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    Optimized dunning using machine-learned model
    91.
    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
    92.
    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
    93.
    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
    94.
    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.

    Liquidity engine
    95.
    发明授权
    Liquidity engine 有权

    公开(公告)号：US11900448B2

    公开(公告)日：2024-02-13

    申请号：US17382089

    申请日：2021-07-21

    Applicant: STRIPE, INC.

    Inventor： Qi Zhang ,  Jeremiah Clemenson ,  Katherine Yu ,  Albert Koy ,  Andrew Straussman ,  Eric Zhang ,  Jordan McQueen ,  Yiran Gao

    IPC: G06Q40/02 ,  G06Q40/04 ,  G06N5/04 ,  G06N20/00

    CPC classification number: G06Q40/02 ,  G06N5/04 ,  G06N20/00 ,  G06Q40/04

    Abstract: A method and apparatus for managing liquidity when processing transactions are disclosed. In some embodiments, the method is implemented by a computing device and comprises: receiving data for a plurality of transactions; continuously reading in and aggregating, with an aggregator implemented at least partially in hardware of the computing device, transactions to produce one or more netted currency positions based on a plurality of properties of the transactions and on a plurality of netting constraints; generating one or more tasks, using a trade generator implemented at least partially in hardware of the computing device, to route cash movements as one or more batched fund transfers based on one or more trading policies; and sending the one or more tasks via network communications to one or more entities to execute the batched fund transfers.

    PAYMENT PROCESSING METHOD AND APPARATUS USING AN INTERMEDIARY PLATFORM
    96.
    发明公开
    PAYMENT PROCESSING METHOD AND APPARATUS USING AN INTERMEDIARY PLATFORM 审中-公开

    公开(公告)号：US20240037513A1

    公开(公告)日：2024-02-01

    申请号：US18485578

    申请日：2023-10-12

    Applicant: Stripe, Inc.

    Inventor： Timothy Thairu ,  Lachlan Groom

    IPC: G06Q20/02 ,  G06Q20/40

    CPC classification number: G06Q20/027 ,  G06Q20/4097

    Abstract: A payment processing method and apparatus for using an intermediary platform are described. In one embodiment, the method comprises electronically receiving approval from an intermediary platform associated with a payment processor user of a first authorization request for a first transaction; electronically receiving for approval, at the payment processing system, a second authorization request for a second transaction from a merchant using a payment instrument used by an agent of the service provider; and settling transactions associated with the service provider, including clearing a batch of records corresponding to the service provider on a predetermined time basis by comparing, with a tracking engine of the payment processing system, transaction tracking information associated with authorization requests to net out individual transactions.

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