公开(公告)号：US20230334453A1

公开(公告)日：2023-10-19

申请号：US17723126

申请日：2022-04-18

Applicant: STRIPE, INC.

Inventor： Rishabh Jain ,  Nicholas Meyer ,  Houssam Fathallah ,  Evan Sandler ,  Jermiah Clemenson ,  Justin Foote ,  Robert Ying

IPC: G06Q20/12 ,  G06Q40/00 ,  G06Q20/40

CPC classification number: G06Q20/1235 ,  G06Q40/12 ,  G06Q20/405 ,  G06Q20/4037

Abstract: Methods and apparatuses for performing money movement transactions with a policy orchestrator are disclosed. In some embodiments, the method includes: for each transaction of a plurality of transactions in a commerce platform, where said each transaction specifies a money movement to be made by a payment processor of a commerce platform, receiving a request for a license to make the money movement, evaluating whether the money movement associated with said each transaction is a legal money movement, and issuing the license for said each transaction in response to determining the money movement associated with the transaction is a legal money movement. The method also includes subsequently receiving said each transaction when its associated money movement is to be committed, checking whether a valid license exists for said each transaction, and sending said each transaction to the book keeping system of the commerce platform if said each transaction has a valid license.

公开(公告)号：US20230334500A1

公开(公告)日：2023-10-19

申请号：US17882471

申请日：2022-08-05

Applicant: STRIPE, INC.

Inventor： Rishabh Jain ,  Arnav Kumar ,  Ryan McAfee ,  Siva Vasanth

IPC: G06Q20/40 ,  G06Q20/38

CPC classification number: G06Q20/405 ,  G06Q20/389

Abstract: Methods and apparatuses are disclosed for performing money movement transactions with a reserved amount retained from a payout. In some embodiments, the method comprises intercepting a plurality of transactions received via network communications, where each transaction of the plurality of transactions specifying a money movement and having a book keeping system of a commerce platform as a destination. The method also includes, for each intercepted transaction, performing a policy evaluation process that includes determining if a fund flow transformation rule applies to each intercepted transaction based on attributes associated with each intercepted transaction and modifying at least one intercepted transaction by changing the money movement according to the fund flow transformation rule into a plurality of money movements with specified balances to complete each money movement of the plurality of money movements, with one money movement to reserve a portion of a transaction amount.

公开(公告)号：US20230334483A1

公开(公告)日：2023-10-19

申请号：US17723190

申请日：2022-04-18

Applicant: STRIPE, INC.

Inventor： Rishabh Jain ,  Robert Ying ,  Jeremiah Clemenson

IPC: G06Q20/38 ,  G06Q40/00 ,  G06Q20/12

CPC classification number: G06Q20/389 ,  G06Q40/12 ,  G06Q20/12

Abstract: Methods and apparatuses for processing transactions involving money movements using a policy engine are disclosed. In some embodiments, the method is a method comprises: intercepting a plurality of transactions received via network communications, each transaction of the plurality of transactions specifying a money movement and having a book keeping system of a commerce platform as a destination; and for each intercepted transaction, performing a policy evaluation process that includes determining if a fund flow transformation rule applies to said each intercepted transaction based on attributes associated with said each intercepted transaction, modifying at least one intercepted transaction by changing the money movement according to the fund flow transformation rule in response to determining a fund flow transformation rule applies to the at least one intercepted transaction, and sending said each intercepted transaction, including the at least one intercepted transaction with a modified money movement, to the book keeping system of a commerce platform.