公开(公告)号：US20200294106A1

公开(公告)日：2020-09-17

申请号：US16795890

申请日：2020-02-20

Applicant: Stripe, Inc

Inventor： Tara Seshan ,  Clinton Carjoel Blackburn ,  Victoria Martinez

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

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：US10193697B1

公开(公告)日：2019-01-29

申请号：US15979021

申请日：2018-05-14

Applicant: Stripe, Inc.

Inventor： Carl Jackson ,  Bryan Berg ,  David Terrance Bartley ,  Evan Broder

IPC: H04L9/14 ,  H04L9/32 ,  H04L29/06

Abstract: A method and apparatus for a certificate authority system providing authentication to a plurality of devices associated with an organization are described. The method may include receiving, at the certificate authority system, a request from a device to sign authentication information of the device, wherein the device is associated with the organization. The method may also include sending a challenge to the device to perform an action with a system other than the certificate authority system, and receiving the response to the challenge from the device. Furthermore, the method may include verifying that the response was generated correctly based on the challenge, and signing the authentication information of the device with one or more keys of the certificate authority system as an authentication of an identity of the device.

公开(公告)号：US20190005499A1

公开(公告)日：2019-01-03

申请号：US15997416

申请日：2018-06-04

Applicant: Stripe, Inc.

Inventor： Jonathan WALL ,  Ross FAVERO ,  Eric Nelson GLASS

IPC: G06Q20/40 ,  G06Q20/38 ,  G06Q20/20

Abstract: Embodiments of the invention include a method of performing a payment transaction comprising receiving transaction data by a PIN pad terminal from a point-of-sale terminal, and receiving tender from a customer, by the PIN pad terminal. Tender data and the transaction data are sent to a service gateway, by the PIN pad terminal. The service gateway collects metadata from the tender data and the transaction data. The tender data is sent by the PIN pad terminal to the point-of-sale terminal, which sends the tender data and the transaction data to a merchant gateway for approval or denial of the tender data. The tender data sent to the POS may be encrypted. The service gateway may provide customer and merchant analytics based on the metadata, as well as perform security/fraud checks, BIN management, PIN pad management. Systems are also disclosed.

公开(公告)号：US10134036B1

公开(公告)日：2018-11-20

申请号：US15792253

申请日：2017-10-24

Applicant: Stripe, Inc.

Inventor： Patrick Collison ,  John B. Collison ,  Greg D. Brockman ,  Saikat Chakrabarti ,  Ross A. Boucher

IPC: G06Q20/38 ,  G06Q20/40 ,  G06Q20/10

Abstract: A transaction is conducted between a merchant site and a customer's electronic device using a payment processor. The merchant site is associated with a client-side application and a server-side application. The client-side application executes on the customer's electronic device. The client-side application electronically sends payment information retrieved from the customer's electronic device to the payment processor. The client-side application does not send the payment information to the server-side application. The payment processor creates a token from the payment information sent by the client-side application. The token functions as a proxy for the payment information. The payment processor electronically sends the token to the client-side application. The client-side application electronically sends the token to the server-side application for use by the server-side application in conducting the transaction. The payment information can thus be used by the server-side application via the token without the server-side application being exposed to the payment information.

公开(公告)号：US12282945B1

公开(公告)日：2025-04-22

申请号：US17891693

申请日：2022-08-19

Applicant: Stripe, Inc.

Inventor： Siddarth Chandrasekaran ,  John Brochan Collison ,  Cristina Joelle Cordova ,  James William Danz ,  Stanislas Vincent Francois Polu ,  Devesh Senapati

IPC: G06Q30/00 ,  G06Q20/02 ,  G06Q20/12 ,  G06Q30/0601

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.

公开(公告)号：US12248962B2

公开(公告)日：2025-03-11

申请号：US18209362

申请日：2023-06-13

Applicant: STRIPE, INC.

Inventor： Huashuai Qu ,  Manasij Venkatesh

IPC: G06Q30/00 ,  G06N3/045 ,  G06N3/084 ,  G06Q30/0251 ,  H04L67/50 ,  G05B19/418

Abstract: The present disclosure is directed to models for predicting customer behavior, including the use or adoption of products by current customers and prospective customers of a service platform offering multiple service products.

公开(公告)号：US20250069092A1

公开(公告)日：2025-02-27

申请号：US18945431

申请日：2024-11-12

Applicant: Stripe, Inc.

Inventor： Andrew HOSKINS ,  Jay SHAH ,  Matthew William JANIGA ,  Peter Cronin TERRILL

IPC: G06Q30/018 ,  G06F9/54 ,  G06F16/2455 ,  G06Q20/02 ,  G06Q30/0601 ,  H04L67/306

Abstract: A method and apparatus for managing capabilities of an account of a user system at a commerce platform are described. The method includes receiving a request for a desired functionality of the account from a user system. 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. The method may also include transmitting a message that includes a list of additional data to be provided by the user system before activation of the capability for the account. The method may further include receiving a response from the user system that includes the additional data for activating the capability for the account.

公开(公告)号：US20250061433A1

公开(公告)日：2025-02-20

申请号：US18235790

申请日：2023-08-18

Applicant: Stripe, Inc.

Inventor： Daniel Edward KNUDSEN ,  Victoria MARTINEZ ,  Tyler DOSS ,  Alberto DE PABLO RODRIGUEZ ,  Bimeng GONG

IPC: G06Q20/08 ,  H04L9/40

Abstract: A service provider server establishes a link to network (e.g., share) and reduce steps to complete a transaction between an electronic device of a user and a third party server. When the user, via their electronic device, accesses a service provider server to conduct a transaction between the user and the third party server, the service provider server may store the user account data and/or access information for accessing the user account data, received from a financial institution, as a link. When the user, via their electronic device, accesses the service provider server again to transact with a subsequent third party server, the service provider server may receive a request from the subsequent third party server for user account data. The service provider server may use the link to provide other third parties with the user account data, subject to one or more conditions imposed on the payment provider.

公开(公告)号：US20250037136A1

公开(公告)日：2025-01-30

申请号：US18914534

申请日：2024-10-14

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：US12204953B2

公开(公告)日：2025-01-21

申请号：US17590206

申请日：2022-02-01

Applicant: Stripe, Inc.

Inventor： Peter Wang ,  Alexander Thiemann ,  Adam Eagle ,  Hongshan Zhou ,  Ji Huang

IPC: G06F16/23 ,  G06F9/52

Abstract: A method for preventing race conditions in a database comprises: setting a first numerical entry and a second numerical entry in a database; receiving a first online transaction; responsive to determining a lock of the database is in progress due to a second received online transaction, suspending the first online transaction; removing the lock after the second received online transaction is completed; responsive to determining that the first entry is greater than zero, decrementing the first entry by an amount indicated in the first online transaction; responsive to determining the second entry is greater than zero, decrementing the second entry; processing the first transaction; and generating an online transaction record for the first transaction and storing the generated record in an online transaction database.