San Jose, CA, United States
San Jose, CA, United States

PayPal is an American, international digital wallet based e-commerce business allowing payments and money transfers to be made through the Internet. Online money transfers serve as electronic alternatives to paying with traditional paper methods, such as checks and money orders.PayPal is one of the world's largest internet payment companies. The company operates as an acquirer, performing payment processing for online vendors, auction sites and other commercial users, for which it charges a fee.Established in 1998, PayPal had its IPO in 2002, and became a wholly owned subsidiary of eBay later that year. In 2013, PayPal moved $180 billion in 26 currencies across 193 nations, generating a total revenue of $6.6 billion . In 2014, eBay announced plans to spin-off PayPal into an independent company the following year. Wikipedia.


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Patent
PayPal | Date: 2017-01-31

Systems and methods for providing multi-platform, in-application payments include transferring funds, by a payment service provider device, from a funding source to a payment account in response to receiving a first fund transfer instruction from one of a first user device and a second user device over a network. The payment service provider device then associates the payment account with a first platform application in response to receiving a first association instruction from the first user device over the network, and associates the payment account with a second platform application in response to receiving a second association instruction along with the user account information from a second user device over the network. The payment service provider device will pay for each of a first in-application purchase associated with the first platform application and a second in-application purchase associated with the second platform application using the payment account.


Patent
PayPal | Date: 2017-01-31

A two step method for transferring money from a sender to a recipient includes entering information relating to the transfer into a near field communication (NFC) enabled device of the sender. The device is then placed in contact with or close proximity to a recipients device a first time, causing the senders device to establish an NFC link between the two devices and to gather information relating to the recipient via the NFC link. The senders device is then placed in contact with or close proximity to the recipients device a second time, causing it to transmit the information relating to the transfer and the recipient to a third party service provider via another network, e.g., the Internet, thereby causing the service provider to transfer the money from an account of the sender to an account of the recipient.


Patent
PayPal | Date: 2017-01-31

A bridged wireless communication system includes a user device that is configured to perform wireless communications natively using a second wireless technology, and a wireless technology bridging system chassis such as, for example, a user device case, coupled to the user device. The wireless technology bridging system chassis houses a first technology wireless controller that is configured to perform wireless communications using a first wireless technology that is different from the second wireless technology, and a second technology wireless controller that is configured to perform wireless communications using the second wireless technology. A bridging engine receives first wireless communications of the first wireless technology through the first technology wireless controller, converts the first wireless communications from the first wireless technology to the second wireless technology, and sends the first wireless communications of the second wireless technology through the second wireless technology controller and to the user device.


A system and/or method may be provided to silently authenticate a user. An example method of silently authenticating a user includes receiving a set of device characteristics from a user device and identifying, based on the set of device characteristics, the user device. The method also includes determining whether to trust the user device and determining whether the user device is associated with a user that was previously authenticated. The method further includes in response to determining to trust the user device and that the user device is associated with the user that was previously authenticated, authenticating the user based on the previous authentication.


Techniques described herein relate to using a unique session tracking value that is associated with a web browsing session to correlate a later transaction with a device fingerprint for a user device. The unique session tracking value may be generated via a web page that is being browsed by a user. While the user is browsing, a device fingerprint for the user device may be generated, and the unique session tracking value is stored in association with the device fingerprint, in various embodiments. Later, when a user attempts a transaction, the unique session tracking value can be transmitted via the website so that a service provider can retrieve the device fingerprint, which can be used in assessing a risk of fraud for the transaction.


Patent
PayPal | Date: 2017-02-27

Systems and methods for facilitating a purchase are described. When a payment processor declines a transaction, an error code is sent to a merchant. The error code indicates to the merchant that the failed transaction is recoverable if the user chooses a new funding source or payment instrument. The merchant sends the user back to a payment service provider site where the user can either choose a new funding source or enter a new payment method.


Patent
PayPal | Date: 2017-02-13

Systems and methods for providing authentication include receiving an authentication passcode input through an input device of a user device from a first user. The first user is authenticated in response to the authentication passcode input matching at least one user authentication passcode in a database, and an authentication time period is associated with the authentication of the first user and allows the first user access to at least one application on the user device. A plurality of authentication factors are then detected using the user device, and plurality of authentication factors are not an authentication passcode input received through the input device. The plurality of authentication factors are then determined to match the at least one authentication profile in the database and, in response, the authentication time period is extended such that the first user is allowed continued access to the at least one application on the user device.


There is provided systems and method for interactive voice response interface for webpage navigation. An existing webpage may be altered so that the webpage and corresponding forms offer Interactive Voice Response (IVR) to a user. A JavaScript library of other software component corresponding to the IVR interface may be downloaded to the users system and/or browser when the user accesses the webpage. The webpage includes HTML tags corresponding to elements or a separate file/database may include links to the elements. The HTML tags and/or file/database correspond to an IVR flow of information. The JavaScript library is built to interpret the HTML tags and/or file/database so the IVR flow of information may be presented to the user.


Patent
PayPal | Date: 2017-05-31

Methods, systems, and computer program products for secure cardless cash withdrawal are provided. A computer-implemented method may include identifying one or more cash machines near a computing device of a user, receiving a cash request from the computing device, generating a one-time authorization code on a secure server for the cash request when the computing device is detected by a sensor of a selected cash machine, providing the one-time authorization code to the computing device for display to the user when the computing device is detected within a distance allowing the user to operate the cash machine, validating a user-provided code received from the selected cash machine in view of the one-time authorization code, instructing the selected cash machine to distribute the requested cash when the user-provided code is validated, and invalidating the one-time authorization code when the cash request is completed.


Patent
PayPal | Date: 2017-01-04

Embodiments of the present invention relate to systems, methods, processes, computer program code, and means for employing the wireless or near field communication (NFC) functionality of mobile devices and payment terminals for use in payment, loyalty, and offer and coupon transactions.

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