Square, Inc.

Block, Inc.

Peter Westen

Ayokunle Omojola

Daniel Federman

Alan Paulin

Shawn Welch

Michael Gershunovsky

Robert Loring Andersen

Brian Grassadonia

Daniele Perito

Jochen Bekmann

In one embodiment, a method includes receiving, by a payment server and from a messaging application executing on a first mobile device operated by a first user, a request to initiate a payment transaction using a payment application. The request includes a payment amount and an identifier associated with the first user. The method includes facilitating a first adjustment to a balance associated with the financial account of the first user in the data store identified based on the identifier. The method includes generating a link associated with the first adjustment and transmitting the link to the first mobile device. The method includes, upon receiving from a second user operating a messaging application, an indication that the second user has interacted with the link within the messaging application, facilitating a second adjustment of a balance of a financial account of the second user according to the payment amount.

Processing a mobile payload

Display screen with graphical user interface for a mobile device

Disclosed herein are systems and methods for processing a payment request. A mobile device associated with a payor may generate a user interface having two screen portions. The first screen portion may be configured to display received and sent messages and further configured to receive a command to transmit a message. The second screen portion may be configured to access a third-party application and configured to populate a new message with a payload. The mobile device may receive an inputted amount in the second screen portion representing the payment amount. The mobile device may transmit a request including the payor's identification and the payment amount to a third-party Payment Processing System (PPS) and receive a payload from the PPS. The mobile device may populate and transmit a message to the recipient that contains the payload.

In some examples, a system and method for scheduling communication between a merchant and a service agent associated with a payment processing system (PPS). The method includes obtaining a current state of the POS application to indicate a technical failure. Based on the current state, the PPS determines a time window within which the merchant is available to communicate with the payment processing system or the POS terminal. Prior to establishing communication, if a current transaction is in progress, PPS defers the establishment of the communication channel to another time window, wherein the other time window is determined based on the transaction history or on a merchant-specified time window.

Customized communication scheduler

Disclosed herein are systems and methods for generating a signature on a card. The computer may present a user interface on a touch device having a bounding box that is specified by a width and height representative of a space on the card. The computer may receive signature data generated by an input stroke on the touch device. The computer may determine from the signature data coordinates of a signature represented by the input stroke. The computer may generate a set of points representing a curvature of the input stroke. The computer may scale the set of points such that the coordinates are maximized within the space. The computer may convert the scaled set of points from a vector format to a raster format. The raster formatted scaled set of points in the space may be imprinted on the card.

Formatted card signature generator

Disclosed herein are systems and methods for processing a payment request from a payor's mobile device. Payment Processing System (PPS) server may receive a payment request from a payor's mobile device, including an amount to pay but not any identification of a recipient. The PPS server may increment a balance of an escrow account and decrement a balance of the payor's account according to the amount of the request. The PPS server may generate a token, associated with the escrow account, including an alphanumeric string based on a random value generator. The PPS server may also generate a payload based on the token and transmit the payload to the payor's mobile device. Upon the recipient receiving and activating the payload, the PPS server may decrement the escrow account and increment the recipient's account.

Disclosed is a technology for seamless initiation of a financial service, such as a payment transaction, by sending a communication message. The disclosed technology can be used, for example, to send payment from a person (e.g., a consumer) to another over e-mail without requiring any sign-up or login procedure. In at least one embodiment, the technology includes receiving a service request email generated by a native email application on a consumer's device, verifying the email using information included in the email, and initiating the service as requested based on the information. Various embodiments of the disclosed technology enable a simplified payment transaction system for ordinary consumers without the hassle of having to sign up, to remember a user account and a password, and to login for sending or receiving every payment transaction, while not sacrificing the essential security feature of authenticating the user for every payment transaction.

Growing community of inventors

San Francisco, CA, United States of America

Peter Westen