Patents Assigned to PayPal, Inc.
  • Patent number: 11531946
    Abstract: This specification includes machine learning model stacking techniques allowing for greater predictive accuracy using disparate sources of data. In one embodiment, a system obtains TPV data and inputs the TPV data into a forecasting model. Based on the total payment volume data, the forecasting model may output a first prediction of a total payment volume for a future period of time. The system may acquire prediction enhancing data and input the first prediction from the forecasting model and the acquired prediction enhancing data into a machine learning model. Based on the first prediction and the acquired prediction enhancing data, the machine learning model may output a second prediction of the total payment volume for the future period of time. The second prediction may be compared against real-time TPV and determined differences may be used for controlling operations of various machines system/network environment machines.
    Type: Grant
    Filed: June 30, 2020
    Date of Patent: December 20, 2022
    Assignee: PAYPAL, INC.
    Inventors: Yifan Liu, Sree R. Velaga, Greg Anthony Vannoni, Haiou Wang
  • Patent number: 11532008
    Abstract: Systems and methods for interfacing with a third-party website. In one embodiment, a computer system is configured to directly interface with a website via a webpage to change certain numerical values through the use of digital codes. The digital codes are applied to a data entry interface on the webpage, and the responses are monitored and transmitted back to a server system.
    Type: Grant
    Filed: August 26, 2020
    Date of Patent: December 20, 2022
    Assignee: PAYPAL, INC.
    Inventor: Ryan David Hudson
  • Patent number: 11533287
    Abstract: A mid-tier messaging system receives a request to initiate a communication session via a first messaging channel that includes a first messaging interface of a first messaging application provided at a user device and a first message provider of a plurality of message providers. The mid-tier messaging system establishes a first session that is mapped to the communication session. The mid-tier messaging system establishes the communication, using the first session, between the first messaging interface and the first message provider. The mid-tier messaging system provides, through the first session, first message communications between the first message provider and the first messaging interface. The mid-tier messaging system seamlessly switches to a second message provider service when the first message provider service cannot service an intent of the first communication session.
    Type: Grant
    Filed: February 2, 2021
    Date of Patent: December 20, 2022
    Assignee: PayPal, Inc.
    Inventors: Rahul Nair, Swati Baradia, Liang Xi, Ramakrishna Rosanuru, Billy Henry Runyan, Linu Varghese, Koteswara Pathuri
  • Patent number: 11531916
    Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for presenting a recommendation. In one embodiment, a system is introduced that includes a plurality of models for obtaining a recommendation score. The recommendation score may be obtained using one or more models which can include supervised and unsupervised learning as well as a combination of user information and transactions. In another embodiment, the system is introduced that can provide a total recommendation score and recommendation generated by an ensemble model whose input can include the one or more recommendation scores previously obtained.
    Type: Grant
    Filed: December 7, 2018
    Date of Patent: December 20, 2022
    Assignee: PayPal, Inc.
    Inventors: Dinesh Kumar, Yuanyuan Pan, Prashant Gaurav, Fransisco Kurniadi, Kevin Ward, Yue Xin, Krishnakumar Govindarajalu, Kimberly Kidney, Tao Sun
  • Patent number: 11526486
    Abstract: Techniques are disclosed relating to determining a predicted time interval for querying a database beginning at a starting point in time to retrieve a specified number of records. A computer system receives a request for records from a database that stores timestamped records, where the request is for a specified number of records beginning at a starting point in time. The computer system then determines a predicted time interval for querying the database beginning at the starting point in time to retrieve the specified number of records, where the predicted time interval may be determined by a machine learning module that is trained using historical database transaction data. Such techniques may advantageously improve the efficiency of individual queries in fetching a desired amount of data from a database for applications.
    Type: Grant
    Filed: April 8, 2020
    Date of Patent: December 13, 2022
    Assignee: PayPal, Inc.
    Inventors: Vijayalakshmi Dharmalingam, Rushik Navinbhai Upadhyay, Suraj Belavalgidad, Nikhil Rao, Chaitanya Maddipati, Meng Shi, Venkatesan Thirunaukkarasu
  • Patent number: 11528263
    Abstract: Systems and methods for accessing credentials from a blockchain are provided. A computing device requests for a server to process a transaction. In response to the request, the server transmits a server public key to the computing device. A key generator of the computing devices uses the user private key and the server public key to generate a user public key. The user public key includes permissions to access credentials that are stored on blockchain. The server receives the user public key and generates a request for credentials to blockchain. The request includes the user public key and the server private key. The blockchain receives the request and generates an identity token. The identity token includes credentials that are specified in the user public key. The blockchain transmits the identity token to the server and the server uses the identity token to processes the transaction.
    Type: Grant
    Filed: November 30, 2020
    Date of Patent: December 13, 2022
    Assignee: PayPal, Inc.
    Inventor: Lorenz Lee Breu
  • Patent number: 11526864
    Abstract: Alternative service access with operations including determining that a system has met a plurality of criteria, including the system having a battery level below a threshold, identifying a merchant, generating an authentication token for authorizing a payment using a payment provider, and sending the authentication token to the payment provider.
    Type: Grant
    Filed: September 8, 2020
    Date of Patent: December 13, 2022
    Assignee: PAYPAL, INC.
    Inventor: Pankaj Sarin
  • Patent number: 11527268
    Abstract: According to various embodiments, a content marking command is received from a mobile device at a particular time. For example, a user selection of the content marking command may be received via a user interface displayed on the mobile device. The content marking command may indicate a user interest in a particular moment of an event viewed by the user. Moreover, the event viewed by the user and video content data corresponding to the event may be identified. Further, content marking data may be generated, whether content marking data indicates a particular portion of the identified video content data corresponding to the particular moment of the event.
    Type: Grant
    Filed: February 2, 2017
    Date of Patent: December 13, 2022
    Assignee: PayPal, Inc.
    Inventor: Matthew Scott Zises
  • Patent number: 11522911
    Abstract: Methods, systems, and computer program products for performing passive and active identity verification in association with online communications. For example, a computer-implemented method may include receiving one or more electronic messages associated with a user account, analyzing the electronic messages based on a plurality of identity verification profiles associated with the user account, generating an identity trust score associated with the electronic messages based on the analyzing, determining whether to issue a security challenge in response to the electronic messages based on the generated identity trust score, and issuing the security challenge in response to the electronic messages based on the determining.
    Type: Grant
    Filed: April 19, 2021
    Date of Patent: December 6, 2022
    Assignee: PAYPAL, INC.
    Inventors: Bradley Wardman, Jakub Ceiran Burgis, Nicole Harris, Blake Butler, Nathan Robert Pratt, Kevin James Tyers
  • Patent number: 11520618
    Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for segmentation of the processor architecture platform. In one embodiment, a system and method are introduced which enable the use of a segmented platform in an extended network. The segmented platform is introduced for processing using standardized plugins enabling the use of processing and services available at the segmented network. In another embodiment, processing on the segmented platform can include the integration of microservices for the completion of the transaction.
    Type: Grant
    Filed: December 27, 2019
    Date of Patent: December 6, 2022
    Assignee: PayPal, Inc.
    Inventors: Roman Pyasetskyy, Joshua Allen, Archana Murali, Joshua Van Blake, Gaetan Le Brun, Ernesto Alejandro Menendez Castillo, Evgeny Stukalov, Myo Ohn, Kirankumar Badi, Rashmi Prakash, Vinit Agarwal, Keith Gorman
  • Patent number: 11520932
    Abstract: Techniques are disclosed relating to methods that include receiving an indication of an access by a user to a web page that includes a beacon, and calculating a readiness score for triggering the beacon. The methods may also include determining, based on the readiness score, whether to perform a client-side or server-side triggering of the beacon. The triggering causes data associated with the access to be transmitted to a third-party computer system.
    Type: Grant
    Filed: June 25, 2020
    Date of Patent: December 6, 2022
    Assignee: PayPal, Inc.
    Inventors: Ravi Raj Singh, Sanjeev Koranga
  • Patent number: 11521210
    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: May 13, 2020
    Date of Patent: December 6, 2022
    Assignee: PayPal, Inc.
    Inventor: Dieter Davis
  • Patent number: 11521224
    Abstract: Methods, systems, and computer program products are included for categorizing and filtering content. A comment is stored in one or more data structures. The one or more data structures are modified to associate the comment with a tag and a password. The amount of comments that are associated with the tag are determined and compared with a threshold amount of comments. Based on the amount of comments exceeding the threshold, access is restricted to the comments that are associated with the tag.
    Type: Grant
    Filed: February 9, 2021
    Date of Patent: December 6, 2022
    Assignee: PayPal, Inc.
    Inventor: Saumil Gandhi
  • Patent number: 11521194
    Abstract: A client device comprises a first secure element and a second secure element. The first secure element comprises a first computer-readable medium having a payment application comprising instructions for causing the client device to initiate a financial transaction. The second secure element comprises a second computer-readable medium having a security key, a payment instrument, stored authentication data and instructions for generating a secure payment information message responsive to the payment application. The secure payment information message comprises the payment instrument and is encrypted in accordance with the security key.
    Type: Grant
    Filed: December 22, 2017
    Date of Patent: December 6, 2022
    Assignee: PAYPAL, INC.
    Inventor: Upendra Mardikar
  • Patent number: 11514447
    Abstract: Techniques are disclosed relating to transaction authorization. In some embodiments, a server computer system receives and caches browsing information for a device of a user, where the browsing information relates to a transaction service. The server computer system may then receive a request to authorize one or more transactions via the transaction service. The server computer system may evaluate the cached browsing information to determine whether the user is attempting to perform multiple concurrent transactions via the transaction service. Based on the evaluating, the server computer system may determine whether to authorize the one or more transactions. In some embodiments, the disclosed techniques may advantageously prevent or reduce authorization of duplicate transactions that are concurrently attempted by a user.
    Type: Grant
    Filed: June 26, 2020
    Date of Patent: November 29, 2022
    Assignee: PayPal, Inc.
    Inventors: Mandar Ganaba Gaonkar, Anand Sengamalai, Serafin Trujillo, Kenneth Bradley Snyder, Changching Chi
  • Patent number: 11514505
    Abstract: A peripheral device, e.g., a headphone, connected to a communication device may have controls that are configured to switch between a regular mode and a purchase mode. When in the purchase mode, the controls of the peripheral device may be configured to facilitate purchase by receiving user input related to making a purchase. The peripheral or the communication device may be configured to receive user instructions, such as a voice command, to switch between the regular mode and the purchase mode. In particular, the controls may include volume buttons configured to adjust volume in the regular mode and configured to adjust purchase price in purchase mode. The controls also may include a start/end button configured to selectively activate or end an application in the regular mode and configured to confirm or select a purchase in the purchase mode.
    Type: Grant
    Filed: June 16, 2020
    Date of Patent: November 29, 2022
    Assignee: PAYPAL, INC.
    Inventor: Saumil Ashvin Gandhi
  • Patent number: 11516872
    Abstract: Various systems, mediums, and methods may involve a bridge configured to communicate with a number of sites, such as fuel sites and/or restaurant sites. For example, a system may determine a mobile device is associated with a given fuel site, possibly located at the given fuel site, among a number of other fuel sites. Further, the system may determine one or more connections of the bridge that may be configured to communicate with a site component of the fuel site. As such, the system may transmit fuel data to the mobile device based on the one or more connections with the site component. Thus, the mobile device may display an indication of fuel available at the fuel site.
    Type: Grant
    Filed: June 7, 2017
    Date of Patent: November 29, 2022
    Assignee: PAYPAL, INC.
    Inventors: Thomas Jaeger, Douglas James Hurst, Anant Ganapathy, Luwei Zhang, Biju Balakrishnan Nair, Jan Rosen, Agampodi Thejana De Zoysa
  • Patent number: 11514476
    Abstract: Methods and systems to identify a user across multiple browsers and machines are described. In some embodiments, a web request is received at a retrieval service from a browser. The web request may include a request to access a retrieval service website of the retrieval service and may be initiated by a redirection of the browser from a requesting service to the retrieval service. A unique identifier associated with a user logged in to an account of the retrieval service may be determined. The user may be logged in to the account via the browser. A redirect request is sent from the retrieval service to the browser. The redirect may include the unique identifier and may redirect the browser from the retrieval service website to the requesting service. The unique identifier may be used by the requesting service to perform additional functionality specific to the user.
    Type: Grant
    Filed: October 13, 2020
    Date of Patent: November 29, 2022
    Assignee: PayPal, Inc.
    Inventor: Srinivasan Raman
  • Patent number: 11513777
    Abstract: One or more lines of computer code are accessed. An electronic dictionary file is retrieved in response to the accessing of the computer code. The electronic dictionary file contains definitions for a plurality of commands or terms associated with the one or more lines of computer code. Based on the definitions contained in the electronic dictionary file, the one or more lines of computer code are parsed. An output is generated based on the parsing of the computer code. The output contains information explaining the one or more lines of computer code or an intended result of an execution thereof.
    Type: Grant
    Filed: December 21, 2020
    Date of Patent: November 29, 2022
    Assignee: PAYPAL, INC.
    Inventor: Subra Munaganuru
  • Patent number: 11509497
    Abstract: Methods and systems are provided to allow for merchant or third party controlled adjustment of a physical environment around a user. Such adjustments may be in response to user actions and may create a more immersive experience for the user. Such adjustments may be determined from interaction data received from a user device, with may identify a service provider, a product, or an activity that the user is currently engaging in or is interested in. One or more secondary devices may be identified to be within an area around the user device and one or more environmental rules associated with the service provider, product, or activity may be determined and communicated to the one or more secondary devices to cause the one or more secondary devices to adjust a physical environment of the area proximate the user device.
    Type: Grant
    Filed: December 28, 2020
    Date of Patent: November 22, 2022
    Assignee: PayPal, Inc.
    Inventor: Megan Marie O'Neill