公开(公告)号：US12204933B2

公开(公告)日：2025-01-21

申请号：US17390270

申请日：2021-07-30

Applicant: Stripe, Inc.

Inventor： Yoav Srebrnik ,  Brandon Farrell ,  Davin Bogan

IPC: G06F9/48 ,  G06N20/00

Abstract: In an example embodiment, rate limiting is performed at the instance level (i.e., locally), but utilizing throughput statistics of other instances. These statistics may be measured locally by each instance and then transmitted to a central store, where they are aggregated. Each instance is then able to asynchronously request the aggregated statistics from the central store and use this information to manage the parameters of its own local rate limiter.

公开(公告)号：US12199991B2

公开(公告)日：2025-01-14

申请号：US18221627

申请日：2023-07-13

Applicant: Stripe, Inc.

Inventor： Yoav Podemsky

IPC: H04L9/40 ,  G06Q20/38 ,  G06Q20/40

Abstract: A method and apparatus for performing multi-factor authentication of a merchant system by a commerce platform are described. The method may include authenticating the commerce platform to a cloud services provider, the cloud services provider providing a private communications network for use by the commerce platform and the merchant system. The method may also include receiving, by the commerce platform, an authentication request from the merchant system, wherein the request received from the merchant system originates from the private communications network provided by the cloud services provider, and wherein the authentication request uses an encryption key. Furthermore, the method may include determining, by the commerce platform, validity of the encryption key used in the authentication request for the merchant system, and in response to origination of the authentication request occurring from within the private communications network and determining validity of the API key, authenticating the merchant system as an authorized system for performing an operation requested by the authentication request using the commerce platform.

公开(公告)号：US20240428252A1

公开(公告)日：2024-12-26

申请号：US18341559

申请日：2023-06-26

Applicant: Stripe, Inc.

Inventor： Chiranth Manjunath HEGDE ,  Vinayak THAPLIYAL

IPC: G06Q20/40

Abstract: One method includes identifying a set of fraud-detection ML models to be used to determine a fraud status of a transaction; executing a routing ML model configured to generate a score for at least a subset of the set of fraud-detection ML models, based on an input of an amount and an attribute associated with the transaction, the score indicative of the fraud status for the transaction based on the amount and the attribute; executing using the amount and the attribute associated with the transaction, a subset of the set of fraud-detection ML models selected in accordance with each fraud-detection ML model's respective score, whereby at least one fraud-detection ML model within the subset of the set of fraud-detection models generates a prediction associated with the fraud status of the transaction; and authorizing the transaction based on the prediction.

公开(公告)号：US20240427758A1

公开(公告)日：2024-12-26

申请号：US18214205

申请日：2023-06-26

Applicant: Stripe, Inc.

Inventor： Hemal Shah ,  Shashi Madappa ,  Karan Vohra

IPC: G06F16/23 ,  G06F16/21 ,  G06F16/27

Abstract: A method and apparatus for updating data router nodes in a distributed storage system are described. The method can include querying, by a first database agent of a database node, a cache data store for health status metrics of the cache data store. The method can also include storing, by the first database agent of the database node, the health status metrics in a data repository. Furthermore, the method can include obtaining, by a second database agent of a router node, the health status metrics from the data repository, and updating, by the second database agent of the router node, a database topology file based on the health status metrics.

公开(公告)号：US12175112B2

公开(公告)日：2024-12-24

申请号：US18217191

申请日：2023-06-30

Applicant: Stripe, Inc.

Inventor： Sophia Chrisoula Sakellariadis ,  Anand Balaji

IPC: G06F3/06 ,  G06F9/30 ,  G06F9/46 ,  H04L9/08

Abstract: A method and apparatus for data mirroring are described. In one embodiment, a method for implementing country-specific data locality to cause data related to local transactions to be stored within the country in which the transactions occurred, comprises: capturing a set of transaction data associated with a set of transactions into a first cloud-based storage resource; and, according to a configuration file, performing data mirroring across a heterogeneous set of cloud providers using a plurality of stages executed by one or more processors.

公开(公告)号：US12169712B2

公开(公告)日：2024-12-17

申请号：US17750043

申请日：2022-05-20

Applicant: Stripe, Inc.

Inventor： Paul Alfred Carleton ,  Andrew Joseph Dunham ,  Serhii Rud ,  Adam Bradley Stubblefield ,  Caitriona Kelly

IPC: G06F8/71 ,  G06F8/40

Abstract: Methods and apparatuses for using secrets and a secrets framework are described. In some embodiments, the method comprises executing, by a computing system, application code that includes a reference to a secret value inaccessible to the application code, the reference being in the form of a handle that contains the secret value, including passing the handle to injector code; and executing the injector code, including accepting the handle; obtaining the secret value from the handle; and using the secret value in an operation on behalf of the application code.

公开(公告)号：US20240414165A1

公开(公告)日：2024-12-12

申请号：US18207127

申请日：2023-06-07

Applicant: Stripe, Inc.

Inventor： Bala DUTT ,  Venkataramanan SUBRAMANIAN ,  Manish SHAH ,  Anirudh BHARGAVA ,  Siddarth CHANDRASEKARAN

IPC: H04L9/40

Abstract: Aspects of the subject technology include a method comprising obtaining an enrollment confidence score and a validation confidence score, and determining an identity assurance score associated with the user account that indicates a level of confidence in an identity of the user. The identity assurance score is determined based at least in part on one or more of the enrollment confidence score or the validation confidence score. The method also comprises receiving, from a service provider, a request for the identity assurance score for the user account, the request corresponding to at least one of an authorization or an authentication of the user account at the service provider, and providing, responsive to the request, the identity assurance score of the user account to the service provider for at least one of the authorization or the authentication of the user account at the service provider.

公开(公告)号：US12165158B2

公开(公告)日：2024-12-10

申请号：US18106323

申请日：2023-02-06

Applicant: Stripe, Inc.

Inventor： Andrew Hoskins ,  Jay Shah ,  Matthew William Janiga ,  Peter Cronin Terrill

IPC: G06Q20/02 ,  G06F9/54 ,  G06F16/2455 ,  G06Q30/018 ,  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 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.

公开(公告)号：US20240370232A1

公开(公告)日：2024-11-07

申请号：US18142524

申请日：2023-05-02

Applicant: Stripe, Inc.

Inventor： Michael GLUKHOVSKY ,  Tomer Elmalem ,  Karolis Kosas ,  Owen Williams ,  Zachary Padovani-Ginies ,  Azalea Irani

IPC: G06F8/34 ,  G06F3/0481 ,  G06F3/0484

Abstract: This disclosure provides techniques for providing a context-aware tool that, in some examples, is globally available throughout a platform.

公开(公告)号：US20240364791A1

公开(公告)日：2024-10-31

申请号：US18767641

申请日：2024-07-09

Applicant: Stripe, Inc.

Inventor： Noam Samuel ,  Ellen Stanfill ,  David C. Doran ,  Alexander Thiemann

IPC: H04L67/52 ,  G06Q30/04 ,  G06Q30/0601

CPC classification number: H04L67/52 ,  G06Q30/04 ,  G06Q30/0603

Abstract: A method for location-dependent determination comprises: determining, with one or more processors, a geographic location of a user's electronic device using first data; in response to determining the determined geographic location is insufficient for performing a location-dependent determination, requesting second data to determine an updated geographic location of the user's electronic device; performing, with an Application Programming Interface (API), the location-dependent determination based on the updated geographic location; and completing, with the API, a transaction using the location-dependent determination.