公开(公告)号：US11704673B1

公开(公告)日：2023-07-18

申请号：US16915477

申请日：2020-06-29

Applicant: Stripe, Inc.

Inventor： Ryan Drapeau ,  Feiyi Ouyang ,  Tianshi Zhu ,  David Abrahams ,  Joshua Rosen

IPC: G06N20/00 ,  G06Q20/40 ,  G06Q30/018 ,  H04L67/146 ,  G06Q50/26 ,  G06Q20/34

CPC classification number: G06Q20/4016 ,  G06N20/00 ,  G06Q20/4014 ,  G06Q30/0185 ,  G06Q20/34 ,  G06Q20/4012 ,  G06Q50/265 ,  H04L67/146

Abstract: A method and apparatus for fraud detection during transactions using identity graphs are described. The method may include receiving, at a commerce platform system, a transaction from a user having initial transaction attributes and transaction data. The method may also include determining, by the commerce platform system, an identity associated with the user, wherein the identity is associated with additional transaction attributes not received with the transaction. Furthermore, the method may include accessing, by the commerce platform system, a feature set associated with the initial transaction attributes and the additional transaction attributes, wherein the feature set comprises machine learning (ML) model features for detecting transaction fraud. The method may also include performing, by the commerce platform system, a machine learning model analysis using the feature set and the transaction data to determine a likelihood that the transaction is fraudulent, and performing, by the commerce platforms system, the transaction when the likelihood that the transaction is fraudulent does not satisfy a transaction fraud threshold.

公开(公告)号：US20230214379A1

公开(公告)日：2023-07-06

申请号：US17566014

申请日：2021-12-30

Applicant: STRIPE, INC.

Inventor： Xin Li ,  Hanhan Xiang ,  Yue Zhang ,  Guanglei Song ,  Mu Lin ,  Jeffrey Reiter ,  Wei Keong Mah ,  Jay Chen

IPC: G06F16/23

CPC classification number: G06F16/2365 ,  G06F16/2379

Abstract: In one aspect, a method of detecting database anomalies, includes reading historical data in a destination database at an end of a data pipeline, determining bounds including an upper bound and a lower bound based on the read historical data, reading current data for a first specified time period in the destination database, responsive to determining the upper or the lower bound is exceeded, determining database transactions that caused the exceeding, and transmitting alerts to owners of the database transactions.

公开(公告)号：US20230177524A1

公开(公告)日：2023-06-08

申请号：US18106323

申请日：2023-02-06

Applicant: Stripe, Inc.

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

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

CPC classification number: G06Q30/018 ,  G06Q30/0609 ,  G06F9/54 ,  H04L67/306 ,  G06F16/24558 ,  G06Q20/02 ,  G06Q30/0617

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：US11640593B2

公开(公告)日：2023-05-02

申请号：US17320551

申请日：2021-05-14

Applicant: Stripe, Inc.

Inventor： Chi Wah Lo ,  Tai Kwan Jimmy Tang ,  Wai Chuen Gan

IPC: G06Q20/18 ,  G06K7/14

Abstract: A system comprises a client module installed on a vending machine, the vending machine displaying one or more items for purchase in a first arrangement, and a purchase fulfilment subsystem. A QR code is generated by the purchase fulfilment subsystem and transmitted to the client module. A first set of signals to initiate a transaction is transmitted by the user device to the purchase fulfilment system. The purchase fulfilment subsystem transmits to the user device a second set of signals to display elements in a second arrangement. The user device transmits a third set of signals to the purchase fulfilment subsystem related to activation of an element. The purchase fulfilment subsystem transmits to the client module a fourth set of signals comprising commands to enable the vending machine to dispense an item. The client module sends one or more instructions to the vending machine to dispense the item.

公开(公告)号：US11630575B2

公开(公告)日：2023-04-18

申请号：US17177311

申请日：2021-02-17

Applicant: Stripe, Inc.

Inventor： Hwai Sian Tsai ,  Chi Wah Lo

IPC: G06F3/048 ,  G06F3/04886 ,  G06F3/023 ,  G06F3/041 ,  G06F21/36

Abstract: What is disclosed is a system for randomization of one or more display parameters for a keypad displayed on a touchscreen of a mobile device, said system comprising a randomization subsystem to randomly select one or more variables related to at least one of said one or more display parameters, said one or more display parameters comprising a location of the keypad relative to said edge of said touchscreen; a size of said keypad; one or more sizes of one or more buttons within said keypad, and one or more positions of one or more groups of the one or more buttons within said keypad.

公开(公告)号：US20230085889A1

公开(公告)日：2023-03-23

申请号：US17479757

申请日：2021-09-20

Applicant: STRIPE, INC.

Inventor： Tanin Na Nakorn ,  Ji Huang ,  Atikh Bana ,  Xu Rui

IPC: G06Q40/00 ,  G06Q10/06

Abstract: Systems, methods and apparatuses for implementing user customizable policies for revenue recognition are described. In some embodiments, a method comprises: tracking, by a network commerce system, a plurality of transactions; determining one or more revenue recognition rules of a plurality of revenue recognition rules that applies to each transaction of the plurality of transactions based on results of matching performed between conditions of each of the plurality of revenue recognition rules and one or more characteristics of said each transaction, the conditions of each rule including an effective time period during which individual transactions are subject to the rule; and automatically performing revenue recognition for each transaction according to one of the one or more revenue recognition rules determined to apply to said each transaction using based on results of matching conditions of one revenue recognition rule and the one or more characteristics of said each transaction.

公开(公告)号：US11609757B1

公开(公告)日：2023-03-21

申请号：US17373503

申请日：2021-07-12

Applicant: Stripe, Inc.

Inventor： Jonathan Wall ,  Eric Glass ,  Ross Favero

IPC: G06F8/65 ,  G06F11/36 ,  G06F8/658 ,  G06K7/00

Abstract: A continuous integration framework for developing software for transaction processing and method for using the same are described. In one embodiment, the method comprises generating a trusted artifact with a forward immutable continuous integration (CI) implemented as a build pipeline, wherein the artifact comprises updated software comprising payment processing code with an EMV vector kernel for processing of EMV-based card present transactions; and in response to the software update, performing end-to-end testing of EMV card present transactions using code commits from one or more code repositories, wherein the end-to-end testing comprises executing the code commits that includes executing payment processing code for processing EMV-based card present transactions with an EMV vector kernel and one or more emulated EMV cards, and running tests against the executing code commits to validate behavior the payment processing code including the EMV vector kernel, wherein the tests comprise running one or more emulated EMV cards against the vector kernel as part of one or more emulated EMV-based card present transactions and monitoring communications related to the one or more emulated EMV-based card present transaction communications.

公开(公告)号：US11580541B2

公开(公告)日：2023-02-14

申请号：US15763832

申请日：2016-09-28

Applicant: STRIPE, INC.

Inventor： Joseph O'Hara ,  Gavin Pacini ,  Niall Hogan ,  Joseph Kuye

IPC: G06Q20/40 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q20/34

Abstract: A method and system are disclosed in an electronic payment network, for associating a payment card of a cardholder with a personal computing device of the cardholder, then authenticating the payment card in electronic transactions processed in the network. The card and a device activation code are input to the cardholder device by the cardholder, then communicated sent to a remote server for obtaining a card token. The server generates a device token and an authorisation token, stores the generated tokens together with the card token, and sends the card and device tokens to the cardholder device for storage. Whenever a transaction is processed in the network, the payment card is authenticated by inputting authenticating data to the cardholder device for generating an authorisation token, which is sent to the server with the stored card and device tokens, for a matching operation against the card, device and authorisation tokens at the server.

公开(公告)号：US20230038609A1

公开(公告)日：2023-02-09

申请号：US17968461

申请日：2022-10-18

Applicant: STRIPE, INC.

Inventor： Jeroen Antonius Egidius Habraken

IPC: G06Q30/06 ,  G06N20/00 ,  G06K9/62 ,  G06F16/957

Abstract: In an example embodiment, a method for processing payments made via an electronic payment processing system is provided. An example method includes obtaining training data from a data source. The training data relates to prior purchases made via the electronic payment processing system, wherein the data source includes, in some examples, only a checkout page in a purchase transaction funnel. Features associated with a negative user action in relation to prior purchases are identified. A machine learning algorithm produces a dynamic transactional behavior score indicative of a probability that a purchase will invoke a negative user action.

公开(公告)号：US11551202B1

公开(公告)日：2023-01-10

申请号：US16542107

申请日：2019-08-15

Applicant: Stripe, Inc.

Inventor： Steven Henry Noble

IPC: G06Q40/00 ,  G06Q20/36 ,  G06Q20/32 ,  G06Q20/34

Abstract: Method to generate onboarding flow for application starts with on-boarding server receiving request from electronic device to activate application. On-boarding server determines whether request is initial request. Request is determined to be initial request when minimal set of information associated with user is not stored in on-boarding server. When request is determined to be initial request, on-boarding server signals to electronic device to display request for minimal set of information associated with user which includes at least one of: user identification, legal name, phone number, or email address. Minimal set of information associated with user is then received and stored in on-boarding server. On-boarding server signals to allow initial access to application. Signaling to allow initial access includes signaling that user requires access to payment processing hardware to process user's physical payment instrument. On-boarding server receives default payment information entered using payment processing hardware. Other embodiments are also described.