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    SYSTEMS AND METHODS FOR IDENTITY DOCUMENT FRAUD DETECTION
    21.
    发明公开
    SYSTEMS AND METHODS FOR IDENTITY DOCUMENT FRAUD DETECTION 审中-公开

    公开(公告)号：US20240177512A1

    公开(公告)日：2024-05-30

    申请号：US18070983

    申请日：2022-11-29

    Applicant: Stripe, Inc.

    Inventor： Charlotte Gils ,  Efstathios Vafeias

    IPC: G06V30/19 ,  G06F40/169 ,  G06V30/41

    CPC classification number: G06V30/1916 ,  G06F40/169 ,  G06V30/19013 ,  G06V30/19147 ,  G06V30/41

    Abstract: A method and apparatus for fraud detection during transactions using identity graphs are described. The method may include receiving a document image for detecting whether an identity document depicted within the document image is fraudulent. The method may also include extracting data associated with the document image to generate extracted data comprising image data extracted from the document image, image file data extracted from an image file for the document image, or a combination thereof. The method may also include processing, by a set of machine learning models, corresponding subsets of the decoded image data used as input to each machine learning model of the set of machine learning models, and further by a second machine learning model that generates a final score indicative of whether the document image depicts a fraudulent identity document, at least one or more initial scores.

    CUSTOMIZABLE INTERMEDIARY PLATFORM FOR CONNECTING ENTITIES
    22.
    发明公开
    CUSTOMIZABLE INTERMEDIARY PLATFORM FOR CONNECTING ENTITIES 审中-公开

    公开(公告)号：US20240177159A1

    公开(公告)日：2024-05-30

    申请号：US18070776

    申请日：2022-11-29

    Applicant: Stripe, Inc.

    Inventor： Yiran SHENG ,  Omer Zach ,  Alexander Joseph McLeod

    IPC: G06Q20/40 ,  G06Q20/10

    CPC classification number: G06Q20/4015 ,  G06Q20/102

    Abstract: In an example embodiment, a system is provided that allows for multiple service partners to be accessible simultaneously via a single API. The system ensures that requests to collect payment information are sent only to a service partner that is active and operating, ensuring that a request to collect payment information that would normally have been sent to a service partner that is down or otherwise unavailable will be rerouted to an alternative service partner. Furthermore, the system also allows for a dynamic selection of a service partner to utilize among multiple service providers, based on factors such as how well the service provider's system integrates with the underlying institution from which the payment will be made, and the estimated speed of the processing of the transaction by the service provider. This latter aspect can be technically challenging because the same institution may be known by multiple different names on the different service providers.

    SYSTEMS, METHODS, AND APPARATUSES FOR IMPLEMENTING USER CUSTOMIZABLE POLICIES FOR REVENUE RECOGNITION
    23.
    发明公开
    SYSTEMS, METHODS, AND APPARATUSES FOR IMPLEMENTING USER CUSTOMIZABLE POLICIES FOR REVENUE RECOGNITION 审中-公开

    公开(公告)号：US20240062312A1

    公开(公告)日：2024-02-22

    申请号：US18241656

    申请日：2023-09-01

    Applicant: Stripe, Inc.

    Inventor： Tanin Na Nakorn ,  Ji Huang ,  Atikh Bana ,  Xu Rui

    IPC: G06Q40/12 ,  G06Q10/063

    CPC classification number: G06Q40/12 ,  G06Q10/063

    Abstract: Systems, methods and apparatuses for implementing user customizable policies for revenue recognition are described. In some embodiments, user inputs are received from a merchant that specify components of a set of revenue recognition rules to apply to transactions of the merchant on a per transaction basis, wherein each revenue recognition rule specifies a set of conditions to be met to trigger its application, a rule identifier, status, and whether the revenue recognition rule is applied at least one of: a specified product; a specified invoice; a specified customer; a specified payment; a specified refund; and a specified dispute. The user inputs are converted into rules to enable the rules to be matched to the transactions. A transaction is tracked by a server computer system. One or more applicable revenue recognition rules are identified to apply to the transaction, and revenue recognition is performed against the transaction.

    SYSTEMS AND METHODS FOR DATA ACCESS AND DELETION IN DISTRIBUTED SERVICE SYSTEMS
    24.
    发明公开
    SYSTEMS AND METHODS FOR DATA ACCESS AND DELETION IN DISTRIBUTED SERVICE SYSTEMS 审中-公开

    公开(公告)号：US20240061954A1

    公开(公告)日：2024-02-22

    申请号：US17892791

    申请日：2022-08-22

    Applicant: Stripe, Inc.

    Inventor： Marc Doan

    IPC: G06F21/62 ,  G06F21/31

    CPC classification number: G06F21/6245 ,  G06F21/6209 ,  G06F21/31

    Abstract: A method and apparatus for a distributed service provider system providing access to, and deletion of, user data are described. The method may include receiving a request from a user system to access the user data stored at the distributed service provider system, the request including a user identifier. The method may further include generating and transmitting a plurality of service system request messages that each request a service system to determine whether the service system stores user data. The method may also include receiving a response message from each service system indicating whether said each service system has user data stored within the data store managed by said each service system. Furthermore, the method can include generating a link for rendering at the user system a graphical user interface that provides information corresponding to the user data stored at the distributed service provider system, and transmitting the link to the user system.

    SYSTEMS AND METHODS FOR END TO END ENCRYPTION UTILIZING A COMMERCE PLATFORM FOR CARD NOT PRESENT TRANSACTIONS
    28.
    发明公开
    SYSTEMS AND METHODS FOR END TO END ENCRYPTION UTILIZING A COMMERCE PLATFORM FOR CARD NOT PRESENT TRANSACTIONS 审中-公开

    公开(公告)号：US20240020705A1

    公开(公告)日：2024-01-18

    申请号：US18373843

    申请日：2023-09-27

    Applicant: Stripe, Inc.

    Inventor： Jonathan Wall ,  Ross Favero ,  Gautam Seshan Raj ,  Eric Glass

    IPC: G06Q20/40 ,  G06Q20/38

    CPC classification number: G06Q20/409 ,  G06Q20/3829 ,  G06Q20/322

    Abstract: A method and apparatus for processing a transaction between a merchant system and a customer system, the customer system associated with a customer of the merchant are described. The method may include receiving, at a commerce platform, a transaction request from the merchant system, wherein the transaction request is generated by the merchant system and comprises a card identifier and encrypted payment card data, wherein the card identifier is determined from card data for a payment card used in the transaction and the encrypted payment card data comprises at least an encryption of a payment account number. The method may also include decrypting, by the commerce platform, the encrypted payment card data using an encryption key selected based on the card identifier, the encryption key associated with the commerce platform. Furthermore, the method may include authorizing, by the commerce platform in communication with one or more authorization systems, the transaction using the decrypted payment card data.

    MACHINE LEARNING FOR FRAUD PREVENTATION ACROSS PAYMENT TYPES
    29.
    发明公开
    MACHINE LEARNING FOR FRAUD PREVENTATION ACROSS PAYMENT TYPES 审中-公开

    公开(公告)号：US20240020700A1

    公开(公告)日：2024-01-18

    申请号：US17866370

    申请日：2022-07-15

    Applicant: Stripe, Inc.

    Inventor： Anthony Pianta ,  Peter Lofgren ,  Ketan Singh

    IPC: G06Q20/40 ,  G06K9/62

    CPC classification number: G06Q20/4016 ,  G06K9/6256

    Abstract: In an example embodiment, a solution is provided wherein a single machine learning model is trained and used to detect fraud across multiple payment types. More particularly, the concept of a payment scoring event (PSE) is introduced. A PSE is a data structure that stores multiple pieces of information about a transaction (or potential transaction). A mapping is then maintained between each payment type to be supported and the PSE structure. Each of these transaction types may have its own mapping indicating which fields in the PSR its own fields map to. The use of these mappings allows for additional payment methods to be introduced and supported at any time, necessitating only the creation of a mapping for an additional payment method.

    Systems and methods for context-aware event ordering protocol for distributed service systems
    30.
    发明授权
    Systems and methods for context-aware event ordering protocol for distributed service systems 有权

    公开(公告)号：US11863649B2

    公开(公告)日：2024-01-02

    申请号：US17898422

    申请日：2022-08-29

    Applicant: Stripe, Inc.

    Inventor： Ji Huang ,  Tushar Dhoot ,  Alexander Thiemann ,  Stefan Gawrys

    IPC: H04L67/62 ,  H04L67/01 ,  H04L67/51

    CPC classification number: H04L67/62 ,  H04L67/01 ,  H04L67/51

    Abstract: A method and apparatus for a first service processing system receiving and responding to a service request using a time context of a service time protocol is described. The method may include receiving a network based message associated with a service. The method may also include determining whether a service time context has been passed to the first service processing system from a second service processing system in the request. Furthermore, the method can include when no service time context is determined to have been passed to the first service processing system in the request, generating a current service time from a combination of a current physical time of the first service processing system and an initial counter time, performing a task associated with the service, and transmitting a second network based message that comprises the current service time as time context metadata associated with the performance of the task to a second service processing system.

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