Patents Assigned to PayPal, Inc.
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Patent number: 11509685Abstract: A self-updating system for defending against a cyberattack requests connected devices to solve a problem that is created in a random manner. The problems are created in a manner such that the system can determine whether the client device is being used as part of a cyberattack based on how the client device responds to the problems.Type: GrantFiled: February 9, 2021Date of Patent: November 22, 2022Assignee: PayPal, Inc.Inventors: Kishore Jaladi, Jeffrey Alan Edelen, Sundar Amalan Vincent, Lakshmikanth Raghavan, Santhosh Jagadeesan, Hari Hara Balan Shanmugasundaram, Abhishek Chhibber, Darshan Desai, Oliver J. Reyes
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Patent number: 11508105Abstract: A method for accessing legacy devices via Augmented Reality (AR) devices. The method includes acquiring, via an AR device, an image of a keyboard of a legacy device. The method includes accessing customer commands for initiating of a transaction using the legacy device. The method includes determining a command sequence based, at least in part, on the customer commands, the command sequence mapping to a keystroke sequence to be entered using the keyboard. The method includes generating an overlay indicating a keystroke sequence corresponding to the command sequence. The method also includes displaying, via the AR device, the overlay by visually projecting the overlay over the keyboard of the legacy device.Type: GrantFiled: April 5, 2021Date of Patent: November 22, 2022Assignee: PAYPAL, INC.Inventors: Michael Charles Todasco, Braden Christopher Ericson
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Patent number: 11509691Abstract: There are provided systems and methods for protecting from directory enumeration using honeypot pages within a network directory. A service provider, such as an electronic transaction processor for digital transactions, may have an internal network that is utilized by employees, developers, and other end users within the organization of the service provider. When internal devices become compromised or internal users act maliciously, they may attempt to enumerate a directory to find hidden pages that have secret or sensitive data. The service provider may therefore detect a scan of an internal directory having files paths to files and pages and may deploy honeypot pages that change an error status. Further, the service provider may add a process or operation to log additional data on these honeypot pages and/or change a byte size of the corresponding pages to confuse the enumeration attempt and obtain true source information.Type: GrantFiled: May 15, 2020Date of Patent: November 22, 2022Assignee: PAYPAL, INC.Inventor: George Chen Kaidi
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Patent number: 11507631Abstract: Placing an event into a particular cluster can allow various inferences about the event. A new payment transaction that looks similar to a previously identified cluster of mostly fraudulent payment transactions, for example, may be higher risk. The present disclosure includes structural data improvements to the way that online clustering of events (which may include web events and not just payment transactions) occurs. A new event can be classified into a particular segment very quickly using feature table searching, which can allow for better decision making when a short timeframe is required (e.g. transaction processing, online advertising, etc.).Type: GrantFiled: December 14, 2020Date of Patent: November 22, 2022Assignee: PAYPAL, INC.Inventors: Avishay Meron, Xing Wang, Adam Cohen, Chunmao Ran, David Stein
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Patent number: 11502979Abstract: A computer system analyzes an input in a chat window of a first device, wherein the chat window corresponds to a first chat session with a user of a second device and a second chat session with a user of a third device. The computer system determines, based on the analyzing the input, whether the input corresponds to an information associated with the first chat session and an information associated with the second chat session. Based on determining that the input corresponds to the information associated with the first chat session and the information associated with the second chat session, the computer system transmits the input to the second device and the third device.Type: GrantFiled: June 30, 2021Date of Patent: November 15, 2022Assignee: PayPal, Inc.Inventor: Rahul Nair
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Patent number: 11501302Abstract: Methods and systems are presented for configuring a risk assessment engine to predict a risk of a user based on a topic classification across a set of unknown topics generated by a topic model. A risk determination system obtains a plurality of transactions previously conducted by a user. The risk determination system generates a risk document comprising a sequence of words that describe the plurality of transactions. A topic model is used to determine a topic classification for the user based on the sequence of words. The topic model comprises a natural language processor configured to classify the risk document to one or more topics based on the words within the risk document. The risk determination system configures the risk assessment engine to accept the topic classification as input value(s) for predicting a risk associated with the user.Type: GrantFiled: April 15, 2020Date of Patent: November 15, 2022Assignee: PayPal, Inc.Inventor: Tomer Handelman
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Patent number: 11502857Abstract: Techniques are disclosed relating to generating user-specific time-to-live (TTL) values using machine learning. In various embodiments, a server system maintains a cache data store that is operable to store data for a plurality of users of a web service. In response to a cache miss for a request from a first one of the plurality of users, the server system may generate a user-specific TTL value for the first user. In various embodiments, generating the user-specific TTL value may include using a machine learning model to generate a predicted future access pattern for the first user that indicates a distribution of time periods during which the first user is expected to access the web service and, based on the predicted future access pattern, determining the user-specific TTL value for the first user.Type: GrantFiled: December 31, 2019Date of Patent: November 15, 2022Assignee: PayPal, Inc.Inventors: Yuan Deng, Rajesh Bala Kancharla
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Patent number: 11501136Abstract: Systems, methods, and computer program products for determining an attack on a neural network. A data sample is received at a first classifier neural network and at a watermark classifier neural network, wherein the first classifier neural network is trained using a first dataset and a watermark dataset. The first classifier neural network determines a classification label for the data sample. A watermark classifier neural network determines a watermark classification label for the data sample. A data sample is determined as an adversarial data sample based on the classification label for the data sample and the watermark classification label for the data sample.Type: GrantFiled: May 29, 2020Date of Patent: November 15, 2022Assignee: PayPal, Inc.Inventor: Jiyi Zhang
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Patent number: 11501589Abstract: A wearable device is used to authenticate a user into a user account at a user device of the user. In particular, the wearable device may include a sensor configured to detect whether the wearable device is worn by or is with the user. If so, the wearable device may send a signal to the user device and the user device may authenticate the user based on the signal received from the wearable device. For example, when the sensor detects that the wearable device is worn by the user, the wearable device may send a unique signal periodically, such as every five seconds or every 10 seconds. Based on whether the unique signal from the wearable device is received, the user device may authenticate the user.Type: GrantFiled: June 8, 2021Date of Patent: November 15, 2022Assignee: PAYPAL, INC.Inventors: Megan Marie Williams, Michael Hwang, Michelle Serrano
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Patent number: 11501311Abstract: A method includes receiving a payment request that indicates a card identifier corresponding to a payment instrument to be used for payment. The method further includes determining that the card identifiers fails to satisfy at least one card activity criteria. Additionally, method includes subsequent to determining that no failed authorization attempts were performed for the card identifier within a previous time period, retrieving, from a database, a decline probability score associated with the card identifier. The method also includes based on the decline probability score, determining whether to transmit an authorization request for the card identifier prior to processing the payment request.Type: GrantFiled: December 30, 2019Date of Patent: November 15, 2022Assignee: PAYPAL, INC.Inventors: Logasundari Vinayagam, Aniket Vilas Jadhav, Rahul Nimje, Arie Benhamou, Nagavenkatasyamsundar Ambadipudi, Eitan Torf, Gayathri Baskaran, Phanishankar Pandravada
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Patent number: 11501267Abstract: A system and method for implementing a fast payment is described. A request to execute a payout to a payee account is received, where the request includes information about the payout. At least one payment rail available for the requested payout is determined from a plurality of payment rails based on the included information. Rules associated with each of the at least one payment rail are identified. A fastest payment rail is determined from the at least one payment rail for executing the payout based on the identified rules and the information about the payout. The payout is then executed over the determined fastest payment rail.Type: GrantFiled: August 6, 2019Date of Patent: November 15, 2022Assignee: PayPal, Inc.Inventors: William Earl Crowley, Michael Ting, David Koch
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Patent number: 11494394Abstract: Techniques are disclosed relating to data versioning in a multi-datacenter topology. In various embodiments, a computer system at a first datacenter may execute a query at a first point in time against a particular dataset that is maintained at the first datacenter. The particular dataset includes a first data record with a corresponding version number, where the version number is associated with a value of the first data record at the first point in time. In response to the first query, the computer system may receive a first results dataset that includes the first data record with its corresponding version number. The computer system may then store information indicative of the results dataset that is usable to retrieve, at a subsequent time from a historical version of the particular dataset at a second datacenter, the first data record with the same value as at the first point in time.Type: GrantFiled: December 30, 2019Date of Patent: November 8, 2022Assignee: PayPal, Inc.Inventors: Kim Dung Bui, Chun Kiat Ho, Lin Song, Kai Xie
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Patent number: 11494827Abstract: A system and application for purchasing one or more items via quick online transactions from a vendor system is provided. An electronic shopping page listing products for sale and corresponding buy selectors is provided on a user device that includes the quick transaction system. Upon user selection of a buy selector, the user's log on status and payment information are determined, and, if necessary, the user is prompted to log on to the quick transaction application and/or complete any missing user payment information if necessary. A single click or tap on the buy selector generates a completed purchase transaction without the need for a shopping cart or user checkout process. Methods and machine-readable medium for quick online transactions are also provided.Type: GrantFiled: November 27, 2018Date of Patent: November 8, 2022Assignee: PayPal, Inc.Inventors: Harper Reed, Dylan Richard, Gauri Sharma
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Patent number: 11495080Abstract: Systems, methods, and computer program products are disclosed for improving ease in transmitting information between peer devices. Communications devices establish a peer group. Each communications device in the group assigns different sections of its touchscreen to the other devices in the group. To transfer information to another device in the group, the user swipes on the touchscreen towards the assigned section for the target communications device. Upon detecting the swipe, and determining that the swipe was towards the assigned section, the communications device initiates a transfer of the information to the target communications device. This may involve confirmation at the device or a paired device before transfer, or no confirmation. Receipt of the information at the target communications device may trigger notifications to be displayed. It may also trigger a request for acceptance of the transfer at the target communications device after which receipt is confirmed.Type: GrantFiled: November 30, 2020Date of Patent: November 8, 2022Assignee: PAYPAL, INC.Inventor: Aaron Ta-Tsung Leu
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Patent number: 11496456Abstract: This disclosure includes techniques for using multiple cryptographic certificates for a secure connection. One embodiment is a method including: receiving by a client N public encryption keys over a network from a server, wherein N is an integer greater than 1; generating N session keys in response to receiving the N public encryption keys; encrypting each of the N session keys with a respective one of the N public encryption keys; subsequent to encrypting each of the N session keys, sending the N session keys encrypted over the network to the server; encrypting, with a first one of the N session keys, a first portion of a payload associated with a first message; encrypting, with a second one of the N session keys, a second portion of the payload associated with the first message; and sending the first message, comprising the payload encrypted, to the server from the client.Type: GrantFiled: July 28, 2020Date of Patent: November 8, 2022Assignee: PayPal, Inc.Inventor: Srinivasan Rangaraj
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Patent number: 11494556Abstract: Methods and systems are presented for automatically detecting positions of various webpage elements within a webpage when the webpage is rendered, based on analyzing the programming code of the webpage. A position detection system obtains and parses the programming code of the webpage to identify webpage elements within the webpage. A group of related webpage elements is identified based on a shared programming structure. The position detection system generates a DOM tree based on the programming code, and determines relative positions of the webpage elements within the group by traversing the DOM tree using a breadth-first search algorithm.Type: GrantFiled: December 22, 2021Date of Patent: November 8, 2022Assignee: PayPal, Inc.Inventors: Olga Sharshevsky, Yarden Raiskin, Ran Yuchtman
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Patent number: 11488177Abstract: A fraud detection model is used by a computer system to evaluate whether to grant a request to access a secure electronic resource. Before granting the request, the computer system evaluates the request using a multi-partite graph model generated using a plurality of previous requests. The multi-partite graph model includes at least a first set of nodes for sender accounts, a second set of nodes for recipient accounts, and a third set of nodes.Type: GrantFiled: December 31, 2019Date of Patent: November 1, 2022Assignee: PayPal, Inc.Inventors: Yuan Deng, Yanfei Dong
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Patent number: 11487647Abstract: The systems and methods that determine tests that may be executed in parallel during regression testing of an analytics application are provided. Multiple tests that test functions of the analytics application are accessed from a test automation suite. For each test, data sources that provide data to the analytics application during the test are identified. The tests are aggregated into temporary groups according to the identified data sources. The test groups are generated from the temporary groups such that each test group comprises tests that are associated with non-overlapping data sources. The regression testing is performed on the application by executing the test groups in parallel.Type: GrantFiled: September 28, 2020Date of Patent: November 1, 2022Assignee: PayPal, Inc.Inventors: Eyal Koplovich, Lucia Lifschitz, Amir Emanueli
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Patent number: 11488139Abstract: There are provided systems and methods for authentication depending on device capabilities and user requests based on situational information collected in advance of a device becoming non-operational. A user may wish to utilize some device process, such as access and use of a device application or other module. For example, a user may wish to utilize a payment application of the communication device, or authenticate the user using a service provider accessible through the communication device. If the communication device becomes non-operational (e.g., lack of power or signal strength), the user may be prevented from authenticating through the communication device. Thus, the user may establish a limited use authentication credential from situational data to the user and device (e.g., location or current image) that allows the user to authenticate with the service provider. The authentication credential may be limited to a location, amount, and/or type of authentication.Type: GrantFiled: May 28, 2019Date of Patent: November 1, 2022Assignee: PAYPAL, INC.Inventors: Billy Henry Runyan, Marty Jorgensen, Mohammad Zunaid Siddique, Rahul Nair, Eduardo Batlle, Michael Benjamin Bowman, Rashmi Singh Prakash
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Patent number: D970612Type: GrantFiled: June 30, 2020Date of Patent: November 22, 2022Assignee: PAYPAL, INC.Inventors: Christopher McFall, Alexander C. Simonson, Roger Evoy