Square, Inc.

Block, Inc.

Matthew H Maibach

Jeremy Wade

Cory Douthat

Jesse Lee Dorogusker

Michael C Lamfalusi

Jason Binder

Thomas Byrne

Afshin Rezayee

Thomas Templeton

Emad Bidari

Kartik Lamba

Sean Michael Hafemann

Abhishek Das

Alice Wang

Stefan Filipek

Yujia Zhang

Hayford Peprah

Edward Tan

Oscar Reparaz

Brian Grassadonia

Michael Dustin Moring

Mani Razaghi

John L Kelley

Eldon Lee Rivers

David Donovan

Benjamin Ridder

Eldon Rivers

Zachary Crosby

John Kelley

A point of sale (POS) device includes an output device such as a speaker, a display screen, or a network interface. The POS device also includes a secure enclosure housing a secure processor and tamper detection circuitry for detecting attempts to tamper with the secure enclosure. Use of the output device is shared between the secure processor and a main processor via a switch that is controlled by the secure processor. The secure processor can switch control of the output device from the main processor to itself and can output an output dataset via the output device in a number of scenarios. These scenarios include the secure processor detecting an attempt to tamper with the secure enclosure, the secure processor recognizing that the main processor is behaving suspiciously, or the secure processor wanting to output sensitive information. The output dataset may include visual data, audio data, or network data.

Controlling processor's access to interface device

Techniques described herein enable wireless payment reader to transition between lower-power and higher-power states while still performing cryptographic operations for securing payment data without undue latency caused by the transition between sleep and awake power states. For instance, a wireless payment reader may store information associated with cryptographic operations performed by the wireless payment reader in persistent memory of the wireless payment reader so that this information may be retained when the wireless payment reader enters a low-power, sleep state. Thus, when the wireless payment reader awakens from the low-power state, the wireless payment reader may read the cryptographic information from the local persistent memory rather than needing to request this information from a payment service.

Decreasing cryptographic-operation latency on payment readers

A wearable device, such as a finger ring worn by a user, communicates information about a user to a reader that uses the information in order to perform a transaction. Such wearable device may be conveniently carried by and accessible to the user such that utilization of the device for the transaction is less burdensome for the user, thereby encouraging use of the device for particular transactions. Indeed, in some cases, such as when the device is implemented as a finger ring or other type of jewelry, the user may be encouraged to carry the device in an exposed manner such that it is readily available for the transaction without the user having to search in a wallet, pocket, or purse for the device.

Systems and methods for performing transactions

Wireless communication and proximity-based feedback technologies are disclosed. In some examples, a system identifies, based on analysis of signal(s) (e.g., conveying transaction object information) received by a reader interface from a transaction object in response to physical proximity between the transaction object and the reader interface, an indication of a movement of the transaction object relative to the reader interface. The system generates, based on the indication, feedback indicating a recommended change to the movement to improve an ability of the reader interface to read the transaction object. The system sends the feedback to an output device that to output the feedback to indicate the recommended change. The system reads the transaction object information from the transaction object using the reader interface in response to an improvement in the ability of the reader interface to read the transaction object and in response to the output of the feedback.

Movement feedback based on reader interface

Controlling access to output device between two processors

A point-of-sale (POS) device includes a processor, a battery, a transaction object reader, a printer with a printer controller, and optionally a temperature sensor. The processor determines a present power discharge capability rate of the battery, optionally based on a temperature measured by the temperature sensor. The processor also calculates a first estimated power draw rate based on a first setting value for at least one of the components of the POS device, such as the printer. If the first estimated power draw rate is dangerously close to the present power discharge capability rate of the battery, a second estimated power draw rate is calculated based on a second setting value for the one or more components. If the second estimated power draw rate is no longer dangerously close to the present power discharge capability rate of the battery, the components are set to the second settings value.

Point of sale device power management and undervoltage protection

Wireless communication and proximity-based feedback technologies are disclosed. In some examples, a system identifies that a wireless communication interface has received wireless signal(s) for conveying information from a transaction object in response to proximity between the transaction object and the interface. The system identifies, based on relative signal strength of the signal(s) as received at each of a plurality of antennae of the interface, an indication of a relative position of the transaction object relative to the interface. The system generates, based on the indication of the relative position, feedback indicating a recommended movement of the transaction object relative to the interface to increase signal strength, and sends the feedback to an output device to output the feedback to indicate the recommended movement. The system reads the information from the transaction object using the interface in response to an increase in signal strength and to the outputting of the feedback.

Reader detection signal based proximity feedback

A system for performing payment transactions includes a wearable payment device, such as a finger ring worn by a user, that communicates payment data to a payment reader that uses the payment data in order to request a payment transaction. The system also includes a mobile communication device that receives an input associated with the payment transaction from the user and wirelessly transmits information to the wearable payment device based on the input. The wearable payment device can use the information from the mobile communication device for performing the payment transaction and transmit at least a portion of the information from the mobile communication device to the payment reader during the payment transaction.

Systems and methods for performing payment transactions

A wearable payment device, such as a finger ring worn by a user, communicates payment data via an antenna to a payment reader that uses the payment data in order to request a payment transaction. The wearable payment device can tune the antenna to enhance performance of the antenna. The wearable payment device can measure a characteristic of the antenna and perform an assessment of the performance of the antenna based on the measured characteristic. The antenna can be tuned, such as by changing the impedance of the antenna, based on the assessed performance of the antenna.

Wearable payment device with tunable antenna

A wearable payment device, such as a finger ring worn by a user, communicates payment data to a payment reader that uses the payment data in order to request a payment transaction. Such wearable payment device may be conveniently carried by and accessible to the user such that utilization of the payment device for the payment transaction is less burdensome for the user, thereby encouraging use of the payment device for payments. Indeed, in some cases, such as when the payment device is implemented as a finger ring or other type of jewelry, the user may be encouraged to carry the payment device in an exposed manner such that it is readily available for the payment transaction without the user having to search in a wallet, pocket, or purse.

Techniques described herein are directed to, among other things, wireless payment readers configured to transition between multiple different power states. In some instances, these power states include one or more relatively low-power states such that an overall battery life of the wireless payment readers are lengthened. Further, in some instances, a point-of-sale (POS) application operating on a POS device that wirelessly couples to an example wireless payment reader may cause the wireless payment reader to transition from one state to another, such as from a first, lower-power state to a second, higher-power state in response to the POS application determining that a payment is to be processed using the wireless payment reader.

Waking payment readers using point-of-sale (POS) devices

In some examples, methods and systems may process one or more payment transactions between a merchant and a customer by obtaining at least one payment proxy having a syntax including a monetary currency indicator preceding an alphanumeric character. The payment proxy may be transmitted by a transmitter component of a payment beacon device. The method includes generating, through an application accessed through the customer device, a message by identifying the payment proxy in a message and a money transfer amount in the message; parsing the payment proxy to identify the merchant associated with the payment proxy in the message; identifying a merchant financial account associated with the identified merchant, based on a stored association between the merchant financial account and the identified merchant; and initiating, by the payment processing system, a transfer of funds indicative of the money transfer amount from a financial account of the customer to a financial account of the merchant.

Growing community of inventors

San Francisco, CA, United States of America

Matthew H Maibach