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公开(公告)号：US11809528B2
公开(公告)日：2023-11-07
申请号：US17052334
申请日：2019-05-09
Applicant: Stripe, Inc.
Inventor： Hwai Sian Tsai , Chi Wah Lo
CPC classification number: G06F21/121 , G06F8/61 , G06F21/44 , G06Q20/20 , G06F2221/0724
Abstract: Installing and running an application for a terminal are described. A method for installing and running the application includes uploading an application to an application store. The method further includes downloading, by a terminal, the application from the application store, wherein the terminal is connected to the application store by a network. Furthermore, the method includes authorizing, by a terminal management server (TMS) coupled to the terminal and the application store via the network, the terminal to install and run the downloaded application.
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公开(公告)号：US20230336635A1
公开(公告)日：2023-10-19
申请号：US18336657
申请日：2023-06-16
Applicant: Stripe, Inc.
Inventor： Noam Samuel , Ellen Stanfill , David C. Doran , Alexander Thiemann
IPC: H04L67/52 , G06Q30/0601 , G06Q30/04
CPC classification number: H04L67/52 , G06Q30/0603 , G06Q30/04
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.
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公开(公告)号：US20230334500A1
公开(公告)日：2023-10-19
申请号：US17882471
申请日：2022-08-05
Applicant: STRIPE, INC.
Inventor： Rishabh Jain , Arnav Kumar , Ryan McAfee , Siva Vasanth
CPC classification number: G06Q20/405 , G06Q20/389
Abstract: Methods and apparatuses are disclosed for performing money movement transactions with a reserved amount retained from a payout. In some embodiments, the method comprises intercepting a plurality of transactions received via network communications, where each transaction of the plurality of transactions specifying a money movement and having a book keeping system of a commerce platform as a destination. The method also includes, for each intercepted transaction, performing a policy evaluation process that includes determining if a fund flow transformation rule applies to each intercepted transaction based on attributes associated with each intercepted transaction and modifying at least one intercepted transaction by changing the money movement according to the fund flow transformation rule into a plurality of money movements with specified balances to complete each money movement of the plurality of money movements, with one money movement to reserve a portion of a transaction amount.
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公开(公告)号：US20230334483A1
公开(公告)日：2023-10-19
申请号：US17723190
申请日：2022-04-18
Applicant: STRIPE, INC.
Inventor： Rishabh Jain , Robert Ying , Jeremiah Clemenson
CPC classification number: G06Q20/389 , G06Q40/12 , G06Q20/12
Abstract: Methods and apparatuses for processing transactions involving money movements using a policy engine are disclosed. In some embodiments, the method is a method comprises: intercepting a plurality of transactions received via network communications, each transaction of the plurality of transactions specifying a money movement and having a book keeping system of a commerce platform as a destination; and for each intercepted transaction, performing a policy evaluation process that includes determining if a fund flow transformation rule applies to said each intercepted transaction based on attributes associated with said each intercepted transaction, modifying at least one intercepted transaction by changing the money movement according to the fund flow transformation rule in response to determining a fund flow transformation rule applies to the at least one intercepted transaction, and sending said each intercepted transaction, including the at least one intercepted transaction with a modified money movement, to the book keeping system of a commerce platform.
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公开(公告)号：US11790372B2
公开(公告)日：2023-10-17
申请号：US16523528
申请日：2019-07-26
Applicant: Stripe, Inc.
Inventor： Jonathan Wall
CPC classification number: G06Q20/4018 , G06Q20/341 , G06Q20/3827 , G06Q20/3829 , G06Q20/409 , G06Q20/425
Abstract: A method and apparatus for processing a transaction between a merchant and a customer of the merchant are described. The method may include generating, at an ingress server, an initial transaction message by generating a deterministic identifier for a card used in the transaction from card data received for the transaction and encrypting the received card data. The method may also include providing the initial transaction message from the ingress server to a payment server. Furthermore, the method may include updating, by the payment server in response to an authorization of the transaction determined based at least in part on the deterministic identifier for the card, the initial transaction message with authorization data, and providing the updated initial transaction message from the payment server to an egress server. The method may also include communicating a final transaction message to an authorization system for processing the transaction between the merchant and the customer based on the card data.
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Patent Agency Ranking
公开(公告)号：US20230316292A1
公开(公告)日：2023-10-05
申请号：US17708631
申请日：2022-03-30
Applicant: Stripe, Inc.
Inventor： Michael Lewis , Alexandre Franck Bondoux
CPC classification number: G06Q20/409 , G06N20/20 , G06Q20/401
Abstract: In an example embodiment, a solution is provided wherein a threshold used by a classifier in a first machine learning model is dynamically set by a second machine learning model. More particularly, the threshold may be selected from two or more different threshold settings, based on the output of the second machine learning model. This acts to improve the reliability of predictions made by the first machine learning model in certain use cases where circumstances not adequately captured by the first machine learning model can affect the accuracy of the threshold used by the first machine learning model.
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公开(公告)号：US20230274284A1
公开(公告)日：2023-08-31
申请号：US18143219
申请日：2023-05-04
Applicant: Stripe, Inc.
Inventor： Hwai Sian Tsai , Chi Wah Lo
CPC classification number: G06Q20/409 , G06K7/10009 , G06K7/10405 , G06Q20/352 , G07F7/0893 , G06K7/06 , G06Q20/34
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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358.发明授权公开(公告)号：US11704617B2
公开(公告)日：2023-07-18
申请号：US16905205
申请日：2020-06-18
Applicant: Stripe, Inc.
Inventor： Ryan Lopopolo
IPC: G06Q10/067 , G06F30/20 , G06Q10/10 , G06Q10/047 , G06Q30/0201 , G06Q10/0637 , G06Q10/0631 , G06F40/20 , G06Q30/0204
CPC classification number: G06Q10/067 , G06F30/20 , G06F40/20 , G06Q10/047 , G06Q10/06315 , G06Q10/06375 , G06Q10/10 , G06Q30/0201 , G06Q30/0204
Abstract: Systems and methods for modeling and analysis of commerce platform system infrastructure provided by cloud services provider systems to a commerce platform are described. The method may include receiving a cloud services provider spending report generated by a cloud service provider system, wherein the cloud services provider spending report comprises information indicative of costs of cloud services provider resource usage by the commerce platform system over a period of time, and receiving a service report for one or more systems of the commerce platform, wherein the service report comprises information indicative of execution of services of the one or more systems of the commerce platform over the period of time. A directed graph may then be generated that models costs of commerce platform system service usage at the cloud services provider system. The method may also include performing an analysis of the directed graph to attribute cloud service provider system cost information to the commerce platform system service usage at the cloud services provider system, and generating a report indicating cloud service provider system costs attributable services of the commerce platform system.
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公开(公告)号：US20230222602A1
公开(公告)日：2023-07-13
申请号：US18090250
申请日：2022-12-28
Applicant: Stripe, Inc.
Inventor： Jonah Cohen
CPC classification number: G06Q40/12 , G06F16/2379 , 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.
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360.发明公开公开(公告)号：US20230196359A1
公开(公告)日：2023-06-22
申请号：US18110833
申请日：2023-02-16
Applicant: Stripe, Inc.
Inventor： Girish Balasubramanian
CPC classification number: G06Q20/401 , G06Q20/3224 , G06Q20/10 , G06Q20/382 , 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.
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