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    Smart harbor device for intelligent updating and selection for use of transaction processing terminal devices
    5.
    发明授权
    Smart harbor device for intelligent updating and selection for use of transaction processing terminal devices 有权

    公开(公告)号：US10853597B2

    公开(公告)日：2020-12-01

    申请号：US16248570

    申请日：2019-01-15

    Applicant: PAYPAL, INC.

    Inventor： Satish Govindarajan ,  Geoffrey William Chatterton ,  Gunabalan Babu ,  Guhan Senguttuvan ,  Anantharaj Uruthiralingam ,  Khiem Pham ,  Carlos Rivas

    IPC: G06K7/10 ,  G06F8/65

    Abstract: There are provided systems and methods for a smart harbor device for intelligent updating and selection for use of transaction processing terminal devices. A smart harbor device may be used to provide updating, servicing, and other maintenance of transaction processing terminal devices, such as EMV terminals used in retail transaction processing. The smart harbor device may include a port where the transaction processing terminal devices may be places, and the smart harbor device may connect to each of the transaction processing terminal devices. Once connected, the smart harbor device may run diagnostics to determine the statuses and conditions for each of the transaction processing terminal devices and maintenance the transaction processing terminal devices. The maintenance may be performed at times where the transaction processing terminal devices are not required for use. Additionally, the smart harbor device may intelligently select one based on statuses and device capabilities.

    SECURE OFFLINE TRANSACTION SYSTEM USING DIGITAL TOKENS AND A SECURE LEDGER DATABASE
    6.
    发明申请
    SECURE OFFLINE TRANSACTION SYSTEM USING DIGITAL TOKENS AND A SECURE LEDGER DATABASE 审中-公开

    公开(公告)号：US20190095907A1

    公开(公告)日：2019-03-28

    申请号：US15716013

    申请日：2017-09-26

    Applicant: PAYPAL, INC.

    Inventor： Satish Narayan Govindarajan ,  Anantharaj Uruthiralingam ,  Carlos Rivas ,  Srikanth Nandiraju

    IPC: G06Q20/36 ,  G06Q20/38 ,  G06Q20/40 ,  G06F17/30

    Abstract: A payer transaction device enables secure offline transactions using a secure element providing a secure payer account database, a secure ledger database, and a wallet application. While the payer transaction device is not connected to the Internet, the wallet application receives a payee identifier and a transaction amount and verifies that the transaction amount is less than an available payer account balance in the secure payer account database. In response, the wallet application creates a digital token that allocates the transaction amount from the payer account balance to the payee identifier, and records the digital token in a payer secure ledger in the secure ledger database, which reduces the available payer account balance by the transaction amount. The wallet application then transfers the digital token to a payee transaction device over a peer-to-peer wireless connection and, subsequently, the digital token is synchronized with a ledger tracking system through the Internet.

    ELECTRONIC TRANSACTION FOBS
    7.
    发明申请
    ELECTRONIC TRANSACTION FOBS 有权

    公开(公告)号：US20220414645A1

    公开(公告)日：2022-12-29

    申请号：US17902674

    申请日：2022-09-02

    Applicant: PAYPAL, INC.

    Inventor： Guhan Senguttuvan ,  Satish Narayan Govindarajan ,  Anantharaj Uruthiralingam ,  Carlos Manuel Rivas ,  Gordon Lo ,  Jeffrey Hirsch

    IPC: G06Q20/32 ,  G06K19/07 ,  G06K19/077

    Abstract: Systems and methods for electronic fobs that communicate via short range communications protocols to conduct transactions with a nearby device are provided. Such electronic fobs may use electronic tokens to conduct electronic transactions, such as payment transactions. Account data may be stored within a secure element of the electronic fob. Electronic tokens may also be stored by the secure element. Using such data and/or tokens, electronic fob may write electronic tokens to be used in electronic transactions. Also, such electronic fobs may also be used to perform other tasks and interface with other devices.

    MODULAR MOBILE POINT OF SALE DEVICE HAVING SEPARABLE UNITS FOR CONFIGURABLE DATA PROCESSING
    8.
    发明申请
    MODULAR MOBILE POINT OF SALE DEVICE HAVING SEPARABLE UNITS FOR CONFIGURABLE DATA PROCESSING 有权

    公开(公告)号：US20210248857A1

    公开(公告)日：2021-08-12

    申请号：US17158448

    申请日：2021-01-26

    Applicant: PAYPAL, INC.

    Inventor： Guhan Senguttuvan ,  Satish Narayan Govindarajan ,  Anantharaj Uruthiralingam ,  Carlos Manuel Rivas

    IPC: G07F7/08 ,  G07F7/10 ,  G06Q20/32 ,  G06Q20/20 ,  G07G1/00

    Abstract: There are provided systems and methods for a modular mobile point of sale device having separable units for configurable data processing. A modular device may include a main unit that includes data processing features to allow for a mobile point of sale, including a data entry unit for payment data, a communication component to secure communicate that data to a centralized transaction processor, and a processing unit to receive the data and instruct the centralized to process the data with an online service provider. The module device may also be physically and communicatively coupled to additional modules that may increase the on-device functionality of the main unit, include a module to allow user input and additional modules to accept other types of transaction input. On detection of a connected unit, the main unit may secure connect to and authenticate each attached module.

    DEVICE FOR FACILITATION OF PAYMENTS
    9.
    发明申请
    DEVICE FOR FACILITATION OF PAYMENTS 有权

    公开(公告)号：US20210073784A1

    公开(公告)日：2021-03-11

    申请号：US16565194

    申请日：2019-09-09

    Applicant: PAYPAL, INC.

    Inventor： Satish Govindarajan ,  Carlos Manuel Rivas ,  Tinyen Shih ,  Anantharaj Uruthiralingam ,  Guhan Senguttuvan

    IPC: G06Q20/32 ,  G06Q20/40

    Abstract: A payment device comprising of a housing, a slot for insertion of a user instrument located on a front surface of the housing, and wherein the housing includes a smart card interface integrated circuit that is configured to read an EMV chip located on the user instrument, and a universal serial bus (USB) type C male connector configured to be inserted into a female connector on a computing device, wherein the USB type C male connector is located on a back surface of the housing, and wherein a size of the USB type C male connector is configured so that when the USB type C male connector is inserted into the female connector on the computing device, the back surface of the housing is within a distance of three centimeters of a surface of the computing device.

    Hardware and token based user authentication
    10.
    发明授权
    Hardware and token based user authentication 有权

    公开(公告)号：US10546297B2

    公开(公告)日：2020-01-28

    申请号：US15199637

    申请日：2016-06-30

    Applicant: PAYPAL, INC.

    Inventor： Satish Narayan Govindarajan ,  Gunabalan Babu ,  Khiem Nguyen Pham ,  Carlos Manuel Rivas ,  Guhan Senguttuvan ,  Anantharaj Uruthiralingam

    IPC: G06Q20/40 ,  G06Q20/38

    Abstract: 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. The first stored user biometric data are stored in a hardware secure element of the user device. The method further includes: determining that the first user biometric data matches the first stored user biometric data; and in response to the determining, transmitting a payment token to a merchant device. The payment token is configured to enable a payment to be made from a payment account associated with the user to a merchant associated with the merchant device.

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