SYSTEMS AND METHODS FOR TRAIT-BASED TRANSACTION PROCESSING

    公开(公告)号:US20240177163A1

    公开(公告)日:2024-05-30

    申请号:US18072294

    申请日:2022-11-30

    Applicant: Stripe, Inc.

    CPC classification number: G06Q20/4016 G06Q30/06

    Abstract: A method and apparatus for processing a transaction request associated with a merchant platform system may include: receiving, at a commerce platform system, the transaction request; determining a plurality of account traits associated with the merchant platform system; detecting a first account trait from the plurality of account traits associated with the merchant platform system; in response to determining that the first account trait of the plurality of account traits comprises a first value, processing the transaction request to generate an approval status for the transaction request based on a risk value determined by the commerce platform system with respect to the transaction request; and in response to determining that the first account trait of the plurality of account traits comprises a second value, deferring a determination of the risk value for the transaction request to the merchant platform system.

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