公开(公告)号：US20230057406A1

公开(公告)日：2023-02-23

申请号：US17978884

申请日：2022-11-01

Applicant: Stripe, Inc

Inventor： Tara SESHAN ,  Clinton Carjoel Blackburn ,  Victoria Martinez

IPC: G06Q30/04 ,  G06Q20/38 ,  G06Q40/02 ,  G06N5/04 ,  G06Q10/10 ,  G06N20/00 ,  G06Q20/04

Abstract: In an example embodiment, a payment processor automatically generates a virtual account number that can be used by customers to perform push payments, such as ACH, wire transfer, and direct deposits. This virtual account number may be surfaced to customers via invoices sent by service or product providers. The payment processor is then able to automatically match the payment sent to the virtual account number and the amount owed on the invoice.

公开(公告)号：US11587093B2

公开(公告)日：2023-02-21

申请号：US16794844

申请日：2020-02-19

Applicant: Stripe, Inc.

Inventor： Tara Seshan ,  Adam Eagle

IPC: G06Q20/42 ,  G06F11/14 ,  G06N20/00

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.

公开(公告)号：US11587082B1

公开(公告)日：2023-02-21

申请号：US16677364

申请日：2019-11-07

Applicant: Stripe, Inc.

Inventor： Girish Balasubramanian

IPC: G06Q20/10 ,  G06Q20/40 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q20/02 ,  G06Q30/06 ,  G06Q20/20 ,  G06Q20/12

Abstract: A method and apparatus for reconciling electronic transactions facilitated by a commerce platform are described. The method may include receiving, the commerce platform, requests from a merchant system to authorize a plurality of financial transactions. The method may also include transmitting an authorization to the merchant system authorizing the merchant system to perform the financial transaction. The authorization may include a unique transaction identification (ID) corresponding to the request. The method may also include receiving from the merchant system, for each transaction ID, an order number associated with the transaction ID. The method may also include generating a settlement file comprising the transaction IDs. Each transaction ID may be arranged in an order in the settlement file according to its associated order number. The method may also include transmitting the settlement file to the merchant device.

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.