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公开(公告)号：US11710159B2
公开(公告)日：2023-07-25
申请号：US17834685
申请日：2022-06-07
Applicant: Stripe, Inc.
Inventor： Matthew Basta , Ryan Orbuch
IPC: G06Q30/0601 , G06F40/174 , G06F9/451 , G06F16/23 , G06F3/0481 , G06F3/0482
CPC classification number: G06Q30/0601 , G06F3/0481 , G06F3/0482 , G06F9/451 , G06F16/2379 , G06F40/174
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.
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公开(公告)号：US11710134B2
公开(公告)日：2023-07-25
申请号：US17729073
申请日：2022-04-26
Applicant: Stripe, Inc.
Inventor： Hwai Sian Tsai , Chi Wah Lo
CPC classification number: G06Q20/409 , G06K7/06 , G06K7/10009 , G06K7/10405 , G06Q20/34 , G06Q20/352 , G07F7/0893
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.
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公开(公告)号：US11709659B1
公开(公告)日：2023-07-25
申请号：US17211463
申请日：2021-03-24
Applicant: Stripe, Inc.
Inventor： William Alexander Rattray
Abstract: Systems and methods for code generation are described. The method may include accessing an application programming interface (API) specification written in a first computer programming language. The method may also include processing the API specification in the first computer programming language with a code generation tool. Furthermore, the method may include generating, from the API specification, code in each of a plurality of different computer programming languages different from the first computer programming language and different from each other.
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公开(公告)号：US11694211B2
公开(公告)日：2023-07-04
申请号：US17360113
申请日：2021-06-28
Applicant: STRIPE, INC.
Inventor： Ji Huang , Tushar Dhoot
IPC: G06Q30/00 , G06Q30/016 , H04L67/025
CPC classification number: G06Q30/016 , H04L67/025
Abstract: A method and apparatus for deleting resources are described. In one embodiment, the method comprises: detecting, by a network commerce system, a deletion request in a first message sent over a network as an electronic communication to delete a first resource; identifying one or more additional resources that have a hierarchical relationship to the first resource, including identifying one or more child resources related the first resource, the one or more child resources being in a parent-child relationship with the first resource as the parent; causing a module of the network commerce system to perform a delete action with respect to the first resource, where the delete action deletes the first resource and causes the one or more child resources to be deleted in the future and to appear deleted when receiving access requests prior to deletion of the one or more child resources; detecting, by the network commerce system, an access request in a second message sent over the network as an electronic communication to access one child resource of the one or more child resources after deletion of the first resource but prior to deletion of the one child resource; determining, in response to the access request, if the first resource has been deleted; and denying access to the one child resource if the first resource is determined to have been deleted.
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公开(公告)号：US11663573B2
公开(公告)日：2023-05-30
申请号：US17554727
申请日：2021-12-17
Applicant: Stripe, Inc.
Inventor： Jonathan Wall , Devesh Senapati , Nate Barnett
CPC classification number: G06Q20/206 , G06Q20/202 , G06Q20/204 , G07G1/0045 , G07G1/01 , G07G1/14
Abstract: A method and apparatus for reader device registration, activation, and use are described. The method may include receiving, by a commerce platform, a registration request generated by a reader device, wherein the registration request comprises at least identification data for the reader device. The method may also include transmitting, to the reader device, a registration code. The method may also include receiving, by the commerce platform from a merchant system, a second registration code purported to be the registration code transmitted to the reader device. The method may also include generating an encryption key associated with the reader device and transmitting the encryption key to the merchant system, wherein the encryption key is provided by merchant system to the reader device for use by the reader device when communicating with the commerce platform during merchant transactions.
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Patent Agency Ranking
公开(公告)号：US20230114105A1
公开(公告)日：2023-04-13
申请号：US17489062
申请日：2021-09-29
Applicant: Stripe, Inc.
Inventor： Peter Wang , Alexander Thiemann , Adam Eagle , Hongshan Zhou , Ji Huang
Abstract: A method comprises: setting an first entry and an second entry in a database; receiving a first online transaction; responsive to determining a lock of the database is in progress, suspending the first online transaction; updating the first entry; removing the lock; receiving a second online transaction; responsive to determining that the first field is greater than zero, decrementing the first field by an amount indicated in the second online transaction; and responsive to determining the second entry is greater than zero, decrementing the second entry.
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公开(公告)号：US11620652B1
公开(公告)日：2023-04-04
申请号：US17119069
申请日：2020-12-11
Applicant: Stripe, Inc.
Inventor： Michael Manapat , Isaac Hepworth , Tara Seshan , Mike Towber
IPC: G06Q20/40 , G06Q10/067 , G06F3/0482 , G06F3/0488 , G06F3/04847
Abstract: Systems, methods, and apparatuses for implementing user customizable risk management tools with statistical modeling and a recommendation engine within a computing environment are provided. A system may include, for example, means for evaluating the performance of a user rule for fraud prevention, in which the system receives a plurality of purchase transactions for the user; analyzes each purchase transaction received to generate a fraud likelihood score; receives the rule that specifies conditions when the system is to accept or reject transactions regardless of the fraud likelihood score generated by the system; transmits a historical analysis to the user based on the received rule; receives an input from the user to activate the rule; monitors performance of the rule; and transmits a recommendation to the user to retain or cancel the activated rule based on the monitored performance. Other related embodiments are disclosed.
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公开(公告)号：US20230073485A1
公开(公告)日：2023-03-09
申请号：US17986297
申请日：2022-11-14
Applicant: Stripe, Inc.
Inventor： Michael David DAHN , Eduardo Serrano
Abstract: In an example embodiment, a method for push payment decision routing in relation to a transaction is provided. An example method comprises issuing a virtual payment identifier to a mobile device and receiving payment rules from a mobile device. The user-defined rules include parameters for invoking at least one push payment to be made via the virtual payment identifier for the transaction. Instructions to implement or pay for the transaction as a pull payment are received and, based on the rules, the transaction is completed or paid for a push payment.
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公开(公告)号：US20230046185A1
公开(公告)日：2023-02-16
申请号：US17975316
申请日：2022-10-27
Applicant: Stripe, Inc.
Inventor： Pranav Dandekar , Peter Lofgren , Ashish Goel
Abstract: Described herein are systems and methods for predicting a metric value for an entity associated with a query node in a graph that represents a network. In embodiments, using a user's profile as the query node, a metric about that user may be estimated based, at least in part, as a function of how well connected the query node is to a whitelist of “good” users/nodes in the network, a blacklist of “bad” users/nodes in the network, or both. In embodiments, one or more nodes or edges may be weighted when determining a final score for the query node. In embodiments, the final score regarding the metric may be used to take one or more actions relative to the query node, including accepting it into a network, allowing or rejecting a transaction, assigning a classification to the node, using the final score to compute another estimate for a node, etc.
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公开(公告)号：US11574316B1
公开(公告)日：2023-02-07
申请号：US16791876
申请日：2020-02-14
Applicant: Stripe, Inc.
Inventor： Andrew G. Hoskins , Jay Shah , Matthew William Janiga , Peter Cronin Terrill
IPC: G06Q20/02 , G06Q30/018 , G06Q30/0601 , G06F9/54 , H04L67/306 , G06F16/2455
Abstract: A method and apparatus for managing capabilities of an account of a user system at a commerce platform are described. The method may include receiving, at the commerce platform, a request from a user system that identifies an account at the commerce platform and includes a capability requested for the account, where the requested capability corresponds to a desired functionality of the account. The method may also include mapping the requested capability to a compliance plan that defines a set of account data to be collected before activation of the capability for the account by the commerce platform. Furthermore, the method may include transmitting a message, generated by the commerce platform, that comprises a listing of additional data to be provided by the user system before activation of the capability for the account, where the additional data comprises a minimal set of account data defined by the compliance plan less any data already associated with the account at the commerce platform. The method may also include, in response to receiving, by the commerce platform, at least one response from the user system that includes the additional data, activating the capability for the account.
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