Patents Assigned to Stripe, LLC
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Publication number: 20260320502Abstract: A machine learning framework and method for using the same are described.Type: ApplicationFiled: June 23, 2026Publication date: October 15, 2026Applicant: STRIPE, LLCInventors: Tianshi ZHU, Erik OSHEIM, Thomas SWITZER, Stephanie BIAN, David ABRAHAMS, Susan TU, Patrick BOYKIN
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Patent number: 12764037Abstract: A method and apparatus for executing a service of a server computer system for a client system are described. The method may include defining a client system descriptor file that includes a set of signals suitable for input into a large language machine learning model (LLM), and collecting data associated with a first client system that is representative of the set of signals. The data can then be compressed into the set of signals for a first client system descriptor file allocated for the client system. A query is executed using at least the first client system descriptor file as input into the LLM, and in response to an output obtained by the LLM, at least an action is executed by the service of the server computer system.Type: GrantFiled: December 19, 2024Date of Patent: October 13, 2026Assignee: STRIPE, LLCInventors: Gautam Kedia, Efstathios Vafeias, Jonathon Daniel Brown, Samuel Ishmael Gehman, Jermsak Jermsurawong
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Patent number: 12764151Abstract: Presented herein are systems and methods of generating embeddings for network events to detect fraudulent activities in networked environments. A service may receive a request to execute a first network operation in a network environment. The service may identify an event dataset associated with the first network operation to be executed. The service may apply the first event dataset to a machine learning (ML) model comprising a plurality of weights. The ML model may be established using training data comprising (i) a first sample event dataset associated with a second network operation and (ii) a second sample event dataset corresponding to a modification of a portion of the first sample event dataset. The service may generate, based on applying the event dataset of the first network operation to the ML model, a plurality of embeddings indicative of fraudulence of the first network operation.Type: GrantFiled: December 19, 2024Date of Patent: October 13, 2026Assignee: Stripe, LLCInventors: Yashu Lingaraju, Stathis Vafeias, Chiranth Hegde
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Publication number: 20260310814Abstract: Methods and systems for disambiguating a user from a plurality of users within a computing infrastructure when the plurality of users utilize a common identifier are described. Disambiguation may occur through the user of subsequent verification of the identity of the user which generates an authentication token to be passed to the computing infrastructure during authentication requests using the common identifier.Type: ApplicationFiled: June 16, 2026Publication date: October 8, 2026Applicant: STRIPE, LLCInventors: Jose Carlos MATIAS, Bryan IRACE, Jiwon KIM, Jie REN, Ashwin Curran RAJA, Erin Lynne KAVANAUGH
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Publication number: 20260311100Abstract: Disclosed herein are systems and methods for identifying and transmitting electronic requests to a suitable service provider. In one method, a server receives, from a computing device, a request to verify data via at least one service provider; executes a first computer model to identify a likelihood of verification success of the data; responsive to the likelihood of verification success satisfying a threshold, executes a second computer model to determine a service provider to transmit the request based on a first attribute associated with the data, a type of verification associated with the request, and a second attribute associated with the set of service providers and an impact value associated with each service provider; and responsive to determining the service provider from the set of service providers, transmitting, by the processor via an application programming interface, the data to the service provider.Type: ApplicationFiled: June 17, 2026Publication date: October 8, 2026Applicant: STRIPE, LLCInventors: Daniel SIM, Donald Vitas M. PIRET, Shengwei WU
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Patent number: 12756712Abstract: Various embodiments include systems, methods, and non-transitory computer-readable media for managing access control. Consistent with these embodiments, a method includes receiving a request to access a resource, determining one or more access control policies that correspond to an access to the resource; identifying an access control policy that allows the identity to access the resource, determining, that the identified access control policy is associated with a policy evaluation mode, and authorizing the request based on the access control policy.Type: GrantFiled: June 22, 2022Date of Patent: October 6, 2026Assignee: Stripe, LLCInventors: Aaltan Ahmad, Surbhi Shah, Matthew Moresco
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Patent number: 12754761Abstract: A method includes: receiving an initial input message from a caller to a processing system configured to receive input messages and to generate output messages in response to the input message and a persistent store; identifying a workflow associated with the initial input message, the workflow including activities, each activity being separately classified as an idempotent read-write activity, an idempotent read-only activity, or a non-idempotent read-only activity associated with a corresponding service of the processing system; and executing the workflow by supplying the initial input message to the workflow and, for each activity: in response to determining that an input message to the activity includes non-reproducible data, storing the non-reproducible data in the persistent store only if the input message includes non-reproducible data and the activity is a read-write activity or a return to the caller; and providing the input message to a service corresponding to the activity.Type: GrantFiled: March 21, 2023Date of Patent: October 6, 2026Assignee: STRIPE, LLCInventors: Alexander Chang, Hai Wang, Mark Vandevoorde, Kevin McCluskey
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Patent number: 12755268Abstract: A method and apparatus for authentication of a user is described. A system can include a memory and a processor, where the processor identifies a trigger event corresponding to an application executed by the processor of the system. Then, in response to identification of the trigger event, the processor causes an authentication process to execute on the application, including prompting the user to provide a payment instrument information via the NFC device of the system. The processor then determines if the received payment instrument information is designated as an authentication instrument for the user, in response to receipt of the payment instrument information via the NFC device of the system, determine. Additionally, in response to a determination that the received payment instrument information is designated as the authentication instrument for the user, the processor authenticates the user.Type: GrantFiled: June 14, 2023Date of Patent: October 6, 2026Assignee: STRIPE, LLCInventors: Carolyn Fanning, David Yang, Nicole DeBickes, Maggie White
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Publication number: 20260300963Abstract: A client-side method facilitates secure transactions between a customer and a merchant by isolating sensitive payment information from the merchant's systems. A payment form displayed on an electronic device receives payment data and, upon loading, establishes a secure communication tunnel with a third-party server for cross-origin communication. When the form is submitted, an event handler intercepts the submission and transmits the payment information through the secure tunnel to the third-party server, where the information is converted into a token. The token, representing the payment information, is returned via the secure tunnel and provided to a merchant server along with other form data, excluding the underlying payment information, thereby enabling transaction processing while reducing exposure of sensitive data.Type: ApplicationFiled: May 22, 2026Publication date: October 1, 2026Applicant: STRIPE, LLCInventors: Patrick COLLISON, John B. COLLISON, Greg D. BROCKMAN, Saikat CHAKRABARTI, Ross A. BOUCHER
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Patent number: 12749064Abstract: A method and apparatus validating integrity of an environment of a terminal device remote to a commerce platform system are described. The method can include receiving, from the terminal device, a device provisioning request that comprises data indicative of an instance of an application installed on the terminal device, a first public key, a second public key, and a hardware attestation key, the first public key, the second public key, and the hardware attestation key generated within a trusted execution environment of the terminal device, and the first public key and the second public key having a corresponding first private key and second private key stored within the trusted execution environment.Type: GrantFiled: April 28, 2025Date of Patent: September 29, 2026Assignee: STRIPE, LLCInventors: Maggie White, Kelly Moriarty, Ross Favero, Nicole DeBickes
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Patent number: 12748773Abstract: Aspects of the subject technology provide for synchronization between a first database and a second database. When a repeated command to a second database for a write operation to the second database is not performed, a forward synchronization process can update records from the first database to the second database. A reverse synchronization process can be used to further check that the synchronization is complete.Type: GrantFiled: March 5, 2025Date of Patent: September 29, 2026Assignee: Stripe, LLCInventors: KarthikBalaji Gandhi, Bryce Plunkett, Alexander Rhee, Brian Kachmarck
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Patent number: 12744805Abstract: Disclosed herein are systems and methods for monitoring network traffic to identify cyberattacks. An example method includes obtaining a first plurality of data packets transmitted over a network during at least one period of time; determining a plurality of feature values based on the plurality of data packets, each feature corresponding to execution of a protocol by the first system; generating an embedding based on the plurality of feature values and an encoder, the encoder configured to generate embeddings based on pluralities of feature values, the embeddings corresponding to a period of time; and determining that at least one data packet of the plurality of data packets is involved in a cyberattack based on the embedding. The method can include causing an execution of a remedial protocol in association with the first system.Type: GrantFiled: May 30, 2024Date of Patent: September 22, 2026Assignee: Stripe, LLCInventor: Sharan Ramjee
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Publication number: 20260278602Abstract: Some embodiments involve systems and methods for facilitating authentication for an entity system to use a partner system using pooled identifiers (e.g., without requiring the entity system to first register with the partner system). In some embodiments, based on (i) a request, from a first entity system, indicating a first partner system to process at least a part of an operation and (ii) an indication that the first entity system is not registered for use of the first partner system, a platform system may link a first authentication identifier of the first identifier set with the first entity system. The platform system may process the operation using the first authentication identifier linked by the platform system with the first entity system, and the platform system may use platform authentication data established with the first partner system to authenticate the platform system to the first partner system for performing the operation.Type: ApplicationFiled: May 7, 2026Publication date: September 17, 2026Applicant: Stripe, LLCInventors: Sean Fitzgerald, Sophia Sakellariadis
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Patent number: 12737764Abstract: A server computer system for detecting a fraudulent electronic transaction may be configured to receive a transaction associated with a merchant. The system processes the transaction with a first machine learning model that is trained specific to the merchant, to obtain a first fraud detection, and processes the transaction with a second machine learning model that is trained based on a plurality of merchants, to obtain a second fraud detection. The system detects fraud associated with the transaction based on the first fraud detection and the second fraud detection. In response to detecting the fraud that is associated with the transaction, the system blocks the transaction.Type: GrantFiled: November 17, 2023Date of Patent: September 15, 2026Assignee: Stripe, LLCInventors: Logan Howard, Ryan Drapeau, Nathan Brasher
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Patent number: 12731048Abstract: The subject technology generates training data based at least in part on reporting data from a card network. The subject technology trains a machine learning model based on the training data. The subject technology determines, using the machine learning model, a fee description for a transaction. The subject technology determines a variable rate and a fixed amount based at least in part on the fee description. The subject technology determines at least one cost based at least in part the variable rate and the fixed amount for each transaction from a set of transactions. The subject technology evaluates at least one result against second reporting data. The subject technology provides, for display, the at least one cost and the at least one result on a display of a client device.Type: GrantFiled: June 4, 2021Date of Patent: September 8, 2026Assignee: Stripe, LLCInventor: Qi Zhang
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Patent number: 12725150Abstract: Presented herein are systems and methods of controlling execution of operations via network operation protocols to delegate across services distributed in networked environments. A first service may receive, from a second service, a request to delegate including a digital address of a first digital key manager of a user to which tokens on a distributed ledger is assigned. The first service may construct, responsive to the request to delegate, a network operation protocol comprising: (i) a first component to control transfer of an assignment of tokens from the first digital key manager to a second digital key manager of the first service on behalf of a computing system, (ii) a second component to set constraints on execution of ledger operations on the distributed ledger for transferring the assignment, and (iii) a third component to execute the ledger operations to transfer the assignment.Type: GrantFiled: December 10, 2025Date of Patent: September 1, 2026Assignee: STRIPE, LLCInventors: Brendan Ryan, James Wenzel
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Patent number: 12725162Abstract: Embodiments may include receiving a request including transaction data to evaluate a transaction as part of a charge path that processes at least a portion of the transaction; processing, by a set of blocking machine learning models, a portion of the transaction data to generate a set of blocking scores for the transaction; retrieving, from a memory, a set of card testing attack (CTA) scores associated with the transaction, the set of CTA scores indicative of an occurrence of a card testing attack, and the set of CTA scores retrieved based on the transaction data; adjusting a set of default blocking score thresholds based on the set of CTA scores to generate a set of adjusted blocking score thresholds; and determining to allow the transaction based on comparison of the set of blocking scores with the set of adjusted blocking score thresholds.Type: GrantFiled: November 10, 2023Date of Patent: September 1, 2026Assignee: Stripe, LLCInventors: Alexandre Bondoux, Elaine Cheng
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Patent number: 12726512Abstract: Disclosed herein are systems and methods for identifying and addressing malicious network traffic based on network traffic lane activity. An example method includes receiving data associated with a plurality of messages transmitted via a network, determining a first network traffic lane associated with a first set of messages of the plurality of messages and a second network traffic lane associated with a second set of messages of the plurality of messages, and determining that the first set of messages is associated with an increased probability of being involved in a distributed denial of service (DDoS) attack. In examples, the method includes causing at least one remedial action to be performed for at least a portion of messages associated with the first network traffic lane. Non-transitory machine-readable mediums are also disclosed.Type: GrantFiled: April 24, 2024Date of Patent: September 1, 2026Assignee: Stripe, LLCInventor: Khan Ryder Lewis
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Patent number: 12719876Abstract: Aspects of the present disclosure relate to systems and methods for managing access to data in a cloud-based software platform. A first cloud-based software application generates first data associated with a user account on the cloud-based software platform. A second cloud-based software application may also be connected to the user account and request access to the first data generated by the first application. The user account sets a collection of access permissions on the first data, where the second cloud-based software application is granted access to the first data subject to the collection of access permissions.Type: GrantFiled: January 6, 2023Date of Patent: August 25, 2026Assignee: Stripe, LLCInventors: Bowen Pan, Gabriel Hurley, Timothy James Fontaine, Toluwaloju Elizabeth Alabi, Julia Chaves, Justin Tulloss
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Patent number: 12719881Abstract: In some embodiments, a computer system is described. In some embodiments, the computer system generates a suggested collection of applications based at least in part on a first application selected by a client device, receives a second selection of a second application from the suggested collection of applications, integrates the first application and second application with a client application on the host platform, receives a request to perform an operation on the client application, selects at least one of the first application or the second application of the client application to perform the operation based on a determination that the at least one of the first application or the second application have access to the database, sends a request to perform the operation to the selected first or second application, and receives a set of results based on performance of the operation.Type: GrantFiled: August 9, 2024Date of Patent: August 25, 2026Assignee: Stripe, LLCInventors: Michael Julien Kovacs, Bowen Pan, Gabriel Hurley, Dmitriy Gak, Timothy James Fontaine, Yuliya Gorlovetsky, Mark Joseph Cavage, Brian Amaro