Stripe, Inc. patent applications on June 27th, 2024
Patent Applications by Stripe, Inc. on June 27th, 2024
Stripe, Inc.: 7 patent applications
Stripe, Inc. has applied for patents in the areas of G06Q20/40 (3), G06Q20/38 (2), G06Q30/018 (2), G06F8/38 (1), H04L9/08 (1) G06Q30/0185 (2), G06F8/38 (1), G06Q10/06395 (1), G06Q20/389 (1), G06Q20/4016 (1)
With keywords such as: merchant, data, transaction, include, fraud, server, webhook, computer, platform, and into in patent application abstracts.
Patent Applications by Stripe, Inc.
20240211219.EMBEDDED USER INTERFACE ELEMENTS_simplified_abstract_(stripe, inc.)
Inventor(s): Fanyun FANG of San Francisco CA (US) for stripe, inc., Christopher Jeffrey STREETER of Ardmore PA (US) for stripe, inc., Jorge Eugenio AGUIRRE GONZALEZ of Bothell WA (US) for stripe, inc., Kevin Chekin HO of New York NY (US) for stripe, inc., Jason GUPTA of San Francisco CA (US) for stripe, inc., Matthew Anthony BASTA of Raleigh NC (US) for stripe, inc., Samuel De Jun Victor LYE of San Francisco CA (US) for stripe, inc.
IPC Code(s): G06F8/38, G06F3/0481, G06F3/0484, G06F9/451, G06F9/54, G06F16/958, G06F40/143
CPC Code(s): G06F8/38
Abstract: in some embodiments, a computer system receives a request to render components of a webpage. in some embodiments, in response to receiving the request, a platform of the webpage loads a script element that creates an inline frame element and receives a secret token. in some embodiments, the computer system authenticates an embedded session within the platform using the secret token and generates an api key, wherein the api key is used by the inline frame element to authenticate api requests to an api server. in some embodiments, the computer system receives, via the inline frame element, data corresponding to the one or more embedded ui elements from a resource associated with a third-party entity, wherein the inline frame element is a proxy between the platform and the api server. in some embodiments, the computer system renders the one or more embedded ui elements in a shadow document object model.
Inventor(s): Daniel SIM of Sengkang (SG) for stripe, inc., Donald Vitas M. PIRET of Marine Parade (SG) for stripe, inc., Shengwei WU of singapore (SG) for stripe, inc.
IPC Code(s): G06Q10/0639, G06N20/00
CPC Code(s): G06Q10/06395
Abstract: 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.
Inventor(s): Ameesh Goyal of South San Francisco CA (US) for stripe, inc., Jack Dent of South San Francisco CA (US) for stripe, inc., Wanghong Yuan of South San Francisco CA (US) for stripe, inc., Seth Toren-Herrinton of South San Francisco CA (US) for stripe, inc.
IPC Code(s): G06Q20/38, G06Q20/40
CPC Code(s): G06Q20/389
Abstract: a method and apparatus for a first server computer system processing a transaction received from a second server computer system are described. the method may include receiving a request to perform a first transaction. the method may also include generating a second transaction originating from an account of the first server computer system, the second transaction comprising payment data associated with a user selected payment method for the first transaction. the method may also include transmitting the second transaction to a transaction interface of the first server computer system, and authorizing the second transaction with an authorization system using payment data associated with the user selected payment method for the first transaction to complete the first transaction.
Inventor(s): Massoud Hosseinali of South San Francisco CA (US) for stripe, inc., Florian Hartl of South San Francisco CA (US) for stripe, inc., Efstathios Vafeias of South San Francisco CA (US) for stripe, inc., Keagan Long of South San Francisco CA (US) for stripe, inc., Stef Nelson-Lindall of South San Francisco CA (US) for stripe, inc., Dan Brown of South San Francisco CA (US) for stripe, inc.
IPC Code(s): G06Q20/40, G06N20/20
CPC Code(s): G06Q20/4016
Abstract: a method and apparatus for detecting fraudulent merchant activities at a commerce platform system are described. the method may include accessing a first set of merchant system data and encoding the first set of merchant data into a set of structure data input signals. the method may also include accessing a set of time based data associated a set of sequential operation performed at the commerce platform system in response to the merchant system transaction being processed, and encoding the set of time based data into a set of unstructured time-based data input signals. the method may also include inputting the sets of inputs into different machine learning models to generate different machine learning model scores predictive of merchant fraud. the method may further include generating a single merchant fraud score, and in response to detecting that the single merchant fraud score satisfies a fraud detection threshold, initiating one or more remediative actions against the merchant system transaction, the merchant system, or a combination thereof.
Inventor(s): Massoud Hosseinali of South San Francisco CA (US) for stripe, inc., Florian Hartl of South San Francisco CA (US) for stripe, inc., Efstathios Vafeias of South San Francisco CA (US) for stripe, inc., Keagan Long of South San Francisco CA (US) for stripe, inc., Stef Nelson-Lindall of South San Francisco CA (US) for stripe, inc., Dan Brown of South San Francisco CA (US) for stripe, inc.
IPC Code(s): G06Q30/018, G06F18/23213
CPC Code(s): G06Q30/0185
Abstract: a method and apparatus for detecting fraudulent merchant activities at a commerce platform system are described. the method may include accessing signal data for a merchant system generated for one or more merchant system transactions processed by a commerce platform system, encoding the signal data into a plurality of sets of input signals, and inputting a first set of input signals into a first machine learning model to generate a fraud score from the first set of input signals. the method may also include performing clustering of the merchant system using a second set of input signals to cluster the merchant system with zero or more additional merchant systems in one of a plurality of different merchant system cohort clusters, and generating cluster fraud scores. in response to detecting that a cluster fraud score for a cluster into which the merchant system was assigned satisfies a cohort cluster fraud threshold, the method may include taking an action against each merchant system in the cluster.
Inventor(s): Massoud Hosseinali of South San Francisco CA (US) for stripe, inc., Florian Hartl of South San Francisco CA (US) for stripe, inc., Efstathios Vafeias of South San Francisco CA (US) for stripe, inc., Keagan Long of South San Francisco CA (US) for stripe, inc., Stef Nelson-Lindall of South San Francisco CA (US) for stripe, inc., Dan Brown of South San Francisco CA (US) for stripe, inc.
IPC Code(s): G06Q30/018, G06Q20/38, G06Q20/40
CPC Code(s): G06Q30/0185
Abstract: a method and apparatus for detecting fraudulent merchant activities at a commerce platform system are described. the method may include accessing different types of merchant system data generated for a merchant system transaction being processed by a commerce platform system. the method may also include encoding sets of merchant system data into sets of different types of data, and inputting the sets into different machine learning models to generate predictions of different types of merchant fraud. the method may also include generating a single merchant fraud score by combining the different fraud scores, and in response to detecting that the single merchant fraud score satisfies a fraud detection threshold, initiating one or more remediative actions against the merchant system transaction, the merchant system, or a combination thereof.
20240214227.REVERSE WEBHOOK AUTHENTICATION_simplified_abstract_(stripe, inc.)
Inventor(s): Ji HUANG of Bothell WA (US) for stripe, inc., Yu-Ting TSAI of Richmond CA (US) for stripe, inc.
IPC Code(s): H04L9/32, H04L9/08, H04L67/147
CPC Code(s): H04L9/3297
Abstract: the disclosure generally describes one or more techniques for authenticating a webhook endpoint with a webhook server. some techniques include a webhook server sending a seed with a webhook endpoint after the webhook endpoint is registered with the webhook server. in some examples, the webhook server generates the seed to send to the webhook endpoint and stores the seed with a key associated with the webhook endpoint. in such examples, the webhook server does not send data associated with the particular events to the webhook endpoint until the webhook endpoint acknowledges receipt of the seed while the seed is still valid.
