Paypal, Inc.

Teddy Vincent Toms

Shilpa Dhar

Poornima Venkatakrishnan

Aditya Jain

Kiran Kumar Sridhar

Jeffrey Edward Harrell

Balaji Raja

Srivathsan Narasimhan

Abhijeet Arvind Ranadive

A system and/or method may be provided to authenticate a user. An example method of authenticating a user includes receiving, by a merchant application, a user request to complete a transaction using a payment service provider. The method also includes in response to receiving the user request to complete the transaction, retrieving, by the merchant application, a browser cookie stored on a user device and associated with one or more user interactions with a browser included in the user device and the payment service provider. The method further includes in response to receiving the user request to complete the transaction, launching, by the merchant application, an instance of the browser that reads the browser cookie and authenticates the user based on the browser cookie.

User authentication using a browser cookie shared between a browser and an application

Methods and systems for facilitating the purchase of an item on a social networking website are described. Merchants can embed payments in buttons displayed on social networking websites to enable payments at the point of discovery, such as on Pinterest® or Facebook®. As the items associated with the buttons are shared further, the embedded payment capability follows the shared items. For example, a Pinterest® pin has the payment capability embedded within it so as the pin gets re-pinned in the Pinterest® platform, shared on blogs, shared on platforms like Facebook®, or surfaces on Google® Search, the payment capability is also available on those platforms. In some instances, open standards such as oEmbed or Open Graph are used to create the buttons with the payment capability and make creation of the buttons simpler for merchants.

Social media buttons with payment capability

A method for accessing communication in chat sessions for cart generation is discussed. The method includes accessing, via a chat bot, a chat text in a chat session by a chat application instance to another chat application instance. The method includes determining intent for purchasing a product from a merchant based on an analysis of the chat text. In response to determining the intent, the method determines a locator for an online store of the merchant from the chat text. The method includes accessing, using the locator, the online store to determine product features of the product. Based on the product features and the chat text, a cart is generated for an order of the product for the online store. The method provides, via the chat bot, an indication of the cart to the chat session to obtain, from the first chat application instance, authorization to order the cart.

Accessing chat sessions via chat bots for cart generation

Systems and methods for providing purchase recommendations include determining a shopping list including a plurality of items associated with a customer. The financial information that is associated with the customer is retrieved from a non-transitory memory. At least one selected item from the shopping list is determined based on the financial information. A purchase recommendation including the at least one selected item is generated. The purchase recommendation is provided for display on at least one customer device.

Purchase recommendation system

Methods, systems, and computer program products for secure cardless cash withdrawal are disclosed. For example, a computer-implemented method may include detecting presence of a user device at an automated teller machine (ATM) by one or more sensors, requesting an authorization indicator for a cash request in response to the detecting, receiving the authorization indicator associated with the cash request at the ATM where presentation of the authorization indicator at any one of a plurality of ATMs would authorize the cash request, and distributing funds associated with the cash request in response to receiving the authorization indicator.

Secure cardless cash withdrawal

Methods and systems for facilitating the purchase of an item on a social networking website are described. Merchants can embed payments in buttons displayed on social networking websites to enable payments at the point of discovery, such as on Pinterest&#xae; or Facebook&#xae;. As the items associated with the buttons are shared further, the embedded payment capability follows the shared items. For example, a Pinterest&#xae; pin has the payment capability embedded within it so as the pin gets re-pinned in the Pinterest&#xae; platform, shared on blogs, shared on platforms like Facebook&#xae;, or surfaces on Google&#xae; Search, the payment capability is also available on those platforms. In some instances, open standards such as oEmbed or Open Graph are used to create the buttons with the payment capability and make creation of the buttons simpler for merchants.

Methods, systems, and computer program products for secure cardless cash withdrawal are provided. A computer-implemented method may include identifying one or more cash machines near a computing device of a user, receiving a cash request from the computing device, generating a one-time authorization code on a secure server for the cash request when the computing device is detected by a sensor of a selected cash machine, providing the one-time authorization code to the computing device for display to the user when the computing device is detected within a distance allowing the user to operate the cash machine, validating a user-provided code received from the selected cash machine in view of the one-time authorization code, instructing the selected cash machine to distribute the requested cash when the user-provided code is validated, and invalidating the one-time authorization code when the cash request is completed.

Growing community of inventors

San Jose, CA, United States of America

Teddy Vincent Toms