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Paypal Inc patents


Recent patent applications related to Paypal Inc. Paypal Inc is listed as an Agent/Assignee. Note: Paypal Inc may have other listings under different names/spellings. We're not affiliated with Paypal Inc, we're just tracking patents.

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 new patent  Dynamic emoji modal actions

A system and method for receiving and executing emoji based commands in messaging applications. 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.. ... Paypal Inc

 new patent  Token-based determination of transaction processing resources

The method comprises receiving a token request, from a first transaction system, for generating a token associated with a user account. Responsive to receiving the token request, generating the token that authorizes use of an initial transaction resource at a second transaction system. ... Paypal Inc

 new patent  Methods and systems for selecting accounts and offers in payment transactions

Embodiments provide systems, methods, processes, computer program code and means for using mobile devices to conduct payment transactions at merchant locations including brick and mortar locations and remote locations as well as for person to person transactions.. . ... Paypal Inc

 new patent  Instant availability of electronically transferred funds

A system and method for making proceeds of a transaction available to a user before the transaction is completed is provided. The system may be part of an on-line system or traditional merchant configured to facilitate payments or fund transfers from users. ... Paypal Inc

 new patent  Service test validation framework

The systems and methods that validate data are provided. The systems and methods include a validation module which is a single solution for validating data in multiple services. ... Paypal Inc

 new patent  Merchant/customer pos interaction system

Systems and methods for providing merchant/customer interaction include determining that a tablet computer is in a merchant orientation, retrieving merchant product information according to a received instruction and merchant orientation information, and displaying a merchant screen on the tablet computer that includes the merchant product information according to the merchant orientation information. A change in the orientation of the tablet computer enclosure/stand is then detected from the merchant orientation to a customer orientation. ... Paypal Inc

Method and product for providing a predictive security product and evaluating existing security products

A method, product and computer program product for building a malware detector, the method including the steps of: receiving at least one characteristic for each of a plurality of malware variants; categorizing each of the characteristics as a malicious characteristic or a non-malicious characteristic; generating a detector; training the detector to distinguish between the malicious characteristic and the non-malicious characteristic; and rating the detector based on an accuracy of detection of an amount of malicious characteristics for each malware variant.. . ... Paypal Inc

Location based transactions

A user's location is determined by location information communicated by a user device, such as a smart phone. Merchants near the user location are determined and selected. ... Paypal Inc

Travel account

A user can set up a travel account with a payment provider, to inform the payment provider of expected dates and locations of travel, along with limits or restrictions at the various locations and/or dates. When the user travels and attempts to make a payment, the payment provider can determine the location and date to aid in processing the payment request, resulting in an easier process for the user, while still providing additional security with the limits and restrictions.. ... Paypal Inc

Systems and methods for providing payment hotspots

Systems and methods are provided for facilitating payments between users of the system such as person-to-person payments using a payment hotspot. A payment hotspot or payspot may be generated by a first user device of a first user to facilitate a transfer of funds between the first user and the second user. ... Paypal Inc

Unexpected event detection during execution of an application

A computer-implemented method is provided. The method may include generating a state model for an application including a plurality of modeled stack traces generated via execution of a plurality of characterization scenarios of the application. ... Paypal Inc

Location-based services

Provided herein are methods and systems relating to location-based services such as providing a geofencing, outputting location-based information on a mobile device, varying transmissions to and from a mobile device, and providing location-based alerts. More specifically, a method can include receiving a task on a mobile device, associating the task with a location, generating a geofence around the location associated with the task, tracking a current location of a the mobile device, and generating an alert associated with the task when the current location is within the geofence.. ... Paypal Inc

Data communication using audio patterns systems and methods

Systems and methods for data communication using audio patterns are described. The methods include encoding a message into an audio pattern, mixing the audio pattern with an audio content to obtain a mixed audio content, wherein the audio pattern is inaudible in the mixed audio content, and transmitting the mixed audio content.. ... Paypal Inc

System and method of site outage management

Systems and methods of site outage management are disclosed. In some example embodiments, a service outage of an online service is detected. ... Paypal Inc

05/03/18 / #20180121996

Facilitating purchases using peripheral devices

A peripheral device, e.g., a headphone, connected to a communication device may have controls that are configured to switch between a regular mode and a purchase mode. When in the purchase mode, the controls of the peripheral device may be configured to facilitate purchase by receiving user input related to making a purchase. ... Paypal Inc

05/03/18 / #20180121954

Enhanced advertisement blocking

A computer system determines a financial health rating for a user based on financial information associated with the user. The computer system detects receipt of digital content that includes an advertisement. ... Paypal Inc

05/03/18 / #20180121947

Digital content provided to a user at a physical location

A method for providing a promotion to a user to do commerce at a physical location includes offering a right to a particular piece of digital content to the user as an incentive to a commercial transaction that occurs at least partly at the physical location, discerning that the user is located at the physical location, and in response to the discerning, interacting with the user to provide the digital content to the user on a mobile device associated with the user.. . ... Paypal Inc

05/03/18 / #20180121920

In-store card activation

A user having an account with a payment provider receives an unregistered payment card that is associated with the payment provider, and that includes a magnetic strip encoded with a number unique to the card and a machine readable code such as a qr/barcode embossed thereon. The user may then open an application on the user's mobile device to capture the number associated with the card by, for example, scanning the qr/barcode, capturing an image of the number, speaking the number into the device, or manually entering the number into the user's device. ... Paypal Inc

05/03/18 / #20180121905

Interactive display based on near field communications

Systems and methods for providing interaction between a user device and an interactive display system using near field communications are provided. The interactive display system includes a display panel configured to present visual content and near field communication (nfc) devices behind or within the display panel. ... Paypal Inc

05/03/18 / #20180121893

Completion of online payment forms and recurring payments by a payment provider systems and methods

There is provided systems and method for automatic completion of online payment forms and recurring payments. The methods include determining if a user is engaged in a financial transaction, requesting permission to use an payment provider to complete the financial transaction, and completing the financial transaction using the payment provider if permission is granted, wherein the payment provider provides user information to complete the financial transaction. ... Paypal Inc

05/03/18 / #20180121400

Visual state comparator

In various example embodiments, systems and methods for providing visual state comparisons is provided. In example embodiments, parameters are received from a user device of a user. ... Paypal Inc

05/03/18 / #20180121216

Configurable interfaces

Embodiments of a method and system for utilizing a configurable interface are disclosed. User information for a first user is accessed. ... Paypal Inc

05/03/18 / #20180120945

Gesture identification

Various methods and systems are provided to allow a user to perform finger gesture motions, such as making typing, swiping, tapping, or other types of finger motions to provide device input, such as typing, clicking, or selecting data into a webpage, application, operating system, or toolbar, that was normally performed by the user having to use a keyboard, mouse, stylus, microphone, touchscreen, or another input device.. . ... Paypal Inc

04/19/18 / #20180108039

Systems and methods for checking a user into a location using a packet sequence including location information

Systems and methods are disclosed which may allow a user having a mobile device to check in to a location using a packet sequence that includes information for identifying the location transmitted by one or more bluetooth® low energy (ble) beacons at or near the location. The user may be able to store packet sequences for various locations that may allow the user to automatically check into these locations using the store packet sequences.. ... Paypal Inc

04/19/18 / #20180108003

Location-based device and authentication system

Systems and methods for device and payment management include detecting, through a first network, that a user device that is associated with a user is located at a trusted location. A first anticipated activity that is associated with the user is determined. ... Paypal Inc

04/19/18 / #20180107944

Processing machine learning attributes

Systems and methods for processing machine learning attributes are disclosed. An example method includes: identifying a user transaction associated with a set of transaction attributes and a first transaction status; selecting, based on a risk evaluation model, a first plurality of transaction attributes from the set of transaction attributes; modifying a first value of a first transaction attribute in the first plurality of transaction attributes to produce a first modified plurality of transaction attributes; determining, based on the risk evaluation model, that the first modified plurality of transaction attributes identify a second transaction status different from the first transaction status; and in response to the determining, identifying the first transaction attribute as a risk attribute associated with the user transaction.. ... Paypal Inc

04/19/18 / #20180107272

User physical attribute based device and content management system

Systems and methods for device and content management include determining a user is viewing virtual reality content from a user device, and receiving, through a network from the user device, body information associated with the user while the user is viewing the virtual reality content. A user device management configuration associated with the body information is determined. ... Paypal Inc

04/12/18 / #20180103109

Application redirection system

Systems and methods for redirecting control of a process performed on a browser application on a user device accessing a web application to a native application on the user device include receiving, through a web application controlling a process, a request to perform an action (e.g., user authentication). A determination is made whether the request identifies a native application feature for completing the action that is preferable over a web application feature for completing the same action. ... Paypal Inc

04/12/18 / #20180103025

Systems and methods for location-based device security

A device may collect environmental information surrounding the device. Based on the collected environmental information, the device may automatically identify a potentially secured location that has lower security risk. ... Paypal Inc

04/12/18 / #20180103024

Identity data based on aggregating input data

A computing device, a system, and a method are provided to receive a number of inputs associated with one or more sensors of the computing device. One or more processors are configured to determine input data based on the number of inputs and authenticate a user account based on the input data. ... Paypal Inc

04/12/18 / #20180101881

Predictive engine for online distribution of sensitive transaction processing information

There are provided systems and methods for a predictive engine for online distribution of sensitive transaction processing information. A first user may utilize a communication device to perform transaction processing, which may cause generation of a transaction history, such as a receipt, that documents the transaction. ... Paypal Inc

04/12/18 / #20180101865

Intelligent online account lifecycle maintenance through automated event monitoring

There are provided systems and methods for intelligent online account lifecycle maintenance through automated event monitoring. A user may utilize an online account with the service provider to perform various actions and generate account usage data. ... Paypal Inc

04/12/18 / #20180101834

Wireless communication beacon offer and transaction system

A customer communication system includes a non-transitory memory storing data that identifies a customer account and a merchant account, and one or more hardware processors coupled to the non-transitory memory and configured to execute instructions to cause the system to perform operations. The operations includes receiving, from a mobile customer device, beacon information that was received by the mobile customer device from a beacon broadcast by a merchant device, wherein the beacon information identifies a merchant associated with the merchant device. ... Paypal Inc

04/12/18 / #20180101829

Virtual currency secured physical currency transmission system

Virtual currency ledger secured physical currency transmissions include receiving a physical currency transfer request from a physical currency receiver device of a physical currency receiver, and identifying a physical currency deliverer device of a physical currency deliverer. A physical currency delivery confirmation code is then associated with a recipient identified in the physical currency transfer request, and a virtual currency address controlled by the physical currency deliverer and included in a virtual currency public ledger is identified to the physical currency receiver device. ... Paypal Inc

04/12/18 / #20180101674

Hardening security images

Methods and systems are provided for electronic authentication. A modified electronic image is generated by altering at least a pixel of an electronic image. ... Paypal Inc

04/12/18 / #20180101618

Composite search results

Systems and methods of providing composite search results are disclosed. A search query may be received by a general purpose search engine of a first website from a user. ... Paypal Inc

04/12/18 / #20180099630

System configurations to retrieve review data and transmit notifications to mobile devices

Various systems, mediums, and methods may be implemented to retrieve data from a user's mobile device. In one example, a system may determine a number of reviews received by the user's mobile device. ... Paypal Inc

04/05/18 / #20180097905

Predictive analysis of computing patterns for preloaded data to reduce processing downtime

There are provided systems and methods for predictive analysis of computing patterns for preloaded data to reduce processing downtime. A user may utilize a computing device to interact with a service provider over a network connection, for example, to utilize one or more services or processes of the service provider. ... Paypal Inc

04/05/18 / #20180096355

Voice activated remittances

A system is provided for voice activated remittances. The system may perform operations that include receiving at least one audio stream corresponding to a real-time voice communication between a first user and a second user and identifying, based on the at least one audio stream, a set of words. ... Paypal Inc

04/05/18 / #20180096334

Voice activated remittances

A system is provided for voice activated remittances. The system may perform operations that include receiving at least one audio stream corresponding to a real-time voice communication between a first user and a second user and identifying, based on the at least one audio stream, a set of words. ... Paypal Inc

04/05/18 / #20180096333

Voice activated remittances

A system is provided for voice activated remittances. The system may perform operations that include receiving at least one audio stream corresponding to a real-time voice communication between a first user and a second user and identifying, based on the at least one audio stream, a set of words. ... Paypal Inc

04/05/18 / #20180096320

Account top-up feature to interface with a vendor application programming interface

There are provided systems and methods for an account top-up feature to interface with a vendor application programming interface (api). A user may utilize a communication device while shopping or otherwise performing transaction processing, where the user may require additional funds to be deposited within an account of the user for transaction processing with a service provider. ... Paypal Inc

03/29/18 / #20180089872

On-demand image spriting

A system receives a page request for a requested document, where the requested document specifies a set of first images as being presentable within the requested document. In response to the received page request, the system modifies the requested document and generates a modified document. ... Paypal Inc

03/29/18 / #20180089756

Wireless beacon connections for providing digital letters of credit on detection of a user at a location

There are provided systems and methods for wireless beacon connections for providing digital letters of credit on detection of a user at a location. A payment provider may authorize use of one or more wireless beacons at a merchant location. ... Paypal Inc

03/29/18 / #20180089745

Managing queueing and de-queueing operations of transaction queues

A method for managing transaction queues is discussed. The method includes receiving, from a marketplace, a first communication indicating a cart, the cart comprising items for purchase, the items originating from one or more sellers. ... Paypal Inc

03/29/18 / #20180089744

Managing de-queueing operations of transaction queues

A method for managing de-queuing of transaction queues is discussed. The method includes determining a queue capacity of a queue, where the queue includes a plurality of requested transactions. ... Paypal Inc

03/29/18 / #20180089742

Dynamic website personalization and data sharing

While website or other user content is often static, dynamic content personalization may allow for a better user experience. One way to personalize content, such as web content, is to gather information on a user, and then use that information to augment content. ... Paypal Inc

03/29/18 / #20180089703

Managing de-queueing operations of transaction queues

A method for managing de-queueing of transaction queues is discussed. The method includes determining a queue capacity of a queue, the queue includes a plurality of requested transactions. ... Paypal Inc

03/29/18 / #20180089682

Managing fraudulent sign-ups at payment systems

A method for detecting fraudulent sign-ups at a payment system is discussed. The method includes receiving a suspect sign-up request for creating a new user account at the payment system. ... Paypal Inc

03/29/18 / #20180089676

Dynamic multi-website data collection and data sharing

While web site content is often static, dynamic web content personalization may allow for a more beneficial user experience. The present disclosure discusses gathering information on a user from a plurality of different websites, on which the user may be identified differently. ... Paypal Inc

03/29/18 / #20180089674

Managing fraudulent logins at payment systems

A method for detecting fraudulent logins at a payment system is discussed. The method includes receiving a suspect login request for logging into an existing user account at the payment system. ... Paypal Inc

03/29/18 / #20180089650

Using disbursement signals at payment systems

A method for reconfiguring disbursement signals at a payment system is discussed. The method includes receiving a general disbursement signal for triggering a first fund transfer of a portion of funds from a buyer account to a general account at the payment system, the first fund transfer for purchasing an item via a marketplace. ... Paypal Inc

03/29/18 / #20180089649

Managing disbursement signals at payment systems

A method for managing disbursement signals at a payment system is discussed. The method includes selecting a source of a general disbursement signal indicating a requested transfer of a first portion of funds from a buyer account to a general account at the payment system. ... Paypal Inc

03/29/18 / #20180089216

File slack leveraging

A system and method for utilizing slack space as another file system. The system identifies available slack space caused by storing data on a drive. ... Paypal Inc

03/22/18 / #20180082299

Risk analysis and fraud detection for electronic transaction processing flows

There are provided systems and methods for risk analysis for fraud detection for electronic transaction processing flows. An entity, such as a user, business, or other personal or commercial entity, may interact with another entity in order to engage in a transaction, for example, a purchase, transfer, or other transaction process. ... Paypal Inc

03/22/18 / #20180082284

Processing a transaction using a multiple-use token

In some embodiments, a method of processing a multiple-use token includes receiving a first request to pay for an online transaction using a digital wallet. The online transaction is between the user and a merchant application. ... Paypal Inc

03/22/18 / #20180082060

System call vectorization

The systems and methods that detect malware from count vectors are provided. A count vector having multiple components is generated. ... Paypal Inc

03/15/18 / #20180077201

Enhanced security techniques for remote reverse shell prevention

When a computer system is compromised by a malicious user, detecting or preventing the malicious user can improve the security and efficiency of the computer system, as well as prevent data from being deleted or corrupted and/or stolen. An attacker who compromises a computer system is likely to take certain actions to exert control over the computer or avoid detection. ... Paypal Inc

03/15/18 / #20180077135

Eliminating abuse caused by password reuse in different systems

Methods, systems, and computer program products for eliminating abuse caused by password reuse in different computer systems are disclosed. For example, a computer-implemented method may include receiving a security request comprising an anonymized version of authentication data from a first computer system of a first organization, analyzing the security request to determine a second computer system of a second organization to contact for detecting reuse of the authentication data, generating a second security request comprising the anonymized authentication data for the second computer system, sending the second security request to the second computer system of the second organization, analyzing a response to the second security request from the second computer system to determine whether the anonymized authentication data associated was detected, and providing a response to the first security request indicating whether the second computer system detected reuse of the authentication data.. ... Paypal Inc

03/15/18 / #20180075418

Scope-delimited sharing of encoded sensitive data

Techniques for providing access to scope-delimited sensitive data are disclosed. A user provides sensitive data to a first party associated with a payment service provider. ... Paypal Inc

03/15/18 / #20180075239

Techniques for ransomware detection and mitigation

An attacker who gains control of a computer system using malicious software (malware) may be able to do anything to the data on the system. One type of malware, sometimes referred to as ransomware, can encrypt the contents of a hard drive or other data repository, preventing those contents from being accessed by their rightful owners. ... Paypal Inc

03/15/18 / #20180075234

Techniques for detecting encryption

Encryption operations may be performed by a computer system for various reasons. It is often unclear, however, whether one of the many processes executing on a system is performing encryption. ... Paypal Inc

03/15/18 / #20180075058

Sensitive data management

A system for discovering and monitoring data movement across the file system on a specific device or across the network, which enables to detect data leakage and locate specific data across the organization. The system tracks files by having devices maintain a record of hash values associated with a file in a tables of hash values. ... Paypal Inc

03/08/18 / #20180069940

Proxied push notifications based on user interaction

Systems and methods are provided that allow a proprietor of a location or merchant to which a user is interacting through a third party to send a push notification to a user device associated with the user using the third party as a proxy. The provided systems and methods may assign an interaction identifier to the user and interaction when an interaction request is received by the third party that may be later used to identify the user and user device to which a notification received from the proprietor or merchant will be pushed. ... Paypal Inc

03/08/18 / #20180069869

Application platform with flexible permissioning

Systems and methods are provided for an application platform with flexible permissioning according to one or more embodiments. In one embodiment, an application platform with flexible permissioning comprises: a service provider server adapted to interact with an application development server and a client device over a network, wherein the service provider server is adapted to implement at least one application programming interface (api); one or more processors; and one or more memories adapted to store a plurality of machine-readable instructions which when executed by the one or more processors are adapted to cause the application platform with flexible permissioning to: maintain, at the service provider server, a profile associated with at least one application developer using the application development server; receive an api call from the application developer; authenticate the application developer and authorize the api call; assign an access level to the application developer based on the profile associated with the application developer; and control permissions given to the application developer to perform operations available based on the assigned access level.. ... Paypal Inc

03/08/18 / #20180068373

Systems and methods for generating location-based group recommendations

Methods and systems for generating location-aware group recommendations are discussed. For example, a method can include operations for receiving a group recommendation request, accessing user profile data associated with members of the group, and generating a group recommendation. ... Paypal Inc

03/08/18 / #20180068364

Customer shopping help system

Systems and methods for providing customer shopping help include a system provider device that receives first customer location information from a plurality of beacon devices at a merchant physical location. The first customer location information is collected during a shopping session from a first customer device that is associated with a first customer. ... Paypal Inc

03/08/18 / #20180068298

Trusted remote attestation agent (traa)

Systems and methods for use with a service provider and a consumer electronic device include a trusted remote attestation agent (traa) configured to perform a set of checking procedures or mechanisms to help ensure the security status of a consumer electronic device (e.g., a mobile terminal or phone) that holds financial instruments. The checking procedures may include: self-verifying integrity by the traa; checking for presence of a provisioning sim card (one that was present when the financial instruments were enabled on the device); checking that a communication connection between the consumer electronic device and the service provider is available and active; and checking that communication connectivity to a home mobile network is available and active. ... Paypal Inc

03/08/18 / #20180068289

Systems, methods, and computer program products for providing an electronic receipt

The present disclosure provides an exemplary system, method, and computer program product. The exemplary system includes at least one non-transitory memory storing user account information, wherein the information comprises a digital receipt associated with a user purchase and one or more conditions for delivering the digital receipt. ... Paypal Inc

03/01/18 / #20180063226

Distributed steam processing

A method and system for forming hybrid cluster to process log files are described. In example embodiments, a method configures a node to execute as a first slave node. ... Paypal Inc

03/01/18 / #20180063151

System configurations for data stream accessibility

Obtaining information may be increasingly more challenging in modern times. The systems described herein enable a user to have access to one or more data streams. ... Paypal Inc

03/01/18 / #20180063104

Differential client-side encryption of information originating from a client

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. ... Paypal Inc

03/01/18 / #20180063054

Video mail through peer to peer network

Illustrated is a system and method to record video mail using a peer to peer network. In some embodiments, a first computer system is operatively coupled to a second computer system, wherein the first and second computer systems are in a peer-to-peer configuration, a receiver resides on the second computer system to receive a video mail message, and a storage device resides on the second computer system to store the video mail message. ... Paypal Inc

03/01/18 / #20180063028

Configuring a service based on manipulations of graphical representations of abstractions of resources

A method to enable defining of a profile of a service through manipulation of graphical representations of abstractions of resources in a data center is disclosed. The profile of the service is accessed. ... Paypal Inc

03/01/18 / #20180062937

Adaptive learning system with a product configuration engine

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. ... Paypal Inc

03/01/18 / #20180060947

Method and system to enhance presentation of a shared resource

Method and system to enhance the presentation of a pinned resource is provided. Users may be provided with an option to enhance the presentation of a shared (or pinned) resource by attaching to it a visual control that indicates that the resource can represent an item of merchandise and that the resource is associated with functionality that would allow a user to purchase an item depicted in the pinned resource.. ... Paypal Inc

03/01/18 / #20180060864

Secure elements broker (seb) for application communication channel selector optimization

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.. . ... Paypal Inc

03/01/18 / #20180060860

Expedited virtual currency transaction system

Expedited virtual currency transactions are provided by identifying a first user primary wallet associated with a virtual currency and including a first user primary wallet private key. First user secondary wallets are created that each include a respective first user secondary wallet private key, and a respective virtual currency transaction is performed using the first user primary wallet private key to transfer predefined amounts of the virtual currency from the first user primary wallet to each of the first user secondary wallets such that first user secondary wallets are provided with different predefined amounts of the virtual currency. ... Paypal Inc

03/01/18 / #20180060851

Point-of-sale systems

A point-of-sale (pos) system is provided. The pos system may include an adjustable housing configured to receive a computing device. ... Paypal Inc

03/01/18 / #20180060846

Aggregation system for item retrieval

Various systems, mediums, and methods herein describe mechanisms that enable a user to send a request from her smartphone to multiple retriever devices, such that an item may be retrieved for the user. At least one of the users of the retriever devices may accept the request to retrieve the item for the requesting user. ... Paypal Inc

03/01/18 / #20180060843

Preemptive data processing to mitigate against overdraft and declined transaction

A system or method may implement an overdraft prediction analysis to predict whether an account overdraft is about to occur. The overdraft prediction analysis may be based on: 1. ... Paypal Inc

03/01/18 / #20180060837

Discount based self expediting approach for electronic funds transfers

In an embodiment, a method comprises obtaining a request to perform a first electronic funds transfer transaction from a user to a receiver, wherein the request specifies a principal amount of funds; selecting a fee amount; determining a sum of the fee amount and the principal amount; initiating a transfer of the sum from a bank account of the user without informing the user of the fee amount or the sum; requesting the user to provide the sum; receiving user input specifying a numeric value; determining whether the numeric value matches the sum; in response to determining that the numeric value matches the sum, releasing the first transaction without waiting for an end of a waiting time period specified in one or more financial regulations; wherein the method is performed by one or more computing devices.. . ... Paypal Inc

03/01/18 / #20180060577

Render engine, and method of using the same, to verify data for access and/or publication via a computer system

A method and system to verify active content at a server system include receiving, at the server system a communication (e.g., an e-mail message or e-commerce listing) that includes active content that is to be made accessible via the server system. At the server system, the active content is rendered to generate rendered active content. ... Paypal Inc

03/01/18 / #20180060460

Simulating a production environment using distributed computing technologies

Systems and methods for query large database records are disclosed. An example method includes: selecting a user-specified test program for execution; determining one or more testing parameters associated with the user-specified test program; identifying, based on the one or more testing parameters, computing nodes within a distributed computing system; generating, based on the user-specified test program, a first plurality of computing tasks for execution by the computing nodes. ... Paypal Inc

03/01/18 / #20180060341

Querying data records stored on a distributed file system

Systems and methods for query large database records are disclosed. An example method includes: obtaining a first search query including a first keyword; accessing a relational database that stores a mapping between one or more keywords and a data record location associated with a distributed file system (dfs). ... Paypal Inc

02/22/18 / #20180054455

Utilizing transport layer security (tls) fingerprints to determine agents and operating systems

A computer system receives a first information detailing a tls fingerprint. A computer system determines an amount of bad transactions associated with the tls fingerprint, wherein a bad transaction is a transaction involved in one or more fraudulent activities. ... Paypal Inc

02/22/18 / #20180054443

Utilizing transport layer security (tls) fingerprints to determine agents and operating systems

A computer system receives, from a first set of computing devices, a first information. The computer system creates a model based on the first information, wherein the model correlates one or more tls fingerprints to one or more agents. ... Paypal Inc

02/22/18 / #20180054440

Utilizing transport layer security (tls) fingerprints to determine agents and operating systems

A computer system receives, from a first set of computing devices, a first information. The computer system creates a model based on the first information, wherein the model correlates one or more tls fingerprints to one or more agents. ... Paypal Inc

02/22/18 / #20180054430

Passporting credentials between a mobile app and a web browser

Systems and methods for passporting credentials provide a mechanism by which a native app on a client device can invoke a service provider's core web site web addresses (url) while keeping the existing session active and shared between the two experiences (native app and web flow) so that the end user does not need to re-login at each context switch. The mechanism can include a unique way for the web flow context to communicate conditions and pass control back to the native app context of the shared session.. ... Paypal Inc

02/22/18 / #20180053183

One line in-context user interface

The systems and methods that generate a one-touch frame are provided. A line of code including a tag is inserted into a webpage. ... Paypal Inc

02/22/18 / #20180053165

System and method for payment on call in a networked environment

A computer-implemented method and system is disclosed in which a network-based environment includes a system to connect systems over a voice communication connection, create a record associated with the voice communication connection, initiate a request over the voice communication connection, and provide a confirmation of the request upon completing the request over the communication connection.. . ... Paypal Inc

02/22/18 / #20180053105

Model training for multiple data spaces for pattern classification and detection

Various systems, mediums, and methods to process requests involve retrieving a first pattern detection model that is configured to detect a plurality of first patterns based on features of the first patterns. Processing the requests also includes retrieving a plurality of second patterns and selecting a plurality of second features for detecting the plurality of second patterns. ... Paypal Inc

02/22/18 / #20180052990

Password check by decomposing password

A proposed password is decomposed into basic components to determine and score transitions between the basic components and create a password score that measures the strength of the proposed password based on rules, such as concatenation, insertion, and replacement. The proposed password is scored against all known words, such as when a user is first asked to create a password for an account or access. ... Paypal Inc

02/15/18 / #20180047394

Location based voice association system

Systems and methods for associating audio signals in an environment surrounding a voice-controlled system include receiving by a voice-controlled system through a microphone, an audio signal from a user of a plurality of users within an environment surrounding the microphone. The voice-controlled system determines a source location of the audio signal. ... Paypal Inc

02/15/18 / #20180047393

Location based voice recognition system

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. ... Paypal Inc

02/15/18 / #20180047082

Transactions via a user device in the proximity of a seller

Embodiments of methods and systems are provided that allow a user to upload inventories, view inventories in the proximity of the user, and/or facilitate transactions over a user device in a simple manner. In an embodiment, a method for transactions comprises loading, by a server at a remote location, an application on a user device of a user, wherein the application allows the user to upload an inventory comprising one or more items and/or services offered for sale by the user, as well as to view on the user device other inventory offered for sale by one or more other users as the user comes into proximity of the one or more other users, and wherein an inventory list maintained at the user device is constantly updated with the other inventory viewed by the user device. ... Paypal Inc

02/15/18 / #20180047016

Preloaded digital wallet token for networkless transaction processing

There are provided systems and methods for a preloaded digital wallet token for networkless transaction processing. A user may utilize a communication device while shopping at physical merchant locations, such as retail storefronts, where the communication device may provide transaction processing services through a mobile application executing on the communication device. ... Paypal Inc

02/15/18 / #20180046939

Automated machine learning feature processing

Systems and methods for machine learning feature processing are disclosed. An example method includes: selecting a predefined number of machine-based transactions; identifying a first set of features based on the predefined number of machine-based transactions; and applying a machine learning feature selection algorithm to identify a second set of features. ... Paypal Inc

02/15/18 / #20180046920

User data learning based on recurrent neural networks with long short term memory

Various systems, mediums, and methods may perform operations, such as collecting various types of data from one or more data sources. Further, the operations may include learning user behaviors based on iterations of the collected historical data with a recurrent neural network (rnn) with long short term memory (lstm). ... Paypal Inc

02/15/18 / #20180046713

Category constrained queries

A user may submit a search query to a search engine. The search engine may process the search query and generate a set of results. ... Paypal Inc

02/08/18 / #20180041881

Client device access to data based on address configurations

Various systems, mediums, and methods herein describe mechanisms that enable client devices to have access to data based on various address configurations. A smart phone system may be configured to receive a request. ... Paypal Inc

02/08/18 / #20180040065

Dynamic handling for resource sharing requests

A system or method is provided to allow users to share or donate a portion of their credit line to others. In particular, the system may provide an interface between credit line donors and recipients and allow a user's friends or family to donate portions of their credit lines to the user. ... Paypal Inc

02/08/18 / #20180040023

Routine suggestion system

Systems and methods for providing routine suggestions include determining that a user is in a current location that is over a predetermined distance from a home location that is associated with the user in a non-transitory memory. A current time is then determined that corresponds to a time period associated with a routine purchase type that is associated with the home location in the non-transitory memory. ... Paypal Inc

02/08/18 / #20180039991

Automatic teller machine (atm) electronic push requests

An automatic teller machine (atm) can operate to send an electronic push request, in various instances, using only an email address to process the push request from a user. The atm may be configured with customized display software, for example, that allows an end user to operate a touchscreen (or other input mechanism) to enter email addresses for one or more electronic transfer destinations. ... Paypal Inc

02/01/18 / #20180032488

Auto-scroll on in-context modules

Systems and methods are disclosed which may provide modules that may be displayed in the context of a website that allow for autoscrolling between the modules upon entering required information in the modules or completing actions required by the modules. The modules may be modules for paying for items via paypal and may include modules for entering payment information, billing information, a shipping address, creating an account, and accepting terms and conditions. ... Paypal Inc

01/18/18 / #20180019969

Network containers

The systems and methods that maintain an ip address of a container when the container is moved from a first node to a second node in a data center are provided. Each node includes a local controller which is communicatively coupled to the central controller. ... Paypal Inc

01/18/18 / #20180018660

Processing a transaction using electronic tokens

In some embodiments, a method for binding a user's information to a user's account with a payment service provider includes receiving a request to pay for a transaction using the user's account with the payment service provider. The request to pay specifies a funding instrument. ... Paypal Inc

01/18/18 / #20180018644

Animated two-dimensional barcode checks

Systems and methods are disclosed to provide an animated 2d barcode check that is used to securely and efficiently transmit financial information between mobile devices. The financial information includes a check written by a payer and transmitted to a merchant. ... Paypal Inc

01/11/18 / #20180012219

Systems and methods for wirelessly determining accepted forms of payment

Systems and methods are disclosed which may allow a merchant to wirelessly transmit accepted forms of payment using a beacon installed in the merchant location or near the merchant location. A consumer having a device capable of receiving the wireless transmission may receive the accepted forms of payment and have them displayed on a screen of the device. ... Paypal Inc

01/04/18 / #20180007210

Voice-controlled audio communication system

Systems and methods for providing an audio communication system include receiving from a first user, by a microphone of a first voice-controlled device of a plurality of voice-controlled devices in an audio communication system, a first audio message and an audio command to provide the audio message to a second user. An identity of the second user associated with a user profile based on the audio command is determined. ... Paypal Inc

01/04/18 / #20180007203

Customizable user experience system

Systems and methods for customizable user experience service include receiving a first user interaction from a user device at a service platform of a service provider. First instructions are retrieved from a predictive management device based on the first user interaction with the service platform. ... Paypal Inc

01/04/18 / #20180007202

Predictive cross-platform system

Systems and methods for predictive cross-platform customer service include receiving first data about a service provider system that includes a plurality of customer service platforms. First user interaction rules are determined based on the first data received. ... Paypal Inc

01/04/18 / #20180007119

Transferring data using mobile devices

An example method for transferring a data set includes: detecting that a user device is within a first predefined proximity to a first data storage device; determining a next destination of the user device based on user travel information; selecting a data set stored on the data storage device in accordance with the next destination of the user device, wherein the data set is associated with a destination location; transferring the data set from the data storage device to the user device; detecting that the user device is within a second predefined proximity to a second data storage device; determining a location of the second data storage device; determining that a predefined relationship exists between destination location of the data set and the location of the second data storage device; and responsive to the determining, transferring the data set from the user device to the second data storage device.. . ... Paypal Inc

01/04/18 / #20180007073

Network operation application monitoring

Systems and methods that determine an anomaly in a network are provided. A monitoring engine is installed on a computing device that monitors network information and application information for data flows generated on the computing device and transmitted over a network and for data flows received by the computing device from the network. ... Paypal Inc

01/04/18 / #20180005630

Voice data processor for distinguishing multiple voice inputs

There is provided systems and method for a voice data processor for distinguishing multiple voice inputs. One or more merchant devices may include or be linked to a voice input and output component, where the component may be used to receive voice input and distinguish between multiple voice inputs. ... Paypal Inc

01/04/18 / #20180005307

System configurations with appliances and vehicles

Various systems, mediums, and methods for self-maintaining appliances and vehicles may involve receiving data generated by at least one sensor associated with the appliance or vehicle. A requirement associated with amounts of the items of the appliance, a service requirement of the appliance, or a service requirement of the vehicle is determined. ... Paypal Inc

01/04/18 / #20180005288

Communicating in chat sessions using chat bots to provide real-time recommendations for negotiations

The method can determine that chat texts provided in a chat session by first and second chat application instances are directed to negotiation of a sale of an item. A recommended sale price for the item is generated based on the chat texts and item's current price. ... Paypal Inc

01/04/18 / #20180005287

Error response corresponding to a payment profile migration

A system may transmit a first indication to initiate a transfer of a first set of payment profiles from a first computer of a first payment service provider to a second computer of a second payment service provider. The system may cause the second computer to execute, in response to the first indication, a profile migration to generate a new set of payment profiles corresponding to the first set of payment profiles. ... Paypal Inc

01/04/18 / #20180005285

Tokenization and dynamic transaction classification

A database of prior user transactions may enable and present opportunities to dynamically classify a current user transaction according to particular information or characteristics of that transaction and/or the user conducting the current transaction. Results of previous transactions can be correlated and/or aggregated with other transactions, allowing predictive relationships to indicate an approximated user goal for a particular transaction. ... Paypal Inc

01/04/18 / #20180005272

Image data detection for micro-expression analysis and targeted data services

There are provided systems and methods for image data detection for micro-expression analysis and targeted data services. A user may utilize a communication device, where during use of the communication device, one or more images of the user are captured by the communication device. ... Paypal Inc

01/04/18 / #20180005259

Marketplace-like presentation system

Systems and methods for providing a marketplace-like presentation system include a system provider device that receives, through communication over a network with a user device, a request to create a marketplace-like presentation system account. The system provider device may then provide a means for parsing and extracting information (e.g., in the form of an inbox parsing and extractor engine) from email marketing offers in a user webmail account, wherein the means for parsing and extracting interfaces a webmail provider including the user webmail account and a user interface (ui) application, and wherein the means for parsing and extracting extracts information from the email marketing offers. ... Paypal Inc

01/04/18 / #20180005244

Hardware and token based user authentication

Systems and methods for data visualization are disclosed. An example method includes: obtaining, via a user device, first user biometric data from a user; comparing the first user biometric data with first stored user biometric data. ... Paypal Inc

01/04/18 / #20180005242

Payment profile migration

There are provided systems and methods for payment profile migration. A migration service provider computer may receive an indication to transfer a first set of payment profiles from a third-party service provider computer to the migration service provider computer. ... Paypal Inc

01/04/18 / #20180005239

Mobile devices enabling customer identity validation via central depository

A mobile device is provided that allows a user to generate and present a unique code/token to a service provider for customer identity validation. The service provider may use the unique code/token to retrieve or verify identity information/documents from a central depository to validate the identity of the customer to meet a know-your-customer (kyc), or other identification requirements. ... Paypal Inc

01/04/18 / #20180005236

Tokenization corresponding to payment profile migration

A system may perform operations that include receiving, by a migration service provider computer that includes one or more hardware processors, a first set of payment profiles that are stored on a third-party service provider computer according to a first file format. The first set of payment profiles may be associated with a first set of payment tokens corresponding to the third-party service provider computer. ... Paypal Inc

01/04/18 / #20180005220

Localized identifier broadcasts to alert users of available processes and retrieve online server data

There are provided systems and methods for localized identifier broadcasts to alert users of available processes and retrieve online server data. A user may visit a merchant location and engage in a transaction to purchase items from a merchant at the merchant location. ... Paypal Inc

01/04/18 / #20180005219

User-friendly transaction interface

Methods and systems for facilitating electronic transactions on a mobile communications device are described. Available funding sources for sending funds to a contact from a list of contacts is provided for display on a graphical user interface (gui) of a mobile communications device. ... Paypal Inc

01/04/18 / #20180005217

Systems and methods for preferred payments using beacons

Systems and methods are provided for configuring a user device to provide a preferred payment method for payments. When a user carries their device into a store, the device may receive information from a beacon at the store that informs the device that the user is at the store. ... Paypal Inc

01/04/18 / #20180005216

Communicating in chat sessions using chat bots to access payment accounts

A chat bot can access a first chat text provided in a chat session by a first chat application instance of a first chat account. The chat session is hosted by a chat service to facilitate communication between chat application instances. ... Paypal Inc

01/04/18 / #20180005215

Communicating in chat sessions using chat bots to access financial transactions

A chat bot can be coupled with a chat session, the chat session being hosted by a chat service to facilitate communication between chat application instances. The chat bot can simulate one of the plurality of chat application instances. ... Paypal Inc

01/04/18 / #20180005209

Systems and methods for user data management across multiple devices

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.. ... Paypal Inc

01/04/18 / #20180005208

Visualization of spending data in an altered reality

Systems, methods, and non-transitory computer readable media for visualizing user spending data in an altered reality are provided. Spending data includes items purchased, budgets for specific rooms or categories, prices paid, dates of purchase, and amounts spent. ... Paypal Inc

01/04/18 / #20180004580

User data management across multiple apps on a user device

Systems and methods for managing user data across multiple apps are disclosed. An example method includes, determining that an installation of a first app on a user device is completed; identifying a second app in which a user has been authenticated and has been installed on the user device; obtaining a second set of user information associated with the user from the second app; and configuring a user account of the user in the first app using the second set of user information. ... Paypal Inc

01/04/18 / #20180004557

Forced virtual machine warm-up

The systems and methods that warm-up a virtual machine are provided. An application byte code is generated from an application source code for an application that processes time-sensitive messages using a virtual machine. ... Paypal Inc

01/04/18 / #20180003965

Enhanced safety through augmented reality and shared data

Systems and methods for enhancing traffic safety through augmented reality and shared data are disclosed. An example method includes, identifying a second transportation vehicle that at least partially blocks a first view of a first user associated with a first transportation vehicle; and obtaining second view data from the second transportation vehicle. ... Paypal Inc

12/28/17 / #20170374488

System configurations to determine user data associated with mobile applications

Various systems, mediums, and methods may determine one or more configurations associated with a provider application. For example, a mobile system may determine a request to install a provider application, possibly based on one or more user inputs received by the mobile system. ... Paypal Inc

12/28/17 / #20170374166

Procuring feedback

A system for procuring feedback from user when displaying content. The system implements operations for selecting a feedback mechanism based on prior user interactions with the feedback mechanism and other feedback mechanisms. ... Paypal Inc

12/28/17 / #20170374083

System security configurations based on assets associated with activities

Various systems, mediums, and methods may involve a data engine with various components. For example, a system with the data engine may include a segmentation component, an asset preparation component, a clustering component, a variable generation component, and classification component. ... Paypal Inc

12/28/17 / #20170374046

Short range secure data communication

Systems and methods for transmitting user data among user devices u are disclosed. An example method includes: wirelessly detecting, using a trusted user device, presence of one or more user devices within a predefined proximity to the trusted user device. ... Paypal Inc

12/28/17 / #20170373977

Tapping network data to perform load balancing

Methods, systems, and computer program products are included for load balancing processing of a data stream that is communicated over a network. An exemplary method includes establishing a communication session over a network between a source endpoint device and a destination endpoint device. ... Paypal Inc

12/28/17 / #20170372418

Method and system for offering a credit product by a credit issuer to a consumer at a point-of-sale

A method for offering at least one credit product by at least one credit issuer to a consumer at a point-of-sale between a merchant and the consumer. The method includes the steps of: providing a credit issuer data set including a plurality of data fields to a central database; initiating a transaction between the consumer and the merchant at the point-of-sale; offering, to the consumer at the point-of-sale, the at least one credit product; and presenting, to the consumer at the point-of-sale, at least one data field in the credit issuer data set. ... Paypal Inc

12/28/17 / #20170372386

Voice and context recognition for bill creation

Methods and systems for facilitating payment of a bill are described. The methods use voice and context recognition to create an inventory of items for a specific user. ... Paypal Inc

12/28/17 / #20170372317

Database optimization concepts in fast response environments

Rapidly handling large data sets can be a challenge, particularly in situations where there are millions or even hundreds of millions of database records. Sometimes, however, a service level agreement necessitates that a service return a response to a query in a small amount of time. ... Paypal Inc

12/28/17 / #20170372310

Secure key based trust chain among user devices

Systems and methods for providing a secure key based trust chain among several user devices are disclosed. An example method includes, obtaining a first request to authenticate a user on a first user device based on a user identifier; in response to the obtaining, transmitting to, a second user device, a second request to authenticate the user on the first user device. ... Paypal Inc

12/28/17 / #20170372282

Digital image tagging for split transaction processing

There are provided systems and methods for digital image tagging for split transaction processing. A user may utilize a communication device to capture one or more images of the user and other users located with the user, which may be posted to an image sharing platform, such as a social network. ... Paypal Inc

12/28/17 / #20170372258

Virtual warehouse system

A virtual warehouse system may determine a product code associated with a request for an item generated by a user device. The system may search for the requested item with a virtual warehouse database based on the determined product code. ... Paypal Inc

12/28/17 / #20170372257

Routing system configurations based on various inventories

Various systems, mediums, and methods may involve a routing system. For example, the routing system may determine a user request for an item, possibly generated by the user's device, such as a smartphone device. ... Paypal Inc

12/28/17 / #20170372056

Visual data processing of response images for authentication

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. ... Paypal Inc

12/28/17 / #20170371772

Test execution optimizer for test automation

The systems and methods that determine tests that may be executed in parallel during regression testing of an analytics application are provided. Multiple tests that test functions of the analytics application are accessed from a test automation suite. ... Paypal Inc

12/28/17 / #20170371529

Systems and methods for data visualization

Systems and methods for data visualization are disclosed. An example method includes: detecting a first movement of a first user interface (ui) element on a slider bar; determining that the first ui element is located within an active portion of the slider bar. ... Paypal Inc








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