Paypal, Inc.

Pankaj Sarin

Vinesh Chirakkil

Thomas Anthony Doran

Matthew Fundus

There are provided systems and methods for automated data tokenization through networked sensors. A network of data sensors may detect that a user is likely to engage in electronic transaction processing with a merchant device, for example, based on an action performed by the user and/or with a user device. One or more of the sensors may connect with the user's device and retrieve financial data from the device and/or data necessary to issue a token to the device for transaction processing. The sensor may perform a background process to issue the token to the device, and once onboarded, may store the token to the user's device and/or the merchant device that the user is likely to interact with for transaction processing. The token may be limited in use by location and/or amount, or may be used to fully onboard the user with the token service provider.

Automated data tokenization through networked sensors

Systems and techniques that facilitate computing touchpoint journey recommendations are provided. In various embodiments, an input component can receive a computing context of a client and a computing profile of a client. In various instances, the client can be engaged in a computing touchpoint journey. In various embodiments, a prediction component can predict, via a first machine learning classifier, a negative event likely to occur on the computing touchpoint journey. In various cases, the first machine learning classifier can receive as input the computing context and the computing profile and can generate as output the predicted negative event. In various embodiments, a decision component can recommend in real-time, via a second machine learning classifier, a computing touchpoint to which to transfer the client. In various aspects, the second machine learning classifier can receive as input the computing context, the computing profile, and the predicted negative event and produce as output the recommended computing touchpoint. In various embodiments, an execution component can transfer the client to the recommended computing touchpoint. In various embodiments, a computing touchpoint journey component can record computing touchpoint journeys traversed by various clients and trains the first and second machine learning classifiers on the recorded computing touchpoint journeys.

Dynamic computing touchpoint journey recommendation platform

A token issuance system receives a first purchase request for at least one of a good or a service from a merchant at a merchant location. The system generates a payment token based on the purchase request such that the payment token is associated with a proximity condition. The system then determines that a location of a user device that is associated with the purchase request satisfies the proximity condition. In response to the determining that the location of the user device that is associated with the purchase request satisfies the proximity condition, the system provides the payment token to the merchant.

Proximity-based token issuance system

The systems and methods of the multi-blockchain transaction information segregation system of the present disclosure receive a first digital transaction, which includes first digital transaction information and second digital transaction information, through a network via broadcast by a first transaction device. A primary blockchain address provided on a primary blockchain is then identified in the first digital transaction, and a primary blockchain smart contract that is stored on the primary blockchain in association with the primary blockchain address is accessed. The primary blockchain smart contract is then executed to cause the first digital transaction information to be stored on the primary blockchain, and the second digital transaction information to be stored on a secondary blockchain that is separate from the primary blockchain. In a specific example, the first digital transaction information identifies a physical property, and the second digital transaction information identifies a purchase price of the physical property.

Multi-blockchain digital transaction information segregation system

Systems and techniques for facilitating detection of data duplication issues relating to generation of non-fungible tokens are provided. In various embodiments, a computer system can access a digital artwork image. In various aspects, the computer system can generate a set of plagiarism probabilities by comparing the digital artwork image to a set of cached digital artwork images. In various instances, a given plagiarism probability in the set of plagiarism probabilities can indicate a likelihood that the digital artwork image was derived from a given cached digital artwork image in the set of cached digital artwork images. In various cases, the computer system can calculate an authenticity score for the digital artwork image based on the set of plagiarism probabilities. In various aspects, the computer system can determine whether the authenticity score for the digital artwork image satisfies a threshold authenticity value.

Detection of duplicated data for non-fungible tokens

Disclosed methods include receiving, by a system, a request from a computing device for an information exchange between a first entity and a second entity, and then generating a first token request for a cryptographic token to be authorized to enable the exchange. In response to receiving an indication that authorization was declined, the system may cause the computing device to identify a different cryptographic token of a connected application. The different cryptographic token may be usable by the connected application to authenticate the first entity to a computer service associated with the connected application. The system may communicate with the computer service to approve use of the different cryptographic token by the system, and then generate a second token request for a substitute cryptographic token using information from the different cryptographic token. The system may complete, using the substitute cryptographic token, the exchange between the first and entities.

Interactive token of things

Systems and methods for providing a resource-based distributed public crypto currency blockchain include system provider device(s) that receive first crypto currency transaction information for a first crypto currency transaction that is configured to provide for the transfer of a crypto currency to a payee via a primary distributed public crypto currency blockchain maintained by computing devices. The system provider device(s) identify resource information provided by each computing device and use the resource information to select a subset of the computing devices for processing the first crypto currency transaction. The system provider device(s) then broadcast, via the network to each computing device, the first crypto currency transaction information for the first crypto currency transaction in order to cause a first computing device to process the first crypto currency transaction as part of a first block that is added to the primary distributed public crypto currency blockchain.

Resource-based distributed public ledger system

The present disclosure is directed to consolidated token routing. First data corresponding to a request to conduct a first transaction is analyzed. A first token is generated for the first transaction. Second data corresponding to a request to conduct a second transaction is analyzed. A second token is generated for the second transaction. In response to determining that at least a first component of the first data corresponds to a first component of the second data, a routing of the first token and a routing of the second token are consolidated. The consolidation of the token routing includes transmitting the first token and the second token to one or more devices in a single transmission.

Routing multiple tokens in a single network hop

Systems and methods for transaction management include receiving, from a user device associated with a user, a transaction request and receiving, through a network in a token form, user information associated with the user while the user is accessing transaction information from the user device. The user information comprises data associated with an action by user or a biometric of the user captured by the user device. Based on data associated with the transaction request, a delay in processing the transaction request due to a transaction rule is determined, and then based on the user information, a user interaction indicator associated with the transaction is determined. A transaction management action associated with the transaction is performed based on the user interaction indicator.

Systems and methods for automated transaction management

A mempool of a miner of a blockchain system is accessed. The mempool contains at least a first transaction and a second transaction. A determination is made that the first transaction and the second transaction are related to each other. In response to the determination, the first transaction and the second transaction are linked. The linking of the first and second transactions comprises aggregating data associated with the first transaction and the second transaction into an aggregated data set. The aggregated data set is written into a single block of the blockchain system.

System and method for optimizing data writing to a blockchain

Cached data is obtained from a device. The cached data includes data saved on the device in response to electronic searches or electronic messaging performed by a user using the device. A determination is made, at least in part via the cached data, regarding an intended use context associated with the electronic searches or the electronic messaging. Using the intended use context, a confidence level is determined. In response to the determined confidence level meeting or exceeding a predefined threshold, a transaction involving the user is automatically executed, or an electronic communication is automatically sent on behalf of the user.

Self-executing bot based on cached user data

Methods and systems are presented for facilitating sharing of tokens among different funding accounts linked to a digital wallet application to improve the computer resource efficiency of the mobile device. When a first funding account is linked to the digital wallet application is received, a token management system may determine whether a set of tokens have already been issued and stored on the mobile device for another related funding account. The token management system may cause a token service provider server to abort generating additional tokens for the first funding account. Instead, the token management system may modify characteristics of one or more of the set of tokens existed on the mobile device, to enable the one or more existing tokens to be usable in electronic payment transactions in association with the first funding account or the second funding account.

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Elkhorn, NE, United States of America

Pankaj Sarin