Paypal, Inc.

Nilotpal Paul

Chun Kiat Ho

Lin Song

Rey Neo

Jyothish Kozhipurath

Vipul Jain

Anurag Singh

Jie How Ko

RaviKumar PhoolChand Vishwakarma

Anu Kumari

Atul Kumar Agrawal

Mihir Sirohi

Machine learning techniques are disclosed that allow device contact list information to be leveraged in building better models that provide more accurate assessment of user transaction risks. A computing device may receive a contact list that includes a first set of user device identifiers and generates a contact graph for that user by associating the user device identifier with the first set as first-degree contacts. The computing device may then determine that a portion of the first set of the user device identifiers are stored in a contact database (e.g. on a server) and generate a user score based on user information associated with the first set, the contact graph, and a contact graph model. The computing device may provide the user score to a transaction assessment service as in input for the transaction assessment service deciding whether particular electronic transactions are approved for processing by an electronic service provider.

Contact graph scoring system

Methods and systems for content distribution and management are presented. A transaction flow for conducting different stages of a transaction is determined in response to a request for the transaction from an application executable at a user device. The transaction flow includes a sequence of content pages to be displayed within a graphical user interface (GUI) of the application over the different stages of the transaction. The content associated with a tagged UI element of at least one content page is identified. The content is validated for the tagged UI element of the at least one content page, based on a software and hardware configuration of the user device. The validated content is provided via a network to the application at the user device to be displayable with the tagged UI element on the at least one content page of the transaction flow during a corresponding stage of the transaction.

Artificial intelligence (AI) engine for dynamic content distribution and management

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Bengaluru, India

Nilotpal Paul