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公开(公告)号：US20240346105A1
公开(公告)日：2024-10-17
申请号：US18751155
申请日：2024-06-21
Applicant: Stripe, Inc.
Inventor： Gabriel HURLEY , Julia CHAVES , Peter YAWORSKI , Fred KUO , Konstantin TENNHARD , Jorge Eugenio AGUIRRE GONZALEZ
IPC: G06F16/957 , G06F16/958 , G06F21/60
CPC classification number: G06F16/9577 , G06F16/958 , G06F21/604 , G06F2221/2149
Abstract: In some embodiments, an electronic device is configured to transmit a first request for an account session key, receive the account session key associated with a first set of permissions corresponding to the embedded interface element and a second set of permissions corresponding to the embedded app, transmit a second request for an embedded app key, receive the embedded app key associated with a third set of permissions corresponding to the embedded app, and proxy communications between the embedded interface element and the processor server, based on the account session key associated with the first set of permissions, and between the embedded app and the processor server, based on the embedded app key associated with the third set of permissions.
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公开(公告)号：US20240330897A1
公开(公告)日：2024-10-03
申请号：US18735539
申请日：2024-06-06
Applicant: STRIPE, INC.
Inventor： Hwai Sian Tsai , Chi Wah Lo
CPC classification number: G06Q20/353 , G06Q20/3829 , G06Q20/4012
Abstract: A system to indicate to a user to enter a personal identification number (PIN) on a commercial off the shelf (COTS) device, the system comprising: a secure card reader communicatively coupled to the COTS device, and wherein the secure card reader receives a payment card; a payment application installed on the COTS device; and one or more devices other than the COTS device. The payment application installed on the COTS device transmits one or more prompts to the one or more devices other than the COTS device based on a set of signals received from the secure card reader. The secure card reader transmits the set of signals after the payment card is received at the secure card reader, and the one or more prompts comprise at least one indication to the user to enter the PIN on a display of the COTS device.
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83.发明公开公开(公告)号：US20240296444A1
公开(公告)日：2024-09-05
申请号：US18143421
申请日：2023-05-04
Applicant: Stripe, Inc.
Inventor： Patrick COLLISON , John B. COLLISON , Greg D. BROCKMAN , Saikat CHAKRABARTI , Ross A. BOUCHER
CPC classification number: G06Q20/3829 , G06Q20/102 , G06Q20/385 , G06Q20/4097
Abstract: A transaction is conducted between a merchant site and a customer's electronic device using a payment processor. The merchant site is associated with a client-side application and a server-side application. The client-side application executes on the customer's electronic device. The client-side application electronically sends payment information retrieved from the customer's electronic device to the payment processor. The client-side application does not send the payment information to the server-side application. The payment processor creates a token from the payment information sent by the client-side application. The token functions as a proxy for the payment information. The payment processor electronically sends the token to the client-side application. The client-side application electronically sends the token to the server-side application for use by the server-side application in conducting the transaction. The payment information can thus be used by the server-side application via the token without the server-side application being exposed to the payment information.
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公开(公告)号：US20240273538A1
公开(公告)日：2024-08-15
申请号：US18647158
申请日：2024-04-26
Applicant: Stripe, Inc.
Inventor： Charlotte Gils , Efstathios Vafeias
IPC: G06Q20/40 , G06V10/774 , G06V10/82 , G06V20/00 , G06V30/41
CPC classification number: G06Q20/4016 , G06V10/774 , G06V10/82 , G06V20/95 , 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. The method may also include processing, by a single machine learning model, subsets of the decoded image data used as corresponding inputs to each of a set of machine learning model backbones of the single machine learning model that generate one or more intermediate signals indicative of whether a subset of the extracted image data input into said each machine learning model backbone is associated with a fraudulent identity document. The method may also include processing, by a second machine learning model backbone that generates a final score indicative of whether the document image depicts a fraudulent identity document, at least one or more intermediate signals.
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公开(公告)号：US20240232409A1
公开(公告)日：2024-07-11
申请号：US18094229
申请日：2023-01-06
Applicant: STRIPE, INC.
Inventor： Timothy James Fontaine , Kenneth Auchenberg , Jonathan Byrum , Andrew Ryan Shelansky , Mark Joseph Cavage
CPC classification number: G06F21/6218 , G06F21/604
Abstract: Aspects of the present disclosure relate to systems and methods for managing access to data in a cloud-based software platform. A first cloud-based software application running on the cloud-based software platform and connected to a user account generates first data associated with the user account, where the first data is structured in accordance with a first data schema. This first data is stored in a cloud data store in association with the user account, where access to the data by a second cloud-based software application connected to the user account is subject to access permissions specified by the first data schema.
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Patent Agency Ranking
公开(公告)号：US20240214227A1
公开(公告)日：2024-06-27
申请号：US18086626
申请日：2022-12-21
Applicant: Stripe, Inc.
Inventor： Ji HUANG , Yu-Ting TSAI
IPC: H04L9/32 , H04L9/08 , H04L67/147
CPC classification number: H04L9/3297 , H04L9/0825 , H04L67/147
Abstract: The disclosure generally describes one or more techniques for authenticating a webhook endpoint with a webhook server. Some techniques include a webhook server sending a seed with a webhook endpoint after the webhook endpoint is registered with the webhook server. In some examples, the webhook server generates the seed to send to the webhook endpoint and stores the seed with a key associated with the webhook endpoint. In such examples, the webhook server does not send data associated with the particular events to the webhook endpoint until the webhook endpoint acknowledges receipt of the seed while the seed is still valid.
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公开(公告)号：US12008428B2
公开(公告)日：2024-06-11
申请号：US18202522
申请日：2023-05-26
Applicant: Stripe, Inc.
Inventor： Hwai Sian Tsai , Chi Wah Lo
IPC: G06K7/10
CPC classification number: G06K7/10297 , G06K7/10316
Abstract: A reader device for attachment to a smart device comprising a display, the reader comprising an antenna, processing and reading circuitry, and a communications module, wherein the antenna, the processing and reading circuitry, the processor and the communications module are coupled to each other, and whereby the antenna encloses said display. When a card is tapped on the display, the antenna receives a signal and transmits the signal to the processing and reading circuitry. The processing and reading circuitry processes the signal to produce data, and the produced data is transmitted to a device external to the reader device by the communications module.
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公开(公告)号：US11997098B2
公开(公告)日：2024-05-28
申请号：US17975316
申请日：2022-10-27
Applicant: Stripe, Inc.
Inventor： Pranav Dandekar , Peter Lofgren , Ashish Goel
CPC classification number: H04L63/102 , G06F21/50 , G06F15/16 , H04L63/0263
Abstract: Described herein are systems and methods for predicting a metric value for an entity associated with a query node in a graph that represents a network. In embodiments, using a user's profile as the query node, a metric about that user may be estimated based, at least in part, as a function of how well connected the query node is to a whitelist of “good” users/nodes in the network, a blacklist of “bad” users/nodes in the network, or both. In embodiments, one or more nodes or edges may be weighted when determining a final score for the query node. In embodiments, the final score regarding the metric may be used to take one or more actions relative to the query node, including accepting it into a network, allowing or rejecting a transaction, assigning a classification to the node, using the final score to compute another estimate for a node, etc.
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公开(公告)号：US11995714B1
公开(公告)日：2024-05-28
申请号：US17475215
申请日：2021-09-14
Applicant: STRIPE, INC.
Inventor： Mengjie Ding , Bo Xu , Yaakov Erlichman
Abstract: Systems and methods for implementing a machine learning loan portfolio loss forecasting system are provided. A current state of active loans of a loan portfolio during a first time period of a set of time periods may be determined. For each of the set of time periods, a roll rate of the active loans from each delinquency state to a subsequent delinquency state may be determined based on historical data of the loan portfolio. The machine learning model may then, iteratively, for each subsequent time period, determine a percentage of the active loans that will transition to each of the set of delinquency states during the subsequent time period based on a current state of the active loans during a previous time period and the roll rate from each delinquency state to a subsequent delinquency state for the subsequent time period.
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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.
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