Square, Inc.

Adobe, Inc.

Nokia Technologies Oy

Nokia Corporation

Squre, Inc.

Andrew Borovsky

Paul Aaron

John Hillerich Martin

Matthew Millar

Jesse Lee Dorogusker

Thomas Templeton

Tyler James Lettau

Lauren A Myrick

Brian Lawrence Riggs

Govind P Balakrishnan

David W Maxwell

Richard Michael Collin

Graham Phillip Oldfield

Jeremy R Clark

Daniel John Cooley

Alexey Kalinichenko

Angus Ward Davis

Chris Thilgen

Daniel G Becker

Tiffany Y Ng

Antero Taivalsaari

Lauri Paimen

Florin Cristian Lohan

Riley Mcelroy Strong

Aaron Paul

John Martin

Andrew Lin

Apparatuses and methods for changing a financial account after initiating a payment using a proxy object, such as a proxy card, are disclosed. The proxy card is associated with multiple financial accounts, such as accounts associated with credit cards, debit cards, and pre-paid gift cards. A consumer presents the proxy card to a merchant to make a payment, and the merchant swipes the proxy card and processes the payment by sending transaction information to a financial system. A computer system associated with the financial system selects a payment account associated with the proxy card to use for the payment, and an authorization for the transaction is obtained. Later, the consumer is given a limited time within which he may change the financial account used for the payment, such as by using his mobile device to select a different account associated with the proxy card to use to obtain funds for the payment.

System and method for canceling a payment after initiating the payment using a proxy card

Changing a financial account after initiating a payment using a proxy card

A technique for a proxy card to emulate each of a plurality of payment cards according to emulation rules associated with the payment card. The proxy card initially selects one of the plurality of payment cards for emulation based on one or more selection rules or a user instruction. Next, the proxy card emulates the selected payment card according to one or more emulation rule associated with the selected payment card, each relating to how emulation is performed with respect to time, location, business, or other factors.

Controlled emulation of payment cards

Disclosed herein are techniques for providing a digital receipt to a consumer upon tender of payment to a merchant through the use of a proxy payment card in a financial transaction. The proxy payment card can be associated with multiple financial accounts (e.g., accounts associated with credit cards, debit cards, or gift cards). The digital receipt is automatically received at a personal computing device of the consumer in response to the financial transaction being charged to a financial account associated with the proxy payment card. The digital receipt includes information indicative of the financial transaction. The digital receipt can also include one or more interactive components that allow the consumer to interact with the transaction (and/or merchant) subsequent to transmission of the receipt, such as adding a tip, providing feedback, redeeming a promotion reward, tracking loyalty reward points, or reviewing transaction records of past and present transactions.

Proxy card payment with digital receipt delivery

An apparatus comprising: at least one processor; and at least one memory including computer program code, the at least one memory and the computer program code configured to, with the at least one processor, cause the apparatus to perform at least the following: receive a user input; and based on the user input, provide an open instance of a first camera control application on a first apparatus as a corresponding open instance of an at least related camera control application on a second apparatus.

Camera control application

An apparatus including at least one processor; and at least one memory including computer program code, the at least one memory and the computer program code configured to, with the at least one processor, cause the apparatus to perform at least the following: receive a user input; and based on the user input, provide an open instance of a first application on a first device as a corresponding open instance of at least a related application on a second device.

Provision of an open instance of an application

An apparatus, method, and computer program product are described that provide for the display of a visual transition between screens representing different interactive content to indicate to a user that the user is 'leaving' (e.g., transitioning away) from one screen and is 'entering' (e.g., transitioning to) another screen. In particular, a first graphical effect may be applied to a first screen and a second, different graphical effect may be applied to the second screen. The first graphical effect may be indicative of a transition from display of the first screen to non-display of the first screen, while the second graphical effect may be indicative of a transition from non-display of the second screen to display of the second screen. The combination of the first and second graphical effects may, thus, create for the user a visual transition from the first screen to the second screen.

Apparatus and method for providing a visual transition between screens

Based on one or more characteristics of a received translation input, a computing device is switched between two or more states. The translation input may be a touch input, for example a drag operation. The states may relate to locked and unlocked states, idle screens, or other suitable examples.

Mode switching

A method and apparatus for associating an account with a proxy card based on a photo are disclosed. The proxy card can be associated with account data from multiple other cards, such as account data from a driver's license and from various payment cards, such as a credit card, a debit card, and a pre-paid gift card. In some embodiments, a card-holder can associate an additional card with the proxy card by taking a photo of the face of the additional card using a mobile device. The mobile device analyzes the photo to obtain text representing account information that appears in the photo of the additional card. The mobile device associates the additional card with the proxy card by causing updating of stored association information, that represents an association between the card and the account data of the multiple cards, with the account information.

Associating an account with a card based on a photo

Growing community of inventors

New York, NY, United States of America

Andrew Borovsky