IP Library Granted Patent US 12,591,886
Granted Patent B1
US 12,591,886 · App. 19/082,124 · Granted Mar 31, 2026

Processing system of a network using intent object to instruct servers regarding electronic device

Inventors: Dan Wang (South San Francisco, CA); Olivier Godement (South San Francisco, CA); Sara Meretab (South San Francisco, CA); Sophia Sakellariadis (South San Francisco, CA); Huan Chen Lu (South San Francisco, CA)
Assignee: Stripe, LLC
G06Q20/385G06Q20/10G06Q20/12
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Quick Facts
Patent No.
US 12,591,886
App. No.
19/082,124
Granted
Mar 31, 2026
Kind
B1
Abstract

A method comprising: creating, on a server, an object corresponding to the transaction; tracking state of the object as the object transitions between a plurality of states, the object being in one state while waiting for a transfer for the transaction; and automatically associating with the object by matching a reference code received with the transfer.

Claims (62)

1 . A processing system of a network, comprising:

memory; and

one or more processors, coupled to the memory, configured to cause the processing system to perform operations comprising:

serving, to a browser of an electronic device, a form that is enabled by an object-oriented programming language library;

receiving, from the browser of the electronic device and based on serving the form that is enabled by the object-oriented programming language library, information that is not sent from the browser of the electronic device to one or more servers associated with a website;

generating, based on receiving the information from the browser of the electronic device, a single-use token for the browser of the electronic device;

transmitting the single-use token to the browser of the electronic device;

receiving, based on transmitting the single-use token to the browser of the electronic device, a request that is submitted by the one or more servers using the single-use token and that includes a payment intent object that includes information regarding a transaction;

setting a status, of the payment intent object, to indicate that an action is required using the electronic device;

updating, to obtain an updated object, the status, of the payment intent object, to indicate that the action succeeded; and

transmitting the updated object to the one or more servers.

2 . The processing system of claim 1 ,

wherein the operations further comprise:

sending, before receiving the request, a virtual account number to the one or more servers.

3 . The processing system of claim 1 , wherein the action includes the electronic device sending a request for a transfer to the processing system.

4 . The processing system of claim 1 ,

wherein the payment intent object includes a reference code created by the one or more servers.

5 . A method, comprising:

receiving, by a processing system, information from a browser of an electronic device;

generating, by the processing system and based on receiving the information from the browser of the electronic device, a single-use token for the browser of the electronic device;

transmitting, by the processing system, the single-use token to the browser of the electronic device;

receiving, by the processing system, from one or more servers, and based on transmitting the single-use token to the browser of the electronic device, a payment intent object that includes information regarding a transaction associated with the electronic device and a client-side application associated with the one or more servers;

sending, by the processing system and to the one or more servers, the payment intent object with a status indicating that an action is required;

receiving, by the processing system and from the one or more servers, an indication that indicates a successful interaction, for the action, between the one or more servers and the electronic device;

updating, to obtain an updated object and based on receiving the indication from the one or more servers, the status, of the payment intent object, to indicate that the action succeeded; and

transmitting the updated object to the one or more servers.

6 . The method of claim 5 , further comprising:

sending a virtual account number to the one or more servers before receiving the payment intent object from the one or more servers.

7 . The method of claim 5 , wherein the status is undated.

8 . The method of claim 5 , wherein the action includes the electronic device sending a request for a transfer to the processing system.

9 . The method of claim 5 , wherein the action is a transfer to provide for the transaction.

10 . The method of claim 5 , wherein sending the payment intent object with the status comprises:

sending, to the one or more servers, a notification that a transfer is needed that specifies information identifying an instruction for the transfer and a first reference code for the transfer.

11 . The method of claim 10 , further comprising:

receiving the transfer; and

associating the transfer with the payment intent object by matching a second reference code received with the transfer to the first reference code.

12 . The method of claim 5 , further comprising:

transmitting, by the processing system and to the electronic device, a form, for the information, after the client-side application is used to set up the transaction.

13 . The method of claim 5 , wherein receiving the payment intent object comprises:

receiving, from the one or more servers and based on transmitting the single-use token to the browser of the electronic device, a request that includes the payment intent object.

14 . The method of claim 5 ,

wherein the payment intent object includes a reference code, and

wherein the instructions include an instruction to include, in a transfer to the processing system, the reference code.

15 . The method of claim 14 , wherein the instructions further include, in the transfer to the processing system, a virtual account number associated with the electronic device.

16 . The method of claim 5 , further comprising:

receiving, before updating the status, a transfer sent to a virtual account number created by the processing system and sent to the electronic device for the transfer.

17 . The method of claim 5 , wherein the payment intent object specifies a list of methods for satisfying the transaction.

18 . One or more non-transitory computer-readable medium storing instructions that, when executed by one or more processors of a processing system, cause the processing system to perform operations comprising:

receiving information from a browser of an electronic device;

generating, based on receiving the information from the browser of the electronic device, a single-use token for the browser of the electronic device;

transmitting the single-use token to the browser of the electronic device;

receiving, from one or more servers and based on transmitting the single-use token to the browser of the electronic device, a payment intent object that includes information regarding a transaction associated with an electronic device and a client-side application associated with the one or more servers;

setting a status, of the payment intent object, to indicate that an action is required for the transaction;

sending, after setting the status, the payment intent object to the one or more servers;

updating, to obtain an updated object, the status, of the payment intent object, to indicate that the action succeeded; and

transmitting the updated object to the one or more servers.

19 . The one or more non-transitory computer-readable medium of claim 18 , wherein the operations further comprise:

sending a virtual account number to the one or more servers before receiving the payment intent object from the one or more servers.

20 . The one or more non-transitory computer-readable medium of claim 18 , wherein updating the status of the payment intent object comprises:

receiving a transfer,

associating the transfer with the payment intent object, and

updating the status of the payment intent object based on associating the transfer with the payment intent object.

Assignments (1)
CHANGE OF NAME Recorded Jan 7, 2026
From: STRIPE, INC.
To: STRIPE, LLC
Reel/Frame 074264/0807 →