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.

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.

公开(公告)号：US11880844B2

公开(公告)日：2024-01-23

申请号：US17850324

申请日：2022-06-27

Applicant: Stripe, Inc.

Inventor： Carl Jackson ,  Robert Ying ,  Usman Masood

IPC: G06Q20/40 ,  G06F16/23 ,  G06F16/28 ,  G06Q40/02 ,  G06Q20/10 ,  G06K7/14 ,  G06Q50/26 ,  G06K7/10 ,  G06Q50/06

CPC classification number: G06Q20/405 ,  G06F16/2379 ,  G06F16/283 ,  G06K7/10366 ,  G06K7/1413 ,  G06K7/1417 ,  G06Q20/108 ,  G06Q20/4014 ,  G06Q20/4037 ,  G06Q40/02 ,  G06Q50/06 ,  G06Q50/265

Abstract: In an example embodiment, a method for updating a database with dimensional balancing comprises receiving a transaction request to transfer a portion of a first balance from the first balance to a second balance; determining a subset of the first balance less than or equal to the portion in the first balance compliant with dimensional rules based on one or more attributes of the subset and an identifier of an account holding the second balance; moving the determined subset from the first balance to the second balance; and updating attributes of the moved subset in the second balance.

公开(公告)号：US11836698B2

公开(公告)日：2023-12-05

申请号：US17987526

申请日：2022-11-15

Applicant: Stripe, Inc.

Inventor： Brian David Krausz ,  Jieren Chen ,  Shreyas Surendra Doshi ,  Michael Villar

IPC: H04W12/06 ,  G06Q20/40 ,  G06Q20/32 ,  G06Q20/38 ,  H04L9/40 ,  H04W12/041 ,  H04W12/04

CPC classification number: G06Q20/322 ,  G06Q20/3829 ,  G06Q20/401 ,  G06Q20/405 ,  H04L63/08 ,  H04W12/041 ,  H04W12/06 ,  H04L63/061 ,  H04L63/168 ,  H04L63/18 ,  H04W12/04

Abstract: A method and apparatus for authenticating a user commerce account associated with a merchant of a commerce platform are described. The method may include initiating authentication of the user commerce account associated with the merchant of the commerce platform from a commerce platform user interface of a user device, the user commerce account established for a user of the merchant. The method may also include sending an electronic message to a mobile device associated with the user account at the commerce platform, wherein the electronic message comprises an authentication code, and receiving the authentication code from the commerce platform user interface. Furthermore, the method may include generating an authentication key for the mobile device in response to matching the received authentication code with the sent authentication code and receiving a cookie provided from the commerce platform to the mobile device.

公开(公告)号：US11822642B2

公开(公告)日：2023-11-21

申请号：US17084454

申请日：2020-10-29

Applicant: STRIPE, INC.

Inventor： Karla Burnett ,  Andrew Reitz ,  Yasha Mostofi-Ashtiani ,  Jason Shantz ,  Justin Sippel ,  Andrew Dunham ,  Shawn Moore ,  Adam Zev Sorkin

IPC: G06F21/53 ,  G06F8/30 ,  G06F21/56

CPC classification number: G06F21/53 ,  G06F8/30 ,  G06F21/56 ,  G06F2221/2141

Abstract: A method and apparatus for executing code in a container are described. In one embodiment, the method comprises generating code on a host computer system using a user interface; and executing the code inside a container on the host computer system, including performing access control based on one or more properties of the host computer system.

公开(公告)号：US20230351385A1

公开(公告)日：2023-11-02

申请号：US18219541

申请日：2023-07-07

Applicant: Stripe, Inc

Inventor： Chi Wah Lo ,  Hwai Sian Tsai ,  Namson Kwok

IPC: G06Q20/40 ,  H04L9/40 ,  G07F7/10 ,  G06Q20/32 ,  H04W12/02 ,  H04W12/069 ,  G06Q20/20

CPC classification number: G06Q20/4012 ,  H04L63/083 ,  G07F7/1016 ,  G06Q20/3226 ,  G07F7/1041 ,  H04W12/02 ,  H04L63/0853 ,  G06Q20/3223 ,  H04W12/069 ,  G06Q20/206

Abstract: A system for accepting the input of a PIN comprises a first device receiving a randomized PIN layout derived on a fourth device. The randomized PIN layout is displayed on a display of the first device. A second device comprises an input for accepting a series of key presses to produce a PIN token. The PIN token indicating each of the series of key presses. A third device is in communication with the second device. The third device derives the randomized PIN layout and receives the PIN token from the second device without the PIN token being present on the first device. The third device combines the PIN layout and the PIN token to produce a PIN. The PIN is used to authenticate a transaction. The fourth and third devices each store a shared secret used to independently derive the randomized PIN layout on the fourth and third devices.

公开(公告)号：US11804711B2

公开(公告)日：2023-10-31

申请号：US17567947

申请日：2022-01-04

Applicant: Stripe, Inc.

Inventor： Wing Cheong Chan ,  Hwai Sian Tsai ,  Chi Wah Lo

IPC: H02J1/10 ,  G07F7/08 ,  H02J7/00

CPC classification number: H02J1/102 ,  G07F7/0873 ,  H02J7/0068

Abstract: A power management circuitry for a peripheral electronic device includes a power regeneration circuitry, a power selector, a power switch and an audio signal detection circuitry. The power regeneration circuitry receives a continuous periodic sound wave from an audio device and converts the continuous periodic sound wave into an amplified DC electrical signal. The power source selector receives the amplified DC electrical signal and input from a primary power source and provides a power signal output. The audio signal detection circuitry receives the amplified DC electrical signal and transmits a wake-up signal to the power switch circuitry. The power switch circuitry is turned on by the wake-up signal and connects the power source selector to the peripheral electronic device main circuitry and transfers the power signal output to the peripheral electronic device main circuitry.

公开(公告)号：US11803463B2

公开(公告)日：2023-10-31

申请号：US17406794

申请日：2021-08-19

Applicant: Stripe, Inc.

Inventor： Steven Edouard ,  Andrew Qin ,  Erin Kavanaugh ,  Karolis Kosas

IPC: G06F11/36 ,  H04L9/40 ,  H04L67/306 ,  G06Q20/10 ,  G06Q20/34 ,  G06F9/54 ,  G06F3/0482 ,  G06Q30/018

CPC classification number: G06F11/3688 ,  G06F3/0482 ,  G06F9/547 ,  G06F11/3664 ,  G06F11/3692 ,  G06Q20/10 ,  G06Q20/34 ,  G06Q30/0185 ,  H04L63/08 ,  H04L67/306

Abstract: A method and apparatus for providing a document-integrated software integration validation by a service provider system are described. The method includes serving an interactive integration guide user interface to a user system that displays information for an application programming interface (API) integration test scenario. The method also includes determining correctness of API usage of a software application that performs operations integrating services of a service provider system using APIs of the service provider system, the software application developed by the user system. Furthermore, the method includes serving an updated integration guide to the user system updating the display of the interactive integration guide UI indicating each operation in the test scenario that was performed correctly and indicating each operation in the test scenario that was not performed correctly.

公开(公告)号：US20230342829A1

公开(公告)日：2023-10-26

申请号：US18215005

申请日：2023-06-27

Applicant: Stripe, Inc.

Inventor： Rasmus Rygaard ,  Devesh Kumar Senapati ,  Christopher Ross Continanza ,  James William Danz

IPC: G06Q30/0601 ,  G06Q20/32 ,  G06Q20/12

CPC classification number: G06Q30/0613 ,  G06Q20/322 ,  G06Q30/0601 ,  G06Q30/0643 ,  G06Q30/0641 ,  G06Q30/0627 ,  G06Q30/0635 ,  G06Q20/12 ,  G06Q30/0615 ,  G06Q30/0621 ,  G06Q30/0617 ,  G06Q30/0619

Abstract: A method and apparatus for a commerce platform coordinating a purchase of a product sold by a merchant system through a third party application are described. The method may include receiving a notification from the third party application requesting to purchase a product from within the third party application, wherein the notification comprises an identifier for the product and an identifier for the merchant system that sells the product. The method may also include a product checkout interface having an appearance consistent with an appearance of a user interface of the third party application, and transmitting the product checkout interface generated by the commerce platform to a user device executing the third party application causing the third party application to render the product checkout interface within at least a portion of the user interface of the third party application.

公开(公告)号：US20230342699A1

公开(公告)日：2023-10-26

申请号：US18217096

申请日：2023-06-30

Applicant: Stripe, Inc.

Inventor： Ryan Lopopolo

IPC: G06Q10/067 ,  G06F30/20 ,  G06Q10/10 ,  G06Q10/047 ,  G06Q30/0201 ,  G06Q10/0637 ,  G06Q10/0631 ,  G06F40/20 ,  G06Q30/0204

CPC classification number: G06Q10/067 ,  G06F30/20 ,  G06Q10/10 ,  G06Q10/047 ,  G06Q30/0201 ,  G06Q10/06375 ,  G06Q10/06315 ,  G06F40/20 ,  G06Q30/0204

Abstract: Systems and methods for modeling and analysis of commerce platform system infrastructure provided by cloud services provider systems to a commerce platform are described. The method may include receiving a cloud services provider spending report generated by a cloud service provider system, wherein the cloud services provider spending report comprises information indicative of costs of cloud services provider resource usage by the commerce platform system over a period of time, and receiving a service report for one or more systems of the commerce platform, wherein the service report comprises information indicative of execution of services of the one or more systems of the commerce platform over the period of time. A directed graph may then be generated that models costs of commerce platform system service usage at the cloud services provider system. The method may also include performing an analysis of the directed graph to attribute cloud service provider system cost information to the commerce platform system service usage at the cloud services provider system, and generating a report indicating cloud service provider system costs attributable services of the commerce platform system.