Square, Inc.

Doordash, Inc.

Block, Inc.

Hummingbird Regtech Inc.

Jesse Lee Reiss

Ajit Kalidindi Varma

Jeffrey Frank Iacono

Matthew Rhodes

Richard David Din

Benjamin R Bernstein

Joseph Loree Robinson

Andrew C Lin

Abhay Raj Kumar

Anthony Bishopric

Derek Hammer

Jack Dorsey

Alexander Soong

Brian Grassadonia

Nathan Spindel

James F Butts, Iii

Michael Paul Thole

Jesse Shieh

Keith Chu

Fion Lam

Ryan Thomas Gerard

Ryan Gerard

Matthew Van Buskirk

Vida Ha

Andrew Lin

In some examples, a processor may access past order information for a plurality of merchants to determine, for an upcoming time period, a number of orders predicted to be received by the merchants. The processor may determine geographic locations of delivery agent devices, each associated with a respective delivery agent. The processor may compare, for the upcoming time period, a number of active delivery agents with the number of orders predicted to be received. Based at least on determining a predicted shortage of active delivery agents for the upcoming time period, the processor selects a first delivery agent of the plurality of delivery agents to pick up a first order from a first pickup location of a first merchant and a second order from a second pickup location of a second merchant, and sends a message to a first delivery agent device associated with the first delivery agent.

Delivery agent network management

In some examples, a computing device may receive, from a plurality of merchant devices associated with a plurality of merchants, respectively, electronic communications indicating pickup locations associated with the respective merchants. The computing device may access map information to determine a group of the respective pickup locations within a threshold distance of each other, the group of respective pickup locations corresponding to a group of the merchants. The computing device may send, to a buyer device, based at least on the pickup locations determined to be within the threshold distance of each other, merchant information that causes, at least in part, an application on the buyer device to present a user interface including information about the group of merchants, the information about the group of merchants including an indication that items ordered from the merchants in the group of merchants are available for combined delivery.

Determining user interface information based on location information

Expedited transaction processing using a database of integrated in-store and online transactions is described. First transaction information associated with a first transaction conducted in a physical store of a merchant and second transaction information associated with a second transaction conducted via an online store of the merchant can be received. The first transaction can be processed based at least partly on the first transaction information and a record of the first transaction can be stored in the database. Based at least partly on the record, the second transaction can be processed using at least a portion of the second transaction information by (i) sending, to a card authorization service, the second payment information and (ii) generating an indication that the first payment information was authorized for the first transaction at the physical store. A computing device of the online store can be notified that the second transaction is allowed.

Integrated database for expediting transaction processing

Methods, computer program products, and apparatus for open tab transactions. A customer device, e.g., a smart phone, can generate an order for purchasing one or more goods or services from a merchant. A list of the items can be stored in a data structure designated as a tab. The list is routed to a merchant device, e.g., a tablet computer. The customer device can be carried by a user to the merchant. When the user reaches the merchant, the customer device or merchant device can receive a request to add an additional item to the list. The tab remains open and modifiable until the customer device or merchant device receives an input to close it. Payment for the goods or services listed in the modified tab is processed upon closing of the tab.

Cardless transaction using account automatically generated based on previous transaction

Open tab transactions

Some examples include a processor that accesses past order information for a plurality of past orders received in the past for a plurality of merchants and delivered by delivery agents. Further, for an upcoming time period, based on the past orders received by individual merchants over a past period of time, the processor may determine a predicted number of orders to be received for an upcoming time period for the individual merchants. The processor may execute delivery agent management logic to compare, for the upcoming time period, a number of active delivery agents with the predicted number of orders, and may send a message to a first delivery agent device associated with a first delivery agent to cause one of: activation of the first delivery agent from inactive status to active status, or deactivation of the first delivery agent from active status to inactive status.

Courier network management

Systems, methods, and storage media for providing information relating to suspicious financial activities to investigative agencies are disclosed. Exemplary implementations may: receive a digital access token from a financial institution; cause an application programming interface to be displayed on a computing device corresponding to the financial institution in response to receipt of the digital access token; receive case information from the financial institution create a case corresponding to the access token and the case information; determine one or more relevant investigative agencies for receiving a report based on the case information; retrieve a data model corresponding to each relevant investigative agency; and file a Suspicious Activity Report based on the case information in each of the one or more relevant jurisdictions in correspondence with the access token.

Systems, methods, and storage media for providing information relating to suspicious financial activities to investigative agencies

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 for integrated online and offline sales management are described. A merchant application executing on a merchant device can present options for selling an item of a merchant. The options can include (i) a first option wherein an amount for the item is payable using a payment object at a payment object reader coupled to the merchant device and (ii) a second option wherein the amount for the item is payable using a customer application. An input associated with the second option can be received via the merchant application and, responsive to the input, a payment transaction link can be generated. The payment transaction link can be presented for sharing by the merchant with at least one customer, wherein the payment transaction link enables the at least one customer to pay the amount for the item using the customer application.

Integrated online and offline inventory management

In some examples, a computing device exposes, to a merchant device, one or more Application Programming Interfaces (APIs) for accessing a delivery service. The computing device receives, from the merchant device, via the one or more APIs, a request regarding delivery of an order specified by a customer for delivery from the merchant. The computing device may send a communication to a courier to instruct the courier to deliver the order. The computing device may receive, from the merchant device, via the one or more APIs, a request for a delivery status of the order received via a user interface. The computing device may determine the delivery status of the order based at least partially on location information received from the courier, and sends the delivery status to prompt the merchant device to present the delivery status in the user interface.

Application programming interfaces for fulfilment services

In some examples, a service provider may determine that multiple merchants are within a threshold distance of each other. The service provider may send, to a buyer, item information about items offered by the multiple merchants. Further, based at least in part on the multiple merchants having been determined to be within the threshold distance of each other, the item information sent to the buyer may indicate that orders for items provided by the multiple merchants are available for combined delivery, e.g., as a single combined order. A first courier stationed near the merchants may pick up the items from the merchants and may handoff the items to a second courier who delivers the items to the buyer. Additionally, in some cases, the preparation of the multiple items may be timed to so that the items are ready for pickup at approximately the same time.

Managing communications for combined orders

Method, systems, and apparatus for integrated online and offline sales management. A system manages both offline and online transactions and inventory in an integrated environment. An offline transaction is a sale at a point of sale (POS) system, e.g., at a typical 'brick and mortar shop' physical store. An online transaction is a sale using an online store, e.g., an online shopping cart and checkout system accessed by a web browser or other application. An online store can be converted to offline store, and vice versa. An inventory management system can receive an input from a merchant device of merchant designating an item carried by the merchant as an item to be sold at the physical store, at the online store, or both. The inventory management system can modify a record of the item to respond to the input.

In some examples, a service provider may determine, for a time of day and a day of a week, orders received by individual merchants of a plurality of merchants over a past period of time. The service provider may further determine, for the time of day and day of the week, based at least in part on the orders received over the past period of time, a first merchant predicted to receive an order. Based at least in part on a pickup location of the first merchant, the service provider may send a communication to a first courier device associated with a first courier of a plurality of couriers. For example, the communication may include location information for a recommended location to which the first courier is to move to be in position for picking up an order from the merchant that is predicted to receive the order.

In some examples, a service provider may receive an indicated delivery location from a buyer device. The service provider may determine, e.g., based in part on traffic information, respective predicted courier travel times to the delivery location from one or more different merchant locations. The service provider may compare the respective predicted courier travel times with respective spoilage times for items offered by the corresponding one or more merchants, and may identify one or more items having respective spoilage times greater than the respective predicted courier travel time from that merchant location. The service provider may send, to the buyer device, information about items available for delivery from particular merchants having respective spoilage times greater than the predicted courier travel time from respective the merchant location. The buyer device may present the information about the items on a display to enable buyer selection of an item for delivery.

Variable delivery zones for delivery orders

In some examples, a computing device may receive, from a first user device, a communication indicating a request to create a combined order for items offered by one or more merchants. For example, the combined order may enable a plurality of users to independently purchase individual ones of the items from the one or more merchants. The combined order may be created having an initial condition and may be accessible by the plurality of users for adding items to the combined order. At least one selection of a respective item may be received from each user of the plurality of users. For instance, each selection may change the condition of the combined order. In addition, the computing device may process the items added to the combined order as a single order to perform at least one action.

Growing community of inventors

Berkeley, CA, United States of America

Jesse Lee Reiss