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公开(公告)号：US20230070833A1
公开(公告)日：2023-03-09
申请号：US18049929
申请日：2022-10-26
申请人： PayPal, Inc.
发明人： Yuan Deng , Yanfei Dong
摘要： 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.
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公开(公告)号：US20230067746A1
公开(公告)日：2023-03-02
申请号：US17445925
申请日：2021-08-25
申请人： PayPal, Inc.
摘要： A payment service provider device determines that a first geolocation of a user device is within a predetermined proximity to a second geolocation associated with a merchant Point-Of-Sale (POS) device that is coupled to a network and provides, via the network to the merchant POS device, a communication that includes a user identifier associated with a user of the user device, such that the communication causes the user identifier to be displayed on a display device associated with the merchant POS device and the user is checked-in at a merchant location associated with the merchant POS and the second geolocation. The payment service provider device receives, via the network, a payment request that is associated with the user identifier, and then completes the payment request using a user account associated with the user identifier.
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13.发明授权公开(公告)号：US11595820B2
公开(公告)日：2023-02-28
申请号：US17140872
申请日：2021-01-04
申请人： PayPal, Inc.
IPC分类号： H04W12/08 , G06Q20/32 , H04W4/60 , H04W4/80 , H04L9/40 , G06F21/60 , G06Q20/34 , G06Q20/40 , H04L67/1095 , H04L67/10
摘要： Systems and methods for managing concurrent secure elements on a mobile device to coordinate with an application or “app” running on the mobile device and an appropriate communications protocol for conducting transactions using the mobile device include: informing, by the processor, the reader device of a preferred app and a communication protocol usable by the preferred app; receiving, by the processor, information about which apps and communication protocols are supported by a reader for processing a transaction; locating, by the processor, a secure element supporting an app and a communication protocol supported by the reader; channeling the communication protocol for the specific configuration of the app and the supporting secure element; activating the secure element that supports the app; and processing, with the activated secure element, using the supported app and communication channel, the transaction with the reader.
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公开(公告)号：US11593829B1
公开(公告)日：2023-02-28
申请号：US17562630
申请日：2021-12-27
申请人： PayPal, Inc.
IPC分类号： G06Q30/02 , H04L67/02 , G06Q30/0207
摘要： Systems/techniques for facilitating proxy objects for tracking processing of electronic coupon codes are provided. In various embodiments, a system can determine that a browser is performing a checkout on a frontend website. In various aspects, the system can cause the frontend website to instruct the web browser to transmit a validation request to a backend server, wherein the validation request identifies a coupon code and requests that the backend server determine whether the coupon code is applicable to the checkout. In various instances, the system can cause the web browser to append a proxy object to the validation request, wherein the proxy object fetches, during execution of the validation request by the backend server, an execution status of the validation request. In various cases, the system can receive, from the proxy object, the execution status and can initiate one or more electronic actions based on the execution status.
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15.发明授权公开(公告)号：US11593676B2
公开(公告)日：2023-02-28
申请号：US16704025
申请日：2019-12-05
申请人： PayPal, Inc.
发明人： Ramnarayan Vijapur Gopinath Rao , Rajkumar Baskaran , Venkatesh J. Ramesh , Suresh Kumar Durairaj , Kartik Srikantan
摘要： Systems and methods that determining a solution for a real-time message are provided. Multiple messages of different types are received from multiple platforms. The messages were generated in response to errors caused by applications monitored by the platforms. For each message, a language processing system determines the content of the message and the machine learning system determines a classification of the message. The set of message candidates are generated by comparing the classification and the content of the message to historical messages. From the set of message candidates, solution messages are identified. A recommended solution is determined from the solution messages.
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公开(公告)号：US11593608B2
公开(公告)日：2023-02-28
申请号：US16665709
申请日：2019-10-28
申请人： PAYPAL, INC.
IPC分类号： G06F15/173 , G06N3/04 , G06N3/08 , H04L51/04 , H04L51/02 , H04L65/1069 , G06N5/04 , G06F15/16
摘要： Methods and systems are presented for providing automated online chat assistance in an online chat session. One or more utterances transmitted from a user device of a user via the online chat session are obtained. The one or more utterances are provided to a first prediction model to predict an intent of a user. If it is determined that the first prediction model is unable to predict the intent of the user based on the one or more utterances, the one or more utterances are provided to a second prediction model. After predicting the intent of the user by the second prediction model, the intent is used by a chat robot to provide a dialogue with the user via the online chat session. The one or more utterances and the predicted intent are used to re-train the first prediction model.
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公开(公告)号：US11593449B1
公开(公告)日：2023-02-28
申请号：US17393941
申请日：2021-08-04
申请人： PAYPAL, INC.
发明人： Yash Bansal
IPC分类号： G06F16/904 , G06F16/957 , G06F3/0482 , G06F40/14 , G06F16/954
摘要： There are provided systems and methods for reducing computing calls for webpage load times and resources to reduce power usage and/or carbon footprints caused by repetitive navigations. A service provider, such as an online transaction processor, may provide computing services to users, which require computing devices of the users to interact with the service provider and load data on the computing devices, including webpages and application interfaces. Each of data loading event may have a cost, where repeating events may lead to unnecessary power usage, carbon emissions and/or a carbon footprint. A graph algorithmic process may utilize state diagrams of processing flows for data loading events with attributes for each data loading event to identify problematic repeated events. Once the problematic events are identified, the service provider may identify corrective actions to avoid or reduce the repetitive events, such as by merging data into one or more events.
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公开(公告)号：US11586622B2
公开(公告)日：2023-02-21
申请号：US17370803
申请日：2021-07-08
申请人： PayPal, Inc.
发明人： Vinay Dwivedi , Varun Reddy Putta
IPC分类号： G06F16/242 , G06F16/2453 , G06F16/248 , G06F16/28
摘要： Techniques are disclosed relating to methods that include preprocessing, by a computer system, records of a database to create one or more token sets for a given record. The created token sets may correspond to ones of a plurality of search string functions, and may include token sets that include a plurality of possible substrings located within data strings of a corresponding database record. The methods may further include receiving a query for a search of the database. The query may include at least one of the plurality of search string functions. The method may also include performing the search by traversing, using at least a portion of the records, at least one token set corresponding to the included search string functions, as well as returning results for the search based on the query and the traversing.
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19.发明授权公开(公告)号：US11580597B2
公开(公告)日：2023-02-14
申请号：US17529790
申请日：2021-11-18
申请人： PayPal, Inc.
发明人： Hugo Olliphant , Ray Tanaka , Alan Tien , Roy Vella
IPC分类号： G06Q40/02 , G06Q30/0601 , G06Q40/00 , G07F17/16 , G06Q30/02 , G06Q20/22 , G06Q30/0251
摘要： Methods and systems for automatically providing dynamic content for facilitating a transaction are described herein. An online marketplace is accessed by a client device over a network. A user identifier associated with the client device is passed to a payment service provider via a merchant system associated with the online market place. Dynamic content is generated by the payment service provider in response to the user identifier and subsequently served to the client device over the network.
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公开(公告)号：US11580548B2
公开(公告)日：2023-02-14
申请号：US16736260
申请日：2020-01-07
申请人： PayPal, Inc.
摘要： A user device is associated with a dynamic trust score that may be updated as needed, where the trust score and the updates are based on various activities and information associated with the mobile device. The trust score is based on both parameters of the device, such as device type, registered device location, device phone number, device ID, the last time the device has been accessed, etc. and activities the device engages in, such as amount of transactions, dollar amount of transactions, amount of denied requests, amount of approved requests, location of requests, etc. Based on a transaction request from the user device, the trust score and a network reputation score is used to determine an overall trust/fraud score associated with the transaction request.
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