Patents Assigned to PayPal, Inc.
  • Patent number: 11488148
    Abstract: Provided is a method and a web-site integration system to integrate payment mechanisms into a commercial website that offers online merchants a flexible, user-friendly and customizable wizard to integrate payment mechanisms into their online commercial websites without having to understand the detailed intricacies of an API or other computer code. The wizard steps the merchant through creating an account to obtain credentials and educates the merchant on the page flows of the payment mechanism that the merchant wishes to integrate. Then, the wizard generates code snippets and files to be downloaded by the merchant and to be easily inserted into key pages of the merchant's online commercial website. The merchant can then test the completely integrated code in a developer's sandbox or go live with the completely integrated code.
    Type: Grant
    Filed: July 1, 2019
    Date of Patent: November 1, 2022
    Assignee: PAYPAL, INC.
    Inventors: Srinivasa Rao Pasupulati, Amish Patel, Nick Groleau, William Charles Taylor, Saleem Qadir
  • Patent number: 11488155
    Abstract: A method for using proxy checkout services is discussed. The method includes accessing transaction details of a potential transaction for an item or a first service at a merchant, the potential transaction initiated by a user at a user device at a first location. The method includes responsive to a determination, based on merchant characteristics or user characteristics, that use of proxy services is permitted, initiating proxy services for performing the potential transaction at different user locations. The method includes determining, based on selection criteria, a particular proxy service from the proxy services for initiating a proxy transaction based on the potential transaction using one of different user locations. The method includes causing a user interface of the user device to render a user-selectable option for performing the proxy transaction instead of the potential transaction.
    Type: Grant
    Filed: December 31, 2019
    Date of Patent: November 1, 2022
    Assignee: PAYPAL, INC.
    Inventor: Noam Marianne
  • Patent number: 11489813
    Abstract: Methods and systems are presented for detecting and dynamically rate limiting unauthorized attempts to obtain user account information from an online service provider. An online system is configured with a request rate limit and a list of user identifiers associated with accounts at risk of being compromised. The system receives requests, each associated with a user identifier, from one or more devices. The system determines what amount of user identifiers associated with the requests match user identifiers on the list over a period of time. If the amount meets or exceeds a threshold, the system reduces the request rate limit for devices that made a request associated with user identifiers matching those on the list.
    Type: Grant
    Filed: May 19, 2020
    Date of Patent: November 1, 2022
    Assignee: PAYPAL, INC.
    Inventor: George Chen Kaidi
  • Patent number: 11481687
    Abstract: Machine learning techniques are used in combination with graph data structures to perform automated classification of accounts. Graphs may be constructed using a seed node and then expanded outward to second-degree nodes and third-degree nodes that are connected to a seed user account node via direct interaction between the accounts. Characterization information regarding the interaction between accounts can be stored in the graph (e.g., quantity of interactions, types of interactions) as well as other metrics and metadata. A classifier, using random forest or another technique, may be trained using a number of different graphs that can then be used to reach a determination as to whether a user account falls into one particular category or another. These techniques can identify accounts that may be violating terms of service, committing a security violation, and/or performing illegal actions in a way that is not ascertainable from human analysis.
    Type: Grant
    Filed: October 30, 2021
    Date of Patent: October 25, 2022
    Assignee: PAYPAL, INC.
    Inventors: Chuanyun Fang, Matias Rotenberg, Adam Cohen, Chunmao Ran, Kun Fu, Itzik Levi
  • Patent number: 11475019
    Abstract: Machine learning techniques are disclosed that allow device contact list information to be leveraged in building better models that provide more accurate assessment of user transaction risks. A computing device may receive a contact list that includes a first set of user device identifiers and generates a contact graph for that user by associating the user device identifier with the first set as first-degree contacts. The computing device may then determine that a portion of the first set of the user device identifiers are stored in a contact database (e.g. on a server) and generate a user score based on user information associated with the first set, the contact graph, and a contact graph model. The computing device may provide the user score to a transaction assessment service as in input for the transaction assessment service deciding whether particular electronic transactions are approved for processing by an electronic service provider.
    Type: Grant
    Filed: October 9, 2020
    Date of Patent: October 18, 2022
    Assignee: PAYPAL, INC.
    Inventor: Nilotpal Paul
  • Patent number: 11475501
    Abstract: A method and a system for providing recommendations based on branding are disclosed. In example embodiments, an index comprising predetermined brand relationships is maintained. Each predetermined brand relationship comprises a first brand, a second brand, and a recommendation score between the first brand and the second brand. A corpus containing a plurality of user queries is also maintained. A seed set of brands corresponding to a category in the index is expanded by accessing the corpus containing the plurality of user queries, evaluating user queries of the plurality of user queries that contain a disjunction of brand terms, and identifying a new brand to add to the seed set based on the evaluating.
    Type: Grant
    Filed: August 13, 2019
    Date of Patent: October 18, 2022
    Assignee: PayPal, Inc.
    Inventors: Nishith Parikh, Neelakantan Sundaresan
  • Patent number: 11477180
    Abstract: A method may include allocating a number of public keys, where each respective public key is allocated to a respective entity of a number of entities; storing a number of private keys, where each respective private corresponds to a respective public key; storing one or more decryption algorithms, where each respective decryption algorithm is configured to decrypt data previously encrypted using at least one encryption algorithm of the encryption algorithms. Each respective encryption algorithm may be configured to encrypt data using at least one public key. Each respective decryption algorithm may be configured to decrypt data using at least one private key. The method may include receiving encrypted data, where the encrypted data is encrypted using a first public key and a first encryption algorithm, and the encrypted data is provided over a network.
    Type: Grant
    Filed: March 3, 2020
    Date of Patent: October 18, 2022
    Assignee: PayPal, Inc.
    Inventor: Daniel Manges
  • Patent number: 11475079
    Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for classifying or indexing websites using an efficient multistage statistical indexing scheme. In one embodiment, a system is introduced that includes a plurality of models for classification. The classification and indexing may be obtained using at least two models designed to retrieve information from a website visited for marketing and assessing a user. In one embodiment, a first model, content-based features are used for the classification and in making predictions of the unlabeled observations. In another embodiment, a second model includes embedded technology-based features for further classification.
    Type: Grant
    Filed: November 30, 2020
    Date of Patent: October 18, 2022
    Assignee: PayPal, Inc.
    Inventors: Avishay Meron, Yarden Raiskin
  • Patent number: 11475434
    Abstract: There are provided systems and methods for local digital token transfer during device communication limitations. A first computing device of a first user may include applications and data necessary to generate and/or transmit a data token to a second device to provide particular data to the second device, including a token used for electronic transaction processing. The first device may be unable to communicate with the second device in particular instances, for example, if the first device becomes non-operational due to battery power, location specific requirements, or other operation issue. Thus, the first device may store the token locally or to a nearby associated device, such as a keyfob device or other transceiver. The token may then be available to a third device when the first device is limited from communications, which may be used to communicate the token to the second device.
    Type: Grant
    Filed: June 9, 2020
    Date of Patent: October 18, 2022
    Assignee: PAYPAL, INC.
    Inventors: Michael Charles Todasco, Cheng Tian
  • Patent number: 11475239
    Abstract: Aspects of the present disclosure involve systems, methods, devices, and the like for an end-to-end solution to auto-identifying features. In one embodiment, a novel architecture is presented that enables the identification of optimal features and feature processes for use by a machine learning model. The novel architecture introduces a feature orchestrator for managing, routing, and retrieving the data and features associated with analytical job request. The novel architecture also introduces a feature store designed to identify, rank, and store the features and data used in the analysis. To aid in identifying the optimal features and feature processes, a training system may also be included in the solution which can perform some of the training and scoring of the features.
    Type: Grant
    Filed: November 21, 2019
    Date of Patent: October 18, 2022
    Assignee: PAYPAL, INC.
    Inventors: Kai Xie, Chun Kiat Ho, Lin Song, Rey Neo, Edwin Boaz Soenaryo, Kim Dung Bui
  • Patent number: 11470114
    Abstract: A method for using a malware and phishing detection and mediation platform is discussed. The method includes accessing data from one or more of a monitored portion of website data and a monitored portion of emails, the data indicating a respective potential malware or a suspect phishing element (e.g., Uniform Resource Locator (URL)). The method includes selecting one of a plurality of detection engines for processing the data, where the selecting is based on previous results of previous processing by one or more detection engines. Each of the plurality of detection engines can be for performing one or more respective investigation actions on the plurality of data to determine a particular issue with one of the monitored data. The method also includes determining a mediation action based on a result of processing of the detection engine and the previous processing.
    Type: Grant
    Filed: December 27, 2019
    Date of Patent: October 11, 2022
    Assignee: PAYPAL, INC.
    Inventors: Nathan Pratt, Bradley Wardman, Kevin Tyers, Eric Nunes, Meethil Vijay Yadav, Todd Clausen, Nicholas Bailey
  • Patent number: 11468483
    Abstract: Techniques for generation and management of pools for events are presented. Pool management component (PMC) generates an event associated with a recipient. Within a period of time of the event, PMC generates a pool relating to the event. Based on contact user data, transaction data relating to transactions or interactions between recipient and merchants, and affinities of the recipient to contact users or merchants, PMC determines which users to invite as candidates to contribute monetary funds to the pool and which merchants to be candidates to the pool and to present offers for products. Notification component notifies candidates of their invitation to participate in the pool. Pool component receives contributions from user candidates and offers from merchant candidates. At time of the event, notification component notifies recipient of the gift being presented to recipient via the pool, the gift comprising money, a product, or offer for a product.
    Type: Grant
    Filed: June 24, 2020
    Date of Patent: October 11, 2022
    Assignee: PayPal, Inc.
    Inventors: Arjun Shukla, Lu Liu, Gregory Paul Domorski
  • Patent number: 11470166
    Abstract: A method for managing entities in a multi-tenant marketplace architecture system is discussed. The method includes determining that a merchant is represented as a first representation in a first hierarchical data structure and as a second representation in a second hierarchical data structure, where both the first and second hierarchical data structures are managed by a first service provider. The merchant is being managed via a full representation in an original hierarchical data structure by a marketplace service provider. The first and second representations provide outbound services via the first hierarchical data structure and via the second hierarchical data structure, respectively. The method also includes linking the first representation with the second representation to configure the first and second representations for propagating results of an inbound service applied to one of the first and second representations to a remaining one of the first and second representations.
    Type: Grant
    Filed: December 28, 2018
    Date of Patent: October 11, 2022
    Assignee: PAYPAL, INC.
    Inventors: Prashant Jamkhedkar, Aravindan Ranganathan, Sandeep Kumar, Norihiro Aoki, Justin White, Jeffrey David Meyer, Raghavendra Nagappa
  • Patent number: 11468129
    Abstract: A system and method for generating automatic false positive estimations for website matching is described. Several sets of assets and Uniform Resource Locators (URLs) are aggregated. Each of the several sets of assets is searched across webpage content corresponding to the several URLs to determine matches between the sets of assets and webpage content. One or more false positive estimations is determined, where each of the one or more false positive estimations corresponds to the one or more matches. A combined score is generated based on the one or more false positive estimations.
    Type: Grant
    Filed: June 18, 2019
    Date of Patent: October 11, 2022
    Assignee: PAYPAL, INC.
    Inventors: Avishay Meron, Tomer Handelman, Shay Elbaz, Shuly Lev-Yehudi
  • Patent number: 11468455
    Abstract: There are provided systems and methods for automatic determination of card data based on network category codes. A user may engage in a transaction with another user, such as a purchase of goods, services, or other items a merchant using a physical payment card. An online transaction processor may receive information from processing of the payment card over an electronic card network so that the online transaction processor may determine data for the payment card. The data may be determined over a time period, which may be dynamically adjusted based on additional data for the user, time period, and/or payment card. The data is further identified and determined based on network category codes for different transaction data when processed over the electronic network. Thereafter, categories of data may be selected to provide benefits back to the user's account or payment card.
    Type: Grant
    Filed: June 30, 2020
    Date of Patent: October 11, 2022
    Assignee: PAYPAL, INC.
    Inventors: Ariane Wesleigh Cherry, Nakul Gupta, Christopher McFall, Rebecca Sloan Newman
  • Patent number: 11470180
    Abstract: A system and method of pre-fetching data in a network includes displaying first data to a user, the first data being upstream of other data in a data flow. Before receiving a request from the user to view the other data, retrieving at least some of the other data and storing the retrieved other data in a memory device. After a request is received from the user to display the other data, using the stored data for the display to the user.
    Type: Grant
    Filed: December 13, 2019
    Date of Patent: October 11, 2022
    Assignee: PayPal, Inc.
    Inventors: Mahesh Subramanian, William Orcutt
  • Patent number: 11461770
    Abstract: Systems and methods for active application of secondary transaction instrument tokens in transaction processing systems are provided. A transaction processing server receives a transaction request identifying a request to authorize a transaction using a first transaction instrument and a first token processing engine issues the transaction request with a first transactable token associated with the first transaction instrument for use by a first remote entity to authorize the first transaction instrument. The transaction processing server receives a transaction request failed message and actively routes a non-transactable token from the first token processing engine to a second token processing engine.
    Type: Grant
    Filed: August 28, 2020
    Date of Patent: October 4, 2022
    Assignee: PayPal, Inc.
    Inventor: Pankaj Sarin
  • Patent number: 11461798
    Abstract: There are provided systems and methods for monitoring device application usage for completion of checkout data processing. A computing device may be utilized to perform one or more actions while utilising an application executable by the device, including a browser application or merchant application that allows a user to view an online marketplace and purchase items in a transaction. Prior to checkout and transaction processing, the device may be used to browse items, and items may be added to a shopping cart. However, the device may not finish electronic transaction processing for the items, for example, where the device does not enter transaction processing details and/or navigates away from the items or cart. A service provider may utilize past actions to determine whether the action indicates that the device is abandoning use of the application, including electronic transaction processing. If so, an incentive may be provided to continue use.
    Type: Grant
    Filed: October 13, 2020
    Date of Patent: October 4, 2022
    Assignee: PAYPAL, INC.
    Inventor: Braden Christopher Ericson
  • Patent number: 11461780
    Abstract: There are provided systems and methods for shared authentication for limited use of an associated account based on user location and connected devices. A user may own a location where another user may visit or rent. The user may have a payment account that may be used with merchants to purchase items that are associated with the location or offered with use of the location. The user may set up the payment account to have a shared authentication mechanism with other users that utilize the location to allow the other users to pay for items using the payment account. The authentication mechanism may be a credential that may be pushed to a device of one or more of the other users when the other users are at or nearby the location or may be information of the other users that may be matched during transaction processing.
    Type: Grant
    Filed: June 10, 2019
    Date of Patent: October 4, 2022
    Assignee: PAYPAL, INC.
    Inventors: Michael Charles Todasco, Anand Lakshmanan, Patrick Wong, Brandye Cassandra Sweetnam, Sumeet Ahuja
  • Patent number: 11463447
    Abstract: Systems and methods are provided for an application platform with flexible permissioning.
    Type: Grant
    Filed: October 6, 2020
    Date of Patent: October 4, 2022
    Assignee: PayPal, Inc.
    Inventors: Asim Razzaq, Musaab At-Taras, Damon Hougland, Yuliya Gorbunova, Saleem Shafi