公开(公告)号：US11704673B1

公开(公告)日：2023-07-18

申请号：US16915477

申请日：2020-06-29

Applicant: Stripe, Inc.

Inventor： Ryan Drapeau ,  Feiyi Ouyang ,  Tianshi Zhu ,  David Abrahams ,  Joshua Rosen

IPC: G06N20/00 ,  G06Q20/40 ,  G06Q30/018 ,  H04L67/146 ,  G06Q50/26 ,  G06Q20/34

CPC classification number: G06Q20/4016 ,  G06N20/00 ,  G06Q20/4014 ,  G06Q30/0185 ,  G06Q20/34 ,  G06Q20/4012 ,  G06Q50/265 ,  H04L67/146

Abstract: A method and apparatus for fraud detection during transactions using identity graphs are described. The method may include receiving, at a commerce platform system, a transaction from a user having initial transaction attributes and transaction data. The method may also include determining, by the commerce platform system, an identity associated with the user, wherein the identity is associated with additional transaction attributes not received with the transaction. Furthermore, the method may include accessing, by the commerce platform system, a feature set associated with the initial transaction attributes and the additional transaction attributes, wherein the feature set comprises machine learning (ML) model features for detecting transaction fraud. The method may also include performing, by the commerce platform system, a machine learning model analysis using the feature set and the transaction data to determine a likelihood that the transaction is fraudulent, and performing, by the commerce platforms system, the transaction when the likelihood that the transaction is fraudulent does not satisfy a transaction fraud threshold.

公开(公告)号：US20230298031A1

公开(公告)日：2023-09-21

申请号：US18202516

申请日：2023-05-26

Applicant: STRIPE, INC.

Inventor： Ryan Drapeau ,  Feiyi Ouyang ,  Tianshi Zhu ,  David Abrahams ,  Joshua Rosen

IPC: G06Q20/40 ,  G06Q30/018 ,  G06N20/00

CPC classification number: G06Q20/4016 ,  G06Q30/0185 ,  G06Q20/4014 ,  G06N20/00 ,  H04L67/146

Abstract: A method and apparatus for fraud detection during transactions using identity graphs are described. A method includes receiving, at a commerce platform system, a transaction from a user having initial transaction attributes and transaction data. The method also includes determining, by the commerce platform system, an identity associated with the user associated with additional transaction attributes not received with the transaction. Furthermore, the method includes accessing a feature set associated with the initial transaction attributes and the additional transaction attributes that includes machine learning (ML) model features for detecting transaction fraud. The method also includes performing, by the commerce platform system, a machine learning model analysis using the feature set and the transaction data to determine a likelihood that the transaction is fraudulent, and performing, by the commerce platforms system, the transaction when the likelihood that the transaction is fraudulent does not satisfy a transaction fraud threshold.

公开(公告)号：US12205119B2

公开(公告)日：2025-01-21

申请号：US17383107

申请日：2021-07-22

Applicant: Stripe, Inc.

Inventor： Ryan Drapeau ,  Feiyi Ouyang ,  Mathieu Hofman

IPC: G06Q20/40 ,  G06F16/955 ,  G06N20/00 ,  G06Q20/38

Abstract: A method and apparatus for performing privacy preserving fraud detection in network based transactions are described. The method may include receiving a fraud detection message during a transaction between a user system and a merchant system, the message having a set of cryptographically transformed universal resource locator (URL) components generated from a URL of a web page of the merchant system on which the transaction is to occur. The method may also include generating one or more secure and anonymous fraud detection features, each fraud detection feature comprising a select subset of the cryptographically transformed URL components. The method may also include performing fraud detection for the web page using the one or more secure and anonymous fraud detection features to determine a likelihood that fraud is occurring in the transaction.

公开(公告)号：US20230026121A1

公开(公告)日：2023-01-26

申请号：US17383107

申请日：2021-07-22

Applicant: Stripe, Inc.

Inventor： Ryan Drapeau ,  Feiyi Ouyang ,  Mathieu Hofman

IPC: G06Q20/40 ,  G06F16/955 ,  G06Q20/38 ,  G06N20/00

Abstract: A method and apparatus for performing privacy preserving fraud detection in network based transactions are described. The method may include receiving a fraud detection message during a transaction between a user system and a merchant system, the message having a set of cryptographically transformed universal resource locator (URL) components generated from a URL of a web page of the merchant system on which the transaction is to occur. The method may also include generating one or more secure and anonymous fraud detection features, each fraud detection feature comprising a select subset of the cryptographically transformed URL components. The method may also include performing fraud detection for the web page using the one or more secure and anonymous fraud detection features to determine a likelihood that fraud is occurring in the transaction.