Paypal, Inc.

Darshankumar Bhadrasinh Desai

Michael Charles Todasco

Abhishek Chhibber

Nitin S Sharma

Vidyut Mukund Naware

Dinesh Gomes

Rachna Tibrewala

Techniques are disclosed in which a computing device repeatedly trains, using a stream of user data received at the computing device, a baseline model to generate a device-trained model, wherein the baseline model is trained at the computing device without providing user data included in the stream to a server computer system. In some embodiments, the computing device inputs, to the device-trained model, a set of characteristics associated with a user request received from a user of the computing device, wherein the device-trained model outputs a score for the user request. In some embodiments, the computing device transmits, to the server computer system, the score for the user request, wherein the transmitting includes requesting a decision for the user request. In some embodiments, the computing device performs an action associated with the user request in response to receiving a decision for the user request from the server computer system.

Edge device machine learning

Techniques are disclosed in which a computer system receives, from a plurality of user computing devices, a plurality of device-trained models and obfuscated sets of user data stored at the plurality of user computing devices, where the device-trained models are trained at respective ones of the plurality of user computing devices using respective sets of user data prior to obfuscation. In some embodiments, the server computer system determines similarity scores for the plurality of device-trained models, wherein the similarity scores are determined based on a performance of the device-trained models. In some embodiments, the server computer system identifies, based on the similarity scores, at least one of the plurality of device-trained models as a low-performance model. In some embodiments, the server computer system transmits, to the user computing device corresponding to the low-performance model, an updated model.

Federated machine learning management

Techniques are disclosed in which an edge user computing device pre-processes a stream of user data prior to using the stream of data to train a machine learning model at the edge device. The edge device receives the stream of user data, where the stream of data includes a first set of characteristics associated with the edge device and a second set of characteristics associated with a plurality of user requests received from a user of the edge device. The edge device repeatedly generates, using the stream of data, sets of pre-processed user data by performing pre-processing techniques on characteristics included in the stream of data. The edge device repeatedly trains, using the sets of pre-processed data, a baseline model to generate a device-trained model, where the baseline model is trained at the edge device without providing user data included in the stream of data to a server computer system.

Edge device representation learning

Techniques are disclosed in which a computer system receives a transaction request and uses a federated machine learning model to analyze the transaction request. A server computer system may generate a federated machine learning model and distribute portions of the federated machine learning models to other components of the computer system including a user device and/or edge servers. In various embodiments, various components of the computer system apply transaction request evaluation factors to the portions of the federated machine learning model to generate scores. The server computer system uses the scores to determine a response to the transaction request.

Device-side federated machine learning computer system architecture

There are provided systems and methods for a payment information autofill mechanism that links a browser application with a user account such that a payment page at the browser application can be automatically filled based on the link. Specifically, the autofill mechanism establishes a link between a browser application running on a user device and a user account associated with the user that is stored at the server. When the user engages with the browser application to conduct a transaction on a merchant website, an application programming interface (API) call can be made to retrieve user virtual card information for automatically populating the payment data fields at the transaction page.

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Fremont, CA, United States of America

Darshankumar Bhadrasinh Desai