The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Jun. 09, 2026
Filed:
Dec. 14, 2023
Stripe, Llc, South San Francisco, CA (US);
Salil Bapat, Bellevue, WA (US);
Mark Tokutomi, Reno, NV (US);
Sankash Shankar, Brooklyn, NY (US);
Ville-Jalmari Koskela, Redmond, WA (US);
Sumeet Bedi, Kirkland, WA (US);
Eric Kramer, San Francisco, CA (US);
Devesh Chourasiya, Mountain View, CA (US);
Albert Koy, Sunnyvale, CA (US);
Stripe, LLC, South San Francisco, CA (US);
Abstract
Aspects of the subject technology include obtaining a transfer request event associated with a transaction, the transfer request event indicating a request day of week and time of day, and, when the request time of day is past a pre-determined cutoff time, adjusting the request day of week to be a subsequent day. Aspects also include determining, using the transfer request event and based on a machine learning model trained on historical transaction data, a predicted transfer delay for the transaction, obtaining a set of relevant non-transfer days based on a comparison between the historical transaction data and a set of past non-transfer days, and, when one or more non-transfer days from the set of relevant non-transfer days occur within a time period from the request day of week and over the predicted transfer delay, adjusting the predicted transfer delay based on the one or more non-transfer days.