Stripe Patent for End-to-End Encryption Card Transactions

ChangeBridge: Patent Grants - Business Methods (G06Q)

Published March 24th, 2026

Detected March 25th, 2026

Summary

The USPTO has granted Stripe, Inc. a patent (US12586077B2) for systems and methods related to end-to-end encryption of card transactions within a commerce platform. This patent covers a process for securely handling card-not-present transactions by decrypting encrypted payment card data using a commerce platform's encryption key.

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What changed

The United States Patent and Trademark Office (USPTO) has issued patent US12586077B2 to Stripe, Inc. This patent details a method and apparatus for processing card-not-present transactions using a commerce platform. The core innovation involves receiving a transaction request with encrypted payment card data, decrypting it using a platform-specific key, and then authorizing the transaction with the decrypted data. This grant signifies a new intellectual property asset for Stripe in the area of secure payment processing.

While this is a patent grant and not a regulatory rule, it highlights advancements in payment security technology. Companies utilizing or developing similar encryption methods for card transactions should be aware of this patent. Compliance officers in the financial technology and e-commerce sectors may wish to review their own transaction processing security protocols to ensure they do not infringe on this patented technology. No immediate compliance actions are required for entities not directly involved in developing or implementing this specific patented system.

Source document (simplified)

← USPTO Patent Grants

Systems and methods for end to end encryption utilizing a commerce platform for card not present transactions

Grant US12586077B2 Kind: B2 Mar 24, 2026

Assignee

STRIPE, INC.

Inventors

Jonathan Wall, Ross Favero, Gautam Seshan Raj, Eric Glass

Abstract

A method and apparatus for processing a transaction between a merchant system and a customer system, the customer system associated with a customer of the merchant are described. The method may include receiving, at a commerce platform, a transaction request from the merchant system, wherein the transaction request is generated by the merchant system and comprises a card identifier and encrypted payment card data, wherein the card identifier is determined from card data for a payment card used in the transaction and the encrypted payment card data comprises at least an encryption of a payment account number. The method may also include decrypting, by the commerce platform, the encrypted payment card data using an encryption key selected based on the card identifier, the encryption key associated with the commerce platform. Furthermore, the method may include authorizing, by the commerce platform in communication with one or more authorization systems, the transaction using the decrypted payment card data.