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公开(公告)号：US20210027301A1
公开(公告)日：2021-01-28
申请号：US16523528
申请日：2019-07-26
Applicant: Stripe, Inc.
Inventor： Jonathan Wall
Abstract: A method and apparatus for processing a transaction between a merchant and a customer of the merchant are described. The method may include generating, at an ingress server, an initial transaction message by generating a deterministic identifier for a card used in the transaction from card data received for the transaction and encrypting the received card data. The method may also include providing the initial transaction message from the ingress server to a payment server. Furthermore, the method may include updating, by the payment server in response to an authorization of the transaction determined based at least in part on the deterministic identifier for the card, the initial transaction message with authorization data, and providing the updated initial transaction message from the payment server to an egress server. The method may also include communicating a final transaction message to an authorization system for processing the transaction between the merchant and the customer based on the card data.
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公开(公告)号：US20250037098A1
公开(公告)日：2025-01-30
申请号：US18914532
申请日：2024-10-14
Applicant: Stripe, Inc.
Inventor： Jonathan Wall , Ross Favero , Eric Nelson Glass
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.
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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
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.
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公开(公告)号：US20230053007A1
公开(公告)日：2023-02-16
申请号：US17978679
申请日：2022-11-01
Applicant: Stripe, Inc.
Inventor： Jonathan Wall , Ross Favero , Eric Nelson Glass , Joseph R. Koenig
Abstract: Method and system of performing transactions with a payment card in a managed integrated payment environment comprising an integrated circuit are disclosed comprising interacting with an integrated circuit on a received payment card to obtain card data by a payment terminal and determining whether full online transaction processing of the card data is required. If full online transaction processing of the card data is required, the card data is sent to a point-of-sale terminal, which sends the card data and a transaction total for the transaction to a merchant gateway, which obtains approval or denial of the transaction. The approval or denial is provided to the PIN pad by the merchant gateway via the point-of-service terminal. The PIN pad also receives transaction data and sends the transaction data and card data to a services processor to collect metadata, perform fraud and security checks, and/or encrypt the card data.
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公开(公告)号：US11150895B1
公开(公告)日：2021-10-19
申请号：US16523785
申请日：2019-07-26
Applicant: Stripe, Inc.
Inventor： Jonathan Wall
Abstract: A method and apparatus for automatically deploying artifacts are disclosed. In one embodiment, the method comprises generating a trusted configuration artifact with a forward immutable continuous integration (CI) implemented as a build pipeline; accessing, by an orchestration system, the trusted configuration artifact from the IAC repository; and automatically deploying the configuration to change a state of the cluster, according to an orchestration type associated with the trusted configuration artifact, including determining the orchestration type.
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Patent Agency Ranking
公开(公告)号：US11099835B1
公开(公告)日：2021-08-24
申请号：US16714271
申请日：2019-12-13
Applicant: Stripe, Inc.
Inventor： Jonathan Wall , Eric Glass , Ross Favero
Abstract: A continuous integration framework for developing software for transaction processing and method for using the same are described. In one embodiment, the method comprises generating a trusted artifact with a forward immutable continuous integration (CI) implemented as a build pipeline, wherein the artifact comprises updated software comprising payment processing code with an EMV vector kernel for processing of EMV-based card present transactions; and in response to the software update, performing end-to-end testing of EMV card present transactions using code commits from one or more code repositories, wherein the end-to-end testing comprises executing the code commits that includes executing payment processing code for processing EMV-based card present transactions with an EMV vector kernel and one or more emulated EMV cards, and running tests against the executing code commits to validate behavior the payment processing code including the EMV vector kernel, wherein the tests comprise running one or more emulated EMV cards against the vector kernel as part of one or more emulated EMV-based card present transactions and monitoring communications related to the one or more emulated EMV-based card present transaction communications.
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公开(公告)号：US11017380B1
公开(公告)日：2021-05-25
申请号：US16523460
申请日：2019-07-26
Applicant: Stripe, Inc.
Inventor： Jonathan Wall , Ross Favero , Eric Glass
Abstract: A method and apparatus for EMV terminal device testing using a simulation of a plurality of EMV cards when interacting with an EMV terminal device emulator are described. The method may include establishing, by an EMV card emulator, an interface with the EMV terminal device emulator for the exchange of EMV card present transaction communications between the EMV card emulator and the EMV terminal device emulator. Furthermore, for each of a plurality of simulated EMV cards, the method may include exchanging one or more communications with the EMV terminal device emulator via the interface, wherein each communication simulates a communication generated by a simulated integrated circuit of an EMV card in response to a communication generated by the EMV terminal device emulator, and then causing at least one transaction to be run by the EMV terminal device emulator using the exchange of the one or more communications between the EMV card emulator and the EMV terminal device emulator.
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18.发明公开公开(公告)号：US20240020705A1
公开(公告)日：2024-01-18
申请号：US18373843
申请日：2023-09-27
Applicant: Stripe, Inc.
Inventor： Jonathan Wall , Ross Favero , Gautam Seshan Raj , Eric Glass
CPC classification number: G06Q20/409 , G06Q20/3829 , G06Q20/322
Abstract: A method and apparatus for processing a transaction between a merchant system and a customer system, the customer system associated with a customer of the merchant are described. The method may include receiving, at a commerce platform, a transaction request from the merchant system, wherein the transaction request is generated by the merchant system and comprises a card identifier and encrypted payment card data, wherein the card identifier is determined from card data for a payment card used in the transaction and the encrypted payment card data comprises at least an encryption of a payment account number. The method may also include decrypting, by the commerce platform, the encrypted payment card data using an encryption key selected based on the card identifier, the encryption key associated with the commerce platform. Furthermore, the method may include authorizing, by the commerce platform in communication with one or more authorization systems, the transaction using the decrypted payment card data.
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公开(公告)号：US11710117B1
公开(公告)日：2023-07-25
申请号：US17328764
申请日：2021-05-24
Applicant: Stripe, Inc.
Inventor： Jonathan Wall , Ross Favero , Eric Glass
CPC classification number: G06Q20/3567 , G06Q20/3278 , G06Q20/341
Abstract: A method and apparatus for EMV terminal device testing using a simulation of a plurality of EMV cards when interacting with an EMV terminal device emulator are described. The method may include establishing, by an EMV card emulator, an interface with the EMV terminal device emulator for the exchange of EMV card present transaction communications between the EMV card emulator and the EMV terminal device emulator. Furthermore, for each of a plurality of simulated EMV cards, the method may include exchanging one or more communications with the EMV terminal device emulator via the interface, wherein each communication simulates a communication generated by a simulated integrated circuit of an EMV card in response to a communication generated by the EMV terminal device emulator, and then causing at least one transaction to be run by the EMV terminal device emulator using the exchange of the one or more communications between the EMV card emulator and the EMV terminal device emulator.
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公开(公告)号：US11609757B1
公开(公告)日：2023-03-21
申请号：US17373503
申请日：2021-07-12
Applicant: Stripe, Inc.
Inventor： Jonathan Wall , Eric Glass , Ross Favero
Abstract: A continuous integration framework for developing software for transaction processing and method for using the same are described. In one embodiment, the method comprises generating a trusted artifact with a forward immutable continuous integration (CI) implemented as a build pipeline, wherein the artifact comprises updated software comprising payment processing code with an EMV vector kernel for processing of EMV-based card present transactions; and in response to the software update, performing end-to-end testing of EMV card present transactions using code commits from one or more code repositories, wherein the end-to-end testing comprises executing the code commits that includes executing payment processing code for processing EMV-based card present transactions with an EMV vector kernel and one or more emulated EMV cards, and running tests against the executing code commits to validate behavior the payment processing code including the EMV vector kernel, wherein the tests comprise running one or more emulated EMV cards against the vector kernel as part of one or more emulated EMV-based card present transactions and monitoring communications related to the one or more emulated EMV-based card present transaction communications.
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