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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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Accessing chat sessions via chat bots for multi-user authorization of transactions

A method for multi-user authorization of transactions via chat sessions is discussed. The method includes accessing, via a chat bot, a chat text in a chat session by a first chat application instance of a first device to a second chat application instance of a second device. ... Paypal Inc

Simulating i/o using multicomputer data processing

Methods, systems, and computer program products are included for simulating i/o. An exemplary method includes simulating i/o from a card that includes a magnetic stripe. ... Paypal Inc

Utilizing payment tokens to track rewards

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. ... Paypal Inc

Automated user device damage remidiation

A system that self-remediates damage wherein the system recognizes an abnormal physical stress to the system, determines that the system has been damaged and remediates the damage by salvaging what is undamaged or providing alternative ways to handle the broken parts of the system.. . ... Paypal Inc

Systems and methods for facilitating financial transactions over a network

Systems and methods for facilitating financial transactions over a network include a merchant device, a client device and a payment processing device. The merchant device is adapted to allow a merchant to provide items for purchase via the network. ... Paypal Inc

Systems and methods for facilitating purchase using merchandise holder

A merchandise holder, e.g., a drink coaster or a food placemat, is used to facilitate the purchase of food or beverage placed on the holder. A customer may use a mobile device to scan a qr code on a merchandise holder to purchase a beverage. ... Paypal Inc

Reverse showrooming and merchant-customer engagement system

Systems and methods for providing a merchant-customer engagement system include a physical merchant location in which a customer may be tracked to determine products within the physical merchant location that the customer is interested in. A merchant may use a wearable merchant device that is configured to identify the customer via a camera that captures an image of the customer, and that image may be used to retrieve customer account information for that customer. ... Paypal Inc

Systems and methods for implementing automatic payer authentication

A system or method may be provided to facilitate automatic user authentication for electronic transactions. In particular, the system or method may automatically authenticate a customer such that the customer may make complete hands free payments without the intervention of the customer or the merchant. ... Paypal Inc

Method and apparatus for using sensors on a portable electronic device to verify transactions

An attempt to conduct an electronic transaction using an electronic device is detected. The electronic device contains one or more sensors, such as an accelerometer, an ambient light sensor, a gyroscope, a gps unit, or a transceiver. ... Paypal Inc

Optimized multiple digital wallet presentation

Methods and systems for facilitating a digital wallet transaction are described herein. A service provider identifies and recommends the most applicable digital wallets for a user based on various factors, such as user location, type and amount of purchase, type of merchant, and/or mood of the user. ... Paypal Inc

Methods for automatic generation of parallel corpora

A method of forming parallel corpora comprises receiving sets of items in first language and second languages, each of the sets having one or more associated descriptions and metadata. The metadata is collected from the two sets of items and are aligned using the metadata. ... Paypal Inc

Beacon content propagation

Systems and methods for transmitting beacon messages are described. A beacon message is transmitted from a first beacon device and broadcast to an area within a transmission range of the first beacon device. ... Paypal Inc

Social networking connections through short range wireless devices

There are provided systems and methods for social networking connections through short range wireless devices. A user may become associated with a new location based on one or more connections made by the user's communication device and a device at the location, such as a communication device of another user at the location or a wireless beacon established at the location. ... Paypal Inc

Using augmented reality for electronic commerce transactions

Systems, methods, and computer program products for identifying objects of interest and providing relevant information about the objects of interest using augmented reality devices are disclosed. For example, a computer-implemented method may include identifying an object of interest among a plurality of objects present in an image view, determining real-time information for the object of interest based on the identifying, presenting the determined real-time information for the object of interest as part of the image view, and processing a transaction involving the object of interest based on a user selection associated with the image view.. ... Paypal Inc

08/23/18 / #20180240178

One-page checkout

Systems and methods for facilitating a purchase are described. A user logs in to a payment service provider site. ... Paypal Inc

08/23/18 / #20180240169

Utilizing a vehicle to determine an identity of a user

There are provided systems and methods for utilizing a vehicle to determine an identity of a user. A user may establish a vehicle as associated with the user, such as a vehicle owned by the user or used by the user. ... Paypal Inc

08/23/18 / #20180240118

Bridge for communicating data outside of a mobile application

In certain computing environments, such as certain applications for mobile devices, popup browser windows may not be supported. This can cause functionality issues, as an existing website may use a popup window to perform a service (such as authentication). ... Paypal Inc

08/23/18 / #20180239931

Automatic adjustment of a display to obscure data

Methods, systems, and computer program products are disclosed for automatically adjusting a display to obscure application data. In an example, a computer-implemented method may include collecting eye data from a user, receiving the eye data collected from the user, analyzing the eye data, determining that eyesight of the user is on a display based on the eye data, providing data on the display to the user when the eyesight of the user is determined to be on the display, determining that the eyesight of the user is off the display, obscuring the data on the display in response to determining that the eyesight of the user is off the display, removing the obscuring applied to the data on the display when the eyesight of the user returns to the display.. ... Paypal Inc

08/23/18 / #20180239798

System to generate related search queries

Systems and methods described herein may operate to receive, at a search service, a first query from a user device corresponding to a current user of the search service, analyze existing search queries performed by users of the search service, and selectively provide, to the user device, a second query of the existing search queries as at least one of: a refinement of the first query based on determining that the second query includes all keywords in the first query, or an alternative to the first query based on determining that the second query lacks at least one keyword in the first query.. . ... Paypal Inc

08/23/18 / #20180239584

Identification of users across multiple platforms

A computer system creates a plurality of indexes from a first plurality of records, wherein each index corresponds to an attribute of a plurality of attributes. The computer system detects a record of a second plurality of records, wherein the record includes a value corresponding to each of the plurality of attributes. ... Paypal Inc

08/16/18 / #20180234793

Passive check-in

A system to effectuate passive check-in with respect to a user's mobile device is described. A server system may be configured to receive communications from a gps-enabled mobile device (e.g., a mobile phone), extract a stream of locations from the received communications, and use the location information to determine whether a boundary-crossing event has occurred with respect to the mobile device. ... Paypal Inc

08/16/18 / #20180234731

Television advertisement tracking

A method of television advertisement tracking is described. The method may include identifying an electronic advertisement that is playing on a television. ... Paypal Inc

08/16/18 / #20180232387

Data transfer size reduction

A process of operating a communication system is provided. The process may include identifying data at a device. ... Paypal Inc

08/09/18 / #20180227747

Mobile application configurations to enable data transfers

Various systems, mediums, and methods may involve a provider application configured to access a user account associated with a provider server. For example, a system may perform operations to identify one or more other applications installed on the mobile device that may be configured to communicate with the provider server. ... Paypal Inc

08/09/18 / #20180227285

Authentication through multiple pathways based on device capabilities and user requests

There are provided systems and methods for authentication through multiple pathways depending on device capabilities and user requests. A user may wish to utilize some device process, such as unlocking and accessing the device to utilize the device's operating system or access and use of a device application or other module (e.g., a camera). ... Paypal Inc

08/09/18 / #20180225741

Projection shopping with a mobile device

A method for making purchases with a mobile device at a physical location is described. A service provider receives information about an item available for purchase, and this information is projected on a surface. ... Paypal Inc

08/09/18 / #20180225668

Method and system for detecting fraud

A system and method for detecting fraud when facilitating a payment transaction over a global wide area network. The method comprises receiving a sale information, receiving a payment information from a buyer, and analyzing a transaction information for fraud. ... Paypal Inc

08/09/18 / #20180225665

Accessing accounts at payment system via photos

A method for using a device to use photos to initiate payments at a payment system is discussed. The method includes generating a photo, including a first and second image of a first and second person, at the device. ... Paypal Inc

08/09/18 / #20180225654

Biometric authentication of mobile financial transactions by trusted service managers

In one embodiment, a method comprises storing a biometric trait of a user in a data communication device of the user, comparing a biometric trait input into the device with the biometric trait stored in the device, generating a certificate authenticating the user within the device if the biometric trait input into the device matches the biometric trait stored in the device, and facilitating a financial transaction of the user using the certificate.. . ... Paypal Inc

08/09/18 / #20180225641

Multi-platform in-application payment system

Systems and methods for providing multi-platform, in-application payments include transferring funds, by a payment service provider device, from a funding source to a payment account in response to receiving a first fund transfer instruction from one of a first user device and a second user device over a network. The payment service provider device then associates the payment account with a first platform application in response to receiving a first association instruction from the first user device over the network, and associates the payment account with a second platform application in response to receiving a second association instruction along with the user account information from a second user device over the network. ... Paypal Inc

08/09/18 / #20180225442

Systems and methods for authenticating a user based on a computing device

A system and/or method may be provided to silently authenticate a user. An example method of silently authenticating a user includes receiving a set of device characteristics from a user device and identifying, based on the set of device characteristics, the user device. ... Paypal Inc

08/09/18 / #20180225383

Methods, systems, and apparatus for generating search results

Methods, systems, and apparatus to constrain a search are described. A selection of one or more items of a search result set by a user may be obtained. ... Paypal Inc

08/09/18 / #20180225134

Forward compatibility process

A computer implemented method for forward compatibility of data objects is discussed. The method includes receiving a data object from a server, where the data object includes a first data portion and a second data portion. ... Paypal Inc

08/02/18 / #20180219886

Clustering network addresses

A method may include identifying a shared usage of a first network address and a second network address in a predetermined period of time. The method may also include clustering the first network address and the second network address based on the shared usage. ... Paypal Inc

08/02/18 / #20180218358

Trusted service manager (tsm) architectures and methods

A client device comprises a first secure element and a second secure element. The first secure element comprises a first computer-readable medium having a payment application comprising instructions for causing the client device to initiate a financial transaction. ... Paypal Inc

08/02/18 / #20180218355

Accessing accounts at payment system via photos

A method of using a device to access multiple payment accounts at a payment system via photos is disclosed. The method includes accessing a photo generated by a first device. ... Paypal Inc

08/02/18 / #20180218292

Authenticated checkin via passive nfc

The present disclosure involves a method of verifying user check-ins to a venue. The method includes initializing a digital check-in chain for a venue. ... Paypal Inc

08/02/18 / #20180218261

Fraud prediction based on partial usage data

A system for predicting that a user session will be fraudulent. The system can analyze an incomplete session and determine the likelihood that the session is fraudulent or not by generating completed sessions based on the incomplete session.. ... Paypal Inc

07/26/18 / #20180211294

Online/offline payment system

A method for receiving a payment includes receiving information for a transaction with a merchant over the network, wherein the transaction includes an incomplete online transaction associated with a user account. A location of a user device that is associated with the user account is then retrieved, and a payment location is determined that is within a predetermined distance of the location of the user device. ... Paypal Inc

07/26/18 / #20180211285

System and method for learning from engagement levels for presenting tailored information

Aspects of the present disclosure involve a system and method for presenting tailored information based on user engagement level. This engagement level which can be represented by a score in conjunction with a user profile can then be used to identify appropriate information to present to the user. ... Paypal Inc

07/26/18 / #20180211037

Identifying computer behavior using visual data organization and graphs

Configuration discrepancies, such as server drift among different servers or malicious code installed on one or more servers, can be identified using system attribute information regarding processes, cpu usage, memory usage, etc. The system attribute information can be used to generate an image, which can be compared to other images to determine if a configuration discrepancy exists. ... Paypal Inc

07/19/18 / #20180205746

Network traffic analysis for malware detection and performance reporting

Computer networks, particularly larger networks, may have various issues and vulnerabilities. By collecting network traffic data from a network in multiple different locations, then analyzing correlations in this data, performance issues and security risks can be uncovered. ... Paypal Inc

07/12/18 / #20180199199

Emulated mobile device identification

According to an aspect of an embodiment of the present disclosure, operations related to emulated mobile device determinations may include obtaining sensor data associated with an entity. The sensor data may include sensor output values associated with one or more sensors of a physical mobile device. ... Paypal Inc

07/12/18 / #20180199195

Automatic authentication of a mobile device using stored authentication credentials

Systems and methods are disclosed which may allow a user having a mobile device to automatically authenticate to a server using a device identifier associated with the mobile device. An access point may be configured to send the device identifier as well as additional identifying information to the server so that the device identifier can be accurately matched to the mobile device. ... Paypal Inc

07/12/18 / #20180197176

In-store mobile payment

An in-store mobile payment system and method can facilitate the use of a user's mobile device to facilitate payment for products purchased at a store. The user can take a picture of a product being purchased or can take a picture of a bar code for the product. ... Paypal Inc

07/05/18 / #20180189769

Electronic identification and authentication system

A system includes a service provider device and a point of sale (pos) device. A session between a user device and the pos device is established. ... Paypal Inc

07/05/18 / #20180189612

System and method for learning from the images of raw data

Aspects of the present disclosure involve a system and method for learning from images of transactional data. In one embodiment, a system is introduced that can learn from the images of transactional data. ... Paypal Inc

07/05/18 / #20180189498

Device monitoring policy

A method and device for generating a monitoring policy for a device and selectively monitoring multiple tasks executed by the device is disclosed. The monitoring policy may relate to security monitoring or resource availability. ... Paypal Inc

07/05/18 / #20180189047

Updating particular features in an application

A system is configured to perform operations that include determining a first set of modular features corresponding to a first version of a service provider application and a second set of modular features corresponding to a second version of the service provider application. An original version of the service provider application may have been downloaded from an application store. ... Paypal Inc

06/28/18 / #20180181997

Contextual data in augmented reality processing for item recommendations

There are provided systems and methods for contextual data in augmented reality processing for item recommendations. A first user may provide a recommendation to a second user of an item viewed by the first user through a communication device. ... Paypal Inc

06/28/18 / #20180181981

Managing user loyalty groups at point-of-sale accesses

A method for managing loyalty groups at point-of-sale (pos) accesses is discussed. The method includes determining that a user account is a member of a loyalty group, responsive to determining that a user device of the user account is used at merchant's pos. ... Paypal Inc

06/28/18 / #20180181944

Method and system for desinating a primary interactive device

Aspects of the present disclosure involve a system and method for identifying a primary interactive device. The current disclosure presents a system and method that after determining devices available to a user, identifies based on an interaction state of each device available, the device that most optimally may be used for providing notifications, and presenting information to a user.. ... Paypal Inc

06/28/18 / #20180181928

Physical sensor data enablement of application functionality using real-world device contexts

There are provided systems and methods for physical sensor data enablement of application functionality using real-world device contexts. A computing device of a first user may include sensors, applications, and other components that detect real-world conditions nearby the computing device. ... Paypal Inc

06/28/18 / #20180181777

Restricting access to a device

A computer system detects that a mobile device of a user is in a location that exceeds a threshold distance from a second device of the user. Based on at least the detecting, the computer system switches the mobile device to stealth mode, wherein switching the mobile device to stealth mode includes determining an image that visually matches a surface directly below the mobile device, and displaying the image on at least one display of the mobile device. ... Paypal Inc

06/28/18 / #20180178737

Vehicle based electronic authentication and device management

Systems and methods for an authentication system include determining that a first user device is located within a vehicle, where the first user device is associated with a first user. Vehicle authentication information is received from the vehicle. ... Paypal Inc

06/21/18 / #20180174222

Accessing chat sessions via chat bots for cart generation

A method for accessing communication in chat sessions for cart generation is discussed. The method includes accessing, via a chat bot, a chat text in a chat session by a chat application instance to another chat application instance. ... Paypal Inc

06/21/18 / #20180174153

Shared pools for common transactions

A funding source is provided by each of a plurality of users for setting up an electronic shared payment pool. A policy governing rights or obligations of each of the users is set up. ... Paypal Inc

06/14/18 / #20180167484

Methods and systems for application controlled pre-fetch

Methods and systems for application controlled pre-fetch are described. The system receives pre-fetch information, over a network, at a first load balancer. ... Paypal Inc

06/14/18 / #20180167468

Identifying and mapping emojis

A computer system associates one or more actions with an emoji. The computer system detects a selection of the emoji within an electronic communication by a user. ... Paypal Inc

06/07/18 / #20180158048

Data security systems configured to detect microcontrollers in physical wallets

Various systems, mediums, and methods may be implemented to provide data security by detecting microcontrollers in physical wallets. One example method may include detecting that a physical wallet comprises a plurality of physical cards based at least on a communication with a microcontroller of the physical wallet; comparing the plurality of physical cards with a plurality of digital cards of a digital wallet that corresponds the physical wallet; detecting at least one missing physical card from the physical wallet based at least on comparing the plurality of physical cards with the plurality of digital cards; and transmitting a notification to one or more user devices with access to the digital wallet. ... Paypal Inc

05/31/18 / #20180152408

Location restricted message exchange system

Systems and methods for providing location-restricted message exchange include receiving, by a system provider device over a network from a sender device, a location-restricted message that includes sender message information and first location information that is associated with a first location. The system provider device then receives, over the network from a first receiver device, second location information that is associated with a second location. ... Paypal Inc

05/31/18 / #20180150910

Systems and methods for processing business data

A payment service provider obtains information indicative of a sales history of a merchant. The payment service provider determines, based on the information indicative of the sales history of the merchant, an interest rate for a loan to be offered to the merchant. ... Paypal Inc

05/31/18 / #20180150909

On-line savings account

An on-line savings page for managing a savings account includes a list of items the user is saving for, where each item has a specified priority. A savings rate for each item is determined by the savings account based on the priority and total savings rate. ... Paypal Inc

05/31/18 / #20180150845

Voice phone-based method and system to authenticate users

Provided is a method and a telephone-based system with voice-verification capabilities that enable a user to safely and securely conduct transactions with his or her online financial transaction program account over the phone in a convenient and user-friendly fashion, without having to depend on an internet connection.. . ... Paypal Inc

05/24/18 / #20180145998

Acquiring browser data with application data

The systems and methods that identify fraud committed using native applications and web applications are provided. A native application executing on a client device generates a pairing identifier. ... Paypal Inc

05/24/18 / #20180145975

Systems and methods for authenticating a user based on a biometric model associated with the user

Systems and methods as provided herein may create a biometric model associated with a user. The created biometric model may be used to generate challenges that are presented to the user for authentication purposes. ... Paypal Inc

05/24/18 / #20180145974

Server and/or client device authentication

Embodiments of systems and methods for client and/or server authentication are provided. In one embodiment, a method includes sending information from a mobile network device to a server, wherein the information comprises a seed that is used by both the mobile network device and the server to compute a series of one time passwords. ... Paypal Inc

05/24/18 / #20180144333

Automatic wireless consumer checkins

Computing systems and methods for facilitating consumer transactions in retail and other establishments include communication interfaces adapted to couple a computing system to a plurality of third party phones or other mobile electronic devices, storage components adapted to store user information, participating merchant information, or any combination thereof, and processors in communication with the communication interfaces and storage components. The processors are adapted to facilitate the automatic wireless checkins of third party users of the third party phones or other mobile electronic devices at participating merchants. ... Paypal Inc

05/17/18 / #20180137529

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

05/17/18 / #20180137508

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

05/17/18 / #20180137484

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

05/17/18 / #20180137477

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

05/17/18 / #20180137026

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

05/17/18 / #20180136694

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

05/10/18 / #20180131707

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

05/10/18 / #20180130105

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

05/10/18 / #20180130045

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

05/10/18 / #20180130043

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

05/10/18 / #20180129552

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

05/03/18 / #20180124564

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

05/03/18 / #20180122390

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

05/03/18 / #20180121998

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








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