公开(公告)号：US11887087B2

公开(公告)日：2024-01-30

申请号：US18093992

申请日：2023-01-06

Applicant: Stripe, Inc.

Inventor： Christopher Continanza ,  Shreyas Surendra Doshi ,  Brian David Krausz ,  Jay Shah

IPC: G06Q20/12 ,  G06Q20/08 ,  G06Q20/02 ,  G06Q20/36 ,  G06Q20/22

CPC classification number: G06Q20/12 ,  G06Q20/027 ,  G06Q20/085 ,  G06Q20/227 ,  G06Q20/3676

Abstract: Disclosed embodiments provide systems, methods, and apparatuses for facilitating transfers between user commerce accounts associated with a merchant of a commerce platform within a computing environment supported by a processor and a memory to execute such functionality. An exemplary system may include a means for creating a merchant account platform at the payment system; creating a single charge from a customer at the merchant account platform; creating multiple transfers from the merchant account platform to different connected accounts, wherein the multiple transfers are to each transfer a sub-portion of proceeds associated with the single charge from the customer to each of the different connected accounts; performing the single charge from the customer to the merchant account platform; and performing each of the multiple transfers from the merchant account platform to the different connected accounts. Other embodiments are also disclosed.

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.

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.

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.

公开(公告)号：US20230379336A1

公开(公告)日：2023-11-23

申请号：US18221627

申请日：2023-07-13

Applicant: Stripe, Inc.

Inventor： Yoav Podemsky

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

CPC classification number: H04L63/105 ,  G06Q20/3823 ,  G06Q20/401 ,  G06Q20/3829 ,  H04L63/06 ,  G06Q2220/00 ,  H04L2463/082

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：US11816665B2

公开(公告)日：2023-11-14

申请号：US17483998

申请日：2021-09-24

Applicant: STRIPE, INC.

Inventor： Steven V. Bacastow

IPC: G06Q20/00 ,  G06Q20/40 ,  G06Q20/26 ,  G06Q20/02 ,  G06Q20/34 ,  G06Q20/32 ,  G06Q20/42

CPC classification number: G06Q20/4012 ,  G06Q20/027 ,  G06Q20/26 ,  G06Q20/322 ,  G06Q20/356 ,  G06Q20/40 ,  G06Q20/405 ,  G06Q20/425

Abstract: This invention relates to systems and methods for authenticating transactions using a mobile device based primarily on the introduction of a layer of middleware and wherein the Payment Networks, Merchants, Issuing Banks, Credit Reporting Bureaus, Insurance Companies, Healthcare Providers may customize the implementation of the services based on individual strategy and consumer preferences.

公开(公告)号：US20230325895A1

公开(公告)日：2023-10-12

申请号：US18205978

申请日：2023-06-05

Applicant: Stripe, Inc.

Inventor： Matthew Basta ,  Ryan Orbuch

IPC: G06F40/174 ,  G06F9/451 ,  G06F16/23 ,  G06Q30/0601 ,  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 are described. The method includes transmitting a request for creating a merchant account that onboards the merchant for use of services provided by the commerce platform system. The method includes 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, where the merchant context stores a local copy of merchant account data for the merchant account. Furthermore, the method includes 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 that is required to comply with a minimum set of account information.

公开(公告)号：US20230297789A1

公开(公告)日：2023-09-21

申请号：US18202522

申请日：2023-05-26

Applicant: Stripe, Inc.

Inventor： Hwai Sian TSAI ,  Chi Wah LO

IPC: G06K7/10

CPC classification number: G06K7/10297 ,  G06K7/10316

Abstract: A reader device for attachment to a smart device comprising a display, the reader comprising an antenna, processing and reading circuitry, and a communications module, wherein the antenna, the processing and reading circuitry, the processor and the communications module are coupled to each other, and whereby the antenna encloses said display. When a card is tapped on the display, the antenna receives a signal and transmits the signal to the processing and reading circuitry. The processing and reading circuitry processes the signal to produce data, and the produced data is transmitted to a device external to the reader device by the communications module.

公开(公告)号：US20230289757A1

公开(公告)日：2023-09-14

申请号：US18197618

申请日：2023-05-15

Applicant: Stripe, Inc.

Inventor： CHRISTIAN ANDERSON ,  Stanislas Polu

IPC: G06Q20/12 ,  G06Q20/22 ,  G06Q20/40 ,  G06Q20/02

CPC classification number: G06Q20/12 ,  G06Q20/227 ,  G06Q20/405 ,  G06Q20/027

Abstract: In embodiments, methods and systems for implementing payment interface services using a payment platform are provided. Multiple payments types are integrated into the payment platform to support customer payments for merchants. The payment platform identifies payment types that are relevant to a customer based on receiving an indication to personalize payment types for the customer, and on customer data resources that are accessed. One or more relevant payment types are determined based on the information of the customer. The payment types for the customer are determined from a plurality of payment types supported via the payment platform that supports customer payment type personalization. A payment type from the one or more payment types relevant to the customer is automatically chosen or explicitly chosen by the customer, such that a corresponding payment type provider authenticates the customer in order to complete the transaction.

公开(公告)号：USRE49614E1

公开(公告)日：2023-08-15

申请号：US17399112

申请日：2021-08-11

Applicant: Stripe, Inc.

Inventor： Chi Wah Lo ,  Hwai Sian Tsai

IPC: H04L29/06 ,  G06F21/84 ,  H04L9/08 ,  G06F21/44 ,  G06F21/60 ,  G09G5/393 ,  H04L9/32

CPC classification number: G06F21/84 ,  G06F21/445 ,  G06F21/606 ,  G09G5/393 ,  H04L9/0866 ,  H04L9/0894 ,  G06F2221/031 ,  G09G2358/00 ,  H04L9/3273

Abstract: A system for a secure display module includes a display element array, a driver controller, a communication interface, a host controller and a cryptographic engine. The display element array includes one or more segments, and the driver outputs are configured to drive the one or more segments, respectively. The host controller is configured to send commands and data to the driver controller via the communication interface and the cryptographic engine is configured to encrypt communication data between the display element array and the host controller.