Square, Inc.

Block, Inc.

Brian Grassadonia

Jack Dorsey

William Henderson

Michael Dustin Moring

Robert Loring Andersen

Jesse Wilson

Ayokunle Omojola

James M McKelvey

Xuancong Wen

Daniele Perito

Christopher Michael Brock

Mathew Wilson

Kristopher David Stipech

Ajit Kalidindi Varma

Jim McKelvey

Mark Jen

Lauren A Myrick

Matthew Rhodes

David W Maxwell

River Satya

Ryan Budd

Marc Hernandez

Daniel Shin

James M Mckelvey

Ashutosh Sham Dhodapkar

Bob Lee

Joachim Bekmann

Austin Broyles

David Mark Byttow

Jochen Bekmann

Jesse Lee Dorogusker

Jeremy Wade

Jesse Lee Reiss

Matthew H Maibach

Peter Westen

Emily Chiu

Alan Paulin

Eric Firestone

Matthew Wilson

Dustin Moring

Brian Joseph Neidermeyer

Tobi Kral

Ayo Omojola

Crissy Solh

Brian Joseph Niedermeyer

James Mckelvey

Kristopher Stipech

David M Byttow

Robert Lee

Disclosed herein is a technology for automatically triggering delivery of a digital receipt for one or more financial transactions based on a change in location of the user or a time. In at least some embodiments, the technology includes a payment system detecting a change in location of a user or a change in time and determining, based on the change, that a payment transaction has occurred. The payment system then causes presentation of digital receipt for the payment transaction on a mobile device of a customer.

Automatic triggering of receipt delivery

Techniques disclosed include receiving, via a user interface of a first device associated with a first user, an input indicating an amount of funds to be transferred from a first user's financial account to a second user's financial account without identifying another user to whom the funds will be transferred; detecting, using an NFC wireless network, a second device that is in physical proximity of the first device, the second device being associated with a second user, wherein each of the first user and the second user have respective accounts registered with a payment service system; sending, by the first device and via the NFC wireless network, an electronic message requesting or sending a payment in the amount of the funds to the second device; and transmitting a notification to the payment service system to process the payment between the first user and the second user.

Proximity-based device identification for payments

In one embodiment, a payment service system-implemented method of assigning payment card numbers for individual user accounts associated with the payment service system includes receiving payment card numbers activated by a third-party server that are unassigned to accounts registered. The method includes receiving a first transaction authorization request for one of the payment card numbers and denying the request, without notifying the third-party server, based on the number being unregistered with the payment service system. The method includes receiving, via an executable application, a request to register a user account for a payment service system user, and in response, generating a record assigning the payment card number to the user account. The method includes receiving a second transaction authorization request for the payment card number, authorizing the request based on the number being assigned to the user account, and notifying the third-party server, causing user account's balance to be modified.

Secure account creation

Systems and methods are disclosed embodying techniques directed to, in association with a transaction between a payor and a payee, determining a parameter associated with at least one of the payee, payor, or transaction. Methods and systems further include dynamically determining, based on the parameter, a customized transaction flow for the payee, wherein the customized transaction flow comprises a set of operations for completing the transaction. Method and systems are further directed to causing one or more user interfaces corresponding to one or more of the set of operations to be presented via a user device of the payor for execution of the set of operations.

Dynamically determining a customized transaction flow

Methods and systems directed to scanning, by an imaging device associated with a customer computing device, a Quick Response (QR) code displayed on a merchant computing device; decoding, by an application on the customer computing device, data embedded in the QR code; identifying, by the customer computing device and based on the decoded data, a uniform resource locator (URL) associated with a web page of the merchant, wherein the URL includes a payment proxy associated with the merchant; presenting the web page on the customer computing device; transmitting, by the customer computing device, an indication of interaction with the web page comprising an intent to purchase item(s) offered for sale via the web page; and receiving, by the customer computing device, an indication of completion of a payment for the item(s) facilitated by parsing the payment proxy server(s) of a payment processing system.

Apparatuses, methods, and systems for transmitting payment proxy information

In one embodiment, a method includes receiving first payment data and a first identifier of a first user, wherein the first payment data is linked to the first identifier and stored in a datastore of the payment service and in association with a first user account of the payment service; receiving, second payment data and a second identifier of a second user, wherein the second payment data is linked to the second identifier and stored in the datastore and in association with a second user account of the payment service; receiving a request for a near-instantaneous transfer of a payment for a transaction between the first user and the second user, the request including the first identifier; and in response to receiving the request, identifying the first user account and the second user account; and causing the near-instantaneous transfer of the payment to a financial account of the first user.

Payout payment platform

A method of processing a transaction between a customer and a merchant includes receiving from a mobile device of the customer or from another device of the customer an indication of consent to perform a cardless payment transaction with the merchant, receiving from the mobile device an indication that the customer is within a predetermined distance of the merchant, after receiving both the indication of consent and the indication that the customer is within the predetermined distance, sending to a computer system of the merchant an indication of the presence of the customer and personal identifying information for the customer, receiving data indicating a transaction between the customer and the merchant, and submitting the transaction to a financial service for authorization.

Authorization of cardless payment transactions

Display screen or portion thereof having a graphical user interface

Described is a technology that enables a customer, who uses a payment card in a transaction and further provides an identifier in the same transaction, to use the identifier as a payment mechanism in future transactions. In some embodiments, the technology involves communication between a customer's user device, a payment service system (PSS), and one or more merchant point-of-sale (POS) systems. A merchant POS system collects information in a transaction between the merchant POS system and the customer, including the customer's contact information (e.g., telephone number), and forwards this information to the PSS. The PSS stores the information as an identifier, and the identifier is stored in association with the payment card. In a second transaction, the PSS sends a verification request to the user device based on the identifier (e.g., a text message), and processes the transaction upon confirmation from the customer.

Payment by use of identifier

Techniques disclosed include systems and methods including, in association with a transaction between a first payer and a payee, determining a second payer that is associated with the transaction. Techniques include receiving specification of a portion of a payment amount associated with the transaction to be requested from the second payer. Techniques include, upon receiving an indication from the first payer to request payment of the portion of the payment amount from the second payer, transmitting an identifier associated with the second payer and the specified portion of the payment amount to a remote server. The remote server can be configured to transmit a request to a second mobile device associated with the second payer to permit a transfer of the portion of the payment amount from the financial account of the second payer in association with the transaction.

Proximity-based payments

In one embodiment, a method includes obtaining, by a payment service system, an amount of security assets via a securities exchange system. The method includes determining amounts of security assets owned by the payment service system and users of the payment service system. The method includes receiving, via an application of the payment service system executing on a device of a user of the payment service system, a request from the user to sell an amount of a security asset owned by the user. The method includes facilitating execution of a sale of the amount of security assets. The method includes, prior to the sale request settling, depositing, by the payment service system, a currency account of the user with an amount of funds associated with a determined value of the security asset requested to be sold by the user.

Asset pack recommendation and management

In one embodiment, a method includes receiving a request for payment associated with a transaction between a first user and a second user, where the request specifies a payment amount in a fiat currency and identifying an indication that the first user intends to satisfy the request for payment using a non-fiat instrument. The method also includes initiating a first transfer of a value corresponding to the payment amount in the non-fiat instrument from a first balance of the first user to one or more service balances of a payment service and initiating a second transfer of a value corresponding to the payment amount in the fiat currency from the one or more service balances of the payment service to a second balance of the second user.

Cryptocurrency payment network

In particular embodiments, techniques include receiving a request to establish an automated transaction that includes transferring funds from a first financial account to a second financial account. The automated transaction occurs in a plurality of instances. The techniques include determining that a next instance of the automated transaction is to be executed and, prior to executing the next instance, predicting a future balance of the first financial account as a result of executing the next instance. The techniques include determining that the predicted future balance is below a threshold amount and automatically postponing the next instance until the predicted future balance exceeds the threshold amount. The techniques include, upon determining that the predicted future balance exceeds the threshold amount, automatically executing the next instance by causing a transfer of funds from the first financial account to the second financial account.

Physical, logical separation of balances of funds

In one embodiment, techniques include a method of handling transactions for a pack of security assets. The method includes identifying a subset of a set of security assets for inclusion in the pack of security assets to be recommended to a user based on an analysis of one or more criteria associated with the user. The method includes causing an electronic device to display a user interface to facilitate a purchase of the pack. The method includes, in response to determining a user selection corresponding to a request to purchase the pack and a specified value of currency: calculating a number of base units of each security asset based on the existing value of a base unit of each security asset, including a fractional portion of the base unit; and assigning, for each security asset, ownership of the calculated number of base units of each security asset to the user.

Security asset packs

Methods, systems, and apparatus, including computer programs encoded on computer storage media, for transferring money using email. One of the methods includes receiving a user input of a funds-transfer request from a sender associated with a first identifier to one or more recipients associated with one or more second identifiers, respectively, generating one or more electronic messages based on the user input, each being operable to allow a respective recipient to send a funds-transfer authorization, sending the electronic messages to the recipients based on the second identifiers, receiving one or more funds-transfer authorizations from the one or more recipients, respectively, identifying a sender account based on the first identifier and one or more recipient accounts based on the one or more second identifiers, respectively; and initiating one or more transfers of funds from the one or more recipient accounts to the sender account, respectively.

Transferring money using electronic messages

Growing community of inventors

San Francisco, CA, United States of America

Brian Grassadonia