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

IPC: G06Q20/40 ,  G06Q20/34 ,  G06Q30/06 ,  G06Q20/20

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.

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：US11544797B1

公开(公告)日：2023-01-03

申请号：US16988393

申请日：2020-08-07

Applicant: Stripe, Inc.

Inventor： Jonah Cohen

IPC: G06Q40/00 ,  G06F16/23 ,  G06Q10/10

Abstract: A method and apparatus for generating and using immutable records generated from transaction records maintained at a cloud storage system for transaction ledger generation are described. The method may include accessing transaction records in a transaction record data store maintained by a cloud services provider system, where each transaction record generated by the commerce platform in response to the commerce platform processing a transaction. The method further includes accessing a plurality of revenue records, each having a unique key. The method may also include generating a plurality of candidate ledger entries, each candidate ledger entry comprises at least a subset of the plurality of data fields from the revenue record data object, and determining whether a revenue record matches a candidate ledger entry based on a comparison of the unique key. Furthermore, when the comparison results in a match, a final ledger entry is generated from the candidate ledger entry for a period of time in which the revenue record was generated.

公开(公告)号：US11526866B1

公开(公告)日：2022-12-13

申请号：US17068186

申请日：2020-10-12

Applicant: Stripe, Inc.

Inventor： William O. White

IPC: G06Q20/32 ,  G06Q20/20 ,  G06Q20/38 ,  G06Q20/36 ,  G06Q20/40

Abstract: Systems, methods, and devices are disclosed which allow a mobile device user to complete financial transactions even when the mobile device is not connected to a wireless network. The systems, methods, and devices of the present disclosure may utilize a combination of an encrypted lockbox containing out of network payment codes on the mobile device and a matching set of out of network payment codes stored on a server of a payment authority.

公开(公告)号：US20220309480A1

公开(公告)日：2022-09-29

申请号：US17216316

申请日：2021-03-29

Applicant: Stripe, Inc.

Inventor： Adrienne Dreyfus ,  Karolis Kosas ,  Jillian Wells

IPC: G06Q20/12 ,  G06Q20/10 ,  G06F8/34 ,  G06F3/0485

Abstract: A method comprises: displaying a first code snippet from a first code in a first panel; displaying an annotation related to the first code snippet in a second panel; receiving a code customization request; customizing the first code snippet in response to the request; displaying a preview of executing the code having the customized first code snippet in a preview window; inserting and running the code having the customized first code snippet in an application; and completing a transaction with the application running the first code with the customized first code snippet.

公开(公告)号：US20220301027A1

公开(公告)日：2022-09-22

申请号：US17834685

申请日：2022-06-07

Applicant: Stripe, Inc.

Inventor： Matthew Basta ,  Ryan Orbuch

IPC: G06Q30/06 ,  G06F40/174 ,  G06F9/451 ,  G06F16/23 ,  G06F3/0481 ,  G06F3/0482

Abstract: A method and apparatus for generating one or more user interfaces for onboarding a merchant for use of services of a commerce platform system are described. The method may include transmitting, from a merchant system to a commerce platform system, a request for creating a merchant account that onboards the merchant for use of services provided by the commerce platform system. The method may also include in response to executing an onboarding user interface received from the commerce platform, establishing a merchant context for the merchant account in a memory of the merchant system, wherein the merchant context stores a local copy of merchant account data for the merchant account. Furthermore, the method may include determining, based on data stored in the merchant context, a composition that renders one of a plurality of different user interfaces for collecting a set of the merchant account data associated with the composition, and determining a subset of merchant account data from the set that is required to comply with a minimum set of account information that will enable the commerce platforms system to perform the services for the merchant.

公开(公告)号：US11423456B1

公开(公告)日：2022-08-23

申请号：US17120844

申请日：2020-12-14

Applicant: Stripe, Inc.

Inventor： Siddarth Chandrasekaran ,  John Brochan Collison ,  Cristina Joelle Cordova ,  James William Danz ,  Stanislas Vincent Francois Polu ,  Devesh Senapati

IPC: G06Q30/00 ,  G06Q30/06 ,  G06Q20/02 ,  G06Q20/12

Abstract: In embodiments, methods and systems for order management and processing based on a distributed commerce platform are provided. A distributed commerce platform supports end-to-end integrated product publication, order-management and payment services. In particular, the distributed commerce platform supports components based on Application Programming Interfaces (API) that standardize the implementation of a distributed commerce solution or configuration of off-site buying experiences. Using the distributed commerce platform, merchants can concurrently offer, sell, and process orders for products through a plurality of different affiliate channels. The distributed commerce platform can also be implemented as a federated portal from which a merchant can identify affiliate channels to publish product objects, access the plurality of affiliate channels and define configurations for processing objects of the merchant's distributed commerce solution. The configurations can be accessed during a purchase flow such that orders from a channel are processed based on the specific attributes identified in the configurations.

公开(公告)号：US20220215447A1

公开(公告)日：2022-07-07

申请号：US17143891

申请日：2021-01-07

Applicant: STRIPE, INC.

Inventor： David Laprade ,  Jamie Kite ,  Piyush Poddar

IPC: G06Q30/04 ,  G06Q20/08 ,  G06Q40/00 ,  G06F16/248 ,  G06F16/215 ,  G06F16/22

Abstract: Methods and apparatuses for invoice numbering are disclosed. In one embodiment, the method comprises A method for electronically generating invoices for a party with invoice numbers where there are no gaps between invoice numbers nor duplicate invoice numbers, the method comprising: receiving, at a database, a first request to prepare an invoice for the party; preparing the invoice, including calling a command to assign an invoice number to the invoice; acquiring a limited-time lock to cause any other requests to the database related to obtaining invoice numbers for invoices for the party to wait until the invoice number has been assigned and persisting the invoice to the database has completed; assigning the invoice number for the invoice after confirming a highest invoice number already stored in the database, where the invoice number is assigned the number that is next sequentially to the highest invoice number; after assigning a number to the invoice, then persisting the invoice with the assigned invoice number to the database; and releasing the lock in response to completely persisting the invoice with the assigned invoice number to the database.

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.

公开(公告)号：US11361284B1

公开(公告)日：2022-06-14

申请号：US16428650

申请日：2019-05-31

Applicant: Stripe, Inc.

Inventor： Timothy Thairu ,  Lachlan Groom

IPC: G06Q20/40 ,  G06Q20/02

Abstract: A payment processing method and apparatus for using an intermediary platform are described. In one embodiment, the method comprises electronically receiving approval from an intermediary platform associated with a payment processor user of a first authorization request for a first transaction; electronically receiving for approval, at the payment processing system, a second authorization request for a second transaction from a merchant using a payment instrument used by an agent of the service provider; and settling transactions associated with the service provider, including clearing a batch of records corresponding to the service provider on a predetermined time basis by comparing, with a tracking engine of the payment processing system, transaction tracking information associated with authorization requests to net out individual transactions.