公开(公告)号：US11609757B1

公开(公告)日：2023-03-21

申请号：US17373503

申请日：2021-07-12

Applicant: Stripe, Inc.

Inventor： Jonathan Wall ,  Eric Glass ,  Ross Favero

IPC: G06F8/65 ,  G06F11/36 ,  G06F8/658 ,  G06K7/00

Abstract: A continuous integration framework for developing software for transaction processing and method for using the same are described. In one embodiment, the method comprises generating a trusted artifact with a forward immutable continuous integration (CI) implemented as a build pipeline, wherein the artifact comprises updated software comprising payment processing code with an EMV vector kernel for processing of EMV-based card present transactions; and in response to the software update, performing end-to-end testing of EMV card present transactions using code commits from one or more code repositories, wherein the end-to-end testing comprises executing the code commits that includes executing payment processing code for processing EMV-based card present transactions with an EMV vector kernel and one or more emulated EMV cards, and running tests against the executing code commits to validate behavior the payment processing code including the EMV vector kernel, wherein the tests comprise running one or more emulated EMV cards against the vector kernel as part of one or more emulated EMV-based card present transactions and monitoring communications related to the one or more emulated EMV-based card present transaction communications.

公开(公告)号：US11580541B2

公开(公告)日：2023-02-14

申请号：US15763832

申请日：2016-09-28

Applicant: STRIPE, INC.

Inventor： Joseph O'Hara ,  Gavin Pacini ,  Niall Hogan ,  Joseph Kuye

IPC: G06Q20/40 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q20/34

Abstract: A method and system are disclosed in an electronic payment network, for associating a payment card of a cardholder with a personal computing device of the cardholder, then authenticating the payment card in electronic transactions processed in the network. The card and a device activation code are input to the cardholder device by the cardholder, then communicated sent to a remote server for obtaining a card token. The server generates a device token and an authorisation token, stores the generated tokens together with the card token, and sends the card and device tokens to the cardholder device for storage. Whenever a transaction is processed in the network, the payment card is authenticated by inputting authenticating data to the cardholder device for generating an authorisation token, which is sent to the server with the stored card and device tokens, for a matching operation against the card, device and authorisation tokens at the server.

公开(公告)号：US20230038609A1

公开(公告)日：2023-02-09

申请号：US17968461

申请日：2022-10-18

Applicant: STRIPE, INC.

Inventor： Jeroen Antonius Egidius Habraken

IPC: G06Q30/06 ,  G06N20/00 ,  G06K9/62 ,  G06F16/957

Abstract: In an example embodiment, a method for processing payments made via an electronic payment processing system is provided. An example method includes obtaining training data from a data source. The training data relates to prior purchases made via the electronic payment processing system, wherein the data source includes, in some examples, only a checkout page in a purchase transaction funnel. Features associated with a negative user action in relation to prior purchases are identified. A machine learning algorithm produces a dynamic transactional behavior score indicative of a probability that a purchase will invoke a negative user action.

公开(公告)号：US11551202B1

公开(公告)日：2023-01-10

申请号：US16542107

申请日：2019-08-15

Applicant: Stripe, Inc.

Inventor： Steven Henry Noble

IPC: G06Q40/00 ,  G06Q20/36 ,  G06Q20/32 ,  G06Q20/34

Abstract: Method to generate onboarding flow for application starts with on-boarding server receiving request from electronic device to activate application. On-boarding server determines whether request is initial request. Request is determined to be initial request when minimal set of information associated with user is not stored in on-boarding server. When request is determined to be initial request, on-boarding server signals to electronic device to display request for minimal set of information associated with user which includes at least one of: user identification, legal name, phone number, or email address. Minimal set of information associated with user is then received and stored in on-boarding server. On-boarding server signals to allow initial access to application. Signaling to allow initial access includes signaling that user requires access to payment processing hardware to process user's physical payment instrument. On-boarding server receives default payment information entered using payment processing hardware. Other embodiments are also described.

公开(公告)号：US11551193B2

公开(公告)日：2023-01-10

申请号：US15892290

申请日：2018-02-08

Applicant: Stripe, Inc.

Inventor： Christopher Continanza ,  Shreyas Surendra Doshi ,  Brian David Krausz ,  Jay Shah

IPC: G06Q20/12 ,  G06Q20/08 ,  G06Q20/02 ,  G06Q20/36 ,  G06Q20/22

Abstract: Disclosed embodiments provide systems, methods, and apparatuses for facilitating transfers between user commerce accounts associated with a merchant of a commerce platform within a computing environment supported by a processor and a memory to execute such functionality. An exemplary system may include a means for creating a merchant account platform at the payment system; creating a single charge from a customer at the merchant account platform; creating multiple transfers from the merchant account platform to different connected accounts, wherein the multiple transfers are to each transfer a sub-portion of proceeds associated with the single charge from the customer to each of the different connected accounts; performing the single charge from the customer to the merchant account platform; and performing each of the multiple transfers from the merchant account platform to the different connected accounts. Other embodiments are also disclosed.

公开(公告)号：US20220398584A1

公开(公告)日：2022-12-15

申请号：US17891707

申请日：2022-08-19

Applicant: Stripe, Inc.

Inventor： Jonathan Wall ,  Ross Favero ,  Eric Nelson Glass

IPC: G06Q20/40 ,  G06Q20/20 ,  G06Q20/38

Abstract: Embodiments of the invention include a method of performing a payment transaction comprising receiving transaction data by a PIN pad terminal from a point-of-sale terminal, and receiving tender from a customer, by the PIN pad terminal. Tender data and the transaction data are sent to a service gateway, by the PIN pad terminal. The service gateway collects metadata from the tender data and the transaction data. The tender data is sent by the PIN pad terminal to the point-of-sale terminal, which sends the tender data and the transaction data to a merchant gateway for approval or denial of the tender data. The tender data sent to the POS may be encrypted. The service gateway may provide customer and merchant analytics based on the metadata, as well as perform security/fraud checks, BIN management, PIN pad management. Systems are also disclosed.

公开(公告)号：US11501310B1

公开(公告)日：2022-11-15

申请号：US17314887

申请日：2021-05-07

Applicant: Stripe, Inc.

Inventor： Brian David Krausz ,  Jieren Chen ,  Shreyas Surendra Doshi ,  Michael Villar

IPC: H04W12/06 ,  G06Q20/40 ,  G06Q20/38 ,  H04L9/40 ,  H04W12/04

Abstract: A method and apparatus for authenticating a user commerce account associated with a merchant of a commerce platform are described. The method may include initiating authentication of the user commerce account associated with the merchant of the commerce platform from a commerce platform user interface of a user device, the user commerce account established for a user of the merchant. The method may also include sending an electronic message to a mobile device associated with the user account at the commerce platform, wherein the electronic message comprises an authentication code, and receiving the authentication code from the commerce platform user interface. Furthermore, the method may include generating an authentication key for the mobile device in response to matching the received authentication code with the sent authentication code and receiving a cookie provided from the commerce platform to the mobile device.

公开(公告)号：US11488173B1

公开(公告)日：2022-11-01

申请号：US16848271

申请日：2020-04-14

Applicant: Stripe, Inc.

Inventor： Jonathan Wall ,  Ross Favero ,  Eric Nelson Glass ,  Joseph R. Koenig

IPC: G06Q20/40 ,  G06Q20/34 ,  G06Q30/06 ,  G06Q20/20

Abstract: Method and system of performing transactions with a payment card in a managed integrated payment environment comprising an integrated circuit are disclosed comprising interacting with an integrated circuit on a received payment card to obtain card data by a payment terminal and determining whether full online transaction processing of the card data is required. If full online transaction processing of the card data is required, the card data is sent to a point-of-sale terminal, which sends the card data and a transaction total for the transaction to a merchant gateway, which obtains approval or denial of the transaction. The approval or denial is provided to the PIN pad by the merchant gateway via the point-of-service terminal. The PIN pad also receives transaction data and sends the transaction data and card data to a services processor to collect metadata, perform fraud and security checks, and/or encrypt the card data.

公开(公告)号：US11410180B2

公开(公告)日：2022-08-09

申请号：US16912107

申请日：2020-06-25

Applicant: Stripe, Inc.

Inventor： Carl Jackson ,  Robert Ying ,  Usman Masood

IPC: G06Q20/40 ,  G06F16/23 ,  G06F16/28 ,  G06Q40/02 ,  G06Q20/10 ,  G06K7/14 ,  G06Q50/26 ,  G06K7/10 ,  G06Q50/06

Abstract: In an example embodiment, a method for updating a database with dimensional balancing comprises receiving a transaction request to transfer a portion of a first balance from the first balance to a second balance; determining a subset of the first balance less than or equal to the portion in the first balance compliant with dimensional rules based on one or more attributes of the subset and an identifier of an account holding the second balance; moving the determined subset from the first balance to the second balance; and updating attributes of the moved subset in the second balance.

公开(公告)号：US11372933B2

公开(公告)日：2022-06-28

申请号：US16576400

申请日：2019-09-19

Applicant: Stripe, Inc.

Inventor： Eduardo Serrano ,  Jenan Wise ,  Yue Bu

IPC: G06Q30/06 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q20/12 ,  G06F16/95 ,  H04L67/02

Abstract: A system and method for a commerce platform system conducting a transaction with a customer system of a merchant system. The method may include receiving, over a communications network from the customer system, a request to purchase a product offered for sale by the merchant system, the request to purchase the product generated within a user interface presented to the customer system by the merchant system. The method may also include redirecting the customer system to a payment page served by the commerce platform system, wherein the payment page presents the product of the merchant for purchase by the customer system. Furthermore, the method may include clearing, with one or more authorization network systems, the purchase of the product from the payment page by the customer system, and redirecting the customer system back to a second user interface provided to the customer system by the merchant system.