Square, Inc.

Block, Inc.

Jason Holmes

Michael Wells White

David Terra

Logan Johnson

Martin Mroz

Charles Nicholson

Raymond John Ryan

Jotham M Taylor, Iii

Jotham Taylor, Iii

Ray Ryan

Systems and methods comprising determining a first user in proximity to a point of sale (POS) device of a second user, the POS device having detected an identity of the first user and a number of devices associated with the POS device. The number of devices is compared to a baseline number of devices in proximity to the POS device, which is based on a time of day and calculated from a time period prior to the time of day. Based on a determination that the number differs from the baseline number by more than a threshold amount, data is generated that includes an indication configured to be displayed utilizing a client application executing on a device of the first user, wherein user interaction with the indication enables the user to at least one of initiate or modify a transaction with the second user.

Dynamic adjustment of item fulfillment times

Examples, methods and systems described herein may include determining, by a payment processing system, whether a second payment mechanism may be used to perform a payment transaction when a first payment mechanism is preferred and/or when the first payment mechanism has failed. Determining to use the second payment mechanism can be based on (i) an analysis of a communication status indicator received from a point-of-sale (POS) terminal that indicates which payment mechanisms are capable of communicating with the POS terminal, (ii) data received from the POS terminal that is associated with a read of a payment object, and/or (iii) an allowance criterion.

Technical fallback infrastructure

Techniques and arrangements for dynamically adjusting activity metrics and merchant states based, in part, on how many mobile electronic devices are currently located at the merchant. For example, if a number of mobile electronic devices is greater than a history of a number of devices, then it may be determined that the merchant is busy. If the number is less than the history of the number of devices, then it may be determined that the merchant is not busy.

Dynamic adjustment of activity metrics and merchant states

In some examples, methods and systems may institute technical fallback by determining, by a payment processing system, and based on analysis of the communication status indicator and the data obtained when a magnetic stripe of the payment object is introduced in magnetic stripe object reader, whether the payment object was swiped while an EMV object reader was communicatively coupled to the POS terminal. If the magnetic stripe of the payment object was swiped while the EMV object reader was connected to the POS terminal, the payment processing system extracts a transaction count indicating a number of times the customer has attempted to insert a chip of the payment object into the EMV object reader prior to swiping magstripe. By comparing the transaction count with a threshold count, the payment processing system authorizes the payment transaction as a technical fallback transaction if the transaction count is greater than the threshold count.

Techniques and arrangements for dynamically adjusting item fulfillment times based, in part, on how many mobile electronic devices are currently located at the merchant. If the number is greater than a baseline number of devices by more than a threshold, then an expected wait time may be adjusted upwards. If the number is less than a baseline number of devices by more than a threshold, then the expected wait time may be adjusted downwards.

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San Francisco, CA, United States of America

Jason Holmes