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公开(公告)号：US20210390040A1
公开(公告)日：2021-12-16
申请号：US17406794
申请日：2021-08-19
Applicant: Stripe, Inc.
Inventor： Steven Edouard , Andrew Qin , Erin Kavanaugh , Karolis Kosas
Abstract: A method and apparatus for providing a document-integrated software integration validation by a service provider system are described. The method includes serving an interactive integration guide user interface to a user system that displays information for an application programming interface (API) integration test scenario. The method also includes determining correctness of API usage of a software application that performs operations integrating services of a service provider system using APIs of the service provider system, the software application developed by the user system. Furthermore, the method includes serving an updated integration guide to the user system updating the display of the interactive integration guide UI indicating each operation in the test scenario that was performed correctly and indicating each operation in the test scenario that was not performed correctly.
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公开(公告)号：US20210073822A1
公开(公告)日：2021-03-11
申请号：US17088873
申请日：2020-11-04
Applicant: Stripe, Inc.
Inventor： Michael David Dahn , Bryan Daniel Berg
Abstract: A method enables the transmission of encrypted and unencrypted data over different channels. The method includes: receiving, at a first device, unencrypted data via a first channel; causing, by the first device, generating a data entry form at a second device based on the received unencrypted data; causing, by the first device, transmitting, from the second device, the generated data entry form to a third device via a second channel, the generated data entry to be displayed within a webpage on the third device; causing, by the first device, intercepting and encrypting data entered into the generated data entry from by a user; and receiving, by the first device, via the second channel the encrypted data.
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公开(公告)号：US20200327552A1
公开(公告)日：2020-10-15
申请号：US16794844
申请日：2020-02-19
Applicant: Stripe, Inc.
Inventor： Tara Seshan , Adam Eagle
Abstract: In an example embodiment, information about one or more failed payment attempts via an electronic payment processing system is obtained. One or more features are extracted from the information. Then, for each of a plurality of potential candidate retry time points, the one or more features and the potential candidate retry time point are fed into a dunning model, the dunning model trained via a machine-learning algorithm to produce a dunning score indicative of a likelihood that a retry attempt at an input retry time point will result in a successful payment processing. The dunning scores for the plurality of potential candidate retry time points are used to select a desired retry time point. Then the electronic payment processing system is caused to attempt to reprocess a payment associated with one of the failed payment attempts at a time matching the desired retry time point.
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公开(公告)号：US20200258141A1
公开(公告)日：2020-08-13
申请号：US16274043
申请日：2019-02-12
Applicant: Stripe, Inc.
Inventor： Jeroen Antonius Egidius Habraken
IPC: G06Q30/06 , G06F16/957 , G06K9/62 , G06N20/00
Abstract: In an example embodiment, a method for processing payments made via an electronic payment processing system is provided. An example method includes obtaining training data from a data source. The training data relates to prior purchases made via the electronic payment processing system, wherein the data source includes, in some examples, only a checkout page in a purchase transaction funnel. Features associated with a negative user action in relation to prior purchases are identified. A machine learning algorithm produces a dynamic transactional behavior score indicative of a probability that a purchase will invoke a negative user action.
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公开(公告)号：US20200242492A1
公开(公告)日：2020-07-30
申请号：US16258116
申请日：2019-01-25
Applicant: Stripe, Inc.
Inventor： Ashish GOEL , Peter LOFGREN
Abstract: Embodiments herein use transfer learning paradigms to facilitate classification across entities without requiring the entities access to the other party's sensitive data. In one or more embodiments, one entity may train a model using its own data (which may include at least some non-shared data) and shares either the scores (or an intermediate representation of the scores). One or more other parties may use the scores as a feature in its own model. The scores may be considered to act as an embedding of the features but do not reveal the features. In other embodiments, parties may be used to train part of a model or participate in generating one or more nodes of a decision tree without revealing all its features. The trained models or decision trees may then be used for classifying unlabeled events or items.
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Patent Agency Ranking
216.发明申请公开(公告)号：US20200098027A1
公开(公告)日：2020-03-26
申请号：US16576400
申请日：2019-09-19
Applicant: Stripe, Inc.
Inventor： Eduardo Serrano , Jenan Wise , Yue Bu
Abstract: A system and method for a commerce platform system conducting a transaction with a customer system of a merchant system. The method may include receiving, over a communications network from the customer system, a request to purchase a product offered for sale by the merchant system, the request to purchase the product generated within a user interface presented to the customer system by the merchant system. The method may also include redirecting the customer system to a payment page served by the commerce platform system, wherein the payment page presents the product of the merchant for purchase by the customer system. Furthermore, the method may include clearing, with one or more authorization network systems, the purchase of the product from the payment page by the customer system, and redirecting the customer system back to a second user interface provided to the customer system by the merchant system.
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公开(公告)号：US10395241B2
公开(公告)日：2019-08-27
申请号：US15239736
申请日：2016-08-17
Applicant: Stripe, Inc.
Inventor： Steven Henry Noble
Abstract: Method to generate onboarding flow for application starts with on-boarding server receiving request from electronic device to activate application. On-boarding server determines whether request is initial request. Request is determined to be initial request when minimal set of information associated with user is not stored in on-boarding server. When request is determined to be initial request, on-boarding server signals to electronic device to display request for minimal set of information associated with user which includes at least one of: user identification, legal name, phone number, or email address. Minimal set of information associated with user is then received and stored in on-boarding server. On-boarding server signals to allow initial access to application. Signaling to allow initial access includes signaling that user requires access to payment processing hardware to process user's physical payment instrument. On-boarding server receives default payment information entered using payment processing hardware. Other embodiments are also described.
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218.发明申请公开(公告)号：US20180232715A1
公开(公告)日：2018-08-16
申请号：US15892290
申请日：2018-02-08
Applicant: Stripe, Inc.
Inventor： Christopher Continanza , Shreyas Surendra Doshi , Brian David Krausz , Jay Shah
CPC classification number: G06Q20/12 , G06Q20/027 , G06Q20/085 , G06Q20/227 , G06Q20/3676
Abstract: Disclosed embodiments provide systems, methods, and apparatuses for facilitating transfers between user commerce accounts associated with a merchant of a commerce platform within a computing environment supported by a processor and a memory to execute such functionality. An exemplary system may include a means for creating a merchant account platform at the payment system; creating a single charge from a customer at the merchant account platform; creating multiple transfers from the merchant account platform to different connected accounts, wherein the multiple transfers are to each transfer a sub-portion of proceeds associated with the single charge from the customer to each of the different connected accounts; performing the single charge from the customer to the merchant account platform; and performing each of the multiple transfers from the merchant account platform to the different connected accounts. Other embodiments are also disclosed.
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公开(公告)号：US09992029B1
公开(公告)日：2018-06-05
申请号：US15480057
申请日：2017-04-05
Applicant: Stripe, Inc.
Inventor： Carl Jackson , Bryan Berg , David Terrance Bartley , Evan Broder
CPC classification number: H04L9/3263 , H04L9/14 , H04L9/3247 , 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.
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220.发明授权公开(公告)号：US09940653B1
公开(公告)日：2018-04-10
申请号：US15482334
申请日：2017-04-07
Applicant: Stripe, Inc.
CPC classification number: G06Q30/0613 , G06Q20/12 , G06Q30/0601 , G06Q30/0621 , G06Q30/0627 , G06Q30/0635 , G06Q30/0641 , G06Q30/0643
Abstract: A method and apparatus for a commerce platform coordinating a purchase of a product sold by a merchant system through a third party application are described. The method may include receiving a notification at the commerce platform from the third party application that a user device executing the third party application has requested to purchase a product from within the third party application, wherein the notification comprises an identifier for the product and an identifier for the merchant system that sells the product using the commerce platform. The method may also include generating a product checkout interface by the commerce platform based on the identifier for the product and the identifier for the merchant system, and transmitting the product checkout interface to the third party application to change a user interface of the third party application to include the product checkout interface within the third party application.
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