公开(公告)号：US12118529B2

公开(公告)日：2024-10-15

申请号：US17891707

申请日：2022-08-19

Applicant: Stripe, Inc.

Inventor： Jonathan Wall ,  Ross Favero ,  Eric Nelson Glass

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

CPC classification number: G06Q20/20 ,  G06Q20/3829 ,  G06Q20/4012

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：US20240338698A1

公开(公告)日：2024-10-10

申请号：US18578637

申请日：2022-07-15

Applicant: Stripe, Inc.

Inventor： Hwai Sian Tsai ,  Chi Wah Lo

IPC: G06Q20/40

CPC classification number: G06Q20/4012 ,  G06Q20/4015

Abstract: A system for conducting a card transaction comprises an consumer application running on a user device, a card reading interface separate from the user device, a payment application residing on a COTS device, a PIN verification subsystem, an EPB creation subsystem located at an EPB creation location, and a server. The user device receives an entered PIN. The card reading interface receives a PAN from a payment card. Either the PIN or a first set of signals comprising the PIN is received by the EPB creation subsystem. The second set of signals comprising the PAN is generated and transmitted by the payment application via the network. An EPB is created by the EPB creation subsystem based on the PIN and PAN, and the EPB is transmitted by the EPB creation subsystem to either the PIN verification subsystem or the payment card for PIN verification.

公开(公告)号：US12095773B2

公开(公告)日：2024-09-17

申请号：US18094290

申请日：2023-01-06

Applicant: Stripe, Inc.

Inventor： Michael Julien Kovacs ,  Bowen Pan ,  Gabriel Hurley ,  Dmitriy Gak ,  Timothy James Fontaine ,  Yuliya Gorlovetsky ,  Mark Joseph Cavage ,  Brian Amaro

IPC: H04L67/53 ,  H04L9/40

CPC classification number: H04L63/105 ,  H04L63/0884 ,  H04L67/53

Abstract: In some embodiments, a computer system is described. In some embodiments, the computer system receives, from a client application, a first request to access a collection of applications associated with an operation, wherein the collection of applications is associated with at least one third-party entity. In some embodiments, the computer system receives a selection of an application associated with a third-party entity from the collection of applications. In some embodiments, in response to receiving the selection, the computer system identifies a set of data comprising an aggregation of data stored on a plurality of databases required to perform the operation associated with the application. In some embodiments, the computer system determines that the application has access to the aggregation of data. In some embodiments, the computer sends a request to perform the operation to the application. In some embodiments, the computer system receives a set of results based on the performance of the operation.

公开(公告)号：US20240305476A1

公开(公告)日：2024-09-12

申请号：US18667768

申请日：2024-05-17

Applicant: Stripe, Inc.

Inventor： Carl Jackson ,  Bryan Berg ,  David Terrence Bartley ,  Evan Broder

IPC: H04L9/32 ,  H04L9/14 ,  H04L9/40

CPC classification number: H04L9/3263 ,  H04L9/14 ,  H04L9/3247 ,  H04L9/3268 ,  H04L9/3271 ,  H04L63/0428 ,  H04L63/083 ,  H04L2209/127

Abstract: A method and apparatus for a certificate authority system providing authentication to a plurality of devices associated with an organization are described. The method may include receiving, at the certificate authority system, a request from a device to sign authentication information of the device, wherein the device is associated with the organization. The method may also include sending a challenge to the device to perform an action with a system other than the certificate authority system, and receiving the response to the challenge from the device. Furthermore, the method may include verifying that the response was generated correctly based on the challenge, and signing the authentication information of the device with one or more keys of the certificate authority system as an authentication of an identity of the device.

公开(公告)号：US12063212B1

公开(公告)日：2024-08-13

申请号：US18533978

申请日：2023-12-08

Applicant: Stripe, Inc.

Inventor： Matthew William Janiga ,  Karen Elizabeth Brinkley ,  Vincent Michael Cogan ,  Brian David Krausz

IPC: H04L9/40 ,  G06Q20/00 ,  G06Q20/02 ,  G06Q20/40 ,  H04L9/32

CPC classification number: H04L63/083 ,  G06Q20/00 ,  G06Q20/02 ,  G06Q20/4014 ,  G06Q20/4097 ,  H04L9/3271 ,  H04L63/08 ,  H04L63/0807

Abstract: Methods and systems for secure token driven conditional routing of proceeds are described. A request to initiate routing of data between remote systems is received by a server computer system, where the request includes an incomplete set of parameters. A validation challenge and a challenge response defined by a first remote computing system are received, and a token that references the first remote computing system and the incomplete parameter set is generated. A validation may then be performed for a second remote computing system using the validation challenge and the challenge response defined by the first remote computing system. The incomplete set of parameters may then be completed by the second remote computing system when the challenge is validated to enable the routing of data according to the complete set of parameters referenced by the token.

公开(公告)号：US20240265111A1

公开(公告)日：2024-08-08

申请号：US18106340

申请日：2023-02-06

Applicant: Stripe, Inc.

Inventor： Hung Fuk LEE ,  Lakshmi NARAYAN ,  Christopher Michael PRINCE ,  David STEARNS

IPC: G06F21/57 ,  G06Q20/40

CPC classification number: G06F21/577 ,  G06Q20/40

Abstract: Disclosed herein are systems and methods for efficiently analyzing data using intelligent methods and systems. In an embodiment, a server identifies an aggregated data associated with an electronic payment system comprising data corresponding to a set of attributes for a set of transactions associated with the electronic payment system, each attribute having one or more corresponding values; generates a set of data slices from the aggregated data, the set of data slices including a first data slice containing data corresponding to a first value of a plurality of values associated with a first attribute of the set of attributes; executes a computer model that receives an input of the aggregated data and an input of at least the first data slice and outputs an identification of an anomaly associated with the electronic payment system.

公开(公告)号：US12039519B2

公开(公告)日：2024-07-16

申请号：US18197620

申请日：2023-05-15

Applicant: STRIPE, INC.

Inventor： Hwai Sian Tsai ,  Chi Wah Lo

IPC: G06F3/048 ,  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：US20240236108A1

公开(公告)日：2024-07-11

申请号：US18094290

申请日：2023-01-06

Applicant: Stripe, Inc.

Inventor： Michael Julien KOVACS ,  Bowen PAN ,  Gabriel HURLEY ,  Dmitriy GAK ,  Timothy James FONTAINE ,  Yuliya GORLOVETSKY ,  Mark Joseph CAVAGE ,  Brian AMARO

IPC: H04L9/40 ,  H04L67/53

CPC classification number: H04L63/105 ,  H04L63/0884 ,  H04L67/53

Abstract: In some embodiments, a computer system is described. In some embodiments, the computer system receives, from a client application, a first request to access a collection of applications associated with an operation, wherein the collection of applications is associated with at least one third-party entity. In some embodiments, the computer system receives a selection of an application associated with a third-party entity from the collection of applications. In some embodiments, in response to receiving the selection, the computer system identifies a set of data comprising an aggregation of data stored on a plurality of databases required to perform the operation associated with the application. In some embodiments, the computer system determines that the application has access to the aggregation of data. In some embodiments, the computer sends a request to perform the operation to the application. In some embodiments, the computer system receives a set of results based on the performance of the operation.

公开(公告)号：US20240232408A1

公开(公告)日：2024-07-11

申请号：US18094217

申请日：2023-01-06

Applicant: STRIPE, INC.

Inventor： Bowen Pan ,  Gabriel Hurley ,  Dmitriy Gak ,  Timothy James Fontaine ,  Yuliya Gorlovetsky ,  Kenneth Auchenberg

IPC: G06F21/62 ,  G06F21/60

CPC classification number: G06F21/6218 ,  G06F21/604 ,  G06F2221/2113 ,  G06F2221/2141

Abstract: Aspects of the present disclosure relate to systems and methods for managing access to data in a cloud-based software platform. An end-user account associated with an organization account may request access to data in a data store of the organization account. A schema associated with the data may specify collections of user access permissions, each collection being associated with a different user role. The request for access to the data is then granted (or denied) subject to the collection of user access permissions that is associated with the user role of the end-user account.

公开(公告)号：US20240231816A1

公开(公告)日：2024-07-11

申请号：US18094286

申请日：2023-01-06

Applicant: Stripe, Inc.

Inventor： Michael Julien KOVACS ,  Bowen PAN ,  Yuliya GORLOVETSKY ,  Caitlyn M. CAWTHRON ,  Esther LEE ,  Dmitriy GAK ,  Gabriel HURLEY ,  Katarzyna BABULA ,  Timothy James FONTAINE

IPC: G06F8/76 ,  G06F8/61 ,  G06F9/451 ,  H04L67/00 ,  H04L67/306

CPC classification number: G06F8/76 ,  G06F8/61 ,  G06F9/451 ,  H04L67/306 ,  H04L67/34

Abstract: This disclosure provides techniques for enabling developers to create a single implementation of an application that is accessible via different types of surfaces. For example, a developer can develop a single application and, based on how the developer defines parameters in a schema of the application, the corresponding user interfaces and features of the application can be used on different types of surfaces. Moreover, the single application can be made available to install via a hosted network and installed without regard to the type of surface that is being used to access the hosted network.