公开(公告)号：US20230093143A1

公开(公告)日：2023-03-23

申请号：US17481162

申请日：2021-09-21

申请人： PAYPAL, INC.

发明人： George Chen Kaidi ,  Antony Amalraj Morais

IPC分类号： G06F21/46 ,  G06F21/31 ,  H04L29/06 ,  H04L9/06

摘要： There are provided systems and methods for split one-time password digits for secure transmissions to selected devices. Authentication credentials and one-time password operations by a service provider, such as an electronic transaction processor for digital transactions, may be compromised by malicious computing attacks or other actions that compromise the security of data and communications. To increase security of the data within a communication and authentication operations, a split one-time password system may be implemented. A user may preset a number of known digits for a one-time password with a profile and/or account. When multifactor authentication is required, randomized digits may be generated using a hash algorithm and may be transmitted to the user with instructions for completion of the one-time password. The user may be required to specifically enter the known digits with the randomized digits to properly pass the multifactor authentication.

公开(公告)号：US20230133349A1

公开(公告)日：2023-05-04

申请号：US17517977

申请日：2021-11-03

申请人： PayPal, Inc.

发明人： Antony Amalraj Morais

IPC分类号： H04L9/06 ,  H04L9/32 ,  H04L9/08 ,  G06F9/46 ,  G06N20/00

摘要： Blockchain latency is improved by unclogging a mempool, which frees up electronic memory and reduces CPU usage and network bandwidth. Mining data of one or more initial blocks of a blockchain is accessed. The mining data reveals, for each miner, the time delay between individual transactions mined by that miner. A subset of miners is then determined to have lower time delays than miners not in the subset. Thereafter, a different random number is generated for each new block of the blockchain system to be mined. Based on a comparison of this random number and a predefined threshold, either an exploitation phase or an exploration phase is entered for the mining of each new block. In the exploitation phase, mining tasks are assigned only to the subset of the miners. In the exploration phase, mining tasks are assigned to both miners within the subset and miners not in the subset.

公开(公告)号：US20230136805A1

公开(公告)日：2023-05-04

申请号：US17514344

申请日：2021-10-29

申请人： PAYPAL, INC.

发明人： Antony Amalraj Morais

IPC分类号： G06Q40/04 ,  G06F16/27 ,  G06Q20/40

摘要： There are provided systems and methods for dynamic execution of distributed records based on trigger conditions. A service provider may provide operations for dynamic execution of smart contracts that are recorded to records of a distributed ledger for a blockchain. The smart contracts include trigger conditions that cause automatic execution of the smart contracts when met, such as when an exchange rate is met or exceeded for converting funds from a currency to another currency. The smart contracts include wait times for monitoring the exchange rate until the smart contracts end. A blockchain oracle serves as a secure middleware application that may monitor live exchange data while pushing data to the blockchain to determine if a smart contract is to be executed. If met, the smart contracts may be executed based on the user input. If not, it will either be voided or executed at the latest exchange rate.