for transferring the analogue signal between the external contactless card reader and the card reader terminal. The secure area in the card reader terminal comprises an A/D converter for digitizing the analogue signal to a digital signal that can be processed by the secure controller, within the secure area.Type: GrantFiled: January 27, 2017Date of Patent: April 25, 2023Assignee: PayPal, Inc.Inventor: Daniel Bernholc
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Patent number: 11636517Abstract: There are provided systems and methods for a communication device interface for merchant check-in and shopping notifications. A user may enter shopping preferences to a module of a communication device in order to receive notifications and alerts when items matching the shopping preferences are available with one or more merchants. A service provider may receive the shopping preferences with user attributes, such as a user location and/or account balance. The attributes may be determined using applications and/or modules of the communication device or through a check-in by the user at a location. The service provider may determine shopping notifications having purchase offers for the items from available merchants. The purchase offers may include offers to sell the items and discounts for the items. The shopping notifications may be displayed to the user using a user device interface, such as cells within an application or mobile device home screen.Type: GrantFiled: June 21, 2021Date of Patent: April 25, 2023Assignee: PAYPAL, INC.Inventor: Hyunju Lee
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Patent number: 11632244Abstract: A system and method for digitally signing data. A method includes generating, by a first device, at least one first secret share based on a secret key chosen by the first device, wherein the first device is offline with respect to a second device; partially signing data by the first device using the at least one secret share, wherein the data is received from the second device without establishing direct communications between the first device and the second device; and sending the partially signed data from the first device to the second device, wherein the second device generates signed data using the partially signed data, wherein the signed data corresponds to a public key generated based on the at least one first secret share and at least one second secret share generated by the second device.Type: GrantFiled: September 14, 2020Date of Patent: April 18, 2023Assignee: PAYPAL, INC.Inventors: Dan Yadlin, Ben Riva, Alon Navon, Lev Pachmanov, Jonathan Katz
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Patent number: 11630887Abstract: Methods and systems for using a challenge-response problem to deter malicious clients are described. A denial of a first login request for logging into an account by a computing device is detected. A second login request for logging into the account is received from the computing device. A reputation score for the second login request is determined based on the denial of the first login request. A number of terms for a challenge-response problem is set based on the determined reputation score. The challenge-response problem is configured to use the set number of terms and sent to the computing device. The second login request is authorized in response to verifying a second login credential and a solution to the challenge-response problem received from the computing device.Type: GrantFiled: December 21, 2020Date of Patent: April 18, 2023Assignee: PayPal, Inc.Inventor: John Franco
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Patent number: 11625740Abstract: Systems and methods for providing campaign driven offer distribution include receiving, from a service provider device associated with a service provider, first campaign information for a first campaign. A first offer that has been configured to be irredeemable by the first customer and that includes a first offer condition associated with the first campaign information that must be satisfied to reconfigure the first offer to be redeemable by the first customer is provided for display on a first customer device. A notification indicating the first offer condition has been satisfied is received. In response to receiving the notification indicating the first offer condition has been satisfied, the first offer is reconfigured to be redeemable by the first customer. A notification indicating a status change with the first offer that causes the first offer to be displayed on the first customer device is communicated to the first customer device.Type: GrantFiled: January 4, 2021Date of Patent: April 11, 2023Assignee: PAYPAL, INC.Inventors: Alexander Berger, Manas Garg
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Patent number: 11627455Abstract: Various systems, mediums, and methods may involve a provider application configured to access a user account associated with a provider server. For example, a system may perform operations to identify one or more other applications installed on the mobile device that may be configured to communicate with the provider server. The system may determine data required by the other applications to perform one or more data transfers with the user account. The system may cause the provider application to send the data required to the other applications. As such, the other applications may be enabled to perform one or more data transfers with the user account based on the data sent to the other applications.Type: GrantFiled: May 3, 2021Date of Patent: April 11, 2023Assignee: PAYPAL, INC.Inventors: Kevin Ward, Vijeyta Aggarwal, Larry Lingjer Wang, Mayank Chaudhary, Nischitha Thimmappa Gowda Sundaramma
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Patent number: 11625368Abstract: Methods and systems are presented for facilitating a data migration process between two data centers in an automated and secured manner. Based on detection of an event, a migration server initiates a data migration process for migrating data from a source data center to a destination data center. The migration server transmits instructions to a first migration application of the source data center, which causes the first migration application to retrieve the data, encrypt the data within an attested enclave of the source data center, and transfer the encrypted data to a pipeline. The migration server also transmits instructions to a second migration application of the destination data center, which causes the second migration application to retrieve the encrypted data from the pipeline, decrypt the encrypted data in an attested enclave of the destination data center, and store the decrypted data in a data storage of the destination data center.Type: GrantFiled: October 25, 2021Date of Patent: April 11, 2023Assignee: PayPal, Inc.Inventors: Harsha Kushtagi, Shivani Bangalore, Akshay Bhaskaran
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Patent number: 11625727Abstract: A method may include operations including, receiving, at an application program interface (API) of a third party computing system, an API call related to a dispute associated with a user of an electronic device, the call being received from an electronic device to invoke a dispute resolution to the dispute. The method may include communicating, by the API in response to the API call, dispute information to dispute resolution intelligence of the third-party computing system. The method may include determining, by the dispute resolution intelligence based on the dispute information, the decision with respect to the dispute, and providing the decision to a callback interface in response to the dispute information having been received from the API. The method may additionally include communicating, by the callback interface to the electronic device identified in response to the dispute information having been received from the API, the decision to the dispute resolution.Type: GrantFiled: December 11, 2019Date of Patent: April 11, 2023Assignee: PayPal, Inc.Inventors: Savitha Ajitraj, Sarathy Rajagopalan, Manickkam Pandian, Padmini Janaki, Ramaguru Ramasubbu, Rashmi Singh Prakash, Manvendra Sharma, Siddharth Zarapkar, Simran Kaur, Donald Ross, Zoulfia Moret
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Patent number: 11625720Abstract: Methods and systems are provided for making secure financial transactions, such as purchase payments, using rich Internet applications (RIA) running an RIA runtime (also referred to as a platform or framework) on the user's smart phone or other mobile device. Embodiments differ from the usual way of re-directing a user from a third-party application and authenticating the user by providing secure in-line payments from a rich Internet application running on an RIA runtime. A system includes: a mobile device executing a rich Internet application running on an RIA runtime; a payment library communicating with the RIA runtime and a service provider, for which the payment library communicates with the service provider to authenticate the rich Internet application; and in response to authentication by the service provider, facilitates secure financial transactions via the rich Internet application.Type: GrantFiled: November 30, 2021Date of Patent: April 11, 2023Assignee: PAYPAL, INC.Inventors: Prashant Jamkhedkar, Upendra Mardikar, Mark Wenger, Mehul Asher, Victor Chau
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Patent number: 11625742Abstract: Computer systems and methods for interfacing with a third party website, comprising determining that a webpage of the third party website is being output in an interface of a web browser, and in response, generating an interface element that at least partially overlaps the webpage in the interface. The interface element includes a user-selectable graphical trigger that, when selected, causes digital codes to be automatically input into a data entry interface identified in the webpage, thereby triggering the third party website to receive each of the digital codes and to return a respective response. Based on monitoring the respective response to each of the digital codes, a particular digital code is identified that causes a greatest change in a numerical value displayed in the webpage. The particular digital code is applied to obtain a resulting numerical value that is displayed in the webpage.Type: GrantFiled: July 24, 2020Date of Patent: April 11, 2023Assignee: PAYPAL, INC.Inventors: Ryan David Hudson, George Ruan
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Patent number: 11625723Abstract: There are provided systems and methods for a machine learning-based network trained to perform risk assessment through device data. A service provider server receives device data of a user device associated with a merchant account registered with a merchant server for a merchant service, and receives, from the merchant server, a request containing a unique token identifier for initiating a risk assessment operation to generate a device assessment score for the user device, where the device assessment score indicates a level of risk between the user device and the merchant account. The service provider server selects a risk assessment engine to perform the risk assessment operation and generates the device assessment score and a narrative for the device assessment score, and sends, to the merchant server through an application programming interface, a message containing a unique device identifier for the user device, the device assessment score and the narrative.Type: GrantFiled: May 28, 2020Date of Patent: April 11, 2023Assignee: PAYPAL, INC.Inventors: Manickkam Pandian, Souradeep Sen, Ranjit K. Valasa, Suchita Shridhar Shirke, Sabarirajan Jeeva
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Patent number: 11625763Abstract: Methods and systems are presented for facilitating migration of electronic shopping carts between devices. A user generates an electronic shopping cart based on interacting with a merchant website using a first device. In response to receiving a request for transferring the electronic shopping cart, cart data associated with the electronic shopping cart is obtained. The cart data is encoded, using a selected encoding technique, into a code, which can be a phrase, an emoji string, a QR code, or an image of a face that can be transferrable to a second device. The code is presented on the first device. In response to receiving the code from the second device, the electronic shopping cart is re-generated based on the cart data extracted from the code. The electronic shopping cart is made accessible to the user via the second device.Type: GrantFiled: July 10, 2020Date of Patent: April 11, 2023Assignee: PayPal, Inc.Inventors: Greg Anthony Vannoni, Joshua Buck Powers, Aaron Whitfield Ross, Jon William Axelson, Nicolle Elise Mathews, William Richardson, Harsh Rajesh Vachhani, Atul Sanjeev Rai
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Patent number: 11621827Abstract: Blockchain validation is provided by receiving a first validation request of a blockchain. A hashing algorithm is applied to a first block of the blockchain to generate a first hash value. In response to the first validation request of the blockchain, a first image from a plurality of images is provided on a display device. The first image is selected to be provided for display on the display device based on the first hash value. The first image may be compared to a second image that was provided for display on the display device prior to the first validation request and that image was provided based on a second hash value to determine whether the first image and the second image are substantially similar, which indicates that no changes have been made to the data in the blockchain.Type: GrantFiled: April 5, 2021Date of Patent: April 4, 2023Assignee: PAYPAL, INC.Inventor: Frank Anthony Nuzzi
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Patent number: 11620668Abstract: A computer system detects that a first user has selected an element corresponding to accessing a particular web page (e.g. such as a checkout). Based on detecting that the first user has selected an element corresponding to accessing the web page, the computer system may determine if one or more particular criteria associated with the web page have been met. Based on determining that the one or more criteria associated with the web page have been met, the computer system causes a particular web page element (e.g. a promotional payment button) to be rendered on the web page to display on a device of the first user.Type: GrantFiled: April 29, 2022Date of Patent: April 4, 2023Assignee: PAYPAL, INC.Inventor: Noam Marianne