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公开(公告)号：US20240354743A1
公开(公告)日：2024-10-24
申请号：US18630315
申请日：2024-04-09
申请人： PayPal, Inc.
发明人： Jakub Burgis , Raoul Johnson , Andrew Marshall , Muhammad Saad
CPC分类号： G06Q20/36 , G06Q20/389 , G06Q20/401 , H04L9/50 , G06Q2220/00
摘要： Methods and systems for digital hot wallet protection are provided. A payment channel is established via a Layer-2 network of a cryptocurrency blockchain for transferring a cryptocurrency balance from a first digital wallet of a service provider to a second digital wallet of a trusted entity over a plurality of commitment transactions. A transaction receipt for each commitment transaction is transmitted to the trusted entity via a secure communication channel previously established between the service provider and the trusted entity outside of the Layer-2 network. A transaction log of the service provider is modified so that it no longer represents the current transaction state of the payment channel. Responsive to detecting a breach of the first wallet, a transaction is broadcast to a Layer-1 network of the blockchain for transferring the total cryptocurrency balance from the first wallet to the second wallet.
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公开(公告)号：US20240104568A1
公开(公告)日：2024-03-28
申请号：US17934337
申请日：2022-09-22
申请人： PAYPAL, INC.
发明人： Adam Oest , Raoul Johnson , Muhammad Saad
IPC分类号： G06Q20/40
CPC分类号： G06Q20/4016 , G06Q20/407
摘要： Methods and systems are presented for cross-entity fraud mitigation. A refund request for a transaction between a first entity and a second entity is received via a network from a device of the first entity. A transaction history associated with an account of the first entity with a service provider is obtained. From the obtained transaction history, metadata relating to previous refund requests processed for previous transactions associated with the account of the first entity is extracted. The extracted metadata is evaluated to determine a risk score for the refund request received for the transaction, where the risk score indicating a risk of fraud associated with the refund request. A decision on authorization of the refund request is generated for the transaction, based on the risk score. A notification of the decision is transmitted via the network to a device of the second entity.
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公开(公告)号：US20230289790A1
公开(公告)日：2023-09-14
申请号：US17654751
申请日：2022-03-14
申请人： PayPal, Inc.
发明人： Muhammad Saad , Raoul Johnson , Jakub Burgis
CPC分类号： G06Q20/389 , G06Q20/4016 , H04L69/03
摘要： A method for generating a smart protocol includes providing, by a server computer system, a user interface to one or more of a plurality of users. The server computer system may receive, via the user interface, input specifying terms corresponding to a smart protocol that is to be deployed on a particular blockchain platform. The specified terms may include the plurality of users associated with the smart protocol and a web resource to be used to identify one or more external data. An execution of the smart protocol may be based on a value of the external data. Based on the specified terms, the server computer system may generate, without further input from the plurality of users, the smart protocol. The server computer system may deploy the smart protocol to the particular blockchain platform.
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公开(公告)号：US11978038B2
公开(公告)日：2024-05-07
申请号：US17662285
申请日：2022-05-06
申请人： PAYPAL, INC.
发明人： Jakub Burgis , Raoul Johnson , Andrew Marshall , Muhammad Saad
CPC分类号： G06Q20/36 , G06Q20/389 , G06Q20/401 , H04L9/50 , G06Q2220/00
摘要： Methods and systems for digital hot wallet protection are provided. A payment channel is established via a Layer-2 network of a cryptocurrency blockchain for transferring a cryptocurrency balance from a first digital wallet of a service provider to a second digital wallet of a trusted entity over a plurality of commitment transactions. A transaction receipt for each commitment transaction is transmitted to the trusted entity via a secure communication channel previously established between the service provider and the trusted entity outside of the Layer-2 network. A transaction log of the service provider is modified so that it no longer represents the current transaction state of the payment channel Responsive to detecting a breach of the first wallet, a transaction is broadcast to a Layer-1 network of the blockchain for transferring the total cryptocurrency balance from the first wallet to the second wallet.
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公开(公告)号：US20230298005A1
公开(公告)日：2023-09-21
申请号：US17697786
申请日：2022-03-17
申请人： PAYPAL, INC.
发明人： Muhammad Saad , Raoul Johnson , Jakub Burgis
CPC分类号： G06Q20/367 , G06Q20/4016 , G06Q2220/00
摘要： Methods and systems described herein may implement blockchain cryptocurrency transactions in a variety of environments. An online transaction processor may provide operations for cryptocurrency conversions. The transaction processor may detect that a user is involved in a cryptocurrency transaction with another entity, which is requested to be processed using an amount of cryptocurrency and using an off-chain amount of the cryptocurrency. The transaction processor may determine that the entity does not have a digital wallet, node, or the like on a layer two network to receive and/or process the off-chain balance for the cryptocurrency. The transaction processor may then, after a risk assessment, determine that the user may access the amount of the cryptocurrency from an on-chain balance available to a digital wallet of the cryptocurrency. The transaction processor may make that on-chain amount available and may request repayment via the user's off-chain balance.
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公开(公告)号：US20230394471A1
公开(公告)日：2023-12-07
申请号：US17832396
申请日：2022-06-03
申请人： PAYPAL, INC.
发明人： Muhammad Saad , Jakub Burgis , Raoul Johnson
IPC分类号： G06Q20/36
CPC分类号： G06Q20/3678 , G06Q2220/00
摘要： Methods and systems are presented for providing a framework for facilitating time-sensitive cryptocurrency transactions for users. When a request for processing a time-sensitive cryptocurrency transaction using funds from a cryptocurrency wallet is received from a user, a transaction system first verifies whether the cryptocurrency wallet has a balance to cover the cryptocurrency transaction. The transaction system also verifies the ownership of the cryptocurrency wallet based on an asynchronous method. The user generates verification data without any input from the transaction system, and based on a private key associated with the cryptocurrency wallet, a generator function, and a user-generated value. Without knowing the user-generated value, the transaction system verifies the ownership of the cryptocurrency wallet based on the verification data, and processes the transaction for the user.
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公开(公告)号：US20230360024A1
公开(公告)日：2023-11-09
申请号：US17662285
申请日：2022-05-06
申请人： PAYPAL, INC.
发明人： Jakub Burgis , Raoul Johnson , Andrew Marshall , Muhammad Saad
CPC分类号： G06Q20/36 , H04L9/50 , G06Q20/401 , G06Q20/389 , G06Q2220/00
摘要： Methods and systems for digital hot wallet protection are provided. A payment channel is established via a Layer-2 network of a cryptocurrency blockchain for transferring a cryptocurrency balance from a first digital wallet of a service provider to a second digital wallet of a trusted entity over a plurality of commitment transactions. A transaction receipt for each commitment transaction is transmitted to the trusted entity via a secure communication channel previously established between the service provider and the trusted entity outside of the Layer-2 network. A transaction log of the service provider is modified so that it no longer represents the current transaction state of the payment channel Responsive to detecting a breach of the first wallet, a transaction is broadcast to a Layer-1 network of the blockchain for transferring the total cryptocurrency balance from the first wallet to the second wallet.
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公开(公告)号：US20230206231A1
公开(公告)日：2023-06-29
申请号：US17562754
申请日：2021-12-27
申请人： PAYPAL, INC.
发明人： Muhammad Saad , Jakub Burgis , Raoul Johnson
CPC分类号： G06Q20/401 , H04L9/3239 , H04L2209/38 , H04L2209/56 , G06Q2220/00
摘要： Methods and systems are presented for tracking activities that occur off of a first layer blockchain in in a second layer network built on the first layer blockchain. In one embodiment, a computer system determines that a transfer of cryptocurrency from a first node to a second node has transpired in the second layer network based on querying channel capacities in the second layer network. The computer system determines a first public address for the first node based on information associated with a first channel that connects the computer system and the first node in the second layer network, and determines a second public address for the second node based on information associated with a second channel that connects the computer system and the second node in the second layer network. The first public address and the second public address are used to monitor activity in the first layer blockchain.
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