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    DATA MANAGEMENT USING SCORE CALIBRATION AND SCALING FUNCTIONS
    91.
    发明公开
    DATA MANAGEMENT USING SCORE CALIBRATION AND SCALING FUNCTIONS 审中-公开

    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.

    SYSTEMS AND METHODS FOR PROOF OF APPLICATION OWNERSHIP
    94.
    发明公开
    SYSTEMS AND METHODS FOR PROOF OF APPLICATION OWNERSHIP 审中-公开

    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.

    SYSTEMS AND METHODS FOR ENHANCED TRANSACTION AUTHENTICATION
    95.
    发明公开
    SYSTEMS AND METHODS FOR ENHANCED TRANSACTION AUTHENTICATION 审中-公开

    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

    IPC: G06Q20/40 ,  G06Q20/34

    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.

    MACHINE LEARNING MODEL TRAINING AND DEPLOYMENT PIPELINE
    96.
    发明公开
    MACHINE LEARNING MODEL TRAINING AND DEPLOYMENT PIPELINE 审中-公开

    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.

    Optimized dunning using machine-learned model
    97.
    发明授权
    Optimized dunning using machine-learned model 有权

    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

    IPC: G06Q20/42 ,  G06F11/14 ,  G06N20/00

    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.

    Systems and methods for hard deletion of data across systems
    98.
    发明授权
    Systems and methods for hard deletion of data across systems 有权

    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

    IPC: G06F21/00 ,  G06F21/31 ,  G06F21/54 ,  G06F21/62 ,  G06F21/64

    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.

    SYSTEMS AND METHODS FOR AUGMENTATION OF USER DATA DURING DATA ACCESS AND DELETION IN DISTRIBUTED SERVICE SYSTEMS
    99.
    发明公开
    SYSTEMS AND METHODS FOR AUGMENTATION OF USER DATA DURING DATA ACCESS AND DELETION IN DISTRIBUTED SERVICE SYSTEMS 审中-公开

    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.

    SYSTEMS AND METHODS FOR ACCESS AUTHENTICATION USING PRIORITIZED PERSONAL INFORMATION QUESTIONS FOR DATA ACCESS AND DELETION IN DISTRIBUTED SERVICE SYSTEMS
    100.
    发明公开
    SYSTEMS AND METHODS FOR ACCESS AUTHENTICATION USING PRIORITIZED PERSONAL INFORMATION QUESTIONS FOR DATA ACCESS AND DELETION IN DISTRIBUTED SERVICE SYSTEMS 审中-公开

    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

    IPC: G06F21/32 ,  G06F21/62

    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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