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31. 发明授权

US11556408B2 Classifying errors in a failure log 有权
公开(公告)号：US11556408B2
公开(公告)日：2023-01-17
申请号：US17198910
申请日：2021-03-11
申请人： PayPal, Inc.
发明人： Anchika Agarwal , Pushpinder Singh
IPC分类号： G06F11/07
摘要： Techniques are disclosed relating to a method that includes accessing, by a failure management program, a failure log that includes a plurality of character strings corresponding to errors that are associated with execution of one or more batch processes. The failure management program may compare a particular character string of the plurality of character strings to a set of character strings that are associated with respective ones of a plurality of failure categories. This comparing may include determining whether particular keywords that are included in respective ones of the set of character strings are included in the particular character string. In response to the comparing, the failure management program may assign a particular error corresponding to the particular character string to a particular failure category, or may determine a new failure category if the particular character string does not match an existing failure category.

32. 发明申请

US20230012458A1 IDENTIFYING TRANSACTION PROCESSING RETRY ATTEMPTS BASED ON MACHINE LEARNING MODELS FOR TRANSACTION SUCCESS 有权
公开(公告)号：US20230012458A1
公开(公告)日：2023-01-12
申请号：US17369537
申请日：2021-07-07
申请人： PAYPAL, INC.
发明人： Aditya Jain , Piyush Neupane , Yogesh Krishna Kandlur , Visak Chockalingom
IPC分类号： G06Q20/34 , G06N20/20 , G06N5/04 , G06Q40/02 , G06Q30/02 , G06Q20/02 , H04L29/06
摘要： There are provided systems and methods for identifying transaction processing retry attempts based on machine learning models for transaction success. A service provider, such as an electronic transaction processor for digital transactions, may detect a failure of data processing for a transaction when processed with a separate data processing system, such as a card processing system for payment cards. In order to minimize cost and wasted resources for retrying transactions that are likely to further fail, a machine learning model may be implements that generates a predictive score for whether a failed transaction is likely to be successful if retried with the data processing system. The predictive score may be used to predict a probability of success, which may then be used with a cost function to determine a cost to retry the failed transaction and a cost to stop a retry of the failed transaction.

33. 发明授权

US11550999B2 Data management using topic modeling 有权
公开(公告)号：US11550999B2
公开(公告)日：2023-01-10
申请号：US16674728
申请日：2019-11-05
申请人： PAYPAL, INC.
发明人： Yaqin Yang , Dinesh Kumar , Fransisco Kurniadi
IPC分类号： G06F16/35 , G06F40/216 , G06F16/335 , G06N20/00 , G06F40/295
摘要： Systems and methods for data management using machine learning and artificial intelligence techniques related to topic modeling on text comments are described. The text comments may correspond to a particular transaction conducted by a user. Machine learning text analysis is performed on the text comment to determine one or more topics associated with the text comment. The topic with the highest correlation to the text comment is assigned to the transaction claim. Based on the topic assigned to the transaction claim, various actions may be performed, including remedial actions on a user account. These techniques may be applicable to chargeback fraud, in some embodiments.

34. 发明申请

US20230007079A1 Data Sharing In Geographically Partitioned Networks 有权
公开(公告)号：US20230007079A1
公开(公告)日：2023-01-05
申请号：US17518219
申请日：2021-11-03
申请人： PayPal, Inc.
发明人： Christopher McGraw , Mohammed Saleem Shafi , Norihiro Edwin Aoki
IPC分类号： H04L29/08
摘要： Techniques are disclosed for the sharing and transferring of user data in online network systems operating in multiple jurisdictions. The different jurisdictions may be, for example, different geo-partitions in an online network system. Various techniques are disclosed for providing cross-partition operational functionalities (e.g., cross-geo transactions) between geo-partitioned server systems through the sharing and transferring of data between the geo-partitions. The geo-partitions may have established permissions for data that can be shared between the geo-partitions. A server system in one geo-partition may generate an auxiliary account from a subset of data shared across the geo-partitions that complies with the data permissions. Complying with the established data permissions may inhibit overlapping between the different laws or regulations of the geo-partitions.

35. 发明授权

US11546294B2 Network containers 有权
公开(公告)号：US11546294B2
公开(公告)日：2023-01-03
申请号：US17490715
申请日：2021-09-30
申请人： PayPal, Inc.
发明人： Sharad Murthy
IPC分类号： G06F15/16 , H04L61/5084 , H04L61/5007 , H04L61/5061
摘要： The systems and methods that maintain an IP address of a container when the container is moved from a first node to a second node in a data center are provided. Each node includes a local controller which is communicatively coupled to the central controller. The local controller generates an IP address for a container that executes on the first node. A label unique to the container is also generated on the first node. The local controller then synchronizes the IP address and the label of the container with the central controller. The central controller then passes the IP address and the label to the second node when the container is moved from the first node to the second node, and ensures that the IP address of the container remains the same before and after the move.

36. 发明授权

US11544773B2 Device, method, and non-transitory machine-readable medium for a single page slide checkout 有权
公开(公告)号：US11544773B2
公开(公告)日：2023-01-03
申请号：US16182485
申请日：2018-11-06
申请人： PayPal, Inc.
发明人： Sandra Lynn Godsey
IPC分类号： G06Q30/06
摘要： A system and method of presenting selectable checkout options for an item listing on a single page. A single page for an item listing is caused to be displayed on a device. The single page comprises a selectable item identifier for an item and a plurality of selectable checkout options for the item. The plurality of selectable checkout options comprises different types of selectable checkout options. An indication of a selection of the item identifier and an indication of a selection of one of the selectable checkout options are received. A visual representation of the selection of the selectable item identifier and a visual representation of the selection of one of the selectable checkout options are causes to be displayed on the single page. A visual representation for each of the selected checkout options are displayed as being attached to the visual representation of the selected item identifier.

37. 发明申请

US20220417229A1 Time Constrained Electronic Request Evaluation 有权
公开(公告)号：US20220417229A1
公开(公告)日：2022-12-29
申请号：US17399300
申请日：2021-08-11
申请人： PayPal, Inc.
发明人： Vishal Sood , Yegya Narayanan Gopala Krishnan , Sudhindra Murthy , Vidya Sagar Durga , Chirag Gupta
IPC分类号： H04L29/06 , G06N20/00
摘要： 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.

38. 发明申请

US20220414664A1 BLOCKCHAIN ADDRESS RISK ASSESSMENT VIA GRAPH ANALYSIS 有权
公开(公告)号：US20220414664A1
公开(公告)日：2022-12-29
申请号：US17361400
申请日：2021-06-29
申请人： PayPal, Inc.
发明人： Lichao Liu , Michael Jim Tien Chan
IPC分类号： G06Q20/40 , G06Q20/06 , G06Q20/38 , H04L9/32 , G06N20/00
摘要： Novel technical ways of analyzing a blockchain system using machine learning are presented, including structures and techniques that can facilitate blockchain address risk assessment via graph analysis. In various embodiments, a system can access a blockchain. The system can build a transaction graph based on analysis of the blockchain. Nodes of the transaction graph can respectively represent blockchain addresses that are recorded in the blockchain. In various cases, edges in the transaction graph can respectively represent blockchain transactions between different ones of the blockchain addresses that are recorded in the blockchain. The system can calculate risk scores respectively corresponding to the blockchain addresses, based on analyzing the transaction graph via at least one machine learning algorithm. These techniques can improve computer operational efficiency by avoiding the execution of unnecessary blockchain transactions.

39. 发明申请

US20220414645A1 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
申请人： PAYPAL, INC.
发明人： Guhan Senguttuvan , Satish Narayan Govindarajan , Anantharaj Uruthiralingam , Carlos Manuel Rivas , Gordon Lo , Jeffrey Hirsch
IPC分类号： G06Q20/32 , G06K19/07 , G06K19/077
摘要： 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.

40. 发明申请

US20220414536A1 Execution of Machine Learning Models at Client Devices 有权
公开(公告)号：US20220414536A1
公开(公告)日：2022-12-29
申请号：US17402709
申请日：2021-08-16
申请人： PayPal, Inc.
发明人： Nishanth M L , Chandan CG
IPC分类号： G06N20/00 , G06F21/60 , G06K9/62 , H04L9/14
摘要： Techniques are disclosed relating to the execution of machine learning models on client devices, particularly in the context of transaction risk evaluation. This reduces computational burden on server systems. In various embodiments, a server system may receive, from a client device, a request to perform a first operation and select a first machine learning model, from a set of machine learning models, to send to the client device. In some embodiments the first machine learning model is executable, by the client device, to generate model output data for the first operation based on one or more encrypted input data values that are encrypted with a cryptographic key inaccessible to the client device. The server system may send the first machine learning model to the client device and then receive, from the client device, a response message that indicates whether the first operation is authorized based on the model output data.

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