Square, Inc.

Block, Inc.

Cody Rose

Paul Aaron

Various embodiments are related to receiving, by a system and from a user interface associated with an application, provided by the system and executing on a computing device of a user, an input for configuring early payment of at least a percentage of earned pay of the user; and initiating, by the system, an electronic transfer of a payment for at least the percentage of the earned pay of the user to an account of the user, wherein the electronic transfer occurs prior to a scheduled paycheck for the earned pay.

Early payment of earned pay

A payment system can accept an electronic reservation for a merchant restaurant in response to a reservation request received from a user. The payment system can detect that the user is present at a location associated with the merchant restaurant based at least in part on an indication received from a mobile device associated with the user. The payment system can determine a completion of a service associated with the electronic reservation. The payment system can provide an electronic bill for the service to be displayed on the mobile device of the user. Based on receiving an authorization of the electronic bill from the mobile device of the user, the payment system can charge, through a card-less payment transaction, the user for at least an amount disclosed in the electronic bill.

Automatic billing payment system

Various embodiments are related to apparatuses and methods related to payroll processing. An employee can designate a customized payroll pay period, and each employee can designate a different payroll pay period. For example, the employee can designate to receive payroll payments on any frequency supported by the employer, including receiving a daily payroll payment on each day that the employee works. The employee's employer can make payroll payments according to the employee's designation. Further, when the employer is a merchant that makes sales each day using, for example, a point of sale system, the employer can electronically pay the employee using funds from the day's sales. For example, the employee can work on a selected day, and can receive an electronic payroll payment at the end of the shift. The employee can immediately use the just received electronic payment funds to purchase a good from a second merchant.

Employee customizable payroll processing

An aggregating server obtains information about a method of payments by a customer and aggregate all instances of payment by that customer with respect to one or more merchants. That is, the server can associate various methods of payment at a merchant with the same customer (e.g. credit card information, information associated with a digital wallet application payment, device identifier along with geo-fence data, etc.) Thereafter, information at the server regarding frequency of visits, money spent, menu preferences, etc. can also be shared with the merchant in order to provide information for increasing customer satisfaction during further visits by the customer. Also, the server can determine whether the customer qualifies for a loyalty or discount programs based on past visits.

Customer data aggregation

Apportioning shared financial expenses

A determination can be made that a first user is available for a card-less payment transaction with a merchant restaurant. Data describing a booking for a shared financial expense to be incurred at the merchant restaurant can be obtained. The data can describe a second user participating in the group transaction. A total amount due for the shared financial expense can be obtained. A determination can be made that the second user is contributing to the shared financial expense. A respective electronic bill for the first and second users can be generated. Each respective electronic bill can be for an apportioned amount due for the shared financial expense. Data describing the respective electronic bill for the apportioned amount due for the shared financial expense can be sent to the first and second users.

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San Francisco, CA, United States of America

Cody Rose