公开(公告)号：US20250125969A1

公开(公告)日：2025-04-17

申请号：US18988512

申请日：2024-12-19

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: Described herein are systems and methods for fraud detection in network operations. The method may receive a request for execution of a network operation, the request including a first identifier associated with a user device. The method may extract, using the first identifier, attributes of the network operation and user device attributes. The method may extract a second identifier previously generated for the user device. The method may execute a cryptographic protocol using the second identifier and a cryptographic key to generate a first authentication code. The method may execute a machine learning model to predict a likelihood of fraud using mismatched attributes based on determining that the first authentication code matches a second authentication code parsed from the first identifier. The method may reject the request to execute the network operation in response to determining that a prediction of likelihood of fraud fails to satisfy a security threshold.

公开(公告)号：US12248398B2

公开(公告)日：2025-03-11

申请号：US17988223

申请日：2022-11-16

Applicant: Stripe, Inc.

Inventor： Miguel Jimenez Esun

IPC: G06F12/0802 ,  G06F16/957

Abstract: In an example embodiment, a solution is provided that balances between speed of access and capabilities of an accessed file. More specifically, the concept of a service worker is introduced. The service worker has the ability to intercept requests, such as HTTP requests, for file and to modify them, if necessary. By acting as a middleman between the web browser instance and the web server, the service worker is able to elect to choose to either request versions of files in the cache or to allow the older versions of the files in the cache to remain and be used, balancing between the need for timely responses to requests for files and the need to have updated versions of the files be used. It can then modify web requests from the web browser (such as from web workers of a browser context) as needed to accomplish the aforementioned balance.

公开(公告)号：US12235924B2

公开(公告)日：2025-02-25

申请号：US17988202

申请日：2022-11-16

Applicant: Stripe, Inc.

Inventor： Miguel Jimenez Esun

IPC: G06F16/957

Abstract: In an example embodiment, a shared worker object is used in a web browser to synchronize data across tabs in the web browser, without relying upon a web server to perform or coordinate that synchronization. More particularly, each browsing context includes a web page and zero or more web worker objects, each web worker object corresponding to a different module of the web page. The zero or more web worker objects in each web page user interface are then configured to communicate with a single shared worker, through which all data requests and data changes are sent. The single shared worker forwards data requests and data changes to the web server, but also tracks such data requests and then automatically updates any browsing context that requested a particular piece of data in the past with a change that occurred to that particular piece of data.

公开(公告)号：US12222925B1

公开(公告)日：2025-02-11

申请号：US17330019

申请日：2021-05-25

Applicant: Stripe, Inc.

Inventor： Ritesh Kumar ,  Priyanka Raju

IPC: G06F16/23 ,  G06F16/951 ,  G06Q30/06

Abstract: A method and apparatus for verifying integrity of search system data is described. The method may include accessing a first and second snapshot of search system data, the search system data in each snapshot including transaction data generated by a commerce platform system in response to transactions performed by the commerce platform system. The method may also include accessing an operation log of operations performed on the transaction data during a time between when the first snapshot was generated and a time when the second snapshot was generated. Furthermore, the method may include transforming the transaction data from the first snapshot based on the operations in the operation log to generate validated transaction data in a validated second snapshot, and determining a reliability of the transaction data at the second time period based on a comparison of transaction data from the second snapshot with the validated transaction data from the validated second snapshot.

公开(公告)号：US12197950B2

公开(公告)日：2025-01-14

申请号：US18210566

申请日：2023-06-15

Applicant: Stripe, Inc.

Inventor： Andrew Johnson ,  Daniel Snitkovskiy ,  Marti Motoyama ,  Jonathan Bender

IPC: G06F9/50 ,  G06F9/455 ,  G06F9/48 ,  G06Q40/02 ,  H04L67/56 ,  G06Q20/02 ,  G06Q20/38 ,  G06Q20/40

Abstract: A method and apparatus for job submission are described. In one embodiment, the jobs are submitted by a job submission service or gateway that schedules large-scale data processing jobs on remote infrastructure. In one embodiment, the method comprises: receiving a request at a proxy service from a client, via a network communication, to submit a job to a cluster; and managing the job externally to the client, including sending a request to an orchestration system to launch an orchestration system job in a container to start the job running on the cluster via a client process run on a job client in the container and provide state information back to the proxy service regarding the orchestration system job.

公开(公告)号：US20250005543A1

公开(公告)日：2025-01-02

申请号：US18345482

申请日：2023-06-30

Applicant: Stripe, Inc.

Inventor： Guanglei SONG ,  Stephen CHEN ,  Hanhan XIANG

IPC: G06Q20/10

Abstract: A method for de-duplicating data records may include generating a nodal data structure comprising a set of nodes, in response to receiving a first set of transaction data corresponding to aggregated data associated with a first set of transactions, associating a first subset of nodes with the first set of transaction data, responsive to receiving a second set of transaction data corresponding to aggregated data associated with a second set of transactions and at least a subset of the first set of transactions, associating a second subset of nodes to the first set of transaction data, combining the first subset and the second subset, executing an analytical protocol to identify data associated with the transaction, disassociating the transaction with the first subset, and associating the data associated with the transaction identified via the analytical protocol with the first subset and the second subset.

公开(公告)号：US20240420112A1

公开(公告)日：2024-12-19

申请号：US18209747

申请日：2023-06-14

Applicant: Stripe, Inc.

Inventor： Carolyn Fanning ,  David Yang ,  Nicole DeBickes ,  Maggie White

IPC: G06Q20/32

Abstract: A method and apparatus for authentication of a user is described. A system can include a memory and a processor, where the processor identifies a trigger event corresponding to an application executed by the processor of the system. Then, in response to identification of the trigger event, the processor causes an authentication process to execute on the application, including prompting the user to provide a payment instrument information via the NFC device of the system. The processor then determines if the received payment instrument information is designated as an authentication instrument for the user, in response to receipt of the payment instrument information via the NFC device of the system, determine. Additionally, in response to a determination that the received payment instrument information is designated as the authentication instrument for the user, the processor authenticates the user.

公开(公告)号：US12169841B2

公开(公告)日：2024-12-17

申请号：US17339058

申请日：2021-06-04

Applicant: Stripe, Inc.

Inventor： Hwai Sian Tsai ,  Chi Wah Lo

IPC: G06Q20/40 ,  G06K7/06 ,  G06K7/10 ,  G06Q20/34 ,  G07F7/08

Abstract: A contactless card reader comprises a contactless card reader front-end coupled to a processor. A communications module is coupled to the processor and a set of sensors is coupled to the processor. The set of sensors determines parameters related to the location, orientation and motion of the card reader. The processor receives the parameters from the set of sensors and utilizes the parameters and scenario configuration data to evaluate a rule. The result of the evaluation of the rule results in a limitation on the operation of the card reader. The communications module is configured to intermittently receive the scenario configuration data from external sources.

公开(公告)号：US20240411758A1

公开(公告)日：2024-12-12

申请号：US18208002

申请日：2023-06-09

Applicant: STRIPE, INC.

Inventor： Xin Li ,  Sreekanth Pothula

IPC: G06F16/2453 ,  G06F16/242

Abstract: Aspects of the present disclosure relate to systems and methods for generating processes or bots for automatically processing accounting data. Some aspects of embodiments relate to defining templates specifying actions to be performed on a periodic basis (e.g., hourly, daily, weekly, or monthly). In some embodiments, the templates further include template queries for querying data stores or other data sources (e.g., data streams). The templates may be registered for scheduled execution, instantiating the templates with runtime parameters for execution, where executing the instantiated templates includes collecting and processing data collected from source data stores to generate output data. Some aspects relate to temporarily storing output data generated by executing the instantiated templates and requesting manual approval of the output data before the data is written to an output data store or sink data store. In some circumstances, the output data store may store a general ledger of a business.

公开(公告)号：US12136115B2

公开(公告)日：2024-11-05

申请号：US18205978

申请日：2023-06-05

Applicant: Stripe, Inc.

Inventor： Matthew Basta ,  Ryan Orbuch

IPC: G06Q30/0601 ,  G06F3/0481 ,  G06F3/0482 ,  G06F9/451 ,  G06F16/23 ,  G06F40/174

Abstract: A method and apparatus for generating one or more user interfaces are described. The method includes transmitting a request for creating a merchant account that onboards the merchant for use of services provided by the commerce platform system. The method includes 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, where the merchant context stores a local copy of merchant account data for the merchant account. Furthermore, the method includes 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 that is required to comply with a minimum set of account information.