Patents Assigned to STRIPE, INC.
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Patent number: 11694211Abstract: A method and apparatus for deleting resources are described.Type: GrantFiled: June 28, 2021Date of Patent: July 4, 2023Assignee: STRIPE, INC.Inventors: Ji Huang, Tushar Dhoot
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Patent number: 11675616Abstract: Methods and apparatuses for scheduling tasks with a job scheduler are disclosed. In one embodiment, the method comprises: tracking a number of active tasks for each key of a plurality of keys; writing, by a scheduler, a query to identify a next scheduled task among a plurality of scheduled tasks ordered by time in a task queue, the query having an index that excludes tasks associated with a list of one or more keys of the plurality of keys that have a count of active tasks greater than a first limit associated with each key; querying, by a scheduler, the task queue using the query to identify the next scheduled task among the plurality of scheduled tasks, the next scheduled task being associated with a key not excluded by the query; and executing the next scheduled task.Type: GrantFiled: November 13, 2020Date of Patent: June 13, 2023Assignee: STRIPE, INC.Inventors: Michael Mintz, Thirukumaran Vaseeharan, Aaron Levin, David Judd, Nathaniel Wilson
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Patent number: 11663573Abstract: A method and apparatus for reader device registration, activation, and use are described. The method may include receiving, by a commerce platform, a registration request generated by a reader device, wherein the registration request comprises at least identification data for the reader device. The method may also include transmitting, to the reader device, a registration code. The method may also include receiving, by the commerce platform from a merchant system, a second registration code purported to be the registration code transmitted to the reader device. The method may also include generating an encryption key associated with the reader device and transmitting the encryption key to the merchant system, wherein the encryption key is provided by merchant system to the reader device for use by the reader device when communicating with the commerce platform during merchant transactions.Type: GrantFiled: December 17, 2021Date of Patent: May 30, 2023Assignee: STRIPE, INC.Inventors: Jonathan Wall, Devesh Senapati, Nate Barnett
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Patent number: 11663584Abstract: 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: GrantFiled: July 7, 2021Date of Patent: May 30, 2023Assignee: STRIPE, INC.Inventors: Hwai Sian Tsai, Chi Wah Lo
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Patent number: 11663568Abstract: 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 12, 2021Date of Patent: May 30, 2023Assignee: STRIPE, INC.Inventors: Christian Anderson, Stanislas Polu
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Patent number: 11640593Abstract: A system comprises a client module installed on a vending machine, the vending machine displaying one or more items for purchase in a first arrangement, and a purchase fulfilment subsystem. A QR code is generated by the purchase fulfilment subsystem and transmitted to the client module. A first set of signals to initiate a transaction is transmitted by the user device to the purchase fulfilment system. The purchase fulfilment subsystem transmits to the user device a second set of signals to display elements in a second arrangement. The user device transmits a third set of signals to the purchase fulfilment subsystem related to activation of an element. The purchase fulfilment subsystem transmits to the client module a fourth set of signals comprising commands to enable the vending machine to dispense an item. The client module sends one or more instructions to the vending machine to dispense the item.Type: GrantFiled: May 14, 2021Date of Patent: May 2, 2023Assignee: STRIPE, INC.Inventors: Chi Wah Lo, Tai Kwan Jimmy Tang, Wai Chuen Gan
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Patent number: 11630575Abstract: What is disclosed is a system for randomization of one or more display parameters for a keypad displayed on a touchscreen of a mobile device, said system comprising a randomization subsystem to randomly select one or more variables related to at least one of said one or more display parameters, said one or more display parameters comprising a location of the keypad relative to said edge of said touchscreen; a size of said keypad; one or more sizes of one or more buttons within said keypad, and one or more positions of one or more groups of the one or more buttons within said keypad.Type: GrantFiled: February 17, 2021Date of Patent: April 18, 2023Assignee: STRIPE, INC.Inventors: Hwai Sian Tsai, Chi Wah Lo
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Patent number: 11620652Abstract: 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: December 11, 2020Date of Patent: April 4, 2023Assignee: STRIPE, INC.Inventors: Michael Manapat, Isaac Hepworth, Tara Seshan, Mike Towber
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Patent number: 11609757Abstract: A continuous integration framework for developing software for transaction processing and method for using the same are described.Type: GrantFiled: July 12, 2021Date of Patent: March 21, 2023Assignee: STRIPE, INC.Inventors: Jonathan Wall, Eric Glass, Ross Favero
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Patent number: 11601509Abstract: Described herein are systems and methods for predicting whether an entity associated with a profile in one network is the same entity that is associated with a profile in a second network, which networks may represent networks from different network services or may represent networks from the same network service. In embodiments, network graph features, including nodes and connections, may be used to predict a probability that the profiles in the two networks should be matched. In embodiments, additional or different factors may be included in the predicted probability, such as homophily, match probabilities of seed nodes, match probabilities of attribute-matched nodes, attribute-attribute co-occurrence probabilities, and the like.Type: GrantFiled: November 28, 2017Date of Patent: March 7, 2023Assignee: Stripe, Inc.Inventors: Peter Lofgren, Pranav Dandekar, Ashish Goel, Andrew Paul Tausz
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Patent number: 11595799Abstract: A mobile device includes a Bluetooth transceiver, the Bluetooth transceiver being in an idle power state when not securely paired to a second Bluetooth transceiver of a peripheral device. The mobile device further includes an audio interface, the audio interface coupled to the Bluetooth transceiver, the audio interface configured to connect to a second audio interface of the peripheral device.Type: GrantFiled: November 5, 2020Date of Patent: February 28, 2023Assignee: STRIPE, INC.Inventor: Chi Wah Lo
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Patent number: 11587082Abstract: A method and apparatus for reconciling electronic transactions facilitated by a commerce platform are described. The method may include receiving, the commerce platform, requests from a merchant system to authorize a plurality of financial transactions. The method may also include transmitting an authorization to the merchant system authorizing the merchant system to perform the financial transaction. The authorization may include a unique transaction identification (ID) corresponding to the request. The method may also include receiving from the merchant system, for each transaction ID, an order number associated with the transaction ID. The method may also include generating a settlement file comprising the transaction IDs. Each transaction ID may be arranged in an order in the settlement file according to its associated order number. The method may also include transmitting the settlement file to the merchant device.Type: GrantFiled: November 7, 2019Date of Patent: February 21, 2023Assignee: STRIPE, INC.Inventor: Girish Balasubramanian
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Patent number: 11587093Abstract: In an example embodiment, information about one or more failed payment attempts via an electronic payment processing system is obtained. One or more features are extracted from the information. Then, for each of a plurality of potential candidate retry time points, the one or more features and the potential candidate retry time point are fed into a dunning model, the dunning model trained via a machine-learning algorithm to produce a dunning score indicative of a likelihood that a retry attempt at an input retry time point will result in a successful payment processing. The dunning scores for the plurality of potential candidate retry time points are used to select a desired retry time point. Then the electronic payment processing system is caused to attempt to reprocess a payment associated with one of the failed payment attempts at a time matching the desired retry time point.Type: GrantFiled: February 19, 2020Date of Patent: February 21, 2023Assignee: Stripe, Inc.Inventors: Tara Seshan, Adam Eagle
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Patent number: 11580541Abstract: A method and system are disclosed in an electronic payment network, for associating a payment card of a cardholder with a personal computing device of the cardholder, then authenticating the payment card in electronic transactions processed in the network. The card and a device activation code are input to the cardholder device by the cardholder, then communicated sent to a remote server for obtaining a card token. The server generates a device token and an authorisation token, stores the generated tokens together with the card token, and sends the card and device tokens to the cardholder device for storage. Whenever a transaction is processed in the network, the payment card is authenticated by inputting authenticating data to the cardholder device for generating an authorisation token, which is sent to the server with the stored card and device tokens, for a matching operation against the card, device and authorisation tokens at the server.Type: GrantFiled: September 28, 2016Date of Patent: February 14, 2023Assignee: STRIPE, INC.Inventors: Joseph O'Hara, Gavin Pacini, Niall Hogan, Joseph Kuye
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Patent number: 11580208Abstract: A system for entering a secure Personal Identification Number (PIN) into a mobile computing device includes a mobile computing device and a peripheral device that are connected via a data communication link. The mobile computing device includes a mobile application and a display and the mobile application runs on the mobile computing device and displays a grid on the mobile computing device display. The peripheral device includes a display and an encryption engine, and the peripheral device display displays a grid corresponding to the grid displayed on the mobile computing device display. Positional inputs on the mobile computing device grid are sent to the peripheral device and the peripheral device decodes the positional inputs into PIN digits and generates an encrypted PIN and then sends the encrypted PIN back to the mobile computing device.Type: GrantFiled: December 7, 2020Date of Patent: February 14, 2023Assignee: STRIPE, INC.Inventor: Chi Wah Lo
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Patent number: 11574316Abstract: 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 14, 2020Date of Patent: February 7, 2023Assignee: STRIPE, INC.Inventors: Andrew G. Hoskins, Jay Shah, Matthew William Janiga, Peter Cronin Terrill
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Patent number: 11562345Abstract: Methods of performing transactions with a payment card comprising an integrated circuit are disclosed comprising interacting with an integrated circuit on a received payment card and inferring an application corresponding to a card brand and card type of the payment card, or retrieving a map of the integrated circuit to read records on the integrated circuit based on the map, are disclosed. Corresponding devices, such as PIN pads, and computer products are also disclosed.Type: GrantFiled: September 8, 2017Date of Patent: January 24, 2023Assignee: STRIPE, INC.Inventors: Jonathan Wall, Ross Favero, Eric Nelson Glass
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Patent number: 11551211Abstract: A virtual payment system for paying for goods, services and content ordered over an internetwork is disclosed. The virtual payment system includes a commerce gateway. Buyers and sellers becomes registered participants by applying for virtual payment buyer and seller accounts. Once an account is established with the commerce gateway, a digital certificate is stored on the registered participant's computer. A buyer can then order a product, i.e., goods, services or content from a seller and charge it to the virtual payment account. When the product is shipped, the seller notifies the commerce gateway, which applies the charges to the buyer's virtual payment account. The buyer can settle the charges using a prepaid account, a credit account, or by using reward points earned through use of the virtual payment account. A buyer may create sub-accounts.Type: GrantFiled: January 8, 2018Date of Patent: January 10, 2023Assignee: STRIPE, INC.Inventors: Robin B. Hutchison, Robert J. Llewellyn, Andre F. Viljoen, David Griffiths, Jr., David Birch, Iain M. Begg
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Patent number: 11551202Abstract: 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 15, 2019Date of Patent: January 10, 2023Assignee: STRIPE, INC.Inventor: Steven Henry Noble
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Patent number: D987560Type: GrantFiled: June 8, 2021Date of Patent: May 30, 2023Assignee: STRIPE, INC.Inventors: Conor Hayes, James Foody