公开(公告)号：US20240232046A1

公开(公告)日：2024-07-11

申请号：US18094281

申请日：2023-01-06

Applicant: Stripe, Inc.

Inventor： Timothy James FONTAINE ,  Kenneth AUCHENBERG ,  Gabriel HURLEY ,  Justin TULLOSS

IPC: G06F11/36 ,  G06F8/10 ,  G06F8/38

CPC classification number: G06F11/3604 ,  G06F8/10 ,  G06F8/38

Abstract: In some embodiments, after receiving event data corresponding to an event-based workflow, the computer system attempts to cause execution of the first step corresponding to one or more events; and in response to receiving an indication that execution of the first step corresponding to the one or more events has failed, the computer system resolves failure the first step in a manner that is based one or more execution criteria (e.g., failure criteria) that is associated with the first step.

公开(公告)号：US12034822B2

公开(公告)日：2024-07-09

申请号：US18336657

申请日：2023-06-16

Applicant: Stripe, Inc.

Inventor： Noam Samuel ,  Ellen Stanfill ,  David C. Doran ,  Alexander Thiemann

IPC: G06Q30/0601 ,  G06Q20/20 ,  G06Q30/04 ,  H04L67/52

CPC classification number: H04L67/52 ,  G06Q30/04 ,  G06Q30/0603

Abstract: A method for location-dependent determination comprises: determining, with one or more processors, a geographic location of a user's electronic device using first data; in response to determining the determined geographic location is insufficient for performing a location-dependent determination, requesting second data to determine an updated geographic location of the user's electronic device; performing, with an Application Programming Interface (API), the location-dependent determination based on the updated geographic location; and completing, with the API, a transaction using the location-dependent determination.

公开(公告)号：US20240211942A1

公开(公告)日：2024-06-27

申请号：US18087339

申请日：2022-12-22

Applicant: Stripe, Inc.

Inventor： Ameesh Goyal ,  Jack Dent ,  Wanghong Yuan ,  Seth Toren-Herrinton

IPC: G06Q20/38 ,  G06Q20/40

CPC classification number: G06Q20/389 ,  G06Q20/401 ,  G06Q20/405

Abstract: A method and apparatus for a first server computer system processing a transaction received from a second server computer system are described. The method may include receiving a request to perform a first transaction. The method may also include generating a second transaction originating from an account of the first server computer system, the second transaction comprising payment data associated with a user selected payment method for the first transaction. The method may also include transmitting the second transaction to a transaction interface of the first server computer system, and authorizing the second transaction with an authorization system using payment data associated with the user selected payment method for the first transaction to complete the first transaction.

公开(公告)号：US20240193600A1

公开(公告)日：2024-06-13

申请号：US18077028

申请日：2022-12-07

Applicant: Stripe, Inc.

Inventor： Kerwell Liao ,  Angel Maredia

IPC: G06Q20/40 ,  G06Q20/12

CPC classification number: G06Q20/401 ,  G06Q20/12 ,  G06Q20/4016 ,  G06Q20/409

Abstract: A user scans a payment card while setting up an account on a merchant's website, or while completing a check out to purchase an item or service for the first time. The subject system stores signals from the card scan (e.g., device ID, verified card, location, last time scanned and used, etc.). The next time a transaction is requested for the card at another merchant, the subject system can reference the last data it has on the card. If the transaction is being requested from the same device or a reasonably close physical location within a reasonable timeframe, the subject system can be highly confident that this is a legitimate transaction, without requiring the customer to scan their payment card again.

公开(公告)号：US12010248B2

公开(公告)日：2024-06-11

申请号：US18216992

申请日：2023-06-30

Applicant: Stripe, Inc.

Inventor： Carl Jackson ,  Bryan Berg ,  David Terrence Bartley ,  Evan Broder

IPC: H04L9/32 ,  H04L9/14 ,  H04L9/40

CPC classification number: H04L9/3263 ,  H04L9/14 ,  H04L9/3247 ,  H04L9/3268 ,  H04L9/3271 ,  H04L63/0428 ,  H04L63/083 ,  H04L2209/127

Abstract: A method and apparatus for a certificate authority system providing authentication to a plurality of devices associated with an organization are described. The method may include receiving, at the certificate authority system, a request from a device to sign authentication information of the device, wherein the device is associated with the organization. The method may also include sending a challenge to the device to perform an action with a system other than the certificate authority system, and receiving the response to the challenge from the device. Furthermore, the method may include verifying that the response was generated correctly based on the challenge, and signing the authentication information of the device with one or more keys of the certificate authority system as an authentication of an identity of the device.

公开(公告)号：US20240177512A1

公开(公告)日：2024-05-30

申请号：US18070983

申请日：2022-11-29

Applicant: Stripe, Inc.

Inventor： Charlotte Gils ,  Efstathios Vafeias

IPC: G06V30/19 ,  G06F40/169 ,  G06V30/41

CPC classification number: G06V30/1916 ,  G06F40/169 ,  G06V30/19013 ,  G06V30/19147 ,  G06V30/41

Abstract: A method and apparatus for fraud detection during transactions using identity graphs are described. The method may include receiving a document image for detecting whether an identity document depicted within the document image is fraudulent. The method may also include extracting data associated with the document image to generate extracted data comprising image data extracted from the document image, image file data extracted from an image file for the document image, or a combination thereof. The method may also include processing, by a set of machine learning models, corresponding subsets of the decoded image data used as input to each machine learning model of the set of machine learning models, and further by a second machine learning model that generates a final score indicative of whether the document image depicts a fraudulent identity document, at least one or more initial scores.

公开(公告)号：US20240177159A1

公开(公告)日：2024-05-30

申请号：US18070776

申请日：2022-11-29

Applicant: Stripe, Inc.

Inventor： Yiran SHENG ,  Omer Zach ,  Alexander Joseph McLeod

IPC: G06Q20/40 ,  G06Q20/10

CPC classification number: G06Q20/4015 ,  G06Q20/102

Abstract: In an example embodiment, a system is provided that allows for multiple service partners to be accessible simultaneously via a single API. The system ensures that requests to collect payment information are sent only to a service partner that is active and operating, ensuring that a request to collect payment information that would normally have been sent to a service partner that is down or otherwise unavailable will be rerouted to an alternative service partner. Furthermore, the system also allows for a dynamic selection of a service partner to utilize among multiple service providers, based on factors such as how well the service provider's system integrates with the underlying institution from which the payment will be made, and the estimated speed of the processing of the transaction by the service provider. This latter aspect can be technically challenging because the same institution may be known by multiple different names on the different service providers.

公开(公告)号：US20240062312A1

公开(公告)日：2024-02-22

申请号：US18241656

申请日：2023-09-01

Applicant: Stripe, Inc.

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

IPC: G06Q40/12 ,  G06Q10/063

CPC classification number: G06Q40/12 ,  G06Q10/063

Abstract: Systems, methods and apparatuses for implementing user customizable policies for revenue recognition are described. In some embodiments, user inputs are received from a merchant that specify components of a set of revenue recognition rules to apply to transactions of the merchant on a per transaction basis, wherein each revenue recognition rule specifies a set of conditions to be met to trigger its application, a rule identifier, status, and whether the revenue recognition rule is applied at least one of: a specified product; a specified invoice; a specified customer; a specified payment; a specified refund; and a specified dispute. The user inputs are converted into rules to enable the rules to be matched to the transactions. A transaction is tracked by a server computer system. One or more applicable revenue recognition rules are identified to apply to the transaction, and revenue recognition is performed against the transaction.

公开(公告)号：US20240061954A1

公开(公告)日：2024-02-22

申请号：US17892791

申请日：2022-08-22

Applicant: Stripe, Inc.

Inventor： Marc Doan

IPC: G06F21/62 ,  G06F21/31

CPC classification number: G06F21/6245 ,  G06F21/6209 ,  G06F21/31

Abstract: A method and apparatus for a distributed service provider system providing access to, and deletion of, user data are described. The method may include receiving a request from a user system to access the user data stored at the distributed service provider system, the request including a user identifier. The method may further include generating and transmitting a plurality of service system request messages that each request a service system to determine whether the service system stores user data. The method may also include receiving a response message from each service system indicating whether said each service system has user data stored within the data store managed by said each service system. Furthermore, the method can include generating a link for rendering at the user system a graphical user interface that provides information corresponding to the user data stored at the distributed service provider system, and transmitting the link to the user system.

公开(公告)号：US20240054068A1

公开(公告)日：2024-02-15

申请号：US18384507

申请日：2023-10-27

Applicant: Stripe, Inc.

Inventor： Steven Edouard ,  Andrew Qin ,  Erin Kavanaugh ,  Karolis Kosas

IPC: G06F11/36 ,  H04L9/40 ,  H04L67/306 ,  G06Q20/10 ,  G06Q20/34 ,  G06F9/54 ,  G06F3/0482 ,  G06Q30/018

CPC classification number: G06F11/3688 ,  H04L63/08 ,  G06F11/3664 ,  G06F11/3692 ,  H04L67/306 ,  G06Q20/10 ,  G06Q20/34 ,  G06F9/547 ,  G06F3/0482 ,  G06Q30/0185

Abstract: A method and apparatus for providing a document-integrated software integration validation by a service provider system are described. The method includes detecting an application program interface (API) call generated by a user system in a test transaction, the API call comprising a test identifier (ID) and a user system ID, the test ID identifying an API integration test scenario and the user system ID identifying the user system. The method also includes tracking a sequence of API calls and responses. Furthermore, the method includes receiving login credentials from the user system. The method also includes verifying the received login credentials with previously established login credentials associated with the user system ID. Additionally, the method includes determining whether the sequence of API calls and responses is performed correctly for the test transaction and serving the interactive integration guide to the user system indicating a result for the API integration test scenario.