Square, Inc.

Block, Inc.

Twitter, Inc.

Jack Dorsey

Brian Grassadonia

James M McKelvey

William Henderson

Xuancong Wen

Amish Rajesh Babu

Kartik Lamba

Adam David Peter Rothschild

Jim McKelvey

Robert Loring Andersen

Mathew Wilson

Christopher Isaac Stone

Jesse Wilson

Gerald Thomas Ryle

Michael Shyh-Yen Ho

James M Mckelvey

Elliot John Patrick Sather

Nathan P McCauley

Jesse Lee Reiss

Ajit Kalidindi Varma

Bob Lee

Austin Broyles

David Mark Byttow

Gregory Staples

Justin Phillip Cummins

Oliver Samuel Curran Quigley

Paul Aaron

Christopher Russell Clark

Diogo Monica

Shawn Morel

Matthew Rhodes

Matthew Wilson

Sam Wen

Diego Monica

Brian Joseph Neidermeyer

Daniel Scrivner

Louie Mantia

Brian Joseph Niedermeyer

James Mckelvey

David M Byttow

Robert Lee

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

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

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

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

The present technology pertains to storing transaction information for transactions with merchants in association with an identifier of a buyer, and transmitting an electronic receipt, including the transaction information to the buyer. The present technology includes a system and methods for associating a transaction card number with the user identifier of the buyer, such that the transaction information can be associated with the user identifier of the buyer even when the merchant does not receive the transaction card number or the user identifier of the buyer.

Automatic storage of electronic receipts across merchants and transaction cards

In an embodiment, a computer-implemented method for causing funds to be transferred between a first user and a second user of a payment transfer system includes receiving, from an application executing on a user device of the first user, a user input for a payment transfer. The user input includes an identifier associated with the second user and a payment amount. The method includes configuring a resource associated with the payment transfer system and accessible via an interactive interface element activatable at a user device of the second user. The resource is configured to initiate transfer of the payment amount. The method includes causing an electronic message associated with the payment transfer and the interactive interface element to be transmitted to the user device of the second user. The method includes, upon receiving an indication of an intent to effectuate the payment transfer, initiating a transfer of the payment amount.

Transferring money using interactive interface elements

An example system for device-independent point to multipoint communication is configured to receive a message addressed to one or more destination users, the message type being, for example, Short Message Service (SMS), Instant Messaging (IM), E-mail, web form input, or Application Program Interface (API) function call. The system also is configured to determine information about the destination users, the information comprising preferred devices and interfaces for receiving messages, the information further including message receiving preferences. The system applies rules to the message based on destination user information to determine the message endpoints, the message endpoints being, for example, Short Message Service (SMS), Instant Messaging (IM), E-mail, web page output, or Application Program Interface (API) function call. The system translates the message based on the destination user information and message endpoints and transmits the message to each endpoint of the message.

Device independent message distribution platform

Techniques are disclosed for facilitating customers' mobile devices to conduct proximity-based payments to reduce the friction of conducting payments from one party to another. In some embodiments, a customer's mobile device can detect another mobile device that is in proximity. For example, the detected device may be in the same wireless personal area network as the customer's device. The customer's device can transmit to a payment service system server (PSS) an identifier identifying the other mobile device that it receives from the other mobile device that is in proximity. The customer's device can receive identification information about the user of the other device from the PSS. When the customer confirms sending a payment to the other user, the PSS facilitates a transfer of a payment amount between a financial account of the customer and a financial account of the user of the other device.

A computer-implemented method for facilitating a transaction between a payer and a merchant comprises identifying one or more merchants that are at or in proximity to a geolocation of the payer, and providing the payer a reward, notification or a reminder of a stored value associated with a merchant to apply to a transaction with the merchant. The reward, notification or reminder of the stored value can be provided based on an inference of intent of the payer to conduct a transaction with the merchant. A request to conduct a transaction with the merchant is received from the payer. The transaction between the payer and the merchant is processed with the reward or stored value applied thereto. A notification can be sent to the payer alerting the payer to a discounted item or proximity of the payer to an item and/or merchant they have saved to a list.

Systems and methods for facilitating transactions between payers and merchants

Techniques directed to performing a cardless payment transaction based on a geographical location of a mobile device are described. The techniques may include displaying a user interface with a list of merchants that are proximate to the mobile device. User input may be received to enable automatic check-in with a merchant. The techniques may further include determining that the mobile device is within a particular distance to the merchant and sending an indication to carry out a cardless payment transaction with the merchant.

Cardless payment transactions based on geographic locations of user devices

The present technology includes a point of sale system for facilitating interactions between a customer and a merchant in a payment transaction, and for communicating with a payment server to complete the transaction. The point of sale system includes a central processor, a payment object processor, a payment object reader interface, and a touch screen. The central processor is configured to execute an operating system and to execute a transaction engine configured to manage payment transaction specific functions of the point of sale system such as to control the touch screen to display payment transaction information on the touch screen, and to control the payment object processor to control the payment object reader to receive payment object information.

Point of sale system

Techniques are disclosed for facilitating customers' mobile devices to conduct proximity-based payments to reduce the friction of conducting payments from one party to another. In some embodiments, a customer's mobile device can detect another mobile device that is in proximity. For example, the detected device may be in the same wireless personal area network as the customer's device. The customer's device can verify with a payment service system (PSS) that the detected device is associated with a financial account. The customer's device can prompt, via a user interface, the customer to select the detected mobile device for a payment. The customer's device can also confirm an amount for the payment with the customer. Thereafter, the customer's device can cause (e.g., by transmitting communication signals to the PSS) the amount to be transferred from a financial account associated with the customer's device to the financial account associated with the detected device.

Growing community of inventors

San Francisco, CA, United States of America

Jack Dorsey