公开(公告)号：US20240273535A1

公开(公告)日：2024-08-15

申请号：US18108385

申请日：2023-02-10

Applicant: Stripe Inc.

Inventor： Sen Forest Fang ,  Brendan Ryan

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

CPC classification number: G06Q20/4016 ,  G06Q20/36 ,  G06Q20/389

Abstract: Disclosed herein are systems and methods for identifying fraud in blockchain-based transactions. In one method, a server detects an interaction by a decentralized digital wallet with a first electronic transaction protocol corresponding to a blockchain; executes a computer model (previously trained based on characteristics of electronic transaction protocols corresponding to the blockchain and electronic transactions corresponding to electronic transaction protocols) to determine a risk score; and in response to determining that the risk score for the requested electronic transaction is above a threshold level, causing at least one graphical element of a GUI associated with the decentralized digital wallet to provide an indication of a risk associated with the requested electronic transaction.

公开(公告)号：US20240273524A1

公开(公告)日：2024-08-15

申请号：US18108379

申请日：2023-02-10

Applicant: Stripe Inc.

Inventor： Sen Forest Fang ,  Brendan Ryan

IPC: G06Q20/38 ,  G06Q20/36

CPC classification number: G06Q20/389 ,  G06Q20/367

Abstract: Disclosed herein are systems and methods for generating and managing subscription using electronic transaction protocols in a blockchain-based system. In an embodiment, a system monitors one or more electronic transaction protocols deployed on a blockchain; detects an interaction by a decentralized wallet with a user interface element corresponding to a first electronic transaction protocol of the one or more electronic transaction protocols deployed on the blockchain; identifies one or more parameters of the subscription based on one or more inputs provided via the decentralized wallet, wherein the one or more parameters includes a time period of the subscription and a payment interval; and causes a first service provider to create or modify the subscription associated with a user of the decentralized wallet, wherein the causing further includes creating or modifying the subscription based on the one or more parameters.

公开(公告)号：US12056716B2

公开(公告)日：2024-08-06

申请号：US17714907

申请日：2022-04-06

Applicant: Stripe, Inc.

Inventor： Abishek Ravi

IPC: G06Q30/00 ,  G06F9/451 ,  G06Q30/018

CPC classification number: G06Q30/018 ,  G06F9/451

Abstract: A method and apparatus for leveraging a distributed services system for surfacing insights for a user are described. The method may include accessing, by a computer processing system, service system data generated for a user by services of a distributed service system, the service system data including one or more values associated with one or more corresponding common entities in a data store of disambiguated service system data. The method may also include inputting the one or more values associated with the one or more corresponding common entities generated for the user into a trained machine learning model (MLM), the machine learning model trained to detect an effect of the one or more values associated with the one or more corresponding common entities on a set of metrics of interest. Furthermore, the method may include detecting, by the MLM, when there is an anomaly in a metric of interest in the set of metrics of interest.

公开(公告)号：US20240211951A1

公开(公告)日：2024-06-27

申请号：US18086393

申请日：2022-12-21

Applicant: Stripe, Inc.

Inventor： Massoud Hosseinali ,  Florian Hartl ,  Efstathios Vafeias ,  Keagan Long ,  Stef Nelson-Lindall ,  Dan Brown

IPC: G06Q20/40 ,  G06N20/20

CPC classification number: G06Q20/4016 ,  G06N20/20

Abstract: A method and apparatus for detecting fraudulent merchant activities at a commerce platform system are described. The method may include accessing a first set of merchant system data and encoding the first set of merchant data into a set of structure data input signals. The method may also include accessing a set of time based data associated a set of sequential operation performed at the commerce platform system in response to the merchant system transaction being processed, and encoding the set of time based data into a set of unstructured time-based data input signals. The method may also include inputting the sets of inputs into different machine learning models to generate different machine learning model scores predictive of merchant fraud. The method may further include generating a single merchant fraud score, and in response to detecting that the single merchant fraud score satisfies a fraud detection threshold, initiating one or more remediative actions against the merchant system transaction, the merchant system, or a combination thereof.

公开(公告)号：US20240201975A1

公开(公告)日：2024-06-20

申请号：US18083117

申请日：2022-12-16

Applicant: Stripe, Inc.

Inventor： Rustem Muslimov ,  Mark Fielbig ,  Jack DeLoach ,  Shanshan Chen ,  Atul Bhatia ,  Vinay Padma

IPC: G06F8/65

CPC classification number: G06F8/65

Abstract: The present disclosure is directed to handling deployment of assets (e.g., applications) to devices (e.g., card readers, payment terminals, etc.), substantially as shown in and/or described in connection with at least one of the figures, as set forth more completely in the claims.

公开(公告)号：US20240177163A1

公开(公告)日：2024-05-30

申请号：US18072294

申请日：2022-11-30

Applicant: Stripe, Inc.

Inventor： Fanyun FANG ,  Aakash SAHNEY ,  Christopher Jeffery STREETER ,  Kevin Chekin HO ,  David LAKATA

IPC: G06Q20/40 ,  G06Q30/06

CPC classification number: G06Q20/4016 ,  G06Q30/06

Abstract: A method and apparatus for processing a transaction request associated with a merchant platform system may include: receiving, at a commerce platform system, the transaction request; determining a plurality of account traits associated with the merchant platform system; detecting a first account trait from the plurality of account traits associated with the merchant platform system; in response to determining that the first account trait of the plurality of account traits comprises a first value, processing the transaction request to generate an approval status for the transaction request based on a risk value determined by the commerce platform system with respect to the transaction request; and in response to determining that the first account trait of the plurality of account traits comprises a second value, deferring a determination of the risk value for the transaction request to the merchant platform system.

公开(公告)号：US11995065B2

公开(公告)日：2024-05-28

申请号：US17566014

申请日：2021-12-30

Applicant: STRIPE, INC.

Inventor： Xin Li ,  Hanhan Xiang ,  Yue Zhang ,  Guanglei Song ,  Mu Lin ,  Jeffrey Reiter ,  Wei Keong Mah ,  Jay Chen

IPC: G06F16/23

CPC classification number: G06F16/2365 ,  G06F16/2379

Abstract: In one aspect, a method of detecting database anomalies, includes reading historical data in a destination database at an end of a data pipeline, determining bounds including an upper bound and a lower bound based on the read historical data, reading current data for a first specified time period in the destination database, responsive to determining the upper or the lower bound is exceeded, determining database transactions that caused the exceeding, and transmitting alerts to owners of the database transactions.

公开(公告)号：US20240160685A1

公开(公告)日：2024-05-16

申请号：US17988202

申请日：2022-11-16

Applicant: Stripe, Inc.

Inventor： Miguel Jimenez Esun

IPC: G06F16/957

CPC classification number: G06F16/9577

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：US20240160569A1

公开(公告)日：2024-05-16

申请号：US17988223

申请日：2022-11-16

Applicant: Stripe, Inc.

Inventor： Miguel Jimenez Esun

IPC: G06F12/0802

CPC classification number: G06F12/0802 ,  G06F2212/60

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：US20240152924A1

公开(公告)日：2024-05-09

申请号：US17980907

申请日：2022-11-04

Applicant: STRIPE, INC.

Inventor： Arash Rai ,  Ryan Drapeau

IPC: G06Q20/40

CPC classification number: G06Q20/4016 ,  G06Q20/407 ,  G06Q20/34

Abstract: Systems and methods for smart remediation of transactions are disclosed. A payment processing system receives information of a first transaction with a merchant. The system approves the first transaction and identifies a monitoring period which may be a set amount of time after the approval of the first transaction. The system collects data of one or more second transactions during the monitoring period, and provides the data to a machine learning model. The machine learning model determines a first fraud score indicative of fraud for the first transaction. A fraud threshold may be identified based on one or more merchant profiles. If the first fraud score is above the first fraud threshold, a refund may be provided for the first transaction.