Square, Inc.

Block, Inc.

Jesse Wilson

Brian Grassadonia

Ayokunle Omojola

Jack Dorsey

Afshin Rezayee

Robert Loring Andersen

Yue Yang

Matthew Rhodes

Kevin Ng

Aaron Y Ng

Malcolm Smith

Daniele Perito

Nathan Spindel

Shuvo Chatterjee

Murat Cat

Gokhan Aydeniz

Shawn Zurbrigg

Yasser Zabuair

Lev Kusman

Terrill Dent

Eric Firestone

Brian Grassandonia

Jacob Wharton

Gregory Bricca

Methods, systems, and apparatus, including computer programs encoded on computer storage media, for discovery of and communication with nearby devices using direct radio signal communication. One of the methods includes receiving, by a payment service system, a message authorizing a payment from a user account to a merchant account, wherein the message was sent by a user device using direct radio signal communication to a nearby merchant device and forwarded to the payment service system by the merchant device. The message is decrypted to obtain a session token that authenticates the user device as being associated with the user account. If the session token is valid a payment transaction is conducted between the user account and the merchant account.

Discovery and communication using direct radio signal communication

Systems and methods are disclosed for updating an application's user interface (UI) without updating the application. A system provides, for a client device, an application with host instructions having host memory and a guest environment having guest memory. The system receives guest instructions relating to an update to a UI element to be presented via the application's UI without the application being updated. The system selects, based on the client device's platform, a native UI type for the UI element, selected from possible UI types corresponding to different platforms. The system bridges an interaction between a function of the guest instructions and a function of the host instructions without the guest memory and the host memory sharing memory. The system causes the application to display, via the UI, the UI element according to the native UI type based on the bridging and without the application being updated.

Architecture for building native graphical user interfaces

A device may run an application having information with multiple accounts associated with processing of transactions. The application may provide account information that is used to process the transactions. At the same time, a background application may operate on the device. The background application may be compatible with a second device, and when within range of the second device, may communicate background messages relevant to the transaction. The transaction may then be processed based on the account information and the background messages.

Multi-source transaction processing

In one embodiment, a payment service system may receive a request to split a bill between two or more peer users. The request may include information identifying at least the two or more peer users and an amount of the bill to be split. The two or more peer users may be identified based on determining a presence of two or more mobile devices that are respectively associated with the two or more peer users. The payment service system may send a payment request to each mobile device associated with the two or more peer users. The payment service system may receive a response, which may indicate the respective user's approval of a specified amount for payment of a portion of the bill associated with the user. The payment service system may cause a funds transfer based on specified amounts approved by the two or more peer users.

Context-aware peer-to-peer transfers of items

In some examples, a payment service system receives a request to associate a proxy identifier with a user account of a charity. The proxy identifier is individually distinguishable from other proxy identifiers associated with user accounts of other users, and has a syntax including a symbol and a string of one or more characters. The symbol and the string are concatenated such that the symbol appears immediately before the string. The payment service system receives, via an application on a user device of a user, an input associated with the proxy identifier, and performs a database lookup to identify the user account associated with the proxy identifier. Information associated with the user account of the charity is presented via a user interface presented by the application. The user interface enables the user to donate funds from a financial account of the user to the user account of the charity.

Money transfer by use of a payment proxy

In some examples, a payment system generates, for a first user, a proxy identifier having a syntax including a symbol and a string of one or more characters that are concatenated such that the symbol appears immediately before the string. The proxy identifier is associated with a financial account of the first user. The payment system receives an indication of an intent to transfer funds from a second user to the first user. The indication includes the proxy identifier in lieu of financial account information of the first user, and to identify the financial account of the first user for receiving the funds. Based at least on identifying the proxy identifier, the payment system accesses the financial account information of the first user and initiates the transfer of funds from the financial account of the second user to the financial account of the first user.

Display screen or portion thereof with a graphical user interface

In some examples, a system generates an identifier for association with a user financial account. The identifier may have a syntax including a currency indicator and a string including one or more characters concatenated together such that the currency indicator appears immediately before the string. The system generates a user-defined identifier and maps, in a database, the user-defined identifier to the user financial account. The system receives a message indicating an intent to transfer funds from a sending user to a receiving user. The message may include the user-defined identifier in lieu of account information of the user financial account, to identify the user as the receiving user. The system parses the message to identify the user-defined identifier and accesses the account information of the user financial account using the identifier. The system initiates a transfer of funds from the sending user account to the user financial account.

Payment proxy including a user-defined identifier

In one embodiment, techniques include systems and methods for facilitating context-aware peer-to-peer transfers of items utilizing at least one of short-range wireless technologies embodied by user devices or device-accessible contact lists. After receiving a request to transfer an item, a server can cause a device of a first peer user to detect devices of second peer users in the proximity of the device of the first peer user using short-range wireless technology. Based at least in part on the detected nearby devices or a contact list of the first peer user stored by the device of the first peer user, a second peer user to receive the item is determined. Upon receiving confirmation of authorization to transfer the item, requested and provided via an electronic message between the respective devices and the server, the item is disassociated from the first peer user and associated with the second peer user.

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

Described is a technology for facilitating money transfer between a sender and a recipient by use of a payment proxy associated with the recipient. The technology enables a sender, who desires to send cash to a recipient, using an application (e.g., a payment service application, a messaging application, etc.), to specify the recipient by inputting, in a message being created using the application, one or more alphanumeric characters and a monetary currency indicator prefixing the alphanumeric characters (e.g., $alex). The monetary currency indicator operates as a tagging mechanism that indicates to a computer system, receiving the message, to treat the input(s) as a request from the sender to transfer cash, wherein detection of a specified syntax, which includes the alphanumeric character tagged by a monetary currency indicator, triggers a transfer of cash.

In some examples, a financial transaction is effectuated between first and second users of a payment service system. The payment service system receives, from the first user, a request for a first payment proxy identifier for the first user, and receives from the second user, a request for a second payment proxy identifier for the second user. The payment service system generates the payment proxy identifiers with a currency indicator prefixing one or more alphanumeric characters. The payment proxy identifiers enable the payment service system to identify the financial accounts of the respective users in lieu of payment card mechanisms. The payment service system receives a message from the second user indicating a money transfer request, initiates a transfer of funds from an account of the second user to an account of the first user, and sends an email message to the first user indicating the transfer of funds.

In certain embodiments, a method includes receiving, at a payment server via an application executing on a device of a user, a request to create a payment proxy identifier. The method includes associating, in a data store maintained by the payment server, the payment proxy identifier to a financial account associated with the user. The method includes generating a personalized interactive element for initiating a transaction to the financial account of the user. The method includes receiving an indication of an intent to transfer a value from a sender to the user. The indication is produced via interaction of a device associated with the sender with the personalized interactive element. The method includes, responsive to receiving the indication, identifying a financial account of the sender and initiating a transfer of the value between the financial account of the user and the financial account of the sender.

Growing community of inventors

Waterloo, Canada

Jesse Wilson