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公开(公告)号：US20220188786A1
公开(公告)日：2022-06-16
申请号：US17559760
申请日：2021-12-22
申请人： PayPal, Inc.
摘要： Systems and methods for managing user data across multiple applications and devices are disclosed. An example method includes: detecting a user is conducting a transaction using a first application installed on a user device; determining that the user is requesting one or more payment options from a first merchant associated with the first application; determining that a global payment method is selected by the user; determining that the user device is a trusted device associated with the user; and in response to determining that the user device is a trusted device, providing the global payment method to the user in the first application on that same device or a different device.
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公开(公告)号：US11316751B2
公开(公告)日：2022-04-26
申请号：US16659394
申请日：2019-10-21
申请人： PAYPAL, INC.
IPC分类号： H04L12/24 , H04L41/147 , G06N20/00 , H04L41/0893 , H04L43/0876
摘要： The adaptive learning systems described herein may include machine-learning engines, product configuration engines, and/or various other components configured to improve the efficiency of processing transactions. The systems described herein may detect and/or predict declined transactions, token deficiencies, insufficient system capacities, and/or other system anomalies. As such, the system may perform operations to generate additional tokens associated with assets, provision various bin ranges, and/or share reserve capacities, and/or other operations. Thus, the system may improve system efficiencies, ensure reliability and operability across the system, and optimize the operations for successfully processing transactions.
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公开(公告)号：US11295306B2
公开(公告)日：2022-04-05
申请号：US16730436
申请日：2019-12-30
申请人： PAYPAL, INC.
发明人： Srivathsan Narasimhan , Cheng Tian
摘要： Systems and methods for an account integration system include establishing, by a service provider device, a first session with a service provider account associated with a user. After determining that a second session between a user device and the third party account of the user is active, a first validation is caused to access third party account information associated with the second session. The third party account information and the service provider account information are concurrently displayed by a display interface of the service provider device. A transaction request for a transaction associated with the service provider account and the third party account of the user is received. Information is sent to cause a second validation of the transaction request by a provider of the third party account. In response to the second validation of the transaction request, the requested transaction is processed.
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公开(公告)号：US20210243153A1
公开(公告)日：2021-08-05
申请号：US17117892
申请日：2020-12-10
申请人： PAYPAL, INC.
摘要： Methods and systems for a device identification system may be provided. The device identification system may determine an identity of a user device associated with a transaction. The identity may be determined by network address information, hard link information, soft link information, and/or other such information. The network address information may include IPv4 information, IPv6 information, a device ID, and/or other such information. The identity of the user device may be determined and a transaction conducted from the user device may be assigned a fraudulent transaction risk score according to the information. Transactions that are determined to be at a high risk of fraud may be reviewed or otherwise flagged and/or canceled.
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公开(公告)号：US11017070B2
公开(公告)日：2021-05-25
申请号：US16455738
申请日：2019-06-27
申请人： PAYPAL, INC.
摘要： There are provided systems and methods for visual data processing of mimed images for authentication. Authentication may be required for a user and/or an account of the user, for example, to verify the identity of the user or allow the user to access and use the account of the user. As an additional factor to authentication, increased authentication may be accomplished through who and what the user is, such as through facial recognition and biometrics of the user. During authentication, the user may be presented with a set of images or icons, such as digital emojis, that convey and emotion or idea. The user may be asked to mimic the emojis during authentication, where the user's facial expression is recorded. To authenticate the user, the recorded data may be compared to past data through facial recognition processing and image analysis to find similarities.
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公开(公告)号：US10776808B2
公开(公告)日：2020-09-15
申请号：US15464831
申请日：2017-03-21
申请人： PAYPAL, INC.
摘要： A computer system detects the reception of a first token associated with a first transaction. The computer system determines that a first Payments Reward Identifier (PRI) is associated with the first token by accessing a PRI database. In response to determining that the first PRI is associated with the first token, the computer system accesses the PRI database and determines that the first PRI is associated with a record within the PRI database that corresponds to a first rewards ID (RID). In response to determining that the first PRI is associated with a record within the PRI database that corresponds to the first rewards, the computer system determines a first rewards amount corresponding to the first transaction, and updates a total rewards amount, in a rewards database, corresponding to the determined first RID based on the first rewards amount.
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公开(公告)号：US10706850B2
公开(公告)日：2020-07-07
申请号：US16037854
申请日：2018-07-17
申请人： PayPal, Inc.
发明人： Cheng Tian , Srivathsan Narasimhan
摘要： Systems and methods for providing location based voice recognition include receiving, through a first microphone, an audio signal from a first user that includes an audio command requesting a service that requires user authorization before access to at least a portion of the service is granted. The user authorization is based on voice recognition (e.g., voice authentication and/or voice identification) of the audio signal. The source location of the audio signal is determined and a user location of the first user is determined. If the source location of the audio signal correlates with the user location, voice recognition on the audio signal may be performed. The first user may be authorized to access the service based on the voice recognition performed on the audio signal.
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公开(公告)号：US10546296B2
公开(公告)日：2020-01-28
申请号：US15296481
申请日：2016-10-18
申请人： PAYPAL, INC.
摘要： Systems and methods for public ledger authentication include receiving a first previous authentication public ledger address and a first current authentication public ledger address from a user. A verified static user key is identified in a public ledger using the first previous authentication public ledger address. A second current authentication public ledger address is then provided to the user for use in the current authentication attempt. Authentication attempt information is determined that includes a number of authentication attempts by the user, and used in a hash operation with the verified static user key to generate a first user authentication key. A second user authentication key is retrieved from the public ledger that was sent from the first current authentication public ledger address to the second current authentication public ledger address in a transaction, and the user is authenticated if the second user authentication key matches the first user authentication key.
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9.发明申请公开(公告)号：US20190095911A1
公开(公告)日：2019-03-28
申请号：US15714062
申请日：2017-09-25
申请人： PAYPAL, INC.
发明人： Srivathsan Narasimhan , Cheng Tian
摘要： Systems and methods for an account integration system include establishing, by a service provider device, a first session with a service provider account associated with a user. After determining that a second session between a user device and the third party account of the user is active, a first validation is caused to access third party account information associated with the second session. The third party account information and the service provider account information are concurrently displayed by a display interface of the service provider device. A transaction request for a transaction associated with the service provider account and the third party account of the user is received. Information is sent to cause a second validation of the transaction request by a provider of the third party account. In response to the second validation of the transaction request, the requested transaction is processed.
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公开(公告)号：US20190051304A1
公开(公告)日：2019-02-14
申请号：US16037854
申请日：2018-07-17
申请人： PayPal, Inc.
发明人： Cheng TIAN , Srivathsan Narasimhan
摘要： Systems and methods for providing location based voice recognition include receiving, through a first microphone, an audio signal from a first user that includes an audio command requesting a service that requires user authorization before access to at least a portion of the service is granted. The user authorization is based on voice recognition (e.g., voice authentication and/or voice identification) of the audio signal. The source location of the audio signal is determined and a user location of the first user is determined. If the source location of the audio signal correlates with the user location, voice recognition on the audio signal may be performed. The first user may be authorized to access the service based on the voice recognition performed on the audio signal.
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