IP Library › Granted Patent US 11,644,958
Granted Patent B2
US 11,644,958 · App. 17/075,658 · Granted May 9, 2023

Trust score investigation

Inventors: Alex Grigoryan (San Jose, CA); Avinash Gangadharan (Fremont, CA); Akshay Peshave (Baltimore, MD); Michael Morgan (Fremont, CA); Rhys Howell (Church, VA)
Assignee: PAYPAL, INC.
G06F3/04842G06Q40/025H04L63/105G06Q20/4016
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Quick Facts
Patent No.
US 11,644,958
App. No.
17/075,658
Granted
May 9, 2023
Kind
B2
Abstract

A system and method for investigating trust scores. A trust score is calculated based on peer transfers, a graphical user interface displays actuatable elements associated with a first peer transfer from the peer transfers, in response to receiving an indication the first actuatable element has been actuated, recalculating the trust score without the first peer transfer.

Claims (49)

1. A system for trust score investigation, comprising:

a non-transitory memory storing instructions; and

one or more hardware processors coupled to the non-transitory memory and configured to read the instructions from the non-transitory memory to cause the system to perform operations comprising:

receiving a peer transfer request from an entity, wherein the peer transfer request includes a transfer amount and a payback timeline;

calculating a trust score based at least in part on the transfer amount received and historical peer transfers with the entity;

determining one or more parameters associated with the peer transfer request based on the calculating of the trust score;

causing a graphical user interface (GUI) to display a first actuatable element associated with the peer transfer request including the determined one or more parameters;

receiving an indication that the first actuatable element has been actuated through the GUI; and

in response to receiving the indication that the first actuatable element has been actuated through the GUI, recalculating the trust score.

2. The system of claim 1 , wherein the one or more parameters includes at least one of an updated transfer amount or and interest rate.

3. The system of claim 1 , wherein the operations further comprise:

retrieving historical peer transfers associated with entity; and

removing one or more historical peer transfers based on a temporal relationship, wherein the historical peer transfers with the removed one or more historical peer transfers are used in the calculating of the trust score.

4. The system of claim 1 , wherein the trust score is updated based in part on a user and transaction history of the user with the entity.

5. The system of claim 4 , wherein the operations further comprise:

generating a transaction map associated with the user, wherein the transaction map is generated using the transaction history of the user.

6. The system of claim 5 , wherein the recalculating the trust score includes updating the transaction map.

7. The system of claim 6 , wherein the updating the transaction map includes deleting or updating one or more transactions associated with the first actuatable element.

8. A method comprising:

receiving a peer transfer request from an entity, wherein the peer transfer request includes a transfer amount and a payback timeline;

calculating a trust score based at least in part on the transfer amount received and historical peer transfers with the entity;

determining one or more parameters associated with the peer transfer request based on the calculating of the trust score;

causing a graphical user interface (GUI) to display a first actuatable element associated with the peer transfer request including the determined one or more parameters;

receiving an indication that the first actuatable element has been actuated through the GUI; and

in response to receiving the indication that the first actuatable element has been actuated through the GUI, recalculating the trust score.

9. The method of claim 8 , wherein the one or more parameters includes at least one of an updated transfer amount or an interest rate.

10. The method of claim 8 , further comprising:

retrieving historical peer transfers associated with entity; and

removing one or more historical peer transfers based on a temporal relationship, wherein the historical peer transfers with the removed one or more historical peer transfers are used in the calculating of the trust score.

11. The method of claim 8 , wherein the trust score is updated based in part on a user and transaction history of the user with the entity.

12. The method of claim 11 , further comprising:

generating a transaction map associated with the user, wherein the transaction map is generated using the transaction history of the user.

13. The method of claim 12 , wherein the recalculating the trust score includes updating the transaction map.

14. The method of claim 13 , wherein the updating the transaction map includes deleting or updating one or more transactions associated with the first actuatable element.

15. A non-transitory machine readable medium having stored thereon machine readable instructions executable to cause a machine to perform operations comprising:

receiving a peer transfer request from an entity, wherein the peer transfer request includes a transfer amount and a payback timeline;

calculating a trust score based at least in part on the transfer amount received and historical peer transfers with the entity;

determining one or more parameters associated with the peer transfer request based on the calculating of the trust score;

causing a graphical user interface (GUI) to display a first actuatable element associated with the peer transfer request including the determined one or more parameters;

receiving an indication that the first actuatable element has been actuated through the GUI; and

in response to receiving the indication that the first actuatable element has been actuated through the GUI, recalculating the trust score.

16. The non-transitory machine readable medium of claim 15 , wherein the one or more parameters includes at least one of an updated transfer amount or an interest rate.

17. The non-transitory machine readable medium of claim 15 , wherein the operations further comprise:

retrieving historical peer transfers associated with the entity; and

removing one or more historical peer transfers based on a temporal relationship, wherein the historical peer transfers with the removed one or more historical peer transfers are used in the calculating of the trust score.

18. The non-transitory machine readable medium of claim 15 , wherein the trust score is updated based in part on a user and transaction history of the user with the entity.

19. The non-transitory machine readable medium of claim 18 , wherein the operations further comprise:

generating a transaction map associated with the user, wherein the transaction map is generated using the transaction history of the user.

20. The non-transitory machine readable medium of claim 19 , wherein the recalculating the trust score includes updating the transaction map.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Oct 20, 2020
From: GRIGORYAN, ALEX; GANGADHARAN, AVINASH; PESHAVE, ASHKAY; MORGAN, MICHAEL; HOWELL, RHYS
To: PAYPAL, INC.
Reel/Frame 054117/0047 →
Continuity (3)
Continuation 16267111 · Feb 4, 2019
Continuation 14985369 · Dec 30, 2015
Related Publication 20210034224A1 · Feb 4, 2021