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公开(公告)号：US12229510B2
公开(公告)日：2025-02-18
申请号：US17463361
申请日：2021-08-31
Applicant: PAYPAL, INC.
Inventor： Nikita Alekseyevich Lukyanenko , Alexander Shvid
IPC: G06F40/279 , G06F40/35
Abstract: There are provided systems and methods for named entity recognition in chat dialogues for customer relationship management systems. A service provider, such as an electronic transaction processor for digital transactions, may provide live chat service channels for assistance through live agents and chatbot services. When interacting with these channels, a user may engage in a chat dialogue with live agents. This may include lines of texts corresponding to the exchanged messages and may include named entities for particular types or categories of words that refer to a particular object or thing. To identify these named entities, a natural language processor may utilize machine learning and other engines for named entity recognition in customer relationship management systems to highlight the named entities in live service chats. Agents of the systems may view content that identify the named entities and interact with the named entities to view descriptions.
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公开(公告)号：US12218926B2
公开(公告)日：2025-02-04
申请号：US17399300
申请日：2021-08-11
Applicant: PayPal, Inc.
Inventor： Vishal Sood , Yegya Narayanan Gopala Krishnan , Sudhindra Murthy , Vidya Sagar Durga , Chirag Gupta
Abstract: Techniques are disclosed for time constrained electronic request evaluation. A server system receives, from a computing device, a request submitted via an account, including a first set of characteristics associated with the request. The system executes a first machine-learning model to determine a first risk score for the request by inputting the first set of characteristics into the first model. The system generates an initial authentication decision for the request based on the first score and sends the decision to the device. The system executes a second, different machine-learning model to determine a second risk score for the request, by inputting the first set of characteristics and a second, different set of characteristics associated with the account into the second model. Based on the second score, the system determines a final authentication decision. The disclosed techniques may advantageously improve computer security and operations via identification of malicious electronic requests.
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公开(公告)号：US12218844B2
公开(公告)日：2025-02-04
申请号：US17390853
申请日：2021-07-30
Applicant: PAYPAL, INC.
Inventor： Clive Blackledge
IPC: H04L47/125 , H04L9/40 , H04L67/141 , H04L67/56 , H04L69/16 , H04L69/163 , H04L67/1008
Abstract: 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. A network device in the network receives a data stream that is communicated to the destination endpoint device from the source endpoint device during the communication session. The network device provides data corresponding to the data stream to a processing device. The processing device identifies a portion of the data that is assigned to the processing device and performs operations to process the portion of the data. After performing the operations, the processing device communicates a response corresponding to the processing to the source endpoint device by way of the destination endpoint device.
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公开(公告)号：US12216745B2
公开(公告)日：2025-02-04
申请号：US18146738
申请日：2022-12-27
Applicant: PAYPAL, INC.
Inventor： Zhe Chen , Jiyi Zhang , Hewen Wang , Panpan Qi , Quan Jin Ferdinand Tang , Solomon kok how Teo , Yuzhen Zhuo , Mandar Ganaba Gaonkar , Fei Pei , Omkumar Mahalingam
Abstract: Methods and systems are presented for bot detection. A movement of a pointing device is tracked via a graphical user interface (GUI) of an application executable at a user device. Movement data associated with different locations of the pointing device within the GUI is obtained. The movement data is mapped to functional areas corresponding to a range of the different locations of the pointing device within the GUI over consecutive time intervals. At least one vector representing a sequence of movements for at least one trajectory of the pointing device through one or more of the functional areas and a duration the pointing device stays within each functional area is generated. At least one trained machine learning model is used to determine whether the sequence of movements of the pointing device was produced through human interaction with the pointing device by an actual user of the user device.
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公开(公告)号：US12205085B2
公开(公告)日：2025-01-21
申请号：US17322802
申请日：2021-05-17
Applicant: PayPal, Inc.
Inventor： Joshua Knox , Benjamin Mills , Rohit Turumella , Chris Sanger , Michael Nussbaum
Abstract: 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. The first party stores the sensitive data with the payment service provider, and the payment service provider provides the first party merchant with an encoding of the payment data. The first party provides a purchasing opportunity to the user for goods offered by a third party also associated with the payment service provider. The first party transmits a sensitive data grant request to the payment service provider. In response, the payment service provides a scope-delimited encoding of the sensitive data. The first party provides the scope-delimited encoding of the payment data to the third party. The third party merchant creates a transaction using the scope-delimited encoding of the sensitive data. At some time later, access to the scope-delimited encoding of the sensitive data is revoked.
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Patent Agency Ranking
公开(公告)号：US20250022042A1
公开(公告)日：2025-01-16
申请号：US18794296
申请日：2024-08-05
Applicant: PayPal, Inc.
Inventor： Benjamin Hillel Myara , David Tolpin
IPC: G06Q30/0601 , G06F40/30 , G06Q30/0204 , G06Q30/0251 , H04L9/40 , H04L67/02 , H04L67/14 , H04L67/145 , H04L67/50
Abstract: Methods and systems for creating and analyzing low-dimensional representation of webpage sequences are described. Network traffic history data associated with a particular website is retrieved and a word embedding algorithm is applied to the network traffic history data to produce a low dimensional embedding. A prediction model is created based on the low-dimensional embedding. Browsing activity on the particular website is monitored. A set of sessions in the current browsing activity is flagged based on a result of applying the prediction model to the monitored browsing activity.
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公开(公告)号：US20250021669A1
公开(公告)日：2025-01-16
申请号：US18750839
申请日：2024-06-21
Applicant: PayPal, Inc.
Inventor： Harsha Kushtagi , Manjesh Srinivasa , Aman Kumar
Abstract: A cryptography agent is implemented to serve as an intermediary for a client application executing on an unsecured portion of a machine to bring greater hardware-based security to the client application. The cryptography agent does so by generating a public/private key pair for the client application and sealing the key pair inside an enclave that resides on a secured portion of the machine. The cryptography agent fetches confidential information for the client application from a secure server, where the confidential information is encrypted using the public key. The cryptography agent seals the confidential information using seal keys that are directly fused into hardware of the machine on which the enclave resides, which prevents the client application from accessing the confidential information in plaintext form. The client application sends commands to the cryptography agent, which performs operations within the enclave according to the commands once the client application is validated.
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公开(公告)号：US12198685B2
公开(公告)日：2025-01-14
申请号：US18184432
申请日：2023-03-15
Applicant: PAYPAL, INC.
Inventor： Sandro Cavallari , Yuzhen Zhuo , Van Hoang Nguyen , Quan Jin Ferdinand Tang , Gautam Vasappanavara
IPC: G06F40/00 , G06F40/205 , G06F40/253 , G06F40/284 , G10L15/19 , G10L15/26
Abstract: Methods and systems are presented for translating informal utterances into formal texts. Informal utterances may include words in abbreviation forms or typographical errors. The informal utterances may be processed by mapping each word in an utterance into a well-defined token. The mapping from the words to the tokens may be based on a context associated with the utterance derived by analyzing the utterance in a character-by-character basis. The token that is mapped for each word can be one of a vocabulary token that corresponds to a formal word in a pre-defined word corpus, an unknown token that corresponds to an unknown word, or a masked token. Formal text may then be generated based on the mapped tokens. Through the processing of informal utterances using the techniques disclosed herein, the informal utterances are both normalized and sanitized.
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公开(公告)号：US12198123B2
公开(公告)日：2025-01-14
申请号：US18144346
申请日：2023-05-08
Applicant: PayPal, Inc.
Inventor： Frank Anthony Nuzzi
Abstract: A system, including: a non-transitory memory; and one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations including: receiving a transaction request from an endpoint device on a network, wherein the endpoint device is registered with a transaction service provider; locating, based on the transaction request, an authorization token corresponding to a payment mechanism, wherein the authorization token is stored to a memory device of the router; in response to receiving the transaction request, transmitting the authorization token to the transaction service provider to retrieve transaction information from the transaction service provider, wherein the transaction information includes payment data for a user of the endpoint device; and transmitting the transaction information to the upstream network location, wherein the upstream network location includes a merchant server.
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公开(公告)号：US20250005521A1
公开(公告)日：2025-01-02
申请号：US18774644
申请日：2024-07-16
Applicant: PAYPAL, INC.
Inventor： Brandon Alexander Tineo
Abstract: A quantity sensing storage device enables automatic ordering of a product using an ordering engine that monitors quantity signals generated by a quantity sensor that is configured to provide the quantity signals based on a quantity of a first set of a product stored at the quantity sensing storage device. Base on the quantity of the first set, the ordering engine determines whether an order threshold has been satisfied. The quantity sensing storage device automatically provides instructions to a service provider device via a wireless communication subsystem to order a second set of the product in response to determining that the order threshold has been satisfied. The ordering engine continuously updates the order threshold such that when the second set of the product is received by a user of the quantity sensing storage device, an optimal portion of the first set of the product remains stored in the storage enclosure.
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