公开(公告)号：US12212681B1

公开(公告)日：2025-01-28

申请号：US17130574

申请日：2020-12-22

Applicant: Stripe, Inc.

Inventor： Ryan Drapeau ,  Leela Senthil Nathan ,  Kefeng Chen ,  Ryan Koven ,  Joseph Kirwin

IPC: H04L9/32 ,  G06F9/54 ,  G06N20/00 ,  G06Q20/08 ,  G06Q20/34 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q30/018 ,  G06Q40/02 ,  H04L67/146

Abstract: A method and apparatus for using cryptographically signed secure identifiers to detect fraud during network based transactions are described. The method may include receiving a transaction from a user device, the transaction comprising a secure identifier purported to be associated with the user device, and the transaction further comprising transaction data. The method may also include extracting a first identifier and a second identifier from the secure identifier purported to be associated with the user device, and then regenerating a true second identifier using the first identifier. Furthermore, when it is determined that the true second identifier matches the second identifier extracted from the secure identifier purported to be associated with the user device, the method may include determining that the secure identifier is valid, and processing the transaction based at least in part on the determination that the secure identifier is valid.

公开(公告)号：US12205119B2

公开(公告)日：2025-01-21

申请号：US17383107

申请日：2021-07-22

Applicant: Stripe, Inc.

Inventor： Ryan Drapeau ,  Feiyi Ouyang ,  Mathieu Hofman

IPC: G06Q20/40 ,  G06F16/955 ,  G06N20/00 ,  G06Q20/38

Abstract: A method and apparatus for performing privacy preserving fraud detection in network based transactions are described. The method may include receiving a fraud detection message during a transaction between a user system and a merchant system, the message having a set of cryptographically transformed universal resource locator (URL) components generated from a URL of a web page of the merchant system on which the transaction is to occur. The method may also include generating one or more secure and anonymous fraud detection features, each fraud detection feature comprising a select subset of the cryptographically transformed URL components. The method may also include performing fraud detection for the web page using the one or more secure and anonymous fraud detection features to determine a likelihood that fraud is occurring in the transaction.

公开(公告)号：US20230026121A1

公开(公告)日：2023-01-26

申请号：US17383107

申请日：2021-07-22

Applicant: Stripe, Inc.

Inventor： Ryan Drapeau ,  Feiyi Ouyang ,  Mathieu Hofman

IPC: G06Q20/40 ,  G06F16/955 ,  G06Q20/38 ,  G06N20/00

Abstract: A method and apparatus for performing privacy preserving fraud detection in network based transactions are described. The method may include receiving a fraud detection message during a transaction between a user system and a merchant system, the message having a set of cryptographically transformed universal resource locator (URL) components generated from a URL of a web page of the merchant system on which the transaction is to occur. The method may also include generating one or more secure and anonymous fraud detection features, each fraud detection feature comprising a select subset of the cryptographically transformed URL components. The method may also include performing fraud detection for the web page using the one or more secure and anonymous fraud detection features to determine a likelihood that fraud is occurring in the transaction.

公开(公告)号：US20220188439A1

公开(公告)日：2022-06-16

申请号：US17123694

申请日：2020-12-16

Applicant: Stripe, Inc.

Inventor： Ryan Drapeau ,  Andrew Bullen

IPC: G06F21/62 ,  G06F21/54 ,  G06F21/64 ,  G06F21/31

Abstract: A method and apparatus for hard deletion of user data are described. The method may include receiving a request from a user computer system to delete user data. The method may also include determining a unique user identifier associated by a system with a user making the request. The method may also include determining whether a data partition, in which data generated by a job or subsystem of the computer system is stored, is predicted to contain a record having the unique user identifier. Then, the method may include searching, when the data partition is predicted to contain a record having the unique user identifier, data records stored in the data partition for a user data record based on the unique identifier, and performing a hard deletion of the user data record from the partition when found during the searching.