公开(公告)号：US20220122138A1

公开(公告)日：2022-04-21

申请号：US17072749

申请日：2020-10-16

Applicant: Stripe, Inc.

Inventor： Sean Fitzgerald ,  Sophie Sakellariadis

IPC: G06Q30/06 ,  G06Q20/02 ,  G06Q30/00 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q20/08 ,  G06F9/54 ,  G06F16/955

Abstract: A method and apparatus for real time onboarding using identifier pooling are described. The method may include receiving, from a merchant system, a transaction request using a merchant system identifier and merchant system authentication credentials associated with the merchant identifier, the transaction request specifying a payments partner system to process at least a part of the transaction. The method may also include determining whether the merchant system is onboarded for use of the payments platform system. When the merchant system is determined not to be onboarded for use of the payments platform system, the method may also include selecting a commerce platform system payments partner identifier from a pool of available commerce platform system payment partner identifiers provisioned by the payments partner system for the commerce platform system, and updating a merchant accounts data store by associating the selected commerce platform system payments partner identifier with the merchant identifier. The method may also include processing the transaction using the selected payments partner identifier associated by the commerce platform system with the merchant ID for performing the transaction.