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1. 发明申请

WO2022251238A1 SYSTEMS AND METHODS FOR ENSURING QUALITY OF SEARCH SYSTEM DATA 审中-公开
公开(公告)号：WO2022251238A1
公开(公告)日：2022-12-01
申请号：PCT/US2022/030756
申请日：2022-05-24
申请人： STRIPE, INC.
发明人： KUMAR, Ritesh , RAJU, Priyanka
IPC分类号： G06F16/23 , G06F16/215 , G06F16/11 , G06F11/34 , G06F11/14
摘要： A method and apparatus for verifying integrity of search system data is described. The method may include accessing a first and second snapshot of search system data, the search system data in each snapshot including transaction data generated by a commerce platform system in response to transactions performed by the commerce platform system. The method may also include accessing an operation log of operations performed on the transaction data during a time between when the first snapshot was generated and a time when the second snapshot was generated. Furthermore, the method may include transforming the transaction data from the first snapshot based on the operations in the operation log to generate validated transaction data in a validated second snapshot, and determining a reliability of the transaction data at the second time period based on a comparison of transaction data from the second snapshot with the validated transaction data from the validated second snapshot.

2. 发明申请

WO2022005915A1 CLUSTER JOB SUBMISSION 审中-公开
公开(公告)号：WO2022005915A1
公开(公告)日：2022-01-06
申请号：PCT/US2021/039240
申请日：2021-06-25
申请人： STRIPE, INC.
发明人： JOHNSON, Andrew , SNITKOVSKIY, Daniel , MOTOYAMA, Marti , BENDER, Jonathan
IPC分类号： G06F9/455 , G06F9/50 , H04L12/24 , H04L29/08
摘要： A method and apparatus for job submission are described. In one embodiment, the jobs are submitted by a job submission service or gateway that schedules large-scale data processing jobs on remote infrastructure. In one embodiment, the method comprises: receiving a request at a proxy service from a first client, via a first network communication, to submit a first job to a cluster; and managing the first job externally to the first client, including sending a request to an orchestration system to launch an orchestration system job in a container to start the first job running on the cluster via a client process run on a job client in the container and provide state information back to the proxy service regarding the orchestration system job.

3. 发明申请

WO2017165132A1 METHODS AND SYSTEMS FOR PROVIDING PAYMENT INTERFACE SERVICES USING A PAYMENT PLATFORM 审中-公开
标题翻译：使用支付平台提供支付界面服务的方法和系统
公开(公告)号：WO2017165132A1
公开(公告)日：2017-09-28
申请号：PCT/US2017/021823
申请日：2017-03-10
申请人： STRIPE, INC.
发明人： ANDERSON, Christian , POLU, Stanislas
IPC分类号： G06Q40/00
摘要： 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.
摘要翻译：在实施例中，提供了用于使用支付平台来实现支付接口服务的方法和系统。支付平台中集成了多种支付类型，以支持商户的客户支付。支付平台基于接收个性化客户的支付类型的指示以及访问的客户数据资源来识别与客户相关的支付类型。基于客户的信息确定一个或多个相关支付类型。客户的支付类型是通过支持客户支付类型个性化的支付平台支持的多种支付类型确定的。来自与客户相关的一个或多个支付类型的支付类型被客户自动选择或明确选择，使得相应的支付类型提供者认证客户以完成交易。

4. 发明申请

WO2022076613A1 PROCESSING TRANSACTIONS INVOLVING CARD READER DEVICES 审中-公开
公开(公告)号：WO2022076613A1
公开(公告)日：2022-04-14
申请号：PCT/US2021/053848
申请日：2021-10-06
申请人： STRIPE, INC.
发明人： ZHANG, Michelle , YELLIN-FLAHERTY, Zachary , HANDA, Nikunj
IPC分类号： G06Q20/34 , G06Q20/02 , G06Q20/40 , G06Q20/38
摘要： A method and apparatus for processing a commerce transaction performed with a terminal reader for reading a card are disclosed. In one embodiment, the method includes receiving transaction information for a merchant regarding a transaction involving the terminal reader without the terminal reader having an assigned terminal identifier (TID) that is used for transaction authorization and assigning the terminal reader a pre-allocated TID for the merchant as the assigned TID, where the pre-allocated TID is selected from a group of one or more pre-allocated available terminal IDs (TIDs) associated with the merchant, and using that pre-allocated TID to obtain authorization for the transaction.

5. 发明申请

WO2020176743A1 PUSH PAYMENT DECISION ROUTING 审中-公开
公开(公告)号：WO2020176743A1
公开(公告)日：2020-09-03
申请号：PCT/US2020/020124
申请日：2020-02-27
申请人： STRIPE, INC.
发明人： DAHN, Michael David , SERRANO, Eduardo
IPC分类号： G06Q20/12 , G06Q20/20 , G06Q20/22 , G06Q20/32 , G06Q20/34 , G06Q20/38 , G06Q20/40
摘要： In an example embodiment, a method for push payment decision routing in relation to a transaction is provided. An example method comprises issuing a virtual payment identifier to a mobile device and receiving payment rules from a mobile device. The user-defined rules include parameters for invoking at least one push payment to be made via the virtual payment identifier for the transaction. Instructions to implement or pay for the transaction as a pull payment are received and, based on the rules, the transaction is completed or paid for a push payment.

6. 发明申请

WO2020061472A1 SYSTEMS AND METHODS USING COMMERCE PLATFORM CHECKOUT PAGES FOR MERCHANT TRANSACTIONS 审中-公开
公开(公告)号：WO2020061472A1
公开(公告)日：2020-03-26
申请号：PCT/US2019/052186
申请日：2019-09-20
申请人： STRIPE, INC.
发明人： SERRANO, Eduardo , WISE, Jenan , BU, Yue
IPC分类号： G06F15/16 , G06Q20/12 , G06Q20/22 , G06Q20/32 , G06Q30/02 , G06Q30/06
摘要： A system and method for a commerce platform system conducting a transaction with a customer system of a merchant system. The method may include receiving, over a communications network from the customer system, a request to purchase a product offered for sale by the merchant system, the request to purchase the product generated within a user interface presented to the customer system by the merchant system. The method may also include redirecting the customer system to a payment page served by the commerce platform system, wherein the payment page presents the product of the merchant for purchase by the customer system. Furthermore, the method may include clearing, with one or more authorization network systems, the purchase of the product from the payment page by the customer system, and redirecting the customer system back to a second user interface provided to the customer system by the merchant system.

7. 发明申请

WO2023059676A1 EXTENSIBLE CUSTOM CONFIGURABILITY FOR STATEFUL API RESOURCES 审中-公开
公开(公告)号：WO2023059676A1
公开(公告)日：2023-04-13
申请号：PCT/US2022/045722
申请日：2022-10-05
申请人： STRIPE , INC.
发明人： HUANG, Ji , THIEMANN, Alexander
IPC分类号： G06F9/445 , G06F9/451 , G06Q30/06
摘要： The present disclosure is directed to systems and methods that provide support for customized versions of functions that operate on a resource of a commerce platform by giving customers the ability to write custom versions of such functions that employ more advanced/complex logic that what is offered by default configurations for the functions. A custom scripting language may be added to the API of the commerce platform, which may allow customers to define scripts that specify the desired custom functionality. In response to receiving a request to customize the function from a customer, a function signature specifying information about the custom version of the function may be provided to the customer. Upon receiving a script defining a custom version of the function, the script may be stored on the resource object representing the resource the custom function is to operate on.

8. 发明申请

WO2022216526A1 DETERMINISTIC VALIDATION OF BILLING INTEGRATIONS THROUGH SIMULATED TIME 审中-公开
公开(公告)号：WO2022216526A1
公开(公告)日：2022-10-13
申请号：PCT/US2022/022910
申请日：2022-03-31
申请人： STRIPE, INC.
发明人： HUANG, Ji , EAGLE, Adam , NA NAKORN, Tanin , GAWRYS, Stefan , ROOMANN-KURRIK, Arne
IPC分类号： G06Q20/42 , G06Q20/14 , G06Q20/12 , G06Q20/40
摘要： A clock data structure is introduced. An instance of the clock data structure can be attached to a billing data structure, such as a billing data structure that corresponds to a recurring payment. The instance of the clock data structure has a value that represents a frozen time - i.e., a specific time that does not change unless instructed to. The billing data structures to which the clock data structure is attached operate as if the real time is the frozen time on the clock. Since the time is frozen, users wishing to test the billing data structure can update their system configurations at specific times, and subsequently advance the time in the clock data structure instance to see the effects on those configurations, as well as on other parts of the system, including asynchronous messaging and processing, and processes that involve other entities.

9. 发明申请

WO2022005913A1 SYSTEMS AND METHODS FOR IDENTITY GRAPH BASED FRAUD DETECTION 审中-公开
公开(公告)号：WO2022005913A1
公开(公告)日：2022-01-06
申请号：PCT/US2021/039235
申请日：2021-06-25
申请人： STRIPE, INC.
发明人： DRAPEAU, Ryan , OUYANG, Feiyi , ZHU, Tianshi , ABRAHAMAS, David , ROSEN, Joshua
IPC分类号： G06Q30/00 , G06Q10/06 , G06Q20/38 , G06N20/00 , G06Q30/06
摘要： A method and apparatus for fraud detection during transactions using identity graphs are described. The method may include receiving, at a commerce platform system, a transaction from a user having initial transaction attributes and transaction data. The method may also include determining, by the commerce platform system, an identity associated with the user, wherein the identity is associated with additional transaction attributes not received with the transaction. Furthermore, the method may include accessing, by the commerce platform system, a feature set associated with the initial transaction attributes and the additional transaction attributes, wherein the feature set comprises machine learning (ML) model features for detecting transaction fraud. The method may also include performing, by the commerce platform system, a machine learning model analysis using the feature set and the transaction data to determine a likelihood that the transaction is fraudulent, and performing, by the commerce platforms system, the transaction when the likelihood that the transaction is fraudulent does not satisfy a transaction fraud threshold.

10. 发明申请

WO2021021375A1 ARCHITECTURES, SYSTEMS, AND METHODS FOR CARD BASED TRANSACTIONS 审中-公开
公开(公告)号：WO2021021375A1
公开(公告)日：2021-02-04
申请号：PCT/US2020/040380
申请日：2020-06-30
申请人： STRIPE, INC.
发明人： WALL, Jonathan
IPC分类号： G06Q20/00
摘要： A method and apparatus for processing a transaction between a merchant and a customer of the merchant are described. The method may include generating, at an ingress server, an initial transaction message by generating a deterministic identifier for a card used in the transaction from card data received for the transaction and encrypting the received card data. The method may also include providing the initial transaction message from the ingress server to a payment server. Furthermore, the method may include updating, by the payment server in response to an authorization of the transaction determined based at least in part on the deterministic identifier for the card, the initial transaction message with authorization data, and providing the updated initial transaction message from the payment server to an egress server. The method may also include communicating a final transaction message to an authorization system for processing the transaction between the merchant and the customer based on the card data.

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