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

IPC: G06Q20/40 ,  G06Q20/38

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.