Block, Inc.

Square, Inc.

Apple Inc.

Nefaur Rahman Khandker

Nathan Spindel

Shawn Morel

Patrick L Coffman

Bas Ording

William Henderson

Justin Edward Santamaria

Christopher Russell Clark

Alan Fineberg

Shahrouz Tavakoli

Chanaka G Karunamuni

Chanaka G Karuamuni

Aspects of the present disclosure are directed to method for facilitating a transaction between a service provider and a customer using an online payment platform. The method includes receiving a request from a customer's device to enter into a transaction with a service provider and receiving a request from a service provider's device to process a cardless payment transaction for the transaction. The method further includes determining a tipping process to be applied to the transaction whereby an automatically determined tip amount or a manually determined tip amount is added to the transaction. The processing of the transaction is delayed until the automatically determined or the manual tip amount is added to the transaction. The cardless payment including the tip amount is then processed and a confirmation thereof is communicated to the respective devices of the customer and the service provider.

Systems and methods for providing gratuities to merchants

The disclosed technique enables a payer who uses a payment object to pay for goods or services to specify, by using a mobile device, how the payment amount should be apportioned the payer and additional payers. In certain embodiments, the technique involves communication between a mobile payment application installed on the payer's mobile device and a remote payment service system (PSS). The payment amount is transferred from the payer to the payee. The mobile payment application enables the payer to identify additional payers and specify how the payment amount should be apportioned between the payers. The mobile payment application communicates this information to the PSS, which then executes or triggers reimbursement to the payer to carry out the specified apportionment.

Apportioning a payment amount among multiple payers

A computer-implemented method for facilitating a merchant transaction comprises providing a list of one or more merchants that are in geographic proximity to a geolocation of a payer, and receiving a request from the payer to conduct a transaction with a merchant among the one or more merchants. The request can be received by a computer system programmed to facilitate the transaction. The transaction can then be processed with the aid of the computer system. A tip selection, which can include a tip amount, can be applied to the transaction. In some cases the tip selection is received from the payer as a selectable option. In other cases, the tip selection is automatically applied to the transaction without involvement from the payer during or upon the termination of the transaction.

The disclosed technique enables a consumer who uses a payment object to pay for goods or services to specify, by using a mobile device, how the transaction amount should be apportioned among multiple payers. In certain embodiments, the technique involves communication between a mobile payment application installed on the consumer's mobile device and a remote payment service system (PSS). The mobile payment application enables the user to specify how many payers there are, who the payers are, and exactly how the transaction amount should be apportioned among the payers. The mobile payment application communicates this information to the PSS, which then executes or triggers reimbursement to carry out the specified apportionment.

Apportioning a payment card transaction among multiple payers

In some examples, a computer system may receive transaction information for transactions between card users and a payee that may include transaction card information from a plurality of read events of a plurality of transaction cards at the payee's card reader. In association with the plurality of read events, the system may receive location information of a plurality of mobile devices, each mobile device being associated respectively with one of the plurality of transaction cards in a data structure maintained by the computer system. For instance, the location information for each mobile device may be indicative of a location of the mobile device at a time of a corresponding read event of an associated transaction card. The system may determine an approximate location of the card reader based on the location information of the plurality of mobile devices.

Performing actions based on the location of a mobile device during a card swipe

A method performed at an electronic device with a touch-sensitive display includes displaying a text entry interface area at a first predefined size and with a text input field. The method includes concurrently displaying, at a first size, a viewing area adjacent to the text entry interface area. The viewing area is configured to display scrollable information that includes information entered via the text entry interface. The method includes detecting a first finger gesture on the touch-sensitive display at the text input field. The method includes, in response to detecting the first finger gesture: decreasing the viewing area from the first size to a second size smaller than the first size, and increasing the text entry interface area from the first predefined size to a second predefined size. At the second predefined size, the text entry interface area includes the text input field and a soft keyboard.

Device, method, and graphical user interface for resizing content viewing and text entry interfaces

Various embodiments are related to apparatuses and methods for basing actions on a location of a card swipe. A computer system receives information indicative of a location of a mobile device associated with a customer at a time corresponding to a swipe of a payment card at a card reader of a merchant. The location information can indicate, for example, the location of the mobile device as being at a GPS coordinate, or at a merchant's place of business. When the location information indicates that the mobile device and the card swipe are located near to each other, or are both located at the same merchant's place of business, a reduced level of fraud analysis can be used when authorizing the purchase transaction. A targeted ad can be sent to a mobile device associated with the customer based on the location of the card reader used for the card swipe.

Performing actions based on the location of mobile device during a card swipe

An electronic device includes instructions for: displaying a text entry interface area at a first size for the text entry interface area; concurrently displaying a viewing area adjacent to the text entry interface area, at a first size for the viewing area; detecting a continuous finger contact that starts in the viewing area, moves in a first direction towards the text entry interface area, contacts a predefined boundary associated with the text entry interface area, and continues to move in the first direction after contacting the predefined boundary; and, in response to detecting the continuous finger contact continuing to move in the first direction after contacting the predefined boundary: increasing the viewing area to a second size of the viewing area; and scrolling the text entry interface area to reduce the displayed text entry interface area to a second size of the text entry interface area.

Growing community of inventors

San Francisco, CA, United States of America

Nefaur Rahman Khandker