Block, Inc.

Square, Inc.

Edward Ruder

Christopher Russell Clark

Shawn Morel

Grace Huey Chen

Eric Monti

J Bryan Scott

James Puls

Mehdi Mulani

Bruce Bell

Brian Stegall

Jared Travis Marr

Matthew O'Connor

Katherine Brennan

Allyson Schrader

Timothy Donnelly

Christopher Cosgrove

Grace Chen

Christopher R Clark

In an example, a method can include receiving, at a merchant-facing portion of a payment system, data from a customer-facing portion of the payment system indicating a payment transaction between a merchant and a customer, wherein there is a physical connection between the portions; determining that the payment system is unable to access a remote payment service system via an external network; determining that the payment transaction is not preapproved for payment by the remote payment service system; storing the payment transaction on the merchant-facing portion even though the payment transaction is not preapproved; determining that the payment system is able to access the remote payment service system via the external network; and transmitting transaction information including the stored payment transaction to the remote payment service system, via the external network, for processing the stored payment transaction.

Transaction processing by multiple devices

Intelligent merchant onboarding is described. A service provider can determine first directive(s) that were presented to one or more first potential merchants that completed an onboarding process with the service provider and second directive(s) that were presented to one or more second potential merchants that did not complete the onboarding process. The service provider can train a data model based at least partly on the first directive(s) or the second directive(s), Based at least partly on receiving an indication that a potential merchant initiates the onboarding process, the service provider can determine information associated with the potential merchant. Based at least partly on the data model and the information, the service provider can intelligently determine an order that one or more directives are to be presented to the potential merchant such that a first directive of the first directive(s) is presented prior to a second directive of the second directive(s).

Intelligent merchant onboarding

Techniques associated with a customer-facing device and a merchant-facing device are described herein. In an example, a system can include a customer-facing device configured with a customer application that is executable on an operating system of the customer-facing device to (i) display information to a customer and (ii) receive input from the customer, wherein the customer-facing device includes a payment reader to read payment data from a payment instrument in association with a payment transaction between the customer and a merchant, and a merchant-facing device configured with a merchant application that is executable on an operating system of the merchant-facing device to (i) display information to the merchant and (ii) receive input from the merchant. In at least one example, the customer-facing device and the merchant-facing device can communicate to process, at least in part, the payment transaction associated with the payment instrument via a remote payment service system.

Intelligent merchant onboarding is described. A service provider can determine first directive(s) that were presented to one or more first potential merchants that completed an onboarding process with the service provider and second directive(s) that were presented to one or more second potential merchants that did not complete the onboarding process. The service provider can train a data model based at least partly on the first directive(s) or the second directive(s). Based at least partly on receiving an indication that a potential merchant initiates the onboarding process, the service provider can determine information associated with the potential merchant. Based at least partly on the data model and the information, the service provider can intelligently determine an order that one or more directives are to be presented to the potential merchant such that a first directive of the first directive(s) is presented prior to a second directive of the second directive(s).

Method, systems, and apparatus for a method of processing a payment transaction using a mobile device of a merchant. In one aspect, determining the mobile device does not have a connection to an external network; receiving data indicating a payment transaction between a customer and the merchant; determining whether the payment transaction should be stored, where the determining is based on a risk heuristic model that considers one or more of the following: a number of already stored transactions, a value of the payment transaction, a total value, where the total value is a sum of the value of the payment transaction and values of one or more already stored transactions, and risk factors associated with the customer; and based at least on the determination, storing the payment transaction on the mobile device for future processing.

Storing and forwarding payment transactions

Growing community of inventors

San Jose, CA, United States of America

Edward Ruder