Patents Assigned to STRIPE, INC.
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Publication number: 20250117802Abstract: A method and apparatus for performing privacy preserving fraud detection in network based transactions are described. The method may include receiving a fraud detection message during a transaction between a user system and a merchant system, the message having a set of cryptographically transformed universal resource locator (URL) components generated from a URL of a web page of the merchant system on which the transaction is to occur. The method may also include generating one or more secure and anonymous fraud detection features, each fraud detection feature comprising a select subset of the cryptographically transformed URL components. The method may also include performing fraud detection for the web page using the one or more secure and anonymous fraud detection features to determine a likelihood that fraud is occurring in the transaction.Type: ApplicationFiled: December 18, 2024Publication date: April 10, 2025Applicant: Stripe, Inc.Inventors: Ryan Drapeau, Feiyi Ouyang, Mathieu Hofman
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Patent number: 12265521Abstract: Described herein are systems and methods to use modeling techniques to identify gradual changes in various metrics identified as a result of analyzing an aggregated transaction dataset. In one method, a computer model dynamically slice the data using an attribute, calculates an entropy value for using a rolling time window, and uses the entropy value to identify anomalous behavior. The model may use information gain to determine whether to further segmented the data slice into smaller data slices. The model may iteratively slice and analyze the data until a data slice corresponding to the root cause is determined. The model may then traverse the hierarchy of data slices and combine the data slices until an optimized combined data slice. The model may train a machine learning component, such as a booted tree algorithm, to optimize its traversal of the hierarchy of data slices.Type: GrantFiled: November 29, 2023Date of Patent: April 1, 2025Assignee: Stripe, Inc.Inventors: Hung Fuk Lee, Brooke Bane-Herzog, Jacob Meltzer, Ross Kravitz
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Patent number: 12248962Abstract: The present disclosure is directed to models for predicting customer behavior, including the use or adoption of products by current customers and prospective customers of a service platform offering multiple service products.Type: GrantFiled: June 13, 2023Date of Patent: March 11, 2025Assignee: STRIPE, INC.Inventors: Huashuai Qu, Manasij Venkatesh
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Patent number: 12248398Abstract: In an example embodiment, a solution is provided that balances between speed of access and capabilities of an accessed file. More specifically, the concept of a service worker is introduced. The service worker has the ability to intercept requests, such as HTTP requests, for file and to modify them, if necessary. By acting as a middleman between the web browser instance and the web server, the service worker is able to elect to choose to either request versions of files in the cache or to allow the older versions of the files in the cache to remain and be used, balancing between the need for timely responses to requests for files and the need to have updated versions of the files be used. It can then modify web requests from the web browser (such as from web workers of a browser context) as needed to accomplish the aforementioned balance.Type: GrantFiled: November 16, 2022Date of Patent: March 11, 2025Assignee: Stripe, Inc.Inventor: Miguel Jimenez Esun
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Patent number: 12242595Abstract: Various embodiments described herein support or provide for data management operations, such as receiving a request to access a webpage; determining that accessing the webpage requires secure access via a secure browser; identifying a virtual machine that is configured to allow access to the webpage; and causing display of the webpage in the secure browser embedded in a local browser of the sender device.Type: GrantFiled: November 2, 2022Date of Patent: March 4, 2025Assignee: Stripe, Inc.Inventor: Akshay Joshi
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Patent number: 12242465Abstract: A method and apparatus for updating data router nodes in a distributed storage system are described. The method can include querying, by a first database agent of a database node, a cache data store for health status metrics of the cache data store. The method can also include storing, by the first database agent of the database node, the health status metrics in a data repository. Furthermore, the method can include obtaining, by a second database agent of a router node, the health status metrics from the data repository, and updating, by the second database agent of the router node, a database topology file based on the health status metrics.Type: GrantFiled: June 26, 2023Date of Patent: March 4, 2025Assignee: STRIPE, INC.Inventors: Hemal Shah, Shashi Madappa, Karan Vohra
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Patent number: 12235924Abstract: In an example embodiment, a shared worker object is used in a web browser to synchronize data across tabs in the web browser, without relying upon a web server to perform or coordinate that synchronization. More particularly, each browsing context includes a web page and zero or more web worker objects, each web worker object corresponding to a different module of the web page. The zero or more web worker objects in each web page user interface are then configured to communicate with a single shared worker, through which all data requests and data changes are sent. The single shared worker forwards data requests and data changes to the web server, but also tracks such data requests and then automatically updates any browsing context that requested a particular piece of data in the past with a change that occurred to that particular piece of data.Type: GrantFiled: November 16, 2022Date of Patent: February 25, 2025Assignee: STRIPE, INC.Inventor: Miguel Jimenez Esun
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Patent number: 12236259Abstract: The subject technology performs a transaction locally at a computing node. The subject technology determines that the transaction has been completed. The subject technology determines a set of immutable attributes from the completed transaction. The subject technology generates an aggregate identifier based on the set of immutable attributes. The subject technology publishes the generated aggregate ID. The subject technology stores the published aggregate ID to an external storage location.Type: GrantFiled: November 9, 2021Date of Patent: February 25, 2025Assignee: STRIPE, INC.Inventors: Xin Li, Ben Xiang, Stephen Chen
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Patent number: 12235918Abstract: Systems and methods are provided for filtering and/or creating Points-of-Interest (POIs). In one embodiment, a list of POIs is obtained and then filtered based on crowd data related to the list of POIs to provide a filtered list of POIs. In another embodiment, one or more crowd-sourced POIs are created based on one or more crowds relevant to a corresponding bounding region for POI creation.Type: GrantFiled: December 6, 2019Date of Patent: February 25, 2025Assignee: STRIPE, INC.Inventors: Steven L. Petersen, Scott Curtis, Kenneth Jennings
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Patent number: 12222839Abstract: In an example embodiment, interactions among services in a service proxy are recorded in an interaction log. A service graph manager then parses the interaction log. The service graph manager reads each interaction and then processes the interaction to determine if it violates the rules. If so, the service graph manager reports the violation to the software developer and also recommends an action to remedy the violation. In an example embodiment, this recommendation takes the form of an indication of which files to modify to allow the service interaction (e.g., which rule(s) to modify to ensure that the service interaction is not a violation). The software developer can then approve the proposed action, which can then be automatically implemented to ensure that once the service is sent to a quality assurance environment there will be no rules violation from the corresponding interaction(s).Type: GrantFiled: July 26, 2022Date of Patent: February 11, 2025Assignee: Stripe, Inc.Inventors: Sydney Zheng, Soam Vasani
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Patent number: 12222925Abstract: A method and apparatus for verifying integrity of search system data is described. The method may include accessing a first and second snapshot of search system data, the search system data in each snapshot including transaction data generated by a commerce platform system in response to transactions performed by the commerce platform system. The method may also include accessing an operation log of operations performed on the transaction data during a time between when the first snapshot was generated and a time when the second snapshot was generated. Furthermore, the method may include transforming the transaction data from the first snapshot based on the operations in the operation log to generate validated transaction data in a validated second snapshot, and determining a reliability of the transaction data at the second time period based on a comparison of transaction data from the second snapshot with the validated transaction data from the validated second snapshot.Type: GrantFiled: May 25, 2021Date of Patent: February 11, 2025Assignee: Stripe, Inc.Inventors: Ritesh Kumar, Priyanka Raju
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Patent number: 12210596Abstract: Methods and systems for installing and running an application for a terminal are described. The method may include uploading an application to an application store. The method may also include downloading, by a terminal, the application from the application store, wherein the terminal is connected to the application store by a network. Furthermore, the method may include authorizing, by a terminal management server (TMS) coupled to the terminal and the application store via the network, the terminal to install and run the downloaded application.Type: GrantFiled: September 29, 2023Date of Patent: January 28, 2025Assignee: STRIPE, INC.Inventors: Hwai Sian Tsai, Chi Wah Lo
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Patent number: 12212681Abstract: A method and apparatus for using cryptographically signed secure identifiers to detect fraud during network based transactions are described. The method may include receiving a transaction from a user device, the transaction comprising a secure identifier purported to be associated with the user device, and the transaction further comprising transaction data. The method may also include extracting a first identifier and a second identifier from the secure identifier purported to be associated with the user device, and then regenerating a true second identifier using the first identifier. Furthermore, when it is determined that the true second identifier matches the second identifier extracted from the secure identifier purported to be associated with the user device, the method may include determining that the secure identifier is valid, and processing the transaction based at least in part on the determination that the secure identifier is valid.Type: GrantFiled: December 22, 2020Date of Patent: January 28, 2025Assignee: STRIPE, INC.Inventors: Ryan Drapeau, Leela Senthil Nathan, Kefeng Chen, Ryan Koven, Joseph Kirwin
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Patent number: 12204933Abstract: In an example embodiment, rate limiting is performed at the instance level (i.e., locally), but utilizing throughput statistics of other instances. These statistics may be measured locally by each instance and then transmitted to a central store, where they are aggregated. Each instance is then able to asynchronously request the aggregated statistics from the central store and use this information to manage the parameters of its own local rate limiter.Type: GrantFiled: July 30, 2021Date of Patent: January 21, 2025Assignee: STRIPE, INC.Inventors: Yoav Srebrnik, Brandon Farrell, Davin Bogan
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Patent number: 12205119Abstract: A method and apparatus for performing privacy preserving fraud detection in network based transactions are described. The method may include receiving a fraud detection message during a transaction between a user system and a merchant system, the message having a set of cryptographically transformed universal resource locator (URL) components generated from a URL of a web page of the merchant system on which the transaction is to occur. The method may also include generating one or more secure and anonymous fraud detection features, each fraud detection feature comprising a select subset of the cryptographically transformed URL components. The method may also include performing fraud detection for the web page using the one or more secure and anonymous fraud detection features to determine a likelihood that fraud is occurring in the transaction.Type: GrantFiled: July 22, 2021Date of Patent: January 21, 2025Assignee: STRIPE, INC.Inventors: Ryan Drapeau, Feiyi Ouyang, Mathieu Hofman
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Patent number: 12204883Abstract: The disclosure generally describes one or more techniques for supporting deployment of application extensions for a client system.Type: GrantFiled: January 6, 2023Date of Patent: January 21, 2025Assignee: Stripe, Inc.Inventors: Gabriel Hurley, Timothy James Fontaine, Julia Chaves, Justin Tulloss, Kenneth Auchenberg, Sandhya Jagannath
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Patent number: 12204953Abstract: A method for preventing race conditions in a database comprises: setting a first numerical entry and a second numerical entry in a database; receiving a first online transaction; responsive to determining a lock of the database is in progress due to a second received online transaction, suspending the first online transaction; removing the lock after the second received online transaction is completed; responsive to determining that the first entry is greater than zero, decrementing the first entry by an amount indicated in the first online transaction; responsive to determining the second entry is greater than zero, decrementing the second entry; processing the first transaction; and generating an online transaction record for the first transaction and storing the generated record in an online transaction database.Type: GrantFiled: February 1, 2022Date of Patent: January 21, 2025Assignee: STRIPE, INC.Inventors: Peter Wang, Alexander Thiemann, Adam Eagle, Hongshan Zhou, Ji Huang
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Patent number: 12207018Abstract: An electronic device can be synchronized with a broadcast of a live sporting event to obtain supplemental sports data over a data network from a server storing data associated with the live sporting event. Supplemental sports data is obtained from the server for display on the electronic device following a triggering activity associated with the broadcast of the live sporting event. Supplemental sports data can be transmitted for rendering on a display associated with the electronic device. Supplemental sports data can include display of an instant replay video of a sports athlete combined with audio of a pre-recorded statement by the sports athlete associated with the instant replay video, an announcement of a score change for a sporting event monitored by the electronic device, and a display of a football widget providing updates on football game status (e.g., possession, ball location, current score) monitored by the electronic device.Type: GrantFiled: June 29, 2023Date of Patent: January 21, 2025Assignee: Stripe, Inc.Inventors: Anthony F. Verna, Luis M. Ortiz
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Patent number: 12199991Abstract: A method and apparatus for performing multi-factor authentication of a merchant system by a commerce platform are described. The method may include authenticating the commerce platform to a cloud services provider, the cloud services provider providing a private communications network for use by the commerce platform and the merchant system. The method may also include receiving, by the commerce platform, an authentication request from the merchant system, wherein the request received from the merchant system originates from the private communications network provided by the cloud services provider, and wherein the authentication request uses an encryption key.Type: GrantFiled: July 13, 2023Date of Patent: January 14, 2025Assignee: Stripe, Inc.Inventor: Yoav Podemsky
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Patent number: 12198200Abstract: A method and apparatus is described for performing transaction tracing. The method may include mapping one or more funds flow transactions into each account to one or more funds flow transactions out of said each account based on a first-in-first-out ordering. The method may also include generating an initial graph from the mappings of the transactions for each said account. Furthermore, the method may include transforming the initial graph to a function graph, wherein the functional graph is a directed pseudoforest where each node has an out degree of at most one. Then, the method may include for a node in the functional graph, performing a trace of the transaction generating a set of transactions that contributed to the transaction.Type: GrantFiled: December 4, 2023Date of Patent: January 14, 2025Assignee: Stripe, Inc.Inventors: Robert Ying, Cale Horeff, Miguel Flores, Jeremiah Clemenson, Andy Zhang