Block, Inc.

Jesse Wilson

Brian Grassadonia

Jack Dorsey

Gregory Bricca

Methods and systems may process transactions in offline mode. In some implementations, a first device and a second device communicate via a short-range communication channel, the second device offline to a transaction processing system via a long-range communication channel. The first device receives from the second device, a payment identifier associated with a transaction between first and second device users, the identifier being associated with a financial account of the second device user. The first device accesses, based on the payment identifier, a risk score associated with the second device or user. A transaction request is provisionally completed by the first device based on the risk score being above a threshold level, which authorizes an associated transfer of funds, and subsequently the first device transmits to the transaction processing system via the long-range communication channel, the transaction request and the identifier to facilitate the transaction.

Processing electronic payment transactions in offline-mode

Computer-implemented methods and systems for using a resource locator and customer identifier to identify transactions associated with certain characteristics. An example method comprises monitoring transaction data and storing it within a database. Transaction data associated with a customer is stored at a storage location within the database, and the storage location is associated with an identifier and accessible via a resource locator. A request is received that is associated with purchase activity of the customer and specifies a time period and transaction characteristics(s). It is determined that that the request is associated with the identifier. Based at least in part on the identifier and the transaction data associated with the customer, transaction(s) of the customer occurring within the time period and including the characteristic(s) are identified.

Aggregation via resource locator and data characteristics

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.

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Waterloo, CA, United States of America

Jesse Wilson