Square, Inc.

Block, Inc.

Michael C Lamfalusi

Kartik Lamba

Jeremy Wade

Thomas Templeton

Jesse Lee Dorogusker

Matthew H Maibach

Afshin Rezayee

Yenliang Chen

Isreal Blagdan

Emad Bidari

Trent Weber

James M McKelvey

Mani Razaghi

Cory Douthat

John L Kelley

Sean Michael Hafemann

David Donovan

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

A point-of-sale system is a dual-screen stand assembly that includes a merchant terminal and a consumer terminal. The merchant terminal and the consumer terminal can be mated together in a fixed position to form a single unitary stand, or can be separated from each other in a separated position with each terminal serving as its own separate stand. The merchant terminal supports a merchant computing device and is oriented in a merchant-facing direction. The consumer terminal is detachably mated to the merchant terminal and supports a consumer computing device that is oriented in a consumer-facing direction. The point-of-sale system also includes a card reader as part of the customer terminal to perform a payment. The card reader is configured to accepting swipe cards, chip cards or contactless (EMV or NFC) payments.

Point of sale system

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.

A payment terminal can have a secured test mode. Interfaces of the payment terminal may be secured via various techniques. Self-test input touch inputs may be provided at a user interface to initiate device self-tests. The payment terminal may perform the self-tests, and generate a machine-readable output including device information and results from the self-tests. The payment terminal may display the machine-readable output for scanning by test equipment.

Secured device manufacturing self-test

A payment object reader or POS device tracks performance of a wireless transceiver. In response to detection of a dip in performance of the wireless transceiver, the payment object reader or POS device retunes the wireless transceiver, enables a first subsystem of the payment object reader or POS device from a disabled state, transmits a notification indicating a defect, or identifies a tamper attempt. Sensor measurements and other actions within the payment object reader or POS device can be correlated with wireless transceiver underperformance and used to predict actions to take.

Point of sale (POS) device responsive to detected interference with antenna

A card reader for a point-of-sale system that is configured to accept both magnetic strip-type and integrated circuit (IC) chip-type payment cards. The card reader is a component of a point-of-sale system including a portable computing device in communication with the card reader that is configured to present a first graphical user interface (GUI) when a magnetic stripe-type card is detected and a second GUI when an IC chip-type card is detected in the card reader. The card reader comprises a slot configured to receive the payment card, a magnetic reading device and an IC chip reading device. The card reader also includes a discriminator contact disposed within the slot that is configured to conduct across a surface of a metal pad of the IC chip-type card prior to the CI chip reading device making contact with the IC chip.

Card reader having discriminator contact

Card reader of a point-of-sale system

Approaches provide for a mobile point-of-sale system configured to facilitate the transfer of funds between entities (e.g., customers and merchants). A card reader can include two different types of slots configured for conducting a financial transaction between entities. A first slot can allow for a magnetic stripe element of a card to be swiped. A second slot can include contact elements which allow the card to be 'dipped in'. In this way, the device can receive a swipe and/or a 'dipping' of a card into a respective slot for conducting a financial transaction.

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Cupertino, CA, United States of America

Michael C Lamfalusi