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:
Jul. 14, 2026
Filed:
Nov. 11, 2024
Paypal, Inc., San Jose, CA (US);
Logasundari Vinayagam, Fremont, CA (US);
Aniket Vilas Jadhav, San Jose, CA (US);
Rahul Nimje, San Jose, CA (US);
Arie Benhamou, Tel Aviv, IL;
Nagavenkatasyamsundar Ambadipudi, Milpitas, CA (US);
Eitan Torf, Tel Aviv, IL;
Gayathri Baskaran, Santa Clara, CA (US);
Phanishankar Pandravada, Santa Clara, CA (US);
PAYPAL, INC., San Jose, CA (US);
Abstract
A method includes receiving a payment request that indicates a card identifier corresponding to a payment instrument to be used for payment. The method further includes determining that the card identifiers fails to satisfy at least one card activity criteria. Additionally, method includes subsequent to determining that no failed authorization attempts were performed for the card identifier within a previous time period, retrieving, from a database, a decline probability score associated with the card identifier. The method also includes based on the decline probability score, determining whether to transmit an authorization request for the card identifier prior to processing the payment request.
Data source: USPTO (United States Patent and Trademark Office) public patent records. Weekly synchronization. How IDiyas builds this profile