公开(公告)号：US20240177159A1

公开(公告)日：2024-05-30

申请号：US18070776

申请日：2022-11-29

Applicant: Stripe, Inc.

Inventor： Yiran SHENG ,  Omer Zach ,  Alexander Joseph McLeod

IPC: G06Q20/40 ,  G06Q20/10

CPC classification number: G06Q20/4015 ,  G06Q20/102

Abstract: In an example embodiment, a system is provided that allows for multiple service partners to be accessible simultaneously via a single API. The system ensures that requests to collect payment information are sent only to a service partner that is active and operating, ensuring that a request to collect payment information that would normally have been sent to a service partner that is down or otherwise unavailable will be rerouted to an alternative service partner. Furthermore, the system also allows for a dynamic selection of a service partner to utilize among multiple service providers, based on factors such as how well the service provider's system integrates with the underlying institution from which the payment will be made, and the estimated speed of the processing of the transaction by the service provider. This latter aspect can be technically challenging because the same institution may be known by multiple different names on the different service providers.