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.

公开(公告)号：US11727453B2

公开(公告)日：2023-08-15

申请号：US17223329

申请日：2021-04-06

Applicant: Stripe, Inc.

Inventor： Ji Huang ,  Adam Eagle ,  Tanin Na Nakorn ,  Stefan Gawrys ,  Arne Roomann-Kurrik

IPC: G06Q30/04 ,  G06F16/22

CPC classification number: G06Q30/04 ,  G06F16/2291

Abstract: A clock data structure is introduced. An instance of the clock data structure can be attached to a billing data structure, such as a billing data structure that corresponds to a recurring payment. The instance of the clock data structure has a value that represents a frozen time—i.e., a specific time that does not change unless instructed to. The billing data structures to which the clock data structure is attached operate as if the real time is the frozen time on the clock. Since the time is frozen, users wishing to test the billing data structure can update their system configurations at specific times, and subsequently advance the time in the clock data structure instance to see the effects on those configurations, as well as on other parts of the system, including asynchronous messaging and processing, and processes that involve other entities.

公开(公告)号：USD993958S1

公开(公告)日：2023-08-01

申请号：US29794752

申请日：2021-06-15

Applicant: Stripe, Inc.

Designer： Conor Hayes ,  James Foody

Abstract: FIG. 1 is a front elevation view of a mounting adapter (e.g., for mounting or otherwise coupling a device, such as a card reader device or other reader device, to a tablet computer or other display device), showing our new design;
FIG. 2 is a rear elevation view thereof;
FIG. 3 is a left side elevation view thereof;
FIG. 4 is a right side elevation view thereof;
FIG. 5 is a top plan view thereof;
FIG. 6 is a bottom plan view thereof;
FIG. 7 is a top-front-left perspective view thereof;
FIG. 8 is a top-front-right perspective view thereof;
FIG. 9 is a top-rear-right perspective view thereof;
FIG. 10 is a top-rear-left perspective view thereof;
FIG. 11 is a bottom-front-left perspective view thereof;
FIG. 12 is a bottom-front-right perspective view thereof;
FIG. 13 is a bottom-rear-right perspective view thereof; and,
FIG. 14 is a bottom-rear-left perspective view thereof.
The shade lines show surface contour and not surface ornamentation.

公开(公告)号：US20230237569A1

公开(公告)日：2023-07-27

申请号：US17573530

申请日：2022-01-11

Applicant: STRIPE, INC.

Inventor： Jun WEN ,  Bo XU ,  Bryan IRACE ,  Jack DENT ,  Sharif CORINALDI ,  Yaakov ERLICHMAN

IPC: G06Q40/02 ,  G06Q10/04

CPC classification number: G06Q40/025 ,  G06Q10/04

Abstract: Methods and apparatuses for performing prediction based on merchant transaction data are described. In some embodiments, a method comprises: receiving, by one or more payment processing systems, from a plurality of merchant computing devices associated with a plurality of merchants, respectively, transaction data of transactions performed between the plurality of merchants and a plurality of customers; applying, by the one or more payment processing systems, an interpretable machine learning model framework to produce predictions based at least on the transaction data; determining whether to provide loan financing to merchants based on the predictions; and providing, by the payment processing system, loan financing to an account of at least one merchant in response to the determination, including configuring repayment terms individually for each of the merchants receiving the loan financing.

公开(公告)号：US11710117B1

公开(公告)日：2023-07-25

申请号：US17328764

申请日：2021-05-24

Applicant: Stripe, Inc.

Inventor： Jonathan Wall ,  Ross Favero ,  Eric Glass

IPC: G06Q20/34 ,  G06Q20/32

CPC classification number: G06Q20/3567 ,  G06Q20/3278 ,  G06Q20/341

Abstract: A method and apparatus for EMV terminal device testing using a simulation of a plurality of EMV cards when interacting with an EMV terminal device emulator are described. The method may include establishing, by an EMV card emulator, an interface with the EMV terminal device emulator for the exchange of EMV card present transaction communications between the EMV card emulator and the EMV terminal device emulator. Furthermore, for each of a plurality of simulated EMV cards, the method may include exchanging one or more communications with the EMV terminal device emulator via the interface, wherein each communication simulates a communication generated by a simulated integrated circuit of an EMV card in response to a communication generated by the EMV terminal device emulator, and then causing at least one transaction to be run by the EMV terminal device emulator using the exchange of the one or more communications between the EMV card emulator and the EMV terminal device emulator.