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公开(公告)号：US12210596B2
公开(公告)日：2025-01-28
申请号：US18374997
申请日：2023-09-29
Applicant: Stripe, Inc.
Inventor： Hwai Sian Tsai , Chi Wah Lo
Abstract: Methods and systems for installing and running an application for a terminal are described. The method may include uploading an application to an application store. The method may also include downloading, by a terminal, the application from the application store, wherein the terminal is connected to the application store by a network. Furthermore, the method may include authorizing, by a terminal management server (TMS) coupled to the terminal and the application store via the network, the terminal to install and run the downloaded application.
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2.发明公开公开(公告)号：US20240338698A1
公开(公告)日：2024-10-10
申请号：US18578637
申请日：2022-07-15
Applicant: Stripe, Inc.
Inventor： Hwai Sian Tsai , Chi Wah Lo
IPC: G06Q20/40
CPC classification number: G06Q20/4012 , G06Q20/4015
Abstract: A system for conducting a card transaction comprises an consumer application running on a user device, a card reading interface separate from the user device, a payment application residing on a COTS device, a PIN verification subsystem, an EPB creation subsystem located at an EPB creation location, and a server. The user device receives an entered PIN. The card reading interface receives a PAN from a payment card. Either the PIN or a first set of signals comprising the PIN is received by the EPB creation subsystem. The second set of signals comprising the PAN is generated and transmitted by the payment application via the network. An EPB is created by the EPB creation subsystem based on the PIN and PAN, and the EPB is transmitted by the EPB creation subsystem to either the PIN verification subsystem or the payment card for PIN verification.
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公开(公告)号：US12039519B2
公开(公告)日：2024-07-16
申请号：US18197620
申请日：2023-05-15
Applicant: STRIPE, INC.
Inventor： Hwai Sian Tsai , Chi Wah Lo
CPC classification number: G06Q20/353 , G06Q20/3829 , G06Q20/4012
Abstract: A system to indicate to a user to enter a personal identification number (PIN) on a commercial off the shelf (COTS) device, the system comprising: a secure card reader communicatively coupled to the COTS device, and wherein the secure card reader receives a payment card; a payment application installed on the COTS device; and one or more devices other than the COTS device. The payment application installed on the COTS device transmits one or more prompts to the one or more devices other than the COTS device based on a set of signals received from the secure card reader. The secure card reader transmits the set of signals after the payment card is received at the secure card reader, and the one or more prompts comprise at least one indication to the user to enter the PIN on a display of the COTS device.
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公开(公告)号：US11663584B2
公开(公告)日：2023-05-30
申请号：US17368934
申请日：2021-07-07
Applicant: Stripe, Inc.
Inventor： Hwai Sian Tsai , Chi Wah Lo
CPC classification number: G06Q20/353 , G06Q20/3829 , G06Q20/4012
Abstract: A system to indicate to a user to enter a personal identification number (PIN) on a commercial off the shelf (COTS) device, the system comprising: a secure card reader communicatively coupled to the COTS device, and wherein the secure card reader receives a payment card; a payment application installed on the COTS device; and one or more devices other than the COTS device. The payment application installed on the COTS device transmits one or more prompts to the one or more devices other than the COTS device based on a set of signals received from the secure card reader. The secure card reader transmits the set of signals after the payment card is received at the secure card reader, and the one or more prompts comprise at least one indication to the user to enter the PIN on a display of the COTS device.
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公开(公告)号：US20240330897A1
公开(公告)日：2024-10-03
申请号：US18735539
申请日：2024-06-06
Applicant: STRIPE, INC.
Inventor： Hwai Sian Tsai , Chi Wah Lo
CPC classification number: G06Q20/353 , G06Q20/3829 , G06Q20/4012
Abstract: A system to indicate to a user to enter a personal identification number (PIN) on a commercial off the shelf (COTS) device, the system comprising: a secure card reader communicatively coupled to the COTS device, and wherein the secure card reader receives a payment card; a payment application installed on the COTS device; and one or more devices other than the COTS device. The payment application installed on the COTS device transmits one or more prompts to the one or more devices other than the COTS device based on a set of signals received from the secure card reader. The secure card reader transmits the set of signals after the payment card is received at the secure card reader, and the one or more prompts comprise at least one indication to the user to enter the PIN on a display of the COTS device.
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Patent Agency Ranking
公开(公告)号：US12008428B2
公开(公告)日：2024-06-11
申请号：US18202522
申请日：2023-05-26
Applicant: Stripe, Inc.
Inventor： Hwai Sian Tsai , Chi Wah Lo
IPC: G06K7/10
CPC classification number: G06K7/10297 , G06K7/10316
Abstract: A reader device for attachment to a smart device comprising a display, the reader comprising an antenna, processing and reading circuitry, and a communications module, wherein the antenna, the processing and reading circuitry, the processor and the communications module are coupled to each other, and whereby the antenna encloses said display. When a card is tapped on the display, the antenna receives a signal and transmits the signal to the processing and reading circuitry. The processing and reading circuitry processes the signal to produce data, and the produced data is transmitted to a device external to the reader device by the communications module.
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7.发明公开公开(公告)号：US20230351385A1
公开(公告)日：2023-11-02
申请号：US18219541
申请日：2023-07-07
Applicant: Stripe, Inc
Inventor： Chi Wah Lo , Hwai Sian Tsai , Namson Kwok
CPC classification number: G06Q20/4012 , H04L63/083 , G07F7/1016 , G06Q20/3226 , G07F7/1041 , H04W12/02 , H04L63/0853 , G06Q20/3223 , H04W12/069 , G06Q20/206
Abstract: A system for accepting the input of a PIN comprises a first device receiving a randomized PIN layout derived on a fourth device. The randomized PIN layout is displayed on a display of the first device. A second device comprises an input for accepting a series of key presses to produce a PIN token. The PIN token indicating each of the series of key presses. A third device is in communication with the second device. The third device derives the randomized PIN layout and receives the PIN token from the second device without the PIN token being present on the first device. The third device combines the PIN layout and the PIN token to produce a PIN. The PIN is used to authenticate a transaction. The fourth and third devices each store a shared secret used to independently derive the randomized PIN layout on the fourth and third devices.
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公开(公告)号：US11804711B2
公开(公告)日：2023-10-31
申请号：US17567947
申请日：2022-01-04
Applicant: Stripe, Inc.
Inventor： Wing Cheong Chan , Hwai Sian Tsai , Chi Wah Lo
CPC classification number: H02J1/102 , G07F7/0873 , H02J7/0068
Abstract: A power management circuitry for a peripheral electronic device includes a power regeneration circuitry, a power selector, a power switch and an audio signal detection circuitry. The power regeneration circuitry receives a continuous periodic sound wave from an audio device and converts the continuous periodic sound wave into an amplified DC electrical signal. The power source selector receives the amplified DC electrical signal and input from a primary power source and provides a power signal output. The audio signal detection circuitry receives the amplified DC electrical signal and transmits a wake-up signal to the power switch circuitry. The power switch circuitry is turned on by the wake-up signal and connects the power source selector to the peripheral electronic device main circuitry and transfers the power signal output to the peripheral electronic device main circuitry.
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公开(公告)号：US11595799B2
公开(公告)日：2023-02-28
申请号：US17090268
申请日：2020-11-05
Applicant: Stripe, Inc.
Inventor： Chi Wah Lo
IPC: H04W4/80 , H04W12/06 , H04W12/50 , H04B7/26 , H04W12/04 , G06F1/3234 , H04L9/40 , H04W52/02 , H04W8/00 , H04W84/18 , H04W12/65
Abstract: A mobile device includes a Bluetooth transceiver, the Bluetooth transceiver being in an idle power state when not securely paired to a second Bluetooth transceiver of a peripheral device. The mobile device further includes an audio interface, the audio interface coupled to the Bluetooth transceiver, the audio interface configured to connect to a second audio interface of the peripheral device. The mobile device is configured to establish an out-of-band audio communication channel to the peripheral device by connecting the audio interface to the second audio interface, the mobile device configured to exchange Bluetooth authentication data with the peripheral device via the out-of-band audio communication channel in response to transitioning to an operating state, the mobile device configured to initialize the Bluetooth transceiver with the Bluetooth authentication data to establish an authenticated and cryptographically protected in-band Bluetooth communication channel allowing the mobile device to be securely paired with the peripheral device.
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公开(公告)号：US12169841B2
公开(公告)日：2024-12-17
申请号：US17339058
申请日：2021-06-04
Applicant: Stripe, Inc.
Inventor： Hwai Sian Tsai , Chi Wah Lo
Abstract: A contactless card reader comprises a contactless card reader front-end coupled to a processor. A communications module is coupled to the processor and a set of sensors is coupled to the processor. The set of sensors determines parameters related to the location, orientation and motion of the card reader. The processor receives the parameters from the set of sensors and utilizes the parameters and scenario configuration data to evaluate a rule. The result of the evaluation of the rule results in a limitation on the operation of the card reader. The communications module is configured to intermittently receive the scenario configuration data from external sources.
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