Block, Inc.

Square, Inc.

Emily Chiu

Christopher Michael Brock

Rebecca Corcillo

Tianlong Yun

Megan Coleman

Daniel Buchner

Moiz Jangda

Brian Grassadonia

Claudia J Ng

Kristopher David Stipech

Ryan Budd

River Satya

Daniel Shin

Lainey Stewart

Cyrille Villaflores

Khiry Shank

A decentralized node may generate a network of decentralized nodes individually configured to store, receive, and transmit data based on rules associated with the decentralized nodes. A decentralized node may associate a decentralized identity of an entity with a select decentralized node of the decentralized nodes. A decentralized node may present a user interface including one or more access controls at a edge device, the access controls configuring rules to be applied to third-party access and modification of decentralized identity data associated within the decentralized identity of the entity and stored at the selected decentralized node. A decentralized node may identify the decentralized identity data accessible to the select decentralized node based on the rules. A decentralized node may store the decentralized identity data within the decentralized identity associated with the entity at the select decentralized node.

Access controls for a decentralized network

Blockchain supported resource transfer communication protocol techniques are described. In an implementation, a semantic message is received encoding parameters to be implemented as part of a resource transfer involving a digital wallet. A quote is generated specifying attributes as part of implementing communication connections to perform the resource transfer in compliance with the parameters specified by the semantic message. An acceptance message is received indicating acceptance of the quote, the acceptance message including credentials of the digital wallet. Generation is initiated of an application executable as part of a blockchain as complying with the parameters and the attributes. Data describing the application as executable as part of the blockchain is transmitted for distribution to the digital wallet. The resource transfer is initiated through execution of the application as part of the blockchain.

Blockchain supported resource transfer communication protocol

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

A method comprising receiving, by a payment service system (PSS), a first biometric dataset produced by a wearable device of a user having a user account with the PSS associated with a respective wellness profile; training a machine learning model that uses as input user behavior and outputs a reward offer associated with behavior that improves a wellness score; determining, using the model, the reward offer for the user with a merchant; presenting the reward offer, wherein activation of the reward offer causes an association with the user account; receiving, from the mobile device, an indication that the user has activated the reward offer via a transaction with the merchant; obtaining a second biometric dataset at a time that is based on activation of the reward offer; and updating the user's wellness profile based on a comparison of the two biometric datasets.

Biometric-based payment rewards

Third party access controls for a decentralized network

In one embodiment, a method includes receiving, by a payment service system (PSS), a request for a cash advance drawn from a line of credit approved for a user. The line of credit is associated with an account maintained by the PSS and includes default repayment terms. The method includes in response to receiving the request, identifying, by the PSS, context characteristics of the request. The method includes determining, by the PSS using a machine learning model applied to the identified characteristics and historical context information stored at the payment service system, that the requested cash advance qualifies for repayment terms that are different form the default repayment terms. The method includes based on the determination, generating a set of modified repayment terms to be associated with the cash advance. The method includes transmitting, by the PSS, an indication of the modified repayment terms to a user device for authorization.

System and method for generating dynamic repayment terms

In one embodiment, a method includes receiving, by a payment service system (PSS) from a first device associated with a first user, a request to borrow an amount from a second user. The first user is associated with a first user account and the second user is associated with a second user account, both of which are maintained by the PSS. The method includes in response to receiving the request, identifying, by the PSS, a first transaction history associated with the first user account and a second transaction history associated with the second user account in a data store of the PSS. The method includes determining, by the PSS, repayment terms to be associated with the request to borrow the amount based on the first transaction history and the second transaction history.

Growing community of inventors

San Francisco, CA, United States of America

Emily Chiu