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公开(公告)号：US20230281600A1
公开(公告)日：2023-09-07
申请号：US18197620
申请日：2023-05-15
Applicant: STRIPE, INC.
Inventor： Hwai Sian TSAI , Chi Wan LO
CPC classification number: G06Q20/353 , G06Q20/3829 , G06Q20/4012
Abstract: A system to indicate to a user to enter a personal identification number (PIN) on a commercial off the shelf (COTS) device, the system comprising: a secure card reader communicatively coupled to the COTS device, and wherein the secure card reader receives a payment card; a payment application installed on the COTS device; and one or more devices other than the COTS device. The payment application installed on the COTS device transmits one or more prompts to the one or more devices other than the COTS device based on a set of signals received from the secure card reader. The secure card reader transmits the set of signals after the payment card is received at the secure card reader, and the one or more prompts comprise at least one indication to the user to enter the PIN on a display of the COTS device.
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112.发明公开公开(公告)号：US20230281582A1
公开(公告)日：2023-09-07
申请号：US18093992
申请日：2023-01-06
Applicant: Stripe, Inc.
Inventor： Christopher Continanza , Shreyas Surendra Doshi , Brian David Krausz , Jay Shah
CPC classification number: G06Q20/12 , G06Q20/027 , G06Q20/085 , G06Q20/227 , G06Q20/3676
Abstract: Disclosed embodiments provide systems, methods, and apparatuses for facilitating transfers between user commerce accounts associated with a merchant of a commerce platform within a computing environment supported by a processor and a memory to execute such functionality. An exemplary system may include a means for creating a merchant account platform at the payment system; creating a single charge from a customer at the merchant account platform; creating multiple transfers from the merchant account platform to different connected accounts, wherein the multiple transfers are to each transfer a sub-portion of proceeds associated with the single charge from the customer to each of the different connected accounts; performing the single charge from the customer to the merchant account platform; and performing each of the multiple transfers from the merchant account platform to the different connected accounts. Other embodiments are also disclosed.
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公开(公告)号：US11727053B2
公开(公告)日：2023-08-15
申请号：US17231580
申请日：2021-04-15
Applicant: Stripe, Inc.
Inventor： Pranav Dandekar , Ashish Goel , Peter Lofgren , Matthew Fisher
IPC: G06V40/16 , G06F16/583 , G06F16/51 , G06F16/58 , G06V40/13 , G06V10/77 , G06V10/762 , G06F18/214 , G06V10/764 , G06V20/30
CPC classification number: G06F16/583 , G06F16/51 , G06F16/58 , G06F16/5838 , G06F18/214 , G06V10/764 , G06V10/7625 , G06V10/77 , G06V10/7715 , G06V20/30 , G06V40/1306 , G06V40/165 , G06V40/172
Abstract: Aspects of the current disclosure include systems and methods for identifying an entity in a query image by comparing the query image with digital images in a database. In one or more embodiments, a query feature may be extracted from the query image and a set of candidate features may be extracted from a set of images in the database. In one or more embodiments, the distances between the query feature and the candidate features are calculated. A feature, which includes a set of shortest distances among the calculated distances and a distribution of the set of shortest distances, may be generated. In one or more embodiments, the feature is input to a trained model to determine whether the entity in the query image is the same entity associated with one of the set of shortest distances.
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114.发明公开公开(公告)号：US20230230090A1
公开(公告)日：2023-07-20
申请号：US18125390
申请日：2023-03-23
Applicant: Stripe, Inc.
Inventor： Michael Manapat , Isaac Hepworth , Tara Sheehan , Mike Towber
IPC: G06Q20/40 , G06F3/04847 , G06F3/0482 , G06F3/0488
CPC classification number: G06Q20/4016 , G06Q10/067 , G06Q20/405 , G06F3/04847 , G06F3/0482 , G06F3/0488
Abstract: Systems, methods, and apparatuses for implementing user customizable risk management tools with statistical modeling and a recommendation engine within a computing environment are provided. A system may include, for example, means for evaluating the performance of a user rule for fraud prevention, in which the system receives a plurality of purchase transactions for the user; analyzes each purchase transaction received to generate a fraud likelihood score; receives the rule that specifies conditions when the system is to accept or reject transactions regardless of the fraud likelihood score generated by the system; transmits a historical analysis to the user based on the received rule; receives an input from the user to activate the rule; monitors performance of the rule; and transmits a recommendation to the user to retain or cancel the activated rule based on the monitored performance. Other related embodiments are disclosed.
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公开(公告)号：US11663568B1
公开(公告)日：2023-05-30
申请号：US17200095
申请日：2021-03-12
Applicant: Stripe, Inc.
Inventor： Christian Anderson , Stanislas Polu
CPC classification number: G06Q20/12 , G06Q20/027 , G06Q20/227 , G06Q20/405
Abstract: In embodiments, methods and systems for implementing payment interface services using a payment platform are provided. Multiple payments types are integrated into the payment platform to support customer payments for merchants. The payment platform identifies payment types that are relevant to a customer based on receiving an indication to personalize payment types for the customer, and on customer data resources that are accessed. One or more relevant payment types are determined based on the information of the customer. The payment types for the customer are determined from a plurality of payment types supported via the payment platform that supports customer payment type personalization. A payment type from the one or more payment types relevant to the customer is automatically chosen or explicitly chosen by the customer, such that a corresponding payment type provider authenticates the customer in order to complete the transaction.
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Patent Agency Ranking
116.发明公开公开(公告)号：US20230164243A1
公开(公告)日：2023-05-25
申请号：US17898422
申请日：2022-08-29
Applicant: Stripe, Inc.
Inventor： Ji Huang , Tushar Dhoot , Alexander Thiemann , Stefan Gawrys
Abstract: A method and apparatus for a first service processing system receiving and responding to a service request using a time context of a service time protocol is described. The method may include receiving a network based message associated with a service. The method may also include determining whether a service time context has been passed to the first service processing system from a second service processing system in the request. Furthermore, the method can include when no service time context is determined to have been passed to the first service processing system in the request, generating a current service time from a combination of a current physical time of the first service processing system and an initial counter time, performing a task associated with the service, and transmitting a second network based message that comprises the current service time as time context metadata associated with the performance of the task to a second service processing system.
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公开(公告)号：US20230098748A1
公开(公告)日：2023-03-30
申请号：US17590206
申请日：2022-02-01
Applicant: Stripe, Inc.
Inventor： Peter Wang , Alexander Thiemann , Adam Eagle , Hongshan Zhou , Ji Huang
Abstract: A method for preventing race conditions in a database comprises: setting a first numerical entry and a second numerical entry in a database; receiving a first online transaction; responsive to determining a lock of the database is in progress due to a second received online transaction, suspending the first online transaction; removing the lock after the second received online transaction is completed; responsive to determining that the first entry is greater than zero, decrementing the first entry by an amount indicated in the first online transaction; responsive to determining the second entry is greater than zero, decrementing the second entry; processing the first transaction; and generating an online transaction record for the first transaction and storing the generated record in an online transaction database.
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公开(公告)号：US11595799B2
公开(公告)日：2023-02-28
申请号：US17090268
申请日：2020-11-05
Applicant: Stripe, Inc.
Inventor： Chi Wah Lo
IPC: H04W4/80 , H04W12/06 , H04W12/50 , H04B7/26 , H04W12/04 , G06F1/3234 , H04L9/40 , H04W52/02 , H04W8/00 , H04W84/18 , H04W12/65
Abstract: A mobile device includes a Bluetooth transceiver, the Bluetooth transceiver being in an idle power state when not securely paired to a second Bluetooth transceiver of a peripheral device. The mobile device further includes an audio interface, the audio interface coupled to the Bluetooth transceiver, the audio interface configured to connect to a second audio interface of the peripheral device. The mobile device is configured to establish an out-of-band audio communication channel to the peripheral device by connecting the audio interface to the second audio interface, the mobile device configured to exchange Bluetooth authentication data with the peripheral device via the out-of-band audio communication channel in response to transitioning to an operating state, the mobile device configured to initialize the Bluetooth transceiver with the Bluetooth authentication data to establish an authenticated and cryptographically protected in-band Bluetooth communication channel allowing the mobile device to be securely paired with the peripheral device.
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公开(公告)号：US20230021606A1
公开(公告)日：2023-01-26
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
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.
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公开(公告)号：US11539512B2
公开(公告)日：2022-12-27
申请号：US17066930
申请日：2020-10-09
Applicant: Stripe, Inc.
Inventor： Jonathan Wall , Gautam S. Raj
IPC: H04L9/08 , H04L9/40 , H04L9/06 , G06F16/23 , G06F21/60 , H04L9/32 , G06F21/62 , G06F21/00 , G06F40/205 , G06Q20/38 , G06F16/22
Abstract: Methods and systems for encrypting and decrypting data comprising sending sensitive information to a first cryptographic processing system in a first cloud region for encryption with a first key encryption key generated by and stored by the first cryptographic processing system. The first encrypted sensitive information received from the first cryptographic processing system is stored in a first database. The sensitive information is also sent to a second cryptographic processing system in a second cloud region different from the first cloud region for encryption with a second key encryption key generated by and stored by the second cryptographic processing system. The second encrypted sensitive information received from the second cryptographic processing system is stored in a second database. If the first encrypted sensitive information cannot be decrypted by the first cryptographic processing system, the second encrypted sensitive information is sent to the second cryptographic processing system.
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