US 12,321,911 B2
Methods and systems for providing payment interface services using a payment platform
Christian Anderson, San Francisco, CA (US); and Stanislas Polu, San Francisco, CA (US)
Assigned to STRIPE INC., South San Francisco, CA (US)
Filed by Stripe, Inc., South San Francisco, CA (US)
Filed on May 15, 2023, as Appl. No. 18/197,618.
Application 18/197,618 is a continuation of application No. 17/200,095, filed on Mar. 12, 2021, granted, now 11,663,568.
Application 17/200,095 is a continuation of application No. 15/081,696, filed on Mar. 25, 2016, granted, now 10,949,822, issued on Mar. 16, 2021.
Prior Publication US 2023/0289757 A1, Sep. 14, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/12 (2012.01); G06Q 20/02 (2012.01); G06Q 20/22 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/12 (2013.01) [G06Q 20/027 (2013.01); G06Q 20/227 (2013.01); G06Q 20/405 (2013.01)] 18 Claims
OG exemplary drawing
 
1. A computer implemented method performed by a commerce platform system, comprising:
establishing, by a server system, first communications channels using a first set of application programming interfaces (APIs) that integrate the server system with a plurality of payment type provider platforms that provide a plurality of payment types;
receiving, by the server system, a request from a third-party server via a second communication channel, wherein the request comprises account data associated with an account, and wherein the third-party server and the server system communicate via a second set of APIs over the second communication channel to provide the third-party server access to the plurality of payment types;
generating a query comprising at least a portion of the account data;
executing the query at the plurality of payment type provider platforms;
receiving responses to the query from the plurality of payment type provider platforms, the response indicating whether at least a portion of the account data is associated with information in one or more data resources of the plurality of payment type provider platforms;
identifying available payment types for the account based on the responses;
executing a machine learning model to determine a relevancy score of each of the available payment types with respect to the account data, the relevancy score based at least in part on a probability of the account using each available payment type to complete a transaction, wherein the probability is calculated by the machine learning model;
ranking the available payment types based on the relevancy scores;
selecting, as one or more recommended payment types, available payment types having relevancy scores equal to or greater than a threshold or rank;
communicating, by the server system, the one or more recommended payment types to the third-party server causing the third-party server to provide the one or more recommended payment types within a user interface;
receiving, at the server system, a selection of one of the one or more recommended payment types; and
completing, by the server system, an electronic payment using the selected one of the one or more recommended payment types.