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公开(公告)号:US20240152923A1
公开(公告)日:2024-05-09
申请号:US17979985
申请日:2022-11-03
Applicant: Stripe, Inc.
Inventor: Emmanuel Ameisen
IPC: G06Q20/40
CPC classification number: G06Q20/4016
Abstract: Various embodiments described herein support or provide for data management operations, such as identifying an uncalibrated fraud score that corresponds to a set of transactions; using a machine learning model to generate a calibrated fraud score based on the uncalibrated fraud score; determining a calibrated fraud score distribution associated with the calibrated fraud score; identifying an uncalibrated fraud score distribution associated with the uncalibrated fraud score; using a score scaling function to generate a mapping between the calibrated fraud score distribution and the uncalibrated fraud score distribution; and generating a scaled calibrated fraud score based on the mapping.
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公开(公告)号:US20240152394A1
公开(公告)日:2024-05-09
申请号:US17983943
申请日:2022-11-09
Applicant: Stripe, Inc.
Inventor: Jack DeLoach , Mark Fielbig , Nicole DeBickes , Vinay Padma , Rustem Muslimov , Atul Bhatia , Shanshan Chen , Michael Shafrir , Nate Barnett
CPC classification number: G06F9/5027 , H04L9/3247
Abstract: The present disclosure is directed to deployment of applications to mobile devices such as, for example, payment terminals. In some embodiments, a method includes uploading a mobile application that is for execution on a group of mobile devices; preparing the mobile application for deployment; receiving a first request with a deploy plan that specifies parameters and a subset of mobile devices for deploying the mobile application; and deploying the mobile application to the subset of mobile devices according to the deploy plan.
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公开(公告)号:US20240147204A1
公开(公告)日:2024-05-02
申请号:US17975421
申请日:2022-10-27
Applicant: Stripe, Inc.
Inventor: Ross Taylor Favero , Margaret Anne White , Kelly Moriarty
IPC: H04W4/80 , G06F3/0481 , G06F3/14 , G06Q20/32 , H04W4/029
CPC classification number: H04W4/80 , G06F3/0481 , G06F3/14 , G06Q20/3278 , H04W4/029
Abstract: The present disclosure describes identifying a type of mobile device, determining a location of a near-field communication (NFC) device (e.g., NFC reader) within a mobile device (e.g., a mobile phone) based on its type, creating a user interface displayed on the mobile device with a visual indication of a tap zone for the NFC device based on its location within the mobile device, and then displaying the user interface on a display screen.
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公开(公告)号:US20240119499A1
公开(公告)日:2024-04-11
申请号:US18541862
申请日:2023-12-15
Applicant: Stripe, Inc.
Inventor: Joseph Patrick Kirwin
IPC: G06Q30/0601
CPC classification number: G06Q30/0609 , G06Q2220/00
Abstract: A method and apparatus for a commerce platform providing proof of application ownership of a network distributable application are described. The method may include receiving a request to approve an application developed by a merchant system, wherein the application includes an application programming interface (API) component, a software development kit (SDK) component, or a combination thereof provided by the commerce platform to the merchant system. The method may also include generating a unique identifier (ID) for the application to be included as metadata within the application. Furthermore, the method may include obtaining, from an application information system, data describing the application, and extracting an ID from metadata in the data obtained by the application information system. Then, the method may include that in response to determining that the ID extracted from the metadata matches the unique ID, associating the merchant with the application in a merchant account at the commerce platform and approving the application for interacting with the commerce platform.
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公开(公告)号:US20240112192A1
公开(公告)日:2024-04-04
申请号:US17959198
申请日:2022-10-03
Applicant: Stripe, Inc.
Inventor: Sahar Mor, JR. , Abhishek Kulgod , Ryan Drapeau
CPC classification number: G06Q20/4016 , G06Q20/34
Abstract: A method and apparatus for authenticating a transaction are described. The method may include: receiving, at an authentication device, an electronic transaction request as part of authenticating a card-originated transaction between a merchant and a consumer; determining, based on characteristics of the electronic transaction request, a risk value associated with the electronic transaction request; selecting a first identification value or a second identification value based on a comparison of the risk value to a risk threshold, wherein the first identification value indicates that the risk value exceeds the risk threshold and the second identification value indicates that the risk value does not exceed the risk threshold; generating a communication to transmit to an authorization device, the communication comprising a first data field having the selected first identification value or the selected second identification value; and transmitting the communication to the authorization device.
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公开(公告)号:US20240070484A1
公开(公告)日:2024-02-29
申请号:US17900376
申请日:2022-08-31
Applicant: Stripe, Inc.
Inventor: Ketan SINGH , Peter Lofgren , Ryan Lee Drapeau , Abhishek Jha , Anthony Pianta
IPC: G06N5/02
CPC classification number: G06N5/022
Abstract: In an example embodiment, a machine learning training pipeline is introduced that continuously monitors and processes training data having multiple transaction types using a sliding window, adding labels as they are available for the various different types of transactions in the training data. The processed training data, with the appropriate labels added, can then be utilized by any machine learning model that is being onboarded using the pipeline, without any specialized setup being necessary. Further, even if new data is added to the pipeline to aid in the training of a new model (such as data regarding a new payment type), this new data can be processed quickly and added to the existing data without requiring specialized processes by the entity requesting the new machine learning model. This allows the actual training of the new machine learning model to be accomplished very quickly, and deployment to be accomplished even faster.
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公开(公告)号:US11915247B2
公开(公告)日:2024-02-27
申请号:US17888297
申请日:2022-08-15
Applicant: Stripe, Inc.
Inventor: Tara Seshan , Adam Eagle
CPC classification number: G06Q20/425 , G06F11/1405 , G06N20/00
Abstract: In an example embodiment, information about one or more failed payment attempts via an electronic payment processing system is obtained. One or more features are extracted from the information. Then, for each of a plurality of potential candidate retry time points, the one or more features and the potential candidate retry time point are fed into a dunning model, the dunning model trained via a machine-learning algorithm to produce a dunning score indicative of a likelihood that a retry attempt at an input retry time point will result in a successful payment processing. The dunning scores for the plurality of potential candidate retry time points are used to select a desired retry time point. Then the electronic payment processing system is caused to attempt to reprocess a payment associated with one of the failed payment attempts at a time matching the desired retry time point.
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公开(公告)号:US11914732B2
公开(公告)日:2024-02-27
申请号:US17123694
申请日:2020-12-16
Applicant: Stripe, Inc.
Inventor: Ryan Drapeau , Andrew Bullen
CPC classification number: G06F21/6218 , G06F21/31 , G06F21/54 , G06F21/64 , G06F2221/2141
Abstract: A method and apparatus for hard deletion of user data are described. The method may include receiving a request from a user computer system to delete user data. The method may also include determining a unique user identifier associated by a system with a user making the request. The method may also include determining whether a data partition, in which data generated by a job or subsystem of the computer system is stored, is predicted to contain a record having the unique user identifier. Then, the method may include searching, when the data partition is predicted to contain a record having the unique user identifier, data records stored in the data partition for a user data record based on the unique identifier, and performing a hard deletion of the user data record from the partition when found during the searching.
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公开(公告)号:US20240061953A1
公开(公告)日:2024-02-22
申请号:US17892632
申请日:2022-08-22
Applicant: Stripe, Inc.
Inventor: Erik Barbara , Marc Doan
IPC: G06F21/62
CPC classification number: G06F21/6245 , G06F21/6227
Abstract: A method and apparatus for a distributed service provider augmenting user data during data access and deletion is described. The method may include monitoring a plurality of user data returned by service system responses to requests for user data associated with a user identifier. The method may further include building an additional user data search query using a subset of user data from the monitored plurality of user data returned by the service system responses to the initial requests for user data. Furthermore, the method can include executing the additional user data search query at each of the plurality of service systems to identify additional user data stored by one or more of the plurality of service systems, wherein the identified additional data is not associated with the user identifier.
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公开(公告)号:US20240061916A1
公开(公告)日:2024-02-22
申请号:US17892801
申请日:2022-08-22
Applicant: Stripe, Inc.
Inventor: Erik Barbara , Marc Doan , Lara Mossler , David Sargent
CPC classification number: G06F21/32 , G06F21/6245
Abstract: A method and apparatus for a distributed service provider system performing authentication for access to, and deletion of, user data, is described. The method may include monitoring service system responses to requests for user data associated with a user identifier. The method may further include ordering the monitored user data based on one or more of a sensitivity level and a veracity level associated with each of the monitored user data, and filtering out user data from the monitored user data that is not suitable for presenting to the user for identity verification. Furthermore, the method can include selecting a subset of the filtered user data for a series of identity verification questions for generating and transmitting, to the user system, a series of security verification questions, each security verification question based on one of the selected subset of the filtered user data.
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