Patents Assigned to STRIPE, INC.
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Publication number: 20250005543Abstract: A method for de-duplicating data records may include generating a nodal data structure comprising a set of nodes, in response to receiving a first set of transaction data corresponding to aggregated data associated with a first set of transactions, associating a first subset of nodes with the first set of transaction data, responsive to receiving a second set of transaction data corresponding to aggregated data associated with a second set of transactions and at least a subset of the first set of transactions, associating a second subset of nodes to the first set of transaction data, combining the first subset and the second subset, executing an analytical protocol to identify data associated with the transaction, disassociating the transaction with the first subset, and associating the data associated with the transaction identified via the analytical protocol with the first subset and the second subset.Type: ApplicationFiled: June 30, 2023Publication date: January 2, 2025Applicant: Stripe, Inc.Inventors: Guanglei SONG, Stephen CHEN, Hanhan XIANG
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Publication number: 20240430170Abstract: A system may include a network infrastructure having a set of network component nodes, each network component node configured to communicate with at least one other network component node in accordance with a dependency protocol; and a server in communication with the network infrastructure and a fault injection server. The server can be configured to monitor outputs generated by the network infrastructure and attributes of data communication between the set of network component nodes; execute a computer model using the dependency protocol and the monitored attributes and outputs as input to predict a set of faults; in response to presenting the set of faults for display on a user interface, receive a selection of one or more of the set of faults; and instruct the fault injection server to execute a fault injection scenario simulating performance of the network infrastructure operating under the selected one or more faults.Type: ApplicationFiled: June 26, 2023Publication date: December 26, 2024Applicant: Stripe, Inc.Inventors: Leonardo Viccari, Stuart Sandine, Omar Eltobgy, Michael Succi, Sherif Mahmoud
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Publication number: 20240428252Abstract: One method includes identifying a set of fraud-detection ML models to be used to determine a fraud status of a transaction; executing a routing ML model configured to generate a score for at least a subset of the set of fraud-detection ML models, based on an input of an amount and an attribute associated with the transaction, the score indicative of the fraud status for the transaction based on the amount and the attribute; executing using the amount and the attribute associated with the transaction, a subset of the set of fraud-detection ML models selected in accordance with each fraud-detection ML model's respective score, whereby at least one fraud-detection ML model within the subset of the set of fraud-detection models generates a prediction associated with the fraud status of the transaction; and authorizing the transaction based on the prediction.Type: ApplicationFiled: June 26, 2023Publication date: December 26, 2024Applicant: Stripe, Inc.Inventors: Chiranth Manjunath HEGDE, Vinayak THAPLIYAL
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Publication number: 20240428131Abstract: A method comprises determining whether a decision can be determined for the request based on a current information available; when the decision can be determined, utilizing a first model to determine a set of questions corresponding to the request, the first model previously trained using training data comprising a set of questions associated with a set of requests; utilizing a second model to determine one or more predicted answers for the set of questions, the second model ingesting the set of questions determined by the first model and at least one attribute associated with the request to generate the one or more predicted answers; and utilizing a third model to determine the decision for the request.Type: ApplicationFiled: June 26, 2023Publication date: December 26, 2024Applicant: Stripe, Inc.Inventors: Brendan BERMAN, Richard LI, Justin LIOW, Niamh CLARKE, Alex ROSENBLATT
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Patent number: 12175218Abstract: Examples of the present disclosure describe systems and methods for remotebuild software build action-merging. In some examples, a build server receives a first software build action and a second software build action. In examples, it is determined that there is a match between a first hash value of the first software build action and a second hash value of the second software build action. In examples, only the first software build action is run from among the first software build action and the second software build action based on the match to produce a software build action result. In examples, the software build action result is returned as an output of the first software build action and an output of the second software build action.Type: GrantFiled: November 18, 2022Date of Patent: December 24, 2024Assignee: STRIPE, INC.Inventors: Sushain Cherivirala, Ainsley Escorce-Jones
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Patent number: 12175112Abstract: A method and apparatus for data mirroring are described. In one embodiment, a method for implementing country-specific data locality to cause data related to local transactions to be stored within the country in which the transactions occurred, comprises: capturing a set of transaction data associated with a set of transactions into a first cloud-based storage resource; and, according to a configuration file, performing data mirroring across a heterogeneous set of cloud providers using a plurality of stages executed by one or more processors.Type: GrantFiled: June 30, 2023Date of Patent: December 24, 2024Assignee: Stripe, Inc.Inventors: Sophia Chrisoula Sakellariadis, Anand Balaji
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Patent number: 12169712Abstract: Methods and apparatuses for using secrets and a secrets framework are described. In some embodiments, the method comprises executing, by a computing system, application code that includes a reference to a secret value inaccessible to the application code, the reference being in the form of a handle that contains the secret value, including passing the handle to injector code; and executing the injector code, including accepting the handle; obtaining the secret value from the handle; and using the secret value in an operation on behalf of the application code.Type: GrantFiled: May 20, 2022Date of Patent: December 17, 2024Assignee: Stripe, Inc.Inventors: Paul Alfred Carleton, Andrew Joseph Dunham, Serhii Rud, Adam Bradley Stubblefield, Caitriona Kelly
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Patent number: 12169841Abstract: 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: GrantFiled: June 4, 2021Date of Patent: December 17, 2024Assignee: Stripe, Inc.Inventors: Hwai Sian Tsai, Chi Wah Lo
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Patent number: 12165158Abstract: A method and apparatus for managing capabilities of an account of a user system at a commerce platform are described. The method may include receiving, at the commerce platform, a request from a user system that identifies an account at the commerce platform and includes a capability requested for the account, where the requested capability corresponds to a desired functionality of the account. The method may also include mapping the requested capability to a compliance plan that defines a set of account data to be collected before activation of the capability for the account by the commerce platform. Furthermore, the method may include transmitting a message, generated by the commerce platform, that comprises a listing of additional data to be provided by the user system before activation of the capability for the account, where the additional data comprises a minimal set of account data defined by the compliance plan less any data already associated with the account at the commerce platform.Type: GrantFiled: February 6, 2023Date of Patent: December 10, 2024Assignee: Stripe, Inc.Inventors: Andrew Hoskins, Jay Shah, Matthew William Janiga, Peter Cronin Terrill
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Patent number: 12136115Abstract: A method and apparatus for generating one or more user interfaces are described. The method includes transmitting a request for creating a merchant account that onboards the merchant for use of services provided by the commerce platform system. The method includes in response to executing an onboarding user interface received from the commerce platform, establishing a merchant context for the merchant account in a memory of the merchant system, where the merchant context stores a local copy of merchant account data for the merchant account. Furthermore, the method includes determining, based on data stored in the merchant context, a composition that renders one of a plurality of different user interfaces for collecting a set of the merchant account data associated with the composition, and determining a subset of merchant account data that is required to comply with a minimum set of account information.Type: GrantFiled: June 5, 2023Date of Patent: November 5, 2024Assignee: STRIPE, INC.Inventors: Matthew Basta, Ryan Orbuch
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Publication number: 20240364791Abstract: A method for location-dependent determination comprises: determining, with one or more processors, a geographic location of a user's electronic device using first data; in response to determining the determined geographic location is insufficient for performing a location-dependent determination, requesting second data to determine an updated geographic location of the user's electronic device; performing, with an Application Programming Interface (API), the location-dependent determination based on the updated geographic location; and completing, with the API, a transaction using the location-dependent determination.Type: ApplicationFiled: July 9, 2024Publication date: October 31, 2024Applicant: Stripe, Inc.Inventors: Noam Samuel, Ellen Stanfill, David C. Doran, Alexander Thiemann
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Patent number: 12132630Abstract: 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: GrantFiled: December 2, 2021Date of Patent: October 29, 2024Assignee: STRIPE, INC.Inventors: Ray Morgan, Alessandro Catorcini, Isaac Diamond
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Patent number: 12125010Abstract: 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: GrantFiled: March 29, 2021Date of Patent: October 22, 2024Assignee: Stripe, Inc.Inventors: Adrienne Dreyfus, Karolis Kosas, Jillian Wells
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Patent number: 12125041Abstract: 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: GrantFiled: May 4, 2023Date of Patent: October 22, 2024Assignee: Stripe, Inc.Inventors: Hwai Sian Tsai, Chi Wah Lo
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Patent number: 12125084Abstract: 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: June 27, 2023Date of Patent: October 22, 2024Assignee: STRIPE, INC.Inventors: Rasmus Rygaard, Devesh Kumar Senapati, Christopher Ross Continanza, James William Danz
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Patent number: 12118529Abstract: 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: GrantFiled: August 19, 2022Date of Patent: October 15, 2024Assignee: Stripe, Inc.Inventors: Jonathan Wall, Ross Favero, Eric Nelson Glass
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Patent number: 12111822Abstract: 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: GrantFiled: September 29, 2021Date of Patent: October 8, 2024Assignee: Stripe, Inc.Inventors: Peter Wang, Alexander Thiemann, Adam Eagle, Hongshan Zhou, Ji Huang
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Patent number: 12099837Abstract: 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: GrantFiled: January 6, 2023Date of Patent: September 24, 2024Assignee: Stripe, Inc.Inventors: Michael Julien Kovacs, Bowen Pan, Yuliya Gorlovetsky, Caitlyn M. Cawthron, Esther Lee, Dmitriy Gak, Gabriel Hurley, Katarzyna Babula, Timothy James Fontaine
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Patent number: 12099432Abstract: 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: GrantFiled: January 6, 2023Date of Patent: September 24, 2024Assignee: Stripe, Inc.Inventors: Timothy James Fontaine, Kenneth Auchenberg, Gabriel Hurley, Justin Tulloss
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Patent number: D1045862Type: GrantFiled: May 2, 2023Date of Patent: October 8, 2024Assignee: Stripe Inc.Inventors: Conor Hayes, James Foody, John Affaki, Robert Murdock