Patent Applications by Stripe, Inc. on May 15th, 2025

Stripe, Inc.: 4 patent applications

Stripe, Inc. has applied for patents in the areas of G06Q20/4016 ({involving fraud or risk level assessment in transaction processing}, 2), G06N5/022 (Knowledge representation; Symbolic representation, 1), G06Q10/0633 (Workflow analysis, 1)

With keywords such as: current, receiving, includes, machine, method, computing, learning, prediction, using, model in patent application abstracts.

Top Inventors:

Sai Kiran Burle of Redwood City CA US (1 patents)
Alexander THIEMANN of San Francisco CA US (1 patents)
Calvin GRUNEWALD of Gilbert AZ US (1 patents)
Jason HORMAN of Carlsbad CA US (1 patents)
Dmitry ALEXEENKO of Seattle WA US (1 patents)

Patent Applications by Stripe, Inc.

20250156733. A METHOD FOR COMPUTING A PREDICTION USIN_simplified_abstract_(stripe, inc.)

Abstract: a method for computing a prediction using a machine learning model includes: receiving a current data sample of a sequence of data samples; retrieving, from a data store, a state value representing a learned embedding of previous samples of the sequence of data samples; computing, by a recurrent neural network, based on the current data sample and the state value: an output value representing an inference regarding the current data sample; and an updated state value representing a learned embedding of the current data sample and the previous samples of the sequence of data samples; storing the updated state value in the data store; and outputting the output value regarding the current data sample.

20250156784. ASPECTS OF THE SUBJECT TECHNOLOGY INCLUD_simplified_abstract_(stripe, inc.)

Abstract: aspects of the subject technology include receiving a request to generate an event-based workflow associated with a first event type, which includes a state machine that includes at least a state and an associated transition and receiving an event including a second event type and an event attribute. aspects also include determining whether the event attribute satisfies the triggering condition of the transition associated with the state, in response to determining that the second event type corresponds to the first event type, and when a current state of the event-based workflow corresponds to the state. aspects also include performing the transition action of the transition and updating the current state based at least in part on the performed transition action, in response to determining that the event attribute satisfies the triggering condition of the transition associated with the state.

20250156869. A METHOD AND APPARATUS FOR EFFICIENT AND_simplified_abstract_(stripe, inc.)

Abstract: a method and apparatus for efficient and progressive fraud detection are described. transactions are received by a server computer system and include attributes and transaction data. to determine whether a transaction is fraudulent, and thus should be rejected, a progressive fraud determination process is performed by the server computer system. the progressive fraud determination process includes performing a first set of one or more transaction fraud determinations based on a first set of features determined for the transaction. when the first set of one or more transaction fraud determinations identifies the transaction as fraudulent or legitimate, the progressive fraud determination process is terminated based on this decision, and before performing additional successive fraud determination processes. by exiting the progressive fraud determination process early, substantial processing, memory and bandwidth savings can be realized without sacrificing fraud detection accuracy.

20250156870. EMBODIMENTS MAY INCLUDE RECEIVING A REQU_simplified_abstract_(stripe, inc.)

Abstract: 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.