公开(公告)号：US11694211B2

公开(公告)日：2023-07-04

申请号：US17360113

申请日：2021-06-28

Applicant: STRIPE, INC.

Inventor： Ji Huang ,  Tushar Dhoot

IPC: G06Q30/00 ,  G06Q30/016 ,  H04L67/025

CPC classification number: G06Q30/016 ,  H04L67/025

Abstract: A method and apparatus for deleting resources are described. In one embodiment, the method comprises: detecting, by a network commerce system, a deletion request in a first message sent over a network as an electronic communication to delete a first resource; identifying one or more additional resources that have a hierarchical relationship to the first resource, including identifying one or more child resources related the first resource, the one or more child resources being in a parent-child relationship with the first resource as the parent; causing a module of the network commerce system to perform a delete action with respect to the first resource, where the delete action deletes the first resource and causes the one or more child resources to be deleted in the future and to appear deleted when receiving access requests prior to deletion of the one or more child resources; detecting, by the network commerce system, an access request in a second message sent over the network as an electronic communication to access one child resource of the one or more child resources after deletion of the first resource but prior to deletion of the one child resource; determining, in response to the access request, if the first resource has been deleted; and denying access to the one child resource if the first resource is determined to have been deleted.

公开(公告)号：US11663573B2

公开(公告)日：2023-05-30

申请号：US17554727

申请日：2021-12-17

Applicant: Stripe, Inc.

Inventor： Jonathan Wall ,  Devesh Senapati ,  Nate Barnett

IPC: G06Q20/20 ,  G07G1/00 ,  G07G1/14 ,  G07G1/01

CPC classification number: G06Q20/206 ,  G06Q20/202 ,  G06Q20/204 ,  G07G1/0045 ,  G07G1/01 ,  G07G1/14

Abstract: A method and apparatus for reader device registration, activation, and use are described. The method may include receiving, by a commerce platform, a registration request generated by a reader device, wherein the registration request comprises at least identification data for the reader device. The method may also include transmitting, to the reader device, a registration code. The method may also include receiving, by the commerce platform from a merchant system, a second registration code purported to be the registration code transmitted to the reader device. The method may also include generating an encryption key associated with the reader device and transmitting the encryption key to the merchant system, wherein the encryption key is provided by merchant system to the reader device for use by the reader device when communicating with the commerce platform during merchant transactions.

公开(公告)号：US20230114105A1

公开(公告)日：2023-04-13

申请号：US17489062

申请日：2021-09-29

Applicant: Stripe, Inc.

Inventor： Peter Wang ,  Alexander Thiemann ,  Adam Eagle ,  Hongshan Zhou ,  Ji Huang

IPC: G06F16/23 ,  G06Q10/08

Abstract: A method comprises: setting an first entry and an second entry in a database; receiving a first online transaction; responsive to determining a lock of the database is in progress, suspending the first online transaction; updating the first entry; removing the lock; receiving a second online transaction; responsive to determining that the first field is greater than zero, decrementing the first field by an amount indicated in the second online transaction; and responsive to determining the second entry is greater than zero, decrementing the second entry.

公开(公告)号：US11620652B1

公开(公告)日：2023-04-04

申请号：US17119069

申请日：2020-12-11

Applicant: Stripe, Inc.

Inventor： Michael Manapat ,  Isaac Hepworth ,  Tara Seshan ,  Mike Towber

IPC: G06Q20/40 ,  G06Q10/067 ,  G06F3/0482 ,  G06F3/0488 ,  G06F3/04847

Abstract: Systems, methods, and apparatuses for implementing user customizable risk management tools with statistical modeling and a recommendation engine within a computing environment are provided. A system may include, for example, means for evaluating the performance of a user rule for fraud prevention, in which the system receives a plurality of purchase transactions for the user; analyzes each purchase transaction received to generate a fraud likelihood score; receives the rule that specifies conditions when the system is to accept or reject transactions regardless of the fraud likelihood score generated by the system; transmits a historical analysis to the user based on the received rule; receives an input from the user to activate the rule; monitors performance of the rule; and transmits a recommendation to the user to retain or cancel the activated rule based on the monitored performance. Other related embodiments are disclosed.

公开(公告)号：US20230073485A1

公开(公告)日：2023-03-09

申请号：US17986297

申请日：2022-11-14

Applicant: Stripe, Inc.

Inventor： Michael David DAHN ,  Eduardo Serrano

IPC: G06Q20/32 ,  G06Q20/40 ,  H04L67/55

Abstract: In an example embodiment, a method for push payment decision routing in relation to a transaction is provided. An example method comprises issuing a virtual payment identifier to a mobile device and receiving payment rules from a mobile device. The user-defined rules include parameters for invoking at least one push payment to be made via the virtual payment identifier for the transaction. Instructions to implement or pay for the transaction as a pull payment are received and, based on the rules, the transaction is completed or paid for a push payment.

公开(公告)号：US20230046185A1

公开(公告)日：2023-02-16

申请号：US17975316

申请日：2022-10-27

Applicant: Stripe, Inc.

Inventor： Pranav Dandekar ,  Peter Lofgren ,  Ashish Goel

IPC: H04L9/40 ,  G06F21/50

Abstract: Described herein are systems and methods for predicting a metric value for an entity associated with a query node in a graph that represents a network. In embodiments, using a user's profile as the query node, a metric about that user may be estimated based, at least in part, as a function of how well connected the query node is to a whitelist of “good” users/nodes in the network, a blacklist of “bad” users/nodes in the network, or both. In embodiments, one or more nodes or edges may be weighted when determining a final score for the query node. In embodiments, the final score regarding the metric may be used to take one or more actions relative to the query node, including accepting it into a network, allowing or rejecting a transaction, assigning a classification to the node, using the final score to compute another estimate for a node, etc.

公开(公告)号：US11574316B1

公开(公告)日：2023-02-07

申请号：US16791876

申请日：2020-02-14

Applicant: Stripe, Inc.

Inventor： Andrew G. Hoskins ,  Jay Shah ,  Matthew William Janiga ,  Peter Cronin Terrill

IPC: G06Q20/02 ,  G06Q30/018 ,  G06Q30/0601 ,  G06F9/54 ,  H04L67/306 ,  G06F16/2455

Abstract: A method and apparatus for managing capabilities of an account of a user system at a commerce platform are described. The method may include receiving, at the commerce platform, a request from a user system that identifies an account at the commerce platform and includes a capability requested for the account, where the requested capability corresponds to a desired functionality of the account. The method may also include mapping the requested capability to a compliance plan that defines a set of account data to be collected before activation of the capability for the account by the commerce platform. Furthermore, the method may include transmitting a message, generated by the commerce platform, that comprises a listing of additional data to be provided by the user system before activation of the capability for the account, where the additional data comprises a minimal set of account data defined by the compliance plan less any data already associated with the account at the commerce platform. The method may also include, in response to receiving, by the commerce platform, at least one response from the user system that includes the additional data, activating the capability for the account.

公开(公告)号：US11551211B1

公开(公告)日：2023-01-10

申请号：US15865146

申请日：2018-01-08

Applicant: Stripe, Inc.

Inventor： Robin B. Hutchison ,  Robert J. Llewellyn ,  Andre F. Viljoen ,  David Griffiths, Jr. ,  David Birch ,  Iain M. Begg

IPC: G06Q20/38 ,  G06Q20/02 ,  G06Q30/06 ,  G06Q40/02 ,  G06Q20/08 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/24 ,  G06Q20/36 ,  G06Q20/40 ,  G06Q30/00 ,  G06Q30/04

Abstract: A virtual payment system for paying for goods, services and content ordered over an internetwork is disclosed. The virtual payment system includes a commerce gateway. Buyers and sellers becomes registered participants by applying for virtual payment buyer and seller accounts. Once an account is established with the commerce gateway, a digital certificate is stored on the registered participant's computer. A buyer can then order a product, i.e., goods, services or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies the commerce gateway, which applies the charges to the buyer's virtual payment account. The buyer can settle the charges using a prepaid account, a credit account, or by using reward points earned through use of the virtual payment account. A buyer may create sub-accounts.

公开(公告)号：US11550568B1

公开(公告)日：2023-01-10

申请号：US17504343

申请日：2021-10-18

Applicant: Stripe, Inc.

Inventor： Jonathan Wall

IPC: G06F8/71 ,  G06F8/65 ,  G06F8/41

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.

公开(公告)号：US20220405755A1

公开(公告)日：2022-12-22

申请号：US17850324

申请日：2022-06-27

Applicant: Stripe, Inc.

Inventor： Carl Jackson ,  Robert Ying ,  Usman Masood

IPC: G06Q20/40 ,  G06F16/23 ,  G06F16/28 ,  G06Q40/02 ,  G06Q20/10 ,  G06K7/14 ,  G06Q50/26 ,  G06K7/10 ,  G06Q50/06

Abstract: In an example embodiment, a method for updating a database with dimensional balancing comprises receiving a transaction request to transfer a portion of a first balance from the first balance to a second balance; determining a subset of the first balance less than or equal to the portion in the first balance compliant with dimensional rules based on one or more attributes of the subset and an identifier of an account holding the second balance; moving the determined subset from the first balance to the second balance; and updating attributes of the moved subset in the second balance.