The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Oct. 18, 2022
Filed:
Oct. 09, 2020
Paypal, Inc., San Jose, CA (US);
Nilotpal Paul, Bangalore, IN;
PAYPAL, INC., San Jose, CA (US);
Abstract
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.