公开(公告)号：US20240177163A1

公开(公告)日：2024-05-30

申请号：US18072294

申请日：2022-11-30

Applicant: Stripe, Inc.

Inventor： Fanyun FANG ,  Aakash SAHNEY ,  Christopher Jeffery STREETER ,  Kevin Chekin HO ,  David LAKATA

IPC: G06Q20/40 ,  G06Q30/06

CPC classification number: G06Q20/4016 ,  G06Q30/06

Abstract: A method and apparatus for processing a transaction request associated with a merchant platform system may include: receiving, at a commerce platform system, the transaction request; determining a plurality of account traits associated with the merchant platform system; detecting a first account trait from the plurality of account traits associated with the merchant platform system; in response to determining that the first account trait of the plurality of account traits comprises a first value, processing the transaction request to generate an approval status for the transaction request based on a risk value determined by the commerce platform system with respect to the transaction request; and in response to determining that the first account trait of the plurality of account traits comprises a second value, deferring a determination of the risk value for the transaction request to the merchant platform system.