Patent ID: 11902266
Assignee: STRIPE, INC.
Field: Digital communication (Electrical engineering)
Classification: CPC H  G | IPC G  H

Claim 20:
21. A commerce platform system that generates and uses secure sharded onboarding user interfaces, the system comprising:
a memory; and
a processor coupled with the memory configured to:
determine, based on account type of a merchant account being onboarded for a merchant by a first user, that information for a user type associated with a second user associated with the merchant is to be collected to satisfy minimum merchant account compliance requirements;
allocate a person object in an accounts data store maintained by the commerce platform system for the merchant account, the person object allocated for the second user and associated in the accounts data store with the merchant account being onboarded for the merchant by the first user;

generate, by the commerce platform system, a secure link and transmit the secure link to the second user, the secure link resolving at the commerce platform system and comprising a unique identifier that is associated with the person object;
in response to receipt of selection of the secure link by the second user, generate a secure application programming interface (API) based graphical user interface to collect account information for the person object associated with the unique identifier, the user interface comprising an API key generated by the commerce platform and providing access to the person object;
transmit the secure API based graphical user interface with the API key to the second user, wherein a second user computer processing system renders the secure API based graphical user interface to the second user;
receive, from the secure API based graphical user interface, information for the user type associated with the second user, the information added to the person object; and
update the merchant account with the information from the person object to satisfy the minimum merchant account compliance requirements for the user type for the merchant account.