Patents Assigned to STRIPE, INC.
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Patent number: 10949822Abstract: In embodiments, methods and systems for implementing payment interface services using a payment platform are provided. Multiple payments types are integrated into the payment platform to support customer payments for merchants. The payment platform identifies payment types that are relevant to a customer based on receiving an indication to personalize payment types for the customer, and on customer data resources that are accessed. One or more relevant payment types are determined based on the information of the customer. The payment types for the customer are determined from a plurality of payment types supported via the payment platform that supports customer payment type personalization. A payment type from the one or more payment types relevant to the customer is automatically chosen or explicitly chosen by the customer, such that a corresponding payment type provider authenticates the customer in order to complete the transaction.Type: GrantFiled: March 25, 2016Date of Patent: March 16, 2021Assignee: STRIPE INC.Inventors: Christian Anderson, Stanislas Polu
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Patent number: 10867334Abstract: In embodiments, methods and systems for order management and processing based on a distributed commerce platform are provided. A distributed commerce platform supports end-to-end integrated product publication, order-management and payment services. In particular, the distributed commerce platform supports components based on Application Programming Interfaces (API) that standardize the implementation of a distributed commerce solution or configuration of off-site buying experiences. Using the distributed commerce platform, merchants can concurrently offer, sell, and process orders for products through a plurality of different affiliate channels. The distributed commerce platform can also be implemented as a federated portal from which a merchant can identify affiliate channels to publish product objects, access the plurality of affiliate channels and define configurations for processing objects of the merchant's distributed commerce solution.Type: GrantFiled: August 12, 2015Date of Patent: December 15, 2020Assignee: STRIPE, INC.Inventors: Siddarth Chandrasekaran, John Brochan Collison, Cristina Joelle Cordova, James William Danz, Stanislas Vincent Francois Polu, Devesh Senapati
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Patent number: 10867303Abstract: Systems, methods, and apparatuses for implementing user customizable risk management tools with statistical modeling and a recommendation engine within a computing environment are provided. A system may include, for example, means for evaluating the performance of a user rule for fraud prevention, in which the system receives a plurality of purchase transactions for the user; analyzes each purchase transaction received to generate a fraud likelihood score; receives the rule that specifies conditions when the system is to accept or reject transactions regardless of the fraud likelihood score generated by the system; transmits a historical analysis to the user based on the received rule; receives an input from the user to activate the rule; monitors performance of the rule; and transmits a recommendation to the user to retain or cancel the activated rule based on the monitored performance. Other related embodiments are disclosed.Type: GrantFiled: October 18, 2017Date of Patent: December 15, 2020Assignee: STRIPE, INC.Inventors: Michael Manapat, Isaac Hepworth, Tara Sheehan, Mike Towber
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Publication number: 20200242492Abstract: Embodiments herein use transfer learning paradigms to facilitate classification across entities without requiring the entities access to the other party's sensitive data. In one or more embodiments, one entity may train a model using its own data (which may include at least some non-shared data) and shares either the scores (or an intermediate representation of the scores). One or more other parties may use the scores as a feature in its own model. The scores may be considered to act as an embedding of the features but do not reveal the features. In other embodiments, parties may be used to train part of a model or participate in generating one or more nodes of a decision tree without revealing all its features. The trained models or decision trees may then be used for classifying unlabeled events or items.Type: ApplicationFiled: January 25, 2019Publication date: July 30, 2020Applicant: Stripe, Inc.Inventors: Ashish GOEL, Peter LOFGREN
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Publication number: 20200117686Abstract: Embodiments of the present disclosure include systems and methods for identifying people in an image that contains more than one images of people. In embodiments, a query feature representation that represents features is extracted from each image of a person. In embodiments, each query feature representation is compared to image feature representations in a database and a set of candidate representations is selected among the image feature representations. Then, a set of user accounts that is associated with the set of candidate representations is selected. The strengths of connection in a network between user accounts in a set of candidate user accounts corresponding to an image and user accounts in a different set of candidate user accounts corresponding to a different image may be determined. In embodiments, user accounts that has the highest strength of connection are selected and used to identify the persons corresponding to the images.Type: ApplicationFiled: December 11, 2019Publication date: April 16, 2020Applicant: Stripe, Inc.Inventors: Pranav Dandekar, Ashish Goel, Peter Lofgren
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Patent number: 10552471Abstract: Embodiments of the present disclosure include systems and methods for identifying people in an image that contains more than one face images. In embodiments, a query feature vector that represents features is extracted from each face image. In embodiments, each query feature vector is compared to image feature vectors in a database and a set of candidate vectors is selected among the image feature vectors. Then, a set of user accounts that is associated with the set of candidate vectors is selected. The strengths of connection in a network between user accounts in a set of candidate user accounts corresponding to a face image and user accounts in a different set of candidate user accounts corresponding to a different face image may be determined. In embodiments, user accounts that has the highest strength of connection are selected and used to identify the persons corresponding to the face images.Type: GrantFiled: April 21, 2017Date of Patent: February 4, 2020Assignee: Stripe, Inc.Inventors: Pranav Dandekar, Ashish Goel, Peter Lofgren
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Publication number: 20200036721Abstract: 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.Type: ApplicationFiled: October 4, 2019Publication date: January 30, 2020Applicant: Stripe, Inc.Inventors: Pranav Dandekar, Peter Lofgren, Ashish Goel
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Patent number: 10484427Abstract: In embodiments, methods and systems for implementing configuration management are provided. A configuration management system facilitates processing and preserving configurations associated with a software infrastructure. The software infrastructure operates as a co-located environment, high availability environment, disaster recovery environment or migration environment. The configuration management system specifically maintains implementation of firewall configurations for a source computing environment and a destination computing environment. The source computing environment communicates with the destination computing environment using a communication channel via an untrusted network. The configuration management system includes a leader component that accesses the firewall configurations, from the source computing environment, transforms the firewall configurations to a transformed version and communicates the transformed version to the destination computing environment.Type: GrantFiled: July 11, 2016Date of Patent: November 19, 2019Assignee: STRIPE INC.Inventors: Richard Healey, Andrew Brody
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Patent number: 10469504Abstract: 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.Type: GrantFiled: September 8, 2017Date of Patent: November 5, 2019Assignee: Stripe, Inc.Inventors: Pranav Dandekar, Peter Lofgren, Ashish Goel
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Publication number: 20190272412Abstract: Aspects of the current disclosure include systems and methods for identifying an entity in a query image by comparing the query image with digital images in a database. In one or more embodiments, a query feature may be extracted from the query image and a set of candidate features may be extracted from a set of images in the database. In one or more embodiments, the distances between the query feature and the candidate features are calculated. A feature, which includes a set of shortest distances among the calculated distances and a distribution of the set of shortest distances, may be generated. In one or more embodiments, the feature is input to a trained model to determine whether the entity in the query image is the same entity associated with one of the set of shortest distances.Type: ApplicationFiled: May 16, 2019Publication date: September 5, 2019Applicant: Stripe, Inc.Inventors: Pranav Dandekar, Ashish Goel, Peter Lofgren, Matthew Fisher
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Patent number: 10404476Abstract: 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.Type: GrantFiled: December 28, 2018Date of Patent: September 3, 2019Assignee: STRIPE, INC.Inventors: Carl Jackson, Bryan Berg, David Terrance Bartley, Evan Broder
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Patent number: 10394554Abstract: In embodiments, methods and systems for implementing source code extraction are provided. Source code extraction facilitates processing obfuscated byte code and extracting source code representations of original source code of applications. Source code extraction is implemented based on leveraging and monitoring an interpreter (e.g., a software interpreter running on a virtual machine) when portions of obfuscated byte code (i.e., obfuscated compiled version of source code) are loaded or executed using the interpreter. In operation, the obfuscated byte code is accessed at the interpreter. The interpreter, processing the obfuscated byte code, is monitored using a source code extraction manager that supports instrumentation instances associated with functions of the obfuscated byte code. Instruction sequences of functions that the interpreter is processing are recorded using the source code extraction manager.Type: GrantFiled: September 8, 2017Date of Patent: August 27, 2019Assignee: STRIPE, INC.Inventor: Richard Healey
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Patent number: 10395241Abstract: 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.Type: GrantFiled: August 17, 2016Date of Patent: August 27, 2019Assignee: STRIPE, INC.Inventor: Steven Henry Noble
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Patent number: 10395254Abstract: 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.Type: GrantFiled: September 21, 2017Date of Patent: August 27, 2019Assignee: STRIPE, INC.Inventors: Brian David Krausz, Jieren Chen, Shreyas Surendra Doshi, Michael Villar
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Patent number: 10380665Abstract: A method and apparatus for a commerce platform coordinating a purchase of a product sold by a merchant system through a third party application are described. The method may include receiving a notification from the third party application requesting to purchase a product from within the third party application, wherein the notification comprises an identifier for the product and an identifier for the merchant system that sells the product. The method may also include a product checkout interface having an appearance consistent with an appearance of a user interface of the third party application, and transmitting the product checkout interface generated by the commerce platform to a user device executing the third party application causing the third party application to render the product checkout interface within at least a portion of the user interface of the third party application.Type: GrantFiled: March 19, 2018Date of Patent: August 13, 2019Assignee: STRIPE, INC.Inventors: Rasmus Rygaard, Devesh Kumar Senapati, Christopher Ross Continanza, James William Danz
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Patent number: 10311288Abstract: Aspects of the current disclosure include systems and methods for identifying a person in a query image by comparing the query image with digital images in a face database. In embodiments, a query feature vector may be extracted from the query image and a set of candidate feature vectors may be extracted from a set of images in the face database. In embodiments, the distances between the query feature vector and the candidate feature vectors are calculated. A feature vector, which includes a set of shortest distances among the calculated distances and a distribution of the set of shortest distances, may be generated. In embodiments, the feature vector is input to a trained decision tree to determine whether the person in the query image is the same person associated with one of the set of shortest distances.Type: GrantFiled: March 24, 2017Date of Patent: June 4, 2019Assignee: Stripe, Inc.Inventors: Pranav Dandekar, Ashish Goel, Peter Lofgren, Matthew Fisher
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Patent number: 10193697Abstract: 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.Type: GrantFiled: May 14, 2018Date of Patent: January 29, 2019Assignee: STRIPE, INC.Inventors: Carl Jackson, Bryan Berg, David Terrance Bartley, Evan Broder
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Patent number: 10134036Abstract: 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.Type: GrantFiled: October 24, 2017Date of Patent: November 20, 2018Assignee: STRIPE, INC.Inventors: Patrick Collison, John B. Collison, Greg D. Brockman, Saikat Chakrabarti, Ross A. Boucher
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Patent number: D831679Type: GrantFiled: October 3, 2017Date of Patent: October 23, 2018Assignee: STRIPE, INC.Inventor: Philipp Antoni
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Patent number: D890771Type: GrantFiled: October 3, 2017Date of Patent: July 21, 2020Assignee: STRIPE, INC.Inventor: Philipp Antoni