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: 2016-11-04

Methods and systems for managing merchant cash flow are described. A service provider accesses a large volume of merchant financial data collected and/or received to provide a meaningful forecast on merchant cash flow. Based on the forecast (e.g., positive or negative cash flow position), the service provider can provide options (e.g., credit, loan, deferred payment, etc.) to the merchant.


A scalable continuous integration (CI) system and/or method may be provided to manage and implement a plurality of code changes submitted in a code base. In particular, the scalable CI system may use a divide-and-conquer approach in which a set or a queue of code changes may be divided into smaller sets/queues of code changes. The division may continue recursively until the rate of defect introduction per change set, the rate of change set delivery per time, and the pipeline latency in the divided sets/queues satisfy a particular threshold. Change sets in the divided sets/queues that fail particular quality constraints may be removed from the divided sets/queues. After the failed change sets have been removed, the divided sets/queues may be recombined back into one set/queue.


A scalable continuous integration (CI) system and/or method may be provided to manage and implement a plurality of code changes submitted in a code base. The scalable CI system and/or method may implement an automated failure analysis. In particular, a defect search technique, a machine learning technique, or both, may be implemented to identify failing change sets in a queue of change sets. The machine learning algorithm may first be applied to see if failing change sets may be identified, then the system may fall back to the defect search algorithm when the machine learning technique is not adequate. In the machine learning technique, the system may use an artificial neural network (ANN) to determine failure risks of change sets. The identified failing change sets may be removed from the queue.


Patent
PayPal | Date: 2016-12-05

Apparatus, systems, and methods may operate to examine a quantity of language-based communication to determine a plurality of topics associated with the quantity, and to determine whether a number of the plurality of topics converge to a selected degree. Responsive to determining convergence to the selected degree, ranking selected topics in the plurality of topics according to relevance may occur. Additional apparatus, system, and methods are disclosed.


Patent
PayPal | Date: 2016-11-08

Methods, systems, and computer program products for providing behavioral stochastic authentication (BSA) are disclosed. For example, a computer-implemented method may include authenticating a user of a mobile device at a plurality of different times based on authentication credentials, collecting stochastic data associated with the mobile device during time periods corresponding to authenticating the user of the mobile device at the plurality of different times, and in response to an authentication request, authenticating the user of the mobile device based on comparing current data associated with the mobile device and the collected stochastic data to determine that the user of the mobile device is trusted.


Patent
PayPal | Date: 2016-08-19

Systems and methods that help ensure that assist a user with bill payment on a graphical user interface (GUI) are described. After receiving bill payment information from the user through the GUI, bill payments are aggregated over a given period of time, allowing a user to make a single payment to ensure that all appropriate bills and/or invoices are paid in a timely fashion. Through use of the GUI, a user can avoid the traditional hassle and stress of tracking and paying bills.


Patent
PayPal | Date: 2016-07-11

The present invention relates to a method for transmitting a code to a user in which the user transmits his or her financial account identifier information to a code allocation unit 3, the code allocation unit 3 transfers an amount of money to the financial institution 5 specified by the user and/or transfers an amount of money from the financial institution 5 specified by the user, thereby submitting the account identifier information and the code to be transmitted as additional information with this transfer and/or this debit, and the financial institution 5 forwards a receipt for the transfer and/or debit together with the additional information to the user.


A method and a system to facilitate differentiated levels of service in a network-based marketplace are described. The system may include a transaction monitor to monitor activity of a user with respect to a network-based marketplace; a status generator to generate a status within the network-based marketplace, for the user based at least partially on the monitored activity; and a user service module to provide service within the network-based marketplace to the user in accordance with the determined status of the user. Users may achieve a preferred user status within the network-based marketplace. A preferred user may receive preview listings of items that are not available to users who did not achieve a preferred user status. A preferred user may also receive personalized customer service within the network-based marketplace.


Patent
PayPal | Date: 2016-11-21

Methods and systems according to one or more embodiments are provided for storing online transaction records associated with user-merchant transactions. In an embodiment, a system comprises one or more processors. The system also comprises one or more memories adapted to store a plurality of machine-readable instructions which when executed by the one or more processors are adapted to cause the system to: receive transaction information captured and passed from a client device in response to the client device determining that information or content provided by a merchant server comprises transaction information, wherein the transaction information is associated with a user-merchant transaction; and store the received transaction information in a searchable machine-readable transaction record associated with a user account.


Patent
PayPal | Date: 2016-11-21

Methods, systems, and computer program products for providing monitored transactions at automated teller machines are disclosed. For example, a computer-implemented method may include receiving, at an automated teller machine, a transaction request from a mobile device of a user, generating an electronic transmission based on the transaction request, sending the electronic transmission to a server machine, receiving a result from the server machine based on the electronic transmission, and providing information associated with the result of the electronic transmission to the mobile device of the user.

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