公开(公告)号：US20230334089A1

公开(公告)日：2023-10-19

申请号：US18213263

申请日：2023-06-22

Applicant: Stripe, Inc

Inventor： Pranav DANDEKAR ,  Ashish GOEL ,  Peter LOFGREN ,  Matthew FISHER

IPC: G06F16/583 ,  G06F16/51 ,  G06F16/58 ,  G06V40/16 ,  G06V40/13 ,  G06V10/77 ,  G06V10/762 ,  G06F18/214 ,  G06V10/764 ,  G06V20/30

CPC classification number: G06F16/583 ,  G06F16/51 ,  G06F16/58 ,  G06F16/5838 ,  G06V40/172 ,  G06V40/1306 ,  G06V40/165 ,  G06V10/77 ,  G06V10/7625 ,  G06F18/214 ,  G06V10/764 ,  G06V10/7715 ,  G06V20/30

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.

公开(公告)号：US20230325846A1

公开(公告)日：2023-10-12

申请号：US17714907

申请日：2022-04-06

Applicant: Stripe, Inc.

Inventor： Abishek Ravi

IPC: G06Q30/00 ,  G06F9/451

CPC classification number: G06Q30/018 ,  G06F9/451

Abstract: A method and apparatus for leveraging a distributed services system for surfacing insights for a user are described. The method may include accessing, by a computer processing system, service system data generated for a user by services of a distributed service system, the service system data including one or more values associated with one or more corresponding common entities in a data store of disambiguated service system data. The method may also include inputting the one or more values associated with the one or more corresponding common entities generated for the user into a trained machine learning model (MLM), the machine learning model trained to detect an effect of the one or more values associated with the one or more corresponding common entities on a set of metrics of interest. Furthermore, the method may include detecting, by the MLM, when there is an anomaly in a metric of interest in the set of metrics of interest.

公开(公告)号：US11776066B2

公开(公告)日：2023-10-03

申请号：US17479757

申请日：2021-09-20

Applicant: STRIPE, INC.

Inventor： Tanin Na Nakorn ,  Ji Huang ,  Atikh Bana ,  Xu Rui

IPC: G06Q40/12 ,  G06Q10/063

CPC classification number: G06Q40/12 ,  G06Q10/063

Abstract: Systems, methods and apparatuses for implementing user customizable policies for revenue recognition are described. In some embodiments, a method comprises: tracking, by a network commerce system, a plurality of transactions; determining one or more revenue recognition rules of a plurality of revenue recognition rules that applies to each transaction of the plurality of transactions based on results of matching performed between conditions of each of the plurality of revenue recognition rules and one or more characteristics of said each transaction, the conditions of each rule including an effective time period during which individual transactions are subject to the rule; and automatically performing revenue recognition for each transaction according to one of the one or more revenue recognition rules determined to apply to said each transaction using based on results of matching conditions of one revenue recognition rule and the one or more characteristics of said each transaction.

公开(公告)号：US20230298031A1

公开(公告)日：2023-09-21

申请号：US18202516

申请日：2023-05-26

Applicant: STRIPE, INC.

Inventor： Ryan Drapeau ,  Feiyi Ouyang ,  Tianshi Zhu ,  David Abrahams ,  Joshua Rosen

IPC: G06Q20/40 ,  G06Q30/018 ,  G06N20/00

CPC classification number: G06Q20/4016 ,  G06Q30/0185 ,  G06Q20/4014 ,  G06N20/00 ,  H04L67/146

Abstract: A method and apparatus for fraud detection during transactions using identity graphs are described. A method includes receiving, at a commerce platform system, a transaction from a user having initial transaction attributes and transaction data. The method also includes determining, by the commerce platform system, an identity associated with the user associated with additional transaction attributes not received with the transaction. Furthermore, the method includes accessing a feature set associated with the initial transaction attributes and the additional transaction attributes that includes machine learning (ML) model features for detecting transaction fraud. The method also includes performing, by the commerce platform system, a machine learning model analysis using the feature set and the transaction data to determine a likelihood that the transaction is fraudulent, and performing, by the commerce platforms system, the transaction when the likelihood that the transaction is fraudulent does not satisfy a transaction fraud threshold.

公开(公告)号：US20230289865A1

公开(公告)日：2023-09-14

申请号：US17689738

申请日：2022-03-08

Applicant: Stripe, Inc.

Inventor： Dheeraj Mangi Lal Agrawal ,  Jiajie Chen ,  Dylan Symington ,  Hannah Sun ,  Ruslan Rakhmedov ,  William Melani ,  Yixi Zhang

IPC: G06Q30/06 ,  G06N3/08

CPC classification number: G06Q30/0635 ,  G06N3/088

Abstract: In an example embodiment, a solution is provided that provides an event-driven architecture for scheduling electronic transfers, rather than data-model driven architecture. Doing so allows for the payout portion of the architecture to avoid aggregating transactions—it only needs to obtain an aggregated total (specifically a current balance) once, and thus does not need to be continuously aggregating/checking the aggregation of many transactions simultaneously. The payout portion of the architecture can then forego the traditional ingestion mechanism, which means that it can avoid scanning transaction data.

公开(公告)号：US20230289209A1

公开(公告)日：2023-09-14

申请号：US17694090

申请日：2022-03-14

Applicant: STRIPE, INC.

Inventor： Niranjan PADMANABHAN ,  Benjamin MAYS ,  Molly HANES ,  Ankita GUPTA

IPC: G06F9/48 ,  G06F3/0486

CPC classification number: G06F9/48 ,  G06F3/0486

Abstract: A method and system for defining and executing a workflow are described. the method comprises presenting, on a first section of a user interface (UI), a plurality of UI components associated with a plurality of tasks to be performed, where each UI component is associated with one task. The method further comprises, in response to one or more UI components of the plurality of UI components associated with one or more tasks of the plurality of tasks being moved from the first section of the UI to a second section of the UI, dynamically creating the workflow based on the one or more UI components and an order in which the one or more UI components being positioned in the second section of the UI, and executing the workflow to perform the one or more tasks of the plurality of tasks.

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

IPC: G06Q20/34 ,  G06Q20/38 ,  G06Q20/40

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.

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

IPC: G06Q20/12 ,  G06Q20/08 ,  G06Q20/02 ,  G06Q20/36 ,  G06Q20/22

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.

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.

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.