公开(公告)号：US09830596B2

公开(公告)日：2017-11-28

申请号：US13664808

申请日：2012-10-31

Applicant: Stripe, Inc.

Inventor： Patrick Collison ,  John B. Collison ,  Greg D. Brockman ,  Saikat Chakrabarti ,  Ross A. Boucher

IPC: G06Q20/38 ,  G06Q20/40

CPC classification number: G06Q20/3829 ,  G06Q20/102 ,  G06Q20/38215 ,  G06Q20/385 ,  G06Q20/4097

Abstract: A transaction is conducted between a merchant site and a customer's electronic device using a payment processor. The merchant site is associated with a client-side application and a server-side application. The client-side application executes on the customer's electronic device. The client-side application electronically sends payment information retrieved from the customer's electronic device to the payment processor. The client-side application does not send the payment information to the server-side application. The payment processor creates a token from the payment information sent by the client-side application. The token functions as a proxy for the payment information. The payment processor electronically sends the token to the client-side application. The client-side application electronically sends the token to the server-side application for use by the server-side application in conducting the transaction. The payment information can thus be used by the server-side application via the token without the server-side application being exposed to the payment information.

公开(公告)号：US20130117185A1

公开(公告)日：2013-05-09

申请号：US13664808

申请日：2012-10-31

Applicant: Stripe, Inc.

Inventor： Patrick COLLISON ,  John B. COLLISON ,  Greg D. BROCKMAN ,  Saikat CHAKRABARTI ,  Ross A. BOUCHER

IPC: G06Q20/38

CPC classification number: G06Q20/3829 ,  G06Q20/102 ,  G06Q20/38215 ,  G06Q20/385 ,  G06Q20/4097

Abstract: A transaction is conducted between a merchant site and a customer's electronic device using a payment processor. The merchant site is associated with a client-side application and a server-side application. The client-side application executes on the customer's electronic device. The client-side application electronically sends payment information retrieved from the customer's electronic device to the payment processor. The client-side application does not send the payment information to the server-side application. The payment processor creates a token from the payment information sent by the client-side application. The token functions as a proxy for the payment information. The payment processor electronically sends the token to the client-side application. The client-side application electronically sends the token to the server-side application for use by the server-side application in conducting the transaction. The payment information can thus be used by the server-side application via the token without the server-side application being exposed to the payment information.

Abstract translation: 使用支付处理器在商家站点和客户的电子设备之间进行交易。 商家站点与客户端应用程序和服务器端应用程序相关联。 客户端应用程序在客户的电子设备上执行。 客户端应用程序将从客户的电子设备检索的支付信息电子地发送到支付处理器。 客户端应用程序不会将支付信息发送到服务器端应用程序。 支付处理器从由客户端应用发送的支付信息创建令牌。 该令牌作为付款信息的代理。 支付处理器电子地将令牌发送到客户端应用程序。 客户端应用程序将令牌电子地发送到服务器端应用程序，供服务器端应用程序进行交易。 因此，服务器端应用程序可以通过令牌使用支付信息，而不会使服务器端应用程序暴露于支付信息。

公开(公告)号：US12282418B2

公开(公告)日：2025-04-22

申请号：US18384507

申请日：2023-10-27

Applicant: Stripe, Inc.

Inventor： Steven Edouard ,  Andrew Qin ,  Erin Kavanaugh ,  Karolis Kosas

IPC: G06F11/36 ,  G06F3/0482 ,  G06F9/54 ,  G06F11/3668 ,  G06Q20/10 ,  G06Q20/34 ,  G06Q30/018 ,  H04L9/40 ,  H04L67/306

Abstract: A method and apparatus for providing a document-integrated software integration validation by a service provider system are described. The method includes detecting an application program interface (API) call generated by a user system in a test transaction, the API call comprising a test identifier (ID) and a user system ID, the test ID identifying an API integration test scenario and the user system ID identifying the user system. The method also includes tracking a sequence of API calls and responses. Furthermore, the method includes receiving login credentials from the user system. The method also includes verifying the received login credentials with previously established login credentials associated with the user system ID. Additionally, the method includes determining whether the sequence of API calls and responses is performed correctly for the test transaction and serving the interactive integration guide to the user system indicating a result for the API integration test scenario.

公开(公告)号：US20250117802A1

公开(公告)日：2025-04-10

申请号：US18986445

申请日：2024-12-18

Applicant: Stripe, Inc.

Inventor： Ryan Drapeau ,  Feiyi Ouyang ,  Mathieu Hofman

IPC: G06Q20/40 ,  G06F16/955 ,  G06F40/205

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：US12265521B1

公开(公告)日：2025-04-01

申请号：US18523323

申请日：2023-11-29

Applicant: Stripe, Inc.

Inventor： Hung Fuk Lee ,  Brooke Bane-Herzog ,  Jacob Meltzer ,  Ross Kravitz

IPC: G06F16/00 ,  G06F16/23 ,  G06F16/901

Abstract: Described herein are systems and methods to use modeling techniques to identify gradual changes in various metrics identified as a result of analyzing an aggregated transaction dataset. In one method, a computer model dynamically slice the data using an attribute, calculates an entropy value for using a rolling time window, and uses the entropy value to identify anomalous behavior. The model may use information gain to determine whether to further segmented the data slice into smaller data slices. The model may iteratively slice and analyze the data until a data slice corresponding to the root cause is determined. The model may then traverse the hierarchy of data slices and combine the data slices until an optimized combined data slice. The model may train a machine learning component, such as a booted tree algorithm, to optimize its traversal of the hierarchy of data slices.

公开(公告)号：US12242465B2

公开(公告)日：2025-03-04

申请号：US18214205

申请日：2023-06-26

Applicant: Stripe, Inc.

Inventor： Hemal Shah ,  Shashi Madappa ,  Karan Vohra

IPC: G06F15/16 ,  G06F16/21 ,  G06F16/23 ,  G06F16/27

Abstract: A method and apparatus for updating data router nodes in a distributed storage system are described. The method can include querying, by a first database agent of a database node, a cache data store for health status metrics of the cache data store. The method can also include storing, by the first database agent of the database node, the health status metrics in a data repository. Furthermore, the method can include obtaining, by a second database agent of a router node, the health status metrics from the data repository, and updating, by the second database agent of the router node, a database topology file based on the health status metrics.

公开(公告)号：US12235918B2

公开(公告)日：2025-02-25

申请号：US16706080

申请日：2019-12-06

Applicant: Stripe, Inc.

Inventor： Steven L. Petersen ,  Scott Curtis ,  Kenneth Jennings

IPC: G06F16/9536 ,  G06F16/9537 ,  G06F16/9538

Abstract: Systems and methods are provided for filtering and/or creating Points-of-Interest (POIs). In one embodiment, a list of POIs is obtained and then filtered based on crowd data related to the list of POIs to provide a filtered list of POIs. In another embodiment, one or more crowd-sourced POIs are created based on one or more crowds relevant to a corresponding bounding region for POI creation.

公开(公告)号：US12222839B2

公开(公告)日：2025-02-11

申请号：US17873833

申请日：2022-07-26

Applicant: Stripe, Inc.

Inventor： Sydney Zheng ,  Soam Vasani

IPC: G06F9/44 ,  G06F9/445 ,  G06F9/455 ,  G06F11/36 ,  G06N20/00

Abstract: In an example embodiment, interactions among services in a service proxy are recorded in an interaction log. A service graph manager then parses the interaction log. The service graph manager reads each interaction and then processes the interaction to determine if it violates the rules. If so, the service graph manager reports the violation to the software developer and also recommends an action to remedy the violation. In an example embodiment, this recommendation takes the form of an indication of which files to modify to allow the service interaction (e.g., which rule(s) to modify to ensure that the service interaction is not a violation). The software developer can then approve the proposed action, which can then be automatically implemented to ensure that once the service is sent to a quality assurance environment there will be no rules violation from the corresponding interaction(s).

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

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

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.

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.