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    • 7. 发明授权
    • Delayed user authentication
    • US11611544B2
    • 2023-03-21
    • US17066164
    • 2020-10-08
    • PayPal, Inc.
    • Rahul Nair
    • H04L9/40H04L51/046H04W4/14
    • Techniques are disclosed relating to a delayed presentation of authentication challenge for users, such as in the context of a chat session. In various embodiments, a server system receives an indication of a request for service initiated by a user in a chat session within an application executed by a client device. The request for service involves an authentication of the user that is dependent on the authentication being successfully completed within a particular time period after the authentication is initiated. The server system delays the initiation of authentication for the request for service until a readiness condition is satisfied. The readiness condition includes the server system being available to process the request for service, as well as subsequently detecting engagement with the user relating to the request for service. In response to the readiness condition being satisfied, the server system initiates the authentication of the user.
    • 9. 发明申请
    • Hardline Threshold Softening
    • US20230076010A1
    • 2023-03-09
    • US17408797
    • 2021-08-23
    • PayPal, Inc.
    • Itay Margolin
    • G06Q40/00
    • A first schema accessed is associated with a plurality of entities that are participants of an electronic system. Each entity has a corresponding attribute. Each of a first subset of the entities has a respective attribute value below a threshold. Each of a second subset of the entities has a respective attribute value above the threshold. According to the first schema, it is determined that data and/or transactions associated with the first and second subsets of the entities are processed using a first and a second model, respectively. A second schema is generated by softening the predefined threshold such that according to the second schema, data and/or transactions associated with the first subset of the entities and data and/or transactions associated with the second subset of the entities are each processed using both the first model and the second model. The second schema is implemented in the electronic system.