Paypal, Inc.

Lisnr, Inc.

Srivathsan Narasimhan

Cheng Tian

Zahid Nasiruddin Shaikh

Yashovardhana Samethanahalli Kote

Michael Charles Todasco

Avik Chatterjee

Satish Narayan Govindarajan

Akshay Sanjeevaiah Krishnaiah

Eric Byungho Min

Sandy Godsey

Philip Chuang

Premkumar Alagarsamy

Rohan Baddam

Aravindan Ranganathan

Megan Marie O'Neill

Teddy Vincent Toms

Abhijeet Arvind Ranadive

Srinivasan Rangaraj

Komalta Rajani

Eric Allen

Craig Kawahara

A system includes a service provider device and a point of sale (POS) device. A session between a user device and the POS device is established. An authentication request associated with the user device is provided via a user interface of the POS device. Subsequent to an authentication of information, responsive to the authentication request, the POS device receives funding instrument (FI) proxy information corresponding to FIs, which is unusable to identify the FIs by a merchant. A selectable representation corresponding to the FI proxy information is provided via the user interface. Responsive to receiving an indication of a selected member from the selectable representation, information for the selected member is sent. The service provider device determines that the session corresponds to an account associated with the user device and the merchant, and performs a transaction for the session using a first FI that corresponds to the selected member.

Electronic identification and authentication system

Virtual currency ledger secured physical currency transmissions include receiving a physical currency transfer request from a physical currency receiver device of a physical currency receiver, and identifying a physical currency deliverer device of a physical currency deliverer. A physical currency delivery confirmation code is then associated with a recipient identified in the physical currency transfer request, and a virtual currency address controlled by the physical currency deliverer and included in a virtual currency public ledger is identified to the physical currency receiver device. A reimbursement request code is then received from the physical currency deliverer device and verified using the physical currency delivery confirmation code. In response to the verification, a multi-signature transaction that has been previously signed by the physical currency receiver is then signed to cause a virtual currency amount to be transferred via the virtual currency public ledger to the virtual currency address controlled by the physical currency deliverer.

Virtual currency secured physical currency transmission system

Methods and systems for a device identification system may be provided. The device identification system may determine an identity of a user device associated with a transaction. The identity may be determined by network address information, hard link information, soft link information, and/or other such information. The network address information may include IPv4 information, IPv6 information, a device ID, and/or other such information. The identity of the user device may be determined and a transaction conducted from the user device may be assigned a fraudulent transaction risk score according to the information. Transactions that are determined to be at a high risk of fraud may be reviewed or otherwise flagged and/or canceled.

Device identification systems

Various systems, mediums, and methods may be implemented to provide data security by detecting microcontrollers in physical wallets. One example method may include detecting that a physical wallet comprises a plurality of physical cards based at least on a communication with a microcontroller of the physical wallet; comparing the plurality of physical cards with a plurality of digital cards of a digital wallet that corresponds the physical wallet; detecting at least one missing physical card from the physical wallet based at least on comparing the plurality of physical cards with the plurality of digital cards; and transmitting a notification to one or more user devices with access to the digital wallet. The notification may indicate information identifying the at least one missing physical card.

Data security systems configured to detect microcontrollers in physical wallets

A computer system detects the reception of a first token associated with a first transaction. The computer system determines that a first Payments Reward Identifier (PRI) is associated with the first token by accessing a PRI database. In response to determining that the first PRI is associated with the first token, the computer system accesses the PRI database and determines that the first PRI is associated with a record within the PRI database that corresponds to a first rewards ID (RID). In response to determining that the first PRI is associated with a record within the PRI database that corresponds to the first rewards, the computer system determines a first rewards amount corresponding to the first transaction, and updates a total rewards amount, in a rewards database, corresponding to the determined first RID based on the first rewards amount.

Utilizing payment tokens to track rewards

Systems and methods for public ledger authentication includes receiving a first previous authentication public ledger address and a first current authentication public ledger address from a user. A verified static user key is identified in a public ledger using the first previous authentication public ledger address. A second current authentication public ledger address is then provided to the user for use in the current authentication attempt. Authentication attempt information is determined that includes a number of authentication attempts by the user, and used in a hash operation with the verified static user key to generate a first user authentication key. A second user authentication key is retrieved from the public ledger that was sent from the first current authentication public ledger address to the second current authentication public ledger address in a transaction, and the user is authenticated if the second user authentication key matches the first user authentication key.

Public ledger authentication system

Systems and methods for an account integration system include establishing, by a service provider device, a first session with a service provider account associated with a user. After determining that a second session between a user device and the third party account of the user is active, a first validation is caused to access third party account information associated with the second session. The third party account information and the service provider account information are concurrently displayed by a display interface of the service provider device. A transaction request for a transaction associated with the service provider account and the third party account of the user is received. Information is sent to cause a second validation of the transaction request by a provider of the third party account. In response to the second validation of the transaction request, the requested transaction is processed.

Systems and methods for location based account integration and electronic authentication

The present disclosure relate to equalization of audio transmissions that are used to transmit content, such as advertisements, promotions, redemptions, and/or other types of content (e.g., images, multimedia, audio, web-based, applications, and/or the like) between a first computing device. In some instances, the transmission may occur when the first computing device is located within proximity to a physical location, such as an entity or drive through location.

Systems and methods for enabling audio transactions in physical locations such as drive-through locations

The adaptive learning systems described herein may include machine-learning engines, product configuration engines, and/or various other components configured to improve the efficiency of processing transactions. The systems described herein may detect and/or predict declined transactions, token deficiencies, insufficient system capacities, and/or other system anomalies. As such, the system may perform operations to generate additional tokens associated with assets, provision various bin ranges, and/or share reserve capacities, and/or other operations. Thus, the system may improve system efficiencies, ensure reliability and operability across the system, and optimize the operations for successfully processing transactions.

Adaptive learning system with a product configuration engine

Systems and methods for managing user data across multiple applications and devices are disclosed. An example method includes: detecting a user is conducting a transaction using a first application installed on a user device; determining that the user is requesting one or more payment options from a first merchant associated with the first application; determining that a global payment method is selected by the user; determining that the user device is a trusted device associated with the user; and in response to determining that the user device is a trusted device, providing the global payment method to the user in the first application on that same device or a different device.

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San Jose, CA, United States of America

Srivathsan Narasimhan