公开(公告)号：US20240161115A1

公开(公告)日：2024-05-16

申请号：US17985732

申请日：2022-11-11

Applicant: Stripe, Inc.

Inventor： Ryan Drapeau ,  Logan Howard ,  Seth Hendrickson ,  Isaac Madwed

IPC: G06Q20/40

CPC classification number: G06Q20/4016

Abstract: A method and system for detecting a fraudulent payment are described herein. The method can include detecting, at a server computer system, a request to perform a transaction between a merchant system and a customer of the merchant system, and in response to the detecting, determining, in real time one or more real time features corresponding to the transaction. The method may also include determining, by the server computer system, one or more batch features that correspond to one or more attributes associated with the transaction. The method may also include determining, by the server computer system, whether the payment is potentially fraudulent based on utilizing a model that includes inputs corresponding to the combination of the one or more real time features and the one or more batch features, and in response to determining that the payment is potentially fraudulent, performing, a remediation action associated with the transaction.

公开(公告)号：US20250165978A1

公开(公告)日：2025-05-22

申请号：US18513104

申请日：2023-11-17

Applicant: Stripe, Inc.

Inventor： Logan Howard ,  Ryan Drapeau ,  Nathan Brasher

IPC: G06Q20/40

Abstract: A server computer system for detecting a fraudulent electronic transaction may be configured to receive a transaction associated with a merchant. The system processes the transaction with a first machine learning model that is trained specific to the merchant, to obtain a first fraud detection, and processes the transaction with a second machine learning model that is trained based on a plurality of merchants, to obtain a second fraud detection. The system detects fraud associated with the transaction based on the first fraud detection and the second fraud detection. In response to detecting the fraud that is associated with the transaction, the system blocks the transaction.