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

IPC: G06Q20/12 ,  G06Q20/22 ,  G06Q20/40 ,  G06Q20/02

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.

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

IPC: H04L67/62 ,  H04L67/01 ,  H04L67/51

CPC classification number: H04L67/62 ,  H04L67/01 ,  H04L67/51

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.

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

IPC: G06F9/52 ,  G06F16/23

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.

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.

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

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

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：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.

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.