Patents Assigned to STRIPE, INC.
  • Patent number: 12132630
    Abstract: A method and system for performing a movement of a service within a distributed system. In one embodiment, the method comprises determining one or more locations where the service is to be moved. The method further comprises for each of the one or more locations, computing a metric including a cross-cell cost (C-cost) or a data locality-cost (DL-cost) of the software service if a movement of the software service to a location was to occur, prior to performing the movement of the software service; and modelling a latency and availability of the system due to the movement of the software service to the location based on the metric. The method further comprises performing the movement of the service based on the modelled latency and availability of the system.
    Type: Grant
    Filed: December 2, 2021
    Date of Patent: October 29, 2024
    Assignee: STRIPE, INC.
    Inventors: Ray Morgan, Alessandro Catorcini, Isaac Diamond
  • Patent number: 12125010
    Abstract: A method comprises: displaying a first code snippet from a first code in a first panel; displaying an annotation related to the first code snippet in a second panel; receiving a code customization request; customizing the first code snippet in response to the request; displaying a preview of executing the code having the customized first code snippet in a preview window; inserting and running the code having the customized first code snippet in an application; and completing a transaction with the application running the first code with the customized first code snippet.
    Type: Grant
    Filed: March 29, 2021
    Date of Patent: October 22, 2024
    Assignee: Stripe, Inc.
    Inventors: Adrienne Dreyfus, Karolis Kosas, Jillian Wells
  • Patent number: 12125041
    Abstract: A contactless card reader comprises a contactless card reader front-end coupled to a processor. A communications module is coupled to the processor and a set of sensors is coupled to the processor. The set of sensors determines parameters related to the location, orientation and motion of the card reader. The processor receives the parameters from the set of sensors and utilizes the parameters and scenario configuration data to evaluate a rule. The result of the evaluation of the rule results in a limitation on the operation of the card reader. The communications module is configured to intermittently receive the scenario configuration data from external sources.
    Type: Grant
    Filed: May 4, 2023
    Date of Patent: October 22, 2024
    Assignee: Stripe, Inc.
    Inventors: Hwai Sian Tsai, Chi Wah Lo
  • Patent number: 12125084
    Abstract: 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: Grant
    Filed: June 27, 2023
    Date of Patent: October 22, 2024
    Assignee: STRIPE, INC.
    Inventors: Rasmus Rygaard, Devesh Kumar Senapati, Christopher Ross Continanza, James William Danz
  • Patent number: 12118529
    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.
    Type: Grant
    Filed: August 19, 2022
    Date of Patent: October 15, 2024
    Assignee: Stripe, Inc.
    Inventors: Jonathan Wall, Ross Favero, Eric Nelson Glass
  • Patent number: 12111822
    Abstract: A method comprises: setting an first entry and an second entry in a database; receiving a first online transaction; responsive to determining a lock of the database is in progress, suspending the first online transaction; updating the first entry; removing the lock; receiving a second online transaction; responsive to determining that the first field is greater than zero, decrementing the first field by an amount indicated in the second online transaction; and responsive to determining the second entry is greater than zero, decrementing the second entry.
    Type: Grant
    Filed: September 29, 2021
    Date of Patent: October 8, 2024
    Assignee: Stripe, Inc.
    Inventors: Peter Wang, Alexander Thiemann, Adam Eagle, Hongshan Zhou, Ji Huang
  • Patent number: 12099432
    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.
    Type: Grant
    Filed: January 6, 2023
    Date of Patent: September 24, 2024
    Assignee: Stripe, Inc.
    Inventors: Timothy James Fontaine, Kenneth Auchenberg, Gabriel Hurley, Justin Tulloss
  • Patent number: 12099837
    Abstract: This disclosure provides techniques for enabling developers to create a single implementation of an application that is accessible via different types of surfaces. For example, a developer can develop a single application and, based on how the developer defines parameters in a schema of the application, the corresponding user interfaces and features of the application can be used on different types of surfaces. Moreover, the single application can be made available to install via a hosted network and installed without regard to the type of surface that is being used to access the hosted network.
    Type: Grant
    Filed: January 6, 2023
    Date of Patent: September 24, 2024
    Assignee: Stripe, Inc.
    Inventors: Michael Julien Kovacs, Bowen Pan, Yuliya Gorlovetsky, Caitlyn M. Cawthron, Esther Lee, Dmitriy Gak, Gabriel Hurley, Katarzyna Babula, Timothy James Fontaine
  • Patent number: 12095773
    Abstract: In some embodiments, a computer system is described. In some embodiments, the computer system receives, from a client application, a first request to access a collection of applications associated with an operation, wherein the collection of applications is associated with at least one third-party entity. In some embodiments, the computer system receives a selection of an application associated with a third-party entity from the collection of applications. In some embodiments, in response to receiving the selection, the computer system identifies a set of data comprising an aggregation of data stored on a plurality of databases required to perform the operation associated with the application. In some embodiments, the computer system determines that the application has access to the aggregation of data. In some embodiments, the computer sends a request to perform the operation to the application. In some embodiments, the computer system receives a set of results based on the performance of the operation.
    Type: Grant
    Filed: January 6, 2023
    Date of Patent: September 17, 2024
    Assignee: Stripe, Inc.
    Inventors: Michael Julien Kovacs, Bowen Pan, Gabriel Hurley, Dmitriy Gak, Timothy James Fontaine, Yuliya Gorlovetsky, Mark Joseph Cavage, Brian Amaro
  • Patent number: 12086100
    Abstract: In an example embodiment, data in a multi-tenant database is organized as a graph representing the relationships among all documents and tenants. Specifically, each document is represented as a node in the graph and each tenant also is represented as a node. The relationships between the documents themselves, or between a document and a graph, are then represented as edges in the graph. A list of tenants whose data should be marked for deletion (e.g., former customers who no longer have a relationship with the entity maintaining the database) may be maintained. Periodically (e.g., once a week), this list of tenants and the relationship graph are fed as input into a graph search algorithm that generates smaller relationship graphs comprised only of documents associated with those accounts.
    Type: Grant
    Filed: February 9, 2021
    Date of Patent: September 10, 2024
    Assignee: STRIPE, INC.
    Inventors: Sheng Wang, Tuan Doan
  • Patent number: 12079604
    Abstract: In some embodiments, a computer system receives a request to render components of a webpage. In some embodiments, in response to receiving the request, a platform of the webpage loads a script element that creates an inline frame element and receives a secret token. In some embodiments, the computer system authenticates an embedded session within the platform using the secret token and generates an API key, wherein the API key is used by the inline frame element to authenticate API requests to an API server. In some embodiments, the computer system receives, via the inline frame element, data corresponding to the one or more embedded UI elements from a resource associated with a third-party entity, wherein the inline frame element is a proxy between the platform and the API server. In some embodiments, the computer system renders the one or more embedded UI elements in a shadow document object model.
    Type: Grant
    Filed: December 21, 2022
    Date of Patent: September 3, 2024
    Assignee: Stripe, Inc.
    Inventors: Fanyun Fang, Christopher Jeffrey Streeter, Jorge Eugenio Aguirre Gonzalez, Kevin Chekin Ho, Jason Gupta, Matthew Anthony Basta, Samuel De Jun Victor Lye
  • Publication number: 20240273524
    Abstract: Disclosed herein are systems and methods for generating and managing subscription using electronic transaction protocols in a blockchain-based system. In an embodiment, a system monitors one or more electronic transaction protocols deployed on a blockchain; detects an interaction by a decentralized wallet with a user interface element corresponding to a first electronic transaction protocol of the one or more electronic transaction protocols deployed on the blockchain; identifies one or more parameters of the subscription based on one or more inputs provided via the decentralized wallet, wherein the one or more parameters includes a time period of the subscription and a payment interval; and causes a first service provider to create or modify the subscription associated with a user of the decentralized wallet, wherein the causing further includes creating or modifying the subscription based on the one or more parameters.
    Type: Application
    Filed: February 10, 2023
    Publication date: August 15, 2024
    Applicant: Stripe Inc.
    Inventors: Sen Forest Fang, Brendan Ryan
  • Publication number: 20240273535
    Abstract: Disclosed herein are systems and methods for identifying fraud in blockchain-based transactions. In one method, a server detects an interaction by a decentralized digital wallet with a first electronic transaction protocol corresponding to a blockchain; executes a computer model (previously trained based on characteristics of electronic transaction protocols corresponding to the blockchain and electronic transactions corresponding to electronic transaction protocols) to determine a risk score; and in response to determining that the risk score for the requested electronic transaction is above a threshold level, causing at least one graphical element of a GUI associated with the decentralized digital wallet to provide an indication of a risk associated with the requested electronic transaction.
    Type: Application
    Filed: February 10, 2023
    Publication date: August 15, 2024
    Applicant: Stripe Inc.
    Inventors: Sen Forest Fang, Brendan Ryan
  • Patent number: 12063212
    Abstract: Methods and systems for secure token driven conditional routing of proceeds are described. A request to initiate routing of data between remote systems is received by a server computer system, where the request includes an incomplete set of parameters. A validation challenge and a challenge response defined by a first remote computing system are received, and a token that references the first remote computing system and the incomplete parameter set is generated. A validation may then be performed for a second remote computing system using the validation challenge and the challenge response defined by the first remote computing system. The incomplete set of parameters may then be completed by the second remote computing system when the challenge is validated to enable the routing of data according to the complete set of parameters referenced by the token.
    Type: Grant
    Filed: December 8, 2023
    Date of Patent: August 13, 2024
    Assignee: Stripe, Inc.
    Inventors: Matthew William Janiga, Karen Elizabeth Brinkley, Vincent Michael Cogan, Brian David Krausz
  • Publication number: 20240265111
    Abstract: Disclosed herein are systems and methods for efficiently analyzing data using intelligent methods and systems. In an embodiment, a server identifies an aggregated data associated with an electronic payment system comprising data corresponding to a set of attributes for a set of transactions associated with the electronic payment system, each attribute having one or more corresponding values; generates a set of data slices from the aggregated data, the set of data slices including a first data slice containing data corresponding to a first value of a plurality of values associated with a first attribute of the set of attributes; executes a computer model that receives an input of the aggregated data and an input of at least the first data slice and outputs an identification of an anomaly associated with the electronic payment system.
    Type: Application
    Filed: February 6, 2023
    Publication date: August 8, 2024
    Applicant: Stripe, Inc.
    Inventors: Hung Fuk LEE, Lakshmi NARAYAN, Christopher Michael PRINCE, David STEARNS
  • Patent number: 12056716
    Abstract: A method and apparatus for leveraging a distributed services system for surfacing insights for a user are described. The method may include accessing, by a computer processing system, service system data generated for a user by services of a distributed service system, the service system data including one or more values associated with one or more corresponding common entities in a data store of disambiguated service system data. The method may also include inputting the one or more values associated with the one or more corresponding common entities generated for the user into a trained machine learning model (MLM), the machine learning model trained to detect an effect of the one or more values associated with the one or more corresponding common entities on a set of metrics of interest. Furthermore, the method may include detecting, by the MLM, when there is an anomaly in a metric of interest in the set of metrics of interest.
    Type: Grant
    Filed: April 6, 2022
    Date of Patent: August 6, 2024
    Assignee: STRIPE, INC.
    Inventor: Abishek Ravi
  • Patent number: 12056701
    Abstract: A system for accepting the input of a PIN comprises a first device receiving a randomized PIN layout derived on a fourth device. The randomized PIN layout is displayed on a display of the first device. A second device comprises an input for accepting a series of key presses to produce a PIN token. The PIN token indicating each of the series of key presses. A third device is in communication with the second device. The third device derives the randomized PIN layout and receives the PIN token from the second device without the PIN token being present on the first device. The third device combines the PIN layout and the PIN token to produce a PIN. The PIN is used to authenticate a transaction. The fourth and third devices each store a shared secret used to independently derive the randomized PIN layout on the fourth and third devices.
    Type: Grant
    Filed: July 7, 2023
    Date of Patent: August 6, 2024
    Assignee: Stripe, Inc.
    Inventors: Chi Wah Lo, Hwai Sian Tsai, Namson Kwok
  • Patent number: 12039519
    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.
    Type: Grant
    Filed: May 15, 2023
    Date of Patent: July 16, 2024
    Assignee: STRIPE, INC.
    Inventors: Hwai Sian Tsai, Chi Wah Lo
  • Patent number: D1043617
    Type: Grant
    Filed: May 2, 2023
    Date of Patent: September 24, 2024
    Assignee: Stripe Inc.
    Inventors: Conor Hayes, John Affaki
  • Patent number: D1045862
    Type: Grant
    Filed: May 2, 2023
    Date of Patent: October 8, 2024
    Assignee: Stripe Inc.
    Inventors: Conor Hayes, James Foody, John Affaki, Robert Murdock