Patents Assigned to PayPal, Inc.
  • Patent number: 12198114
    Abstract: A system and method for receiving and executing emoji based commands is disclosed. The system and method may include processes such as identifying ,emojis in a message, determining one or more action based on the emoji, and completing the determined actions.
    Type: Grant
    Filed: April 4, 2023
    Date of Patent: January 14, 2025
    Assignee: PAYPAL, INC.
    Inventors: Poornima Venkatakrishnan, Megan Marie O'Neill
  • Patent number: 12200017
    Abstract: Techniques are disclosed relating to the automated capture and reporting of user-verification metric data. In various embodiments, a server system may maintain a set of user-verification rules usable to verify an identity of a user requesting to perform operations via a service provided by the server system. In response to receiving an updated rule definition for a particular user-verification rule, the server system may automatically generate an updated schema for the particular user-verification rule, where the updated schema specifies a structure of event messages used to documents uses of the particular user-verification rule by a user-verification service. The server system may then receive information corresponding to a particular use of the particular user-verification rule and, using the updated schema, generate an event message to document the particular use of the particular user-verification rule.
    Type: Grant
    Filed: December 21, 2021
    Date of Patent: January 14, 2025
    Assignee: PayPal, Inc.
    Inventors: Chun Kiat Ho, Kim Dung Bui, Jesslyn Sze Yu Chew, Bipin Kesapur
  • Patent number: 12198123
    Abstract: A system, including: a non-transitory memory; and one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations including: receiving a transaction request from an endpoint device on a network, wherein the endpoint device is registered with a transaction service provider; locating, based on the transaction request, an authorization token corresponding to a payment mechanism, wherein the authorization token is stored to a memory device of the router; in response to receiving the transaction request, transmitting the authorization token to the transaction service provider to retrieve transaction information from the transaction service provider, wherein the transaction information includes payment data for a user of the endpoint device; and transmitting the transaction information to the upstream network location, wherein the upstream network location includes a merchant server.
    Type: Grant
    Filed: May 8, 2023
    Date of Patent: January 14, 2025
    Assignee: PAYPAL, INC.
    Inventor: Frank Anthony Nuzzi
  • Patent number: 12192322
    Abstract: Methods and systems described herein improve blockchain storage operations in a variety of environments. A blockchain compression system may determine that a blockchain compression condition associated with a blockchain having a first plurality of blocks has been satisfied. In response, the system compresses the first plurality of blocks using a first hash tree into a first root hash value and stores the first plurality of blocks in a first database. The blockchain compression system generates a first new era genesis block that includes the first root hash value and a first database address of the first database at which the first plurality of blocks are stored. The blockchain compression system stores the blockchain at one or more nodes in a blockchain network. The blockchain includes the first new era genesis block and any previous new era genesis blocks. This may effectively reduce storage requirements for the blockchain, in various embodiments.
    Type: Grant
    Filed: April 5, 2023
    Date of Patent: January 7, 2025
    Assignee: PAYPAL, INC.
    Inventors: Suryatej Gundavelli, Charles Gabriel Neale Dalton, Michael Jim Tien Chan
  • Patent number: 12189723
    Abstract: Methods and systems are presented for imputing missing data items within a first dataset based on data associated with a second dataset that is the nearest neighbor of the first dataset. A first mapping model is configured to map data subsets corresponding to a first data source to first positions in a multi-dimensional space. A second mapping model is configured to map data subsets corresponding to a second data source to second positions in the multi-dimensional space. The first and second mapping models are trained together to reduce a distance between positions mapped by the first and second mapping models based on corresponding data subsets that belong to the same entity. A nearest neighbor dataset to the first dataset is identified based on the first and second mapping models. Data associated with the nearest neighbor dataset is used to impute the missing data items of the first dataset.
    Type: Grant
    Filed: September 15, 2023
    Date of Patent: January 7, 2025
    Assignee: PAYPAL, INC.
    Inventors: Itay Margolin, Tomer Handelman
  • Patent number: 12189707
    Abstract: A method and system for detecting slow page load is provided. An example system comprises a page request detector, a time-out module, a time-out monitor, and a lightweight page requestor. The page request detector may be configured to detect a request for a web page. The time-out module may be configured to commence a time-out period in response to a request for a web page. The time-out module cooperates with the time-out monitor that may be configured to determine that rendering of a rich version of the requested web page has not commenced at an expiration of the time-out period. The lightweight page requestor may be configured to cause a lightweight version of the requested page to be provided to the client system when the time-out monitor determines that the rendering of a rich version of the requested web page has not commenced at an expiration of the time-out period.
    Type: Grant
    Filed: January 10, 2023
    Date of Patent: January 7, 2025
    Assignee: PayPal, Inc.
    Inventors: J. Thomas Monk, IV, Hemal Doshi
  • Patent number: 12190324
    Abstract: A machine learning engine may be trained using artificial intelligence techniques and used according to techniques discussed herein. While an initial electronic transaction for a resource may be permitted, a subsequent related transaction to the initial electronic transaction may be analyzed in view of additional electronic information that was not available at the time of the initial transaction. Analysis of the subsequent related transaction, using the machine learning engine, may indicate a new classification related to the resource and/or the acquisition of the resource. Based on this new classification, usage of the resource may be restricted and/or denied, and the initial transaction for the resource may even be canceled retroactively.
    Type: Grant
    Filed: December 28, 2021
    Date of Patent: January 7, 2025
    Assignee: PAYPAL, INC.
    Inventors: Chern Jie Lim, Ziyuan Pan, Jessica Tjong, Oscar Charles Edward Sanderson, Yanfei Dong
  • Patent number: 12192297
    Abstract: Techniques are disclosed relating to generating real-time suggested actions for a user based on their user profile attributes. In various embodiments, a server system may select, in real-time, a particular action to suggest to a user based on profile attributes associated with a user account of the user. The server system may then provide a message indicative of this particular action to a user device associated with the user. In some embodiments, the server system may then receive an indication that the user has initiated the particular action. In response to this indication, the server system may update the profile attributes associated with the user account to indicate that the user has initiated the particular action. Using these updated profile attributes, the server system may then select, in real-time, an updated action to suggest to the user that is different from the particular action.
    Type: Grant
    Filed: June 29, 2022
    Date of Patent: January 7, 2025
    Assignee: PayPal, Inc.
    Inventors: Sumit Ranjan, Sriram Ramakrishnan, Ravi Shankar Chandrasekaran, Dinesh Damodharan
  • Patent number: 12182841
    Abstract: A method for processing disputes in a multi-tenant architecture system includes receiving, at a first service provider, a dispute request from a second service provider that manages entity identities of a plurality of customers. The dispute request indicates a disputed transaction between a customer of the plurality of customers and another entity. The method includes accessing an identity manager to determine a customer representation, the identity manager previously onboarded the plurality of customers as a plurality of customer representations. The identity manager is hosted by the first service provider that manages customer representations corresponding to entity identities of the customers. The dispute request is propagated with the customer representation to a dispute management engine that determines an outcome for the dispute, the determination based on characteristics of the disputed transaction and on characteristics of the customer.
    Type: Grant
    Filed: July 6, 2021
    Date of Patent: December 31, 2024
    Assignee: PAYPAL, INC.
    Inventors: Prashant Jamkhedkar, Aravindan Ranganathan, Sandeep Kumar, Mavendra Sharma, Norihiro Aoki, Justin White, Jeffrey David Meyer
  • Patent number: 12184730
    Abstract: There are provided systems and methods for determining processing weights of rule variables for rule processing optimization. A service provider, such as an electronic transaction processor for digital transactions, may utilize different decision services that implement rules for decision-making of data including real-time data in production computing environments. Rules may correspond to coded statements that perform an automated decision-making service for the computing services and platforms of the service provider. When writing rules, different variables for data objects may be utilized, where each variable may perform a different operation and/or utilize a different operation for fetching and retrieving data used during rule processing. Each variable may therefore have a different data processing weights based on processing requirements of the data. Thus, optimization of rule authoring may be performed by mapping variables to other similar variables and showing a processing weight of each variable.
    Type: Grant
    Filed: July 11, 2023
    Date of Patent: December 31, 2024
    Assignee: PAYPAL, INC.
    Inventors: Prabin Patodia, Shikha Gupta, Sumit Kumar
  • Patent number: 12183350
    Abstract: Techniques for detecting a fraudulent attempt by an adversarial user to voice verify as a user are presented. An authenticator component can determine characteristics of voice information received in connection with a user account based on analysis of the voice information. In response to determining the characteristics sufficiently match characteristics of a voice print associated with the user account, authenticator component can determine a similarity score based on comparing the characteristics of the voice information and other characteristics of a set of previously stored voice prints associated with the user account. Authenticator component can determine whether the similarity score is higher than a threshold similarity score to indicate whether the voice information is a replay of a recording or a deep fake emulation of the voice of the user. Above the threshold can indicate the voice information is fraudulent, and below the threshold can indicate the voice information is valid.
    Type: Grant
    Filed: April 12, 2021
    Date of Patent: December 31, 2024
    Assignee: PayPal, Inc.
    Inventors: Karl Anton Hennig, Ajay Aswal, Bisrat Zerihun
  • Patent number: 12182807
    Abstract: A method for generating a smart protocol includes providing, by a server computer system, a user interface to one or more of a plurality of users. The server computer system may receive, via the user interface, input specifying terms corresponding to a smart protocol that is to be deployed on a particular blockchain platform. The specified terms may include the plurality of users associated with the smart protocol and a web resource to be used to identify one or more external data. An execution of the smart protocol may be based on a value of the external data. Based on the specified terms, the server computer system may generate, without further input from the plurality of users, the smart protocol. The server computer system may deploy the smart protocol to the particular blockchain platform.
    Type: Grant
    Filed: March 14, 2022
    Date of Patent: December 31, 2024
    Assignee: PayPal, Inc.
    Inventors: Muhammad Saad, Raoul Johnson, Jakub Burgis
  • Patent number: 12184798
    Abstract: There are provided systems and methods for a dynamic value appended to cookie data for fraud detection and step-up authentication. A service provider, such as an electronic transaction processor for digital transactions, may utilize computer cookies for authentication and/or login for a user account. In order to further secure cookies from being compromised and used by malicious parties for fraudulent account access, the service provider may add or append a dynamic value that changes at each subsequent login to the computer cookie. The dynamic value may be used so that if a computer cookie is misappropriated, only one device may use the cookie once without the cookie updating and invalidating the cookie with another device or application on the device. Thereafter, when a login is requested, the dynamic value is matched to an expected value by the service provider when determining whether to authenticate the device.
    Type: Grant
    Filed: June 30, 2021
    Date of Patent: December 31, 2024
    Assignee: PAYPAL, INC.
    Inventors: Adam Cohen, Yuval Bercovich
  • Patent number: 12185181
    Abstract: A method for using location-based services for service management is discussed. The method includes receiving, at a server, a user request from a user device at a geographical location. The method includes accessing a store search to determine a store reference based on the user request and a user location corresponding to the geographical location, the store reference indicating tenant(s) accessible to the user via a user interface (UI) of the user device. The method includes accessing location data for the user device based on the store reference and a user account associated with the user, the location data indicating a service accessible via the UI and associated with a certain tenant. The method includes providing, to the user device and based on the location data, a user experience for accessing the service via the UI.
    Type: Grant
    Filed: September 5, 2023
    Date of Patent: December 31, 2024
    Assignee: PAYPAL, INC.
    Inventors: Prashant Jamkhedkar, Anant Ganapathy, Jie Leng, Biju Balakrishnan Nair, Haoyu Xue, Justin Warmkessel
  • Patent number: 12182732
    Abstract: A computer system receives a set of user-defined rules are that useable by a computer service to automate a decision flow. The computer system generates a graph model from the user-defined rules. From the graph model, the computer system determines an input dependency model that is indicative of a set of inputs referred to in the graph model. The input dependency model is useable by an orchestrator to coordinate accesses to the one or more data stores in which the set of inputs is stored. The computer system receives the set of inputs and determines one or more automated decisions by applying the set of inputs to the graph model.
    Type: Grant
    Filed: May 7, 2021
    Date of Patent: December 31, 2024
    Assignee: PayPal, Inc.
    Inventors: Lin Song, Xin Li, Chun Kiat Ho, Yuehao Wu, Kai Xie, Meng Zang, Chinmayee Rathi, Jun Yang, Ke Zheng, Zhenyin Yang, Wen Lu
  • Patent number: 12183099
    Abstract: Systems and techniques for facilitating detection of data duplication issues relating to generation of non-fungible tokens are provided. In various embodiments, a computer system can access a digital artwork image. In various aspects, the computer system can generate a set of plagiarism probabilities by comparing the digital artwork image to a set of cached digital artwork images. In various instances, a given plagiarism probability in the set of plagiarism probabilities can indicate a likelihood that the digital artwork image was derived from a given cached digital artwork image in the set of cached digital artwork images. In various cases, the computer system can calculate an authenticity score for the digital artwork image based on the set of plagiarism probabilities. In various aspects, the computer system can determine whether the authenticity score for the digital artwork image satisfies a threshold authenticity value.
    Type: Grant
    Filed: October 25, 2021
    Date of Patent: December 31, 2024
    Assignee: PayPal, Inc.
    Inventor: Pankaj Sarin
  • Patent number: 12175523
    Abstract: In a system and method for providing augmented content, embodiments disclose a communication module that receives a product identifier for a product and content including an object. The embodiments also disclose an overlay creation module that creates a user interface with a first actuatable element, the first actuatable element being configured to send product purchase instructions to a merchant server when actuated. The embodiments also disclose a product matching module that matches the object to the product identifier and an augmentation module that, in response to the product matching module matching the object to the product identifier, creates an augmented content which includes the content and a second actuatable element, the second actuatable element being configured to display the user interface as an overlay over the content on a user device when actuated. The embodiments also disclose a displaying module that instructs a user device to display the augmented content.
    Type: Grant
    Filed: October 25, 2021
    Date of Patent: December 24, 2024
    Assignee: PAYPAL, INC.
    Inventors: Badrinath Venglathur Srinath, Prabhakar Ramadass, Saji Padmaraagam
  • Patent number: 12175472
    Abstract: 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: Grant
    Filed: October 17, 2022
    Date of Patent: December 24, 2024
    Assignee: PAYPAL, INC.
    Inventors: Logasundari Vinayagam, Aniket Vilas Jadhav, Rahul Nimje, Arie Benhamou, Nagavenkatasyamsundar Ambadipudi, Eitan Torf, Gayathri Baskaran, Phanishankar Pandravada
  • Patent number: 12177247
    Abstract: Systems and methods for security engine audit rules to prevent incorrect network address blocking are disclosed. An entity such as a service provider may determine network traffic logs caused or generated by malicious web traffic and network communications, such as during a computing attack by a bad actor. The service provider may implement automated blocking controllers, which use detection rules to detect the malicious network traffic, and thereafter generate a network address blocklist that is distributed to devices, components, and servers of the service provider for network address blocking. To ensure the integrity of the detection rules, audit rules and a dynamic exclusion macro may be executed to detect when a detection rule is behaving abnormally and/or leading to anomalous results. If a detection rule is not properly blocking network addresses, the rule may be removed from execution until recovery.
    Type: Grant
    Filed: December 16, 2021
    Date of Patent: December 24, 2024
    Assignee: PAYPAL, INC.
    Inventor: George Chen Kaidi
  • Patent number: D1055941
    Type: Grant
    Filed: November 30, 2022
    Date of Patent: December 31, 2024
    Assignee: PAYPAL, INC.
    Inventors: Mario Fernando Sanchez De la Rosa, Ida Ristner, Eduardo Alejandro Solana Lopez