Square, Inc.

Mike Lamfalusi

Jesse Lee Dorogusker

Thomas Templeton

Dan Post

The subject technology relates to methods for processing a payment using a mobile card reader. Implementations of the subject technology provide include steps for determining, using a first communication module, a first available bandwidth for data transacted between the card reader and a payment processing service, and determining, using the second communication module, a second available bandwidth for data transacted between a local device and the payment processing service. In some implementations, the method can further include steps for selecting a communication path for communicating with the payment processing service based on the first available bandwidth and the second available bandwidth. Systems and computer-readable media are also provided.

Mobile reader device

The subject technology relates to methods and systems for processing a payment using a mobile card reader. Implementations of the subject technology provide a method for receiving payment information, wherein the payment information specifies a payment amount, generating an authorization request to process the payment information, encrypting the authorization request using an encryption engine to generate a secure authorization request and transmitting the secure authorization request using the radio transceiver to a payment processor via a messaging service, wherein the messaging service comprises one or more of a SMS, a MMS or an email service. In certain aspects, methods of the subject technology can further include steps for receiving an authorization response from the payment processor via the messaging service. Systems and methods for mobile card reader activation are also provided.

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Cupertino, CA, United States of America

Mike Lamfalusi