公开(公告)号：US20210406883A1

公开(公告)日：2021-12-30

申请号：US16914054

申请日：2020-06-26

Applicant: PayPal, Inc.

Inventor： Mandar Ganaba Gaonkar ,  Anand Sengamalai ,  Serafin Trujillo ,  Kenneth Bradley Snyder ,  Changching Chi

IPC: G06Q20/40 ,  G06Q30/00 ,  G06Q20/08 ,  G06Q20/10 ,  G06F16/23 ,  G06F16/957 ,  G06F16/2458

Abstract: Techniques are disclosed relating to transaction authorization. In some embodiments, a server computer system receives and caches browsing information for a device of a user, where the browsing information relates to a transaction service. The server computer system may then receive a request to authorize one or more transactions via the transaction service. The server computer system may evaluate the cached browsing information to determine whether the user is attempting to perform multiple concurrent transactions via the transaction service. Based on the evaluating, the server computer system may determine whether to authorize the one or more transactions. In some embodiments, the disclosed techniques may advantageously prevent or reduce authorization of duplicate transactions that are concurrently attempted by a user.

公开(公告)号：US11907658B2

公开(公告)日：2024-02-20

申请号：US17308931

申请日：2021-05-05

Applicant: PayPal, Inc.

Inventor： Zhe Chen ,  Hewen Wang ,  Yuzhen Zhuo ,  Solomon kok how Teo ,  Shanshan Peng ,  Quan Jin Ferdinand Tang ,  Serafin Trujillo ,  Kenneth Bradley Snyder ,  Mandar Ganaba Gaonkar ,  Omkumar Mahalingam

IPC: G06F40/279 ,  G06F21/55 ,  G06F21/56 ,  G06F40/284 ,  G06F40/30 ,  G06F18/2321 ,  G06F18/2415

CPC classification number: G06F40/284 ,  G06F18/2321 ,  G06F18/2415 ,  G06F40/30

Abstract: Systems and methods for user-agent anomaly detection are disclosed. In one embodiment, a user-agent string may be embedded into a numerical data vector representation using a sentence embedding algorithm (e.g., FastText). A predictive score may be calculated based on the numerical data vector representation and using a probability distribution function model that models a likelihood of occurrence of the observed user-agent based on patterns learned from historic payload data (e.g., a Gaussian Mixture Model). The predictive score may be compared to a threshold and, based on the comparison, it may be determined whether the user-agent is fraudulent.

公开(公告)号：US12118560B2

公开(公告)日：2024-10-15

申请号：US17651081

申请日：2022-02-15

Applicant: PayPal, Inc.

Inventor： Zhe Chen ,  Hewen Wang ,  Solomon Kok How Teo ,  Yuzhen Zhuo ,  Quan Jin Ferdinand Tang ,  Mandar Ganaba Gaonkar ,  Omkumar Mahalingam ,  Kenneth Bradley Snyder

IPC: G06Q40/00 ,  G06F3/01 ,  G06F3/03 ,  G06F18/21 ,  G06N20/20 ,  G06Q20/40

CPC classification number: G06Q20/4016 ,  G06F3/017 ,  G06F3/0304 ,  G06F18/217 ,  G06N20/20 ,  G06Q20/40145

Abstract: Techniques are disclosed relating to determining whether to authorize a requested action based on whether an entity is an automated computer. In some embodiments, a computer system tracks, at a user interface of a computing device, a sequence of pointer movements. The computer system maps, based on coordinate locations of pointer movements in the sequence, respective movements in the sequence to a plurality of functional areas. Based on the mapping, the computer system generates a movement graph and determines, based on the movement graph, whether an entity associated with the sequence of pointer movements is an automated computer. In response to receiving a request to authorize an action at the computing device, the computer system generates, based on the determining, an authorization decision for the action and transmits the authorization decision to the computing device. Determining whether the entity is an automated computer may advantageously prevent fraudulent activity.

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

IPC: G06F21/31 ,  G06F21/32

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.

公开(公告)号：US20220358289A1

公开(公告)日：2022-11-10

申请号：US17308931

申请日：2021-05-05

Applicant: PayPal, Inc.

Inventor： Zhe Chen ,  Hewen Wang ,  Yuzhen Zhuo ,  Solomon kok how Teo ,  Shanshan Peng ,  Quan Jin Ferdinand Tang ,  Serafin Trujillo ,  Kenneth Bradley Snyder ,  Mandar Ganaba Gaonkar ,  Omkumar Mahalingam

IPC: G06F40/284 ,  G06F40/30 ,  G06K9/62

Abstract: Systems and methods for user-agent anomaly detection are disclosed. In one embodiment, a user-agent string may be embedded into a numerical data vector representation using a sentence embedding algorithm (e.g., FastText). A predictive score may be calculated based on the numerical data vector representation and using a probability distribution function model that models a likelihood of occurrence of the observed user-agent based on patterns learned from historic payload data (e.g., a Gaussian Mixture Model). The predictive score may be compared to a threshold and, based on the comparison, it may be determined whether the user-agent is fraudulent.

公开(公告)号：US20240211559A1

公开(公告)日：2024-06-27

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

IPC: G06F21/31 ,  G06F21/32

CPC classification number: G06F21/316 ,  G06F21/32

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.

公开(公告)号：US11886590B2

公开(公告)日：2024-01-30

申请号：US17473490

申请日：2021-09-13

Applicant: PayPal, Inc.

Inventor： Zhe Chen ,  Hewen Wang ,  Quan Jin Ferdinand Tang ,  Solomon kok how Teo ,  Yuzhen Zhuo ,  Serafin Trujillo ,  Mandar Ganaba Gaonkar ,  Omkumar Mahalingam ,  Kenneth Bradley Snyder

IPC: G06F40/205 ,  G06F18/2413 ,  G06F21/56 ,  G06F18/214

CPC classification number: G06F21/566 ,  G06F18/2148 ,  G06F18/2413 ,  G06F40/205 ,  G06F2221/034

Abstract: Systems and methods for emulator detection are disclosed. In one embodiment, a user agent string may be embedded into a first numerical data vector representation. Hardware characteristics of a client device corresponding to the user agent may be embedded into a second numerical data vector representation. Based on the first numerical data vector representation of the user agent and the second numerical data vector representation of the hardware characteristics, and their consistency, the client device may be determined to be an emulator or a non-emulator device.

公开(公告)号：US20230259943A1

公开(公告)日：2023-08-17

申请号：US17651081

申请日：2022-02-15

Applicant: PayPal, Inc.

Inventor： Zhe Chen ,  Hewen Wang ,  Solomon Kok How Teo ,  Yuzhen Zhuo ,  Quan Jin Ferdinand Tang ,  Mandar Ganaba Gaonkar ,  Omkumar Mahalingam ,  Kenneth Bradley Snyder

IPC: G06Q20/40 ,  G06K9/62 ,  G06N20/20 ,  G06F3/03 ,  G06F3/01

CPC classification number: G06Q20/4016 ,  G06K9/6262 ,  G06N20/20 ,  G06Q20/40145 ,  G06F3/0304 ,  G06F3/017

Abstract: Techniques are disclosed relating to determining whether to authorize a requested action based on whether an entity is an automated computer. In some embodiments, a computer system tracks, at a user interface of a computing device, a sequence of pointer movements. The computer system maps, based on coordinate locations of pointer movements in the sequence, respective movements in the sequence to a plurality of functional areas. Based on the mapping, the computer system generates a movement graph and determines, based on the movement graph, whether an entity associated with the sequence of pointer movements is an automated computer. In response to receiving a request to authorize an action at the computing device, the computer system generates, based on the determining, an authorization decision for the action and transmits the authorization decision to the computing device. Determining whether the entity is an automated computer may advantageously prevent fraudulent activity.

公开(公告)号：US20230084532A1

公开(公告)日：2023-03-16

申请号：US17473490

申请日：2021-09-13

Applicant: PayPal, Inc.

Inventor： Zhe Chen ,  Hewen Wang ,  Quan Jin Ferdinand Tang ,  Solomon kok how Teo ,  Yuzhen Zhuo ,  Serafin Trujillo ,  Mandar Ganaba Gaonkar ,  Omkumar Mahalingam ,  Kenneth Bradley Snyder

IPC: G06F21/56 ,  G06K9/62 ,  G06F40/205

Abstract: Systems and methods for emulator detection are disclosed. In one embodiment, a user agent string may be embedded into a first numerical data vector representation. Hardware characteristics of a client device corresponding to the user agent may be embedded into a second numerical data vector representation. Based on the first numerical data vector representation of the user agent and the second numerical data vector representation of the hardware characteristics, and their consistency, the client device may be determined to be an emulator or a non-emulator device.

公开(公告)号：US11514447B2

公开(公告)日：2022-11-29

申请号：US16914054

申请日：2020-06-26

Applicant: PayPal, Inc.

Inventor： Mandar Ganaba Gaonkar ,  Anand Sengamalai ,  Serafin Trujillo ,  Kenneth Bradley Snyder ,  Changching Chi

IPC: G06Q20/40 ,  G06Q30/00 ,  G06Q20/08 ,  G06F16/23 ,  G06F16/957 ,  G06F16/2458 ,  G06Q20/10 ,  G06N3/08

Abstract: Techniques are disclosed relating to transaction authorization. In some embodiments, a server computer system receives and caches browsing information for a device of a user, where the browsing information relates to a transaction service. The server computer system may then receive a request to authorize one or more transactions via the transaction service. The server computer system may evaluate the cached browsing information to determine whether the user is attempting to perform multiple concurrent transactions via the transaction service. Based on the evaluating, the server computer system may determine whether to authorize the one or more transactions. In some embodiments, the disclosed techniques may advantageously prevent or reduce authorization of duplicate transactions that are concurrently attempted by a user.