公开(公告)号：US20220391914A1

公开(公告)日：2022-12-08

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

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.

公开(公告)号：US20220327166A1

公开(公告)日：2022-10-13

申请号：US17852121

申请日：2022-06-28

Applicant: Stripe, Inc.

Inventor： Eduardo Serrano ,  Jenan Wise ,  Yue Bu

IPC: G06F16/95 ,  G06Q30/06 ,  G06Q20/40 ,  G06Q20/12 ,  H04L67/02

Abstract: A system and method for a commerce platform system conducting a transaction with a customer system of a merchant system. The method may include receiving, over a communications network from the customer system, a request to purchase a product offered for sale by the merchant system, the request to purchase the product generated within a user interface presented to the customer system by the merchant system. The method may also include redirecting the customer system to a payment page served by the commerce platform system, wherein the payment page presents the product of the merchant for purchase by the customer system. Furthermore, the method may include clearing, with one or more authorization network systems, the purchase of the product from the payment page by the customer system, and redirecting the customer system back to a second user interface provided to the customer system by the merchant system.

公开(公告)号：US11429970B2

公开(公告)日：2022-08-30

申请号：US15997416

申请日：2018-06-04

Applicant: Stripe, Inc.

Inventor： Jonathan Wall ,  Ross Favero ,  Eric Nelson Glass

IPC: G06Q20/40 ,  G06Q20/20 ,  G06Q20/38

Abstract: Embodiments of the invention include a method of performing a payment transaction comprising receiving transaction data by a PIN pad terminal from a point-of-sale terminal, and receiving tender from a customer, by the PIN pad terminal. Tender data and the transaction data are sent to a service gateway, by the PIN pad terminal. The service gateway collects metadata from the tender data and the transaction data. The tender data is sent by the PIN pad terminal to the point-of-sale terminal, which sends the tender data and the transaction data to a merchant gateway for approval or denial of the tender data. The tender data sent to the POS may be encrypted. The service gateway may provide customer and merchant analytics based on the metadata, as well as perform security/fraud checks, BIN management, PIN pad management. Systems are also disclosed.

公开(公告)号：US20220272159A1

公开(公告)日：2022-08-25

申请号：US17181494

申请日：2021-02-22

Applicant: Stripe, Inc.

Inventor： Noam Samuel ,  Ellen Stanfill ,  David C. Doran ,  Alexander Thiemann

IPC: H04L29/08 ,  G06Q30/04 ,  G06Q30/06

Abstract: A method for location-dependent determination comprises: determining, with one or more processors, a geographic location of a user's electronic device using first data; in response to determining the determined geographic location is insufficient for performing a location-dependent determination, requesting second data to determine an updated geographic location of the user's electronic device; performing, with an Application Programming Interface (API), the location-dependent determination based on the updated geographic location; and completing, with the API, a transaction using the location-dependent determination.

公开(公告)号：US20220253404A1

公开(公告)日：2022-08-11

申请号：US17171879

申请日：2021-02-09

Applicant: Stripe, Inc.

Inventor： Sheng Wang ,  Tuan Doan

IPC: G06F16/11 ,  G06F16/901 ,  G06F16/22 ,  G06F16/16

Abstract: In an example embodiment, data in a multi-tenant database is organized as a graph representing the relationships among all documents and tenants. Specifically, each document is represented as a node in the graph and each tenant also is represented as a node. The relationships between the documents themselves, or between a document and a graph, are then represented as edges in the graph. A list of tenants whose data should be marked for deletion (e.g., former customers who no longer have a relationship with the entity maintaining the database) may be maintained. Periodically (e.g., once a week), this list of tenants and the relationship graph are fed as input into a graph search algorithm that generates smaller relationship graphs comprised only of documents associated with those accounts.

公开(公告)号：US20220245480A1

公开(公告)日：2022-08-04

申请号：US17164277

申请日：2021-02-01

Applicant: Stripe, Inc.

Inventor： Kyle Carlson

IPC: G06N5/04 ,  G06F16/24 ,  G06N20/00 ,  G06N5/02 ,  G06Q30/02

Abstract: In an example embodiment, input data for an experiment is automatically formatted and organized using a framework that presents a graphical user interface that is simple and flexible. The graphical user interface allows the user to make certain selections without allowing the user to make any changes that would cause the results of the experiment to be negatively affected. The framework also enforces temporal guarantees. Specifically, the framework enforces that an outcome being used to calculate a metric be measured after an exposure related to the outcome has occurred.

公开(公告)号：US20220147977A1

公开(公告)日：2022-05-12

申请号：US17095552

申请日：2020-11-11

Applicant: Stripe, Inc.

Inventor： Carl Jackson ,  Peter Bakkum ,  Usman Masood

IPC: G06Q20/36 ,  G06F16/13 ,  G06F16/23 ,  H04L9/06 ,  G06Q50/06

Abstract: A method for maintaining database integrity comprises: receiving event data from a producer; converting the received event data to a standard set of ledger entries; publishing the converted entries to a database; determining if two accounts in the database balance out; performing a remedial action to maintain the database integrity if the accounts do not balance.

公开(公告)号：US11328065B1

公开(公告)日：2022-05-10

申请号：US16523797

申请日：2019-07-26

Applicant: Stripe, Inc.

Inventor： Jonathan Wall ,  Andy Reitz ,  Ed Flanagan

IPC: G06F9/44 ,  G06F21/57 ,  G06F8/36 ,  G06F8/70 ,  H04L9/32 ,  G06F8/60

Abstract: Architectures, systems and methods for building trusted and secure artifacts are disclosed. In one embodiment, the method comprises: receiving inputs including one or more instances of software code; verifying trustworthiness of the one or more inputs; creating software code using a forward immutable continuous integration (CI) pipeline having a plurality of stages with forward immutability between consecutive pipeline stages to receive the one or more inputs verified as trustworthy and to build and test one or more containers associated with the one or more inputs, wherein each subsequent stage after a first stage of the pipeline depends on an immutable output of an immediately preceding stage in the pipeline, and further wherein the pipeline includes an emission stage for outputting signed, trusted software code from the pipeline; and storing signed, trusted software code in a repository for deployment, the repository only accepting signed software code for deployment.

公开(公告)号：US20220122138A1

公开(公告)日：2022-04-21

申请号：US17072749

申请日：2020-10-16

Applicant: Stripe, Inc.

Inventor： Sean Fitzgerald ,  Sophie Sakellariadis

IPC: G06Q30/06 ,  G06Q20/02 ,  G06Q30/00 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q20/08 ,  G06F9/54 ,  G06F16/955

Abstract: A method and apparatus for real time onboarding using identifier pooling are described. The method may include receiving, from a merchant system, a transaction request using a merchant system identifier and merchant system authentication credentials associated with the merchant identifier, the transaction request specifying a payments partner system to process at least a part of the transaction. The method may also include determining whether the merchant system is onboarded for use of the payments platform system. When the merchant system is determined not to be onboarded for use of the payments platform system, the method may also include selecting a commerce platform system payments partner identifier from a pool of available commerce platform system payment partner identifiers provisioned by the payments partner system for the commerce platform system, and updating a merchant accounts data store by associating the selected commerce platform system payments partner identifier with the merchant identifier. The method may also include processing the transaction using the selected payments partner identifier associated by the commerce platform system with the merchant ID for performing the transaction.

公开(公告)号：US20220012740A1

公开(公告)日：2022-01-13

申请号：US17483998

申请日：2021-09-24

Applicant: STRIPE, INC.

Inventor： Steven V. Bacastow

IPC: G06Q20/40 ,  G06Q20/26 ,  G06Q20/02 ,  G06Q20/34 ,  G06Q20/32 ,  G06Q20/42

Abstract: This invention relates to systems and methods for authenticating transactions using a mobile device based primarily on the introduction of a layer of middleware and wherein the Payment Networks, Merchants, Issuing Banks, Credit Reporting Bureaus, Insurance Companies, Healthcare Providers may customize the implementation of the services based on individual strategy and consumer preferences.