PayPal Machine Learning Client Device Execution Patent EP4363973A1
Summary
The European Patent Office published patent application EP4363973A1 for PayPal, Inc., titled 'Execution of Machine Learning Models at Client Devices.' The patent covers methods for executing ML models on client devices in financial transaction processing systems, with claims relating to distributed computing architectures and data privacy controls in payment systems. The application was filed with designations covering 31 European states.
What changed
EPO published patent application EP4363973A1 for PayPal covering execution of machine learning models at client devices in payment processing systems. The patent includes claims related to G06F 9/50 (resource allocation), G06F 21/62 (data privacy), H04L 9/32 (security), and G06Q 20/40 (financial transaction processing). The application designates 31 European member states for patent protection.
Technology companies and fintech developers engaged in machine learning deployment or payment system development should monitor this IP landscape. While patent grants do not create immediate compliance obligations, competitors developing similar ML-on-edge architectures for financial services may need to design around these claims or seek licensing arrangements with PayPal.
Archived snapshot
Apr 19, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
EXECUTION OF MACHINE LEARNING MODELS AT CLIENT DEVICES
Publication EP4363973A1 Kind: A1 Apr 08, 2026
Applicants
PayPal, Inc.
Inventors
ML, Nishanth, CG, Chandan
IPC Classifications
G06F 9/50 20060101AFI20250408BHEP G06F 21/62 20130101ALI20250408BHEP H04L 9/32 20060101ALI20250408BHEP G06Q 20/40 20120101ALI20250408BHEP
Designated States
AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LI, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR
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