Square, Inc.

Block, Inc.

Dolby Laboratories Licensing Corporation

Dolby International Ab

Robert Loring Andersen

Brian Grassadonia

Ayokunle Omojola

Daniele Perito

Michael Dustin Moring

Kristopher David Stipech

Jack Dorsey

Jordan Singer

Joachim Bekmann

Jesse Wilson

Robin Thesing

Stephen Decker Vernon

James Michael Silva

Grant Allen Davidson

Michael Mead Truman

Christopher Russell Clark

Bob Lee

Austin Broyles

David Mark Byttow

Peter Westen

Shahrouz Tavakoli

Vadim Litvak

Charles Quito Robinson

Regunathan Radhakrishnan

Paul Aaron

Shawn Morel

Xuancong Wen

Rongshan Yu

James W Fosgate

Phillip Williams

Brian Timothy Lennon

Jochen Bekmann

Brian Lennon

Eli Rousso

Louie Mantia

Daniel Scrivner

Philip Anthony Williams

Brian Grassasdonia

Stephen D Vernon

Kristopher Stipech

David M Byttow

Robert Lee

Stephan Decker Vernon

James M Silva

Techniques disclosed include receiving, via a user interface of a first device associated with a first user, an input indicating an amount of funds to be transferred from a first user's financial account to a second user's financial account without identifying another user to whom the funds will be transferred; detecting, using an NFC wireless network, a second device that is in physical proximity of the first device, the second device being associated with a second user, wherein each of the first user and the second user have respective accounts registered with a payment service system; sending, by the first device and via the NFC wireless network, an electronic message requesting or sending a payment in the amount of the funds to the second device; and transmitting a notification to the payment service system to process the payment between the first user and the second user.

Proximity-based device identification for payments

In one embodiment, a payment service system-implemented method of assigning payment card numbers for individual user accounts associated with the payment service system includes receiving payment card numbers activated by a third-party server that are unassigned to accounts registered. The method includes receiving a first transaction authorization request for one of the payment card numbers and denying the request, without notifying the third-party server, based on the number being unregistered with the payment service system. The method includes receiving, via an executable application, a request to register a user account for a payment service system user, and in response, generating a record assigning the payment card number to the user account. The method includes receiving a second transaction authorization request for the payment card number, authorizing the request based on the number being assigned to the user account, and notifying the third-party server, causing user account's balance to be modified.

Secure account creation

In some examples, a system and method for generating a payment instrument are described. The method includes receiving a unique signature that a recipient intends to associate with the payment instrument; verifying that the received feature meets an acceptability criterion; generating a representation of the received signature, wherein the representation is in a form capable of being physically associated with the payment instrument, and wherein association is established by embedding or exposing the representation on the payment instrument; and causing physical generation of the payment instrument having associated therewith the representation of the signature.

Payment application initiated generation of payment instruments

In one embodiment, a method includes receiving first payment data and a first identifier of a first user, wherein the first payment data is linked to the first identifier and stored in a datastore of the payment service and in association with a first user account of the payment service; receiving, second payment data and a second identifier of a second user, wherein the second payment data is linked to the second identifier and stored in the datastore and in association with a second user account of the payment service; receiving a request for a near-instantaneous transfer of a payment for a transaction between the first user and the second user, the request including the first identifier; and in response to receiving the request, identifying the first user account and the second user account; and causing the near-instantaneous transfer of the payment to a financial account of the first user.

Payout payment platform

Techniques disclosed include systems and methods including, in association with a transaction between a first payer and a payee, determining a second payer that is associated with the transaction. Techniques include receiving specification of a portion of a payment amount associated with the transaction to be requested from the second payer. Techniques include, upon receiving an indication from the first payer to request payment of the portion of the payment amount from the second payer, transmitting an identifier associated with the second payer and the specified portion of the payment amount to a remote server. The remote server can be configured to transmit a request to a second mobile device associated with the second payer to permit a transfer of the portion of the payment amount from the financial account of the second payer in association with the transaction.

Proximity-based payments

In one embodiment, a method includes receiving, by a payment service system (PSS), a payment request from a payment application executing on a device of a sender. The payment request includes a recipient identifier corresponding to a recipient. The sender and recipient have financial accounts associated with the PSS. The method includes determining a similarity score based on a comparison of contact records associated with the device of the sender and contact records associated with a device of the recipient. The method includes, responsive to determining that the similarity score does not satisfy a threshold similarity score, transmitting a confirmation request to the device of the sender to confirm an identity of the recipient. The method includes receiving, from the device of the sender, an approval response to the confirmation request. The method includes, authorizing a payment transaction associated with the payment request based on the approval response.

Contacts for misdirected payments and user authentication

Payment card

In one embodiment, a method includes storing, in a data store maintained by a payment service, transaction history information associated with two financial accounts of a user. Upon detecting an intent by the user to transfer funds between the first financial account and the second financial account via an application executing on a device of the user, a prediction of a suggested amount of funds for a user to transfer from the first financial account to the second financial account is generated. The payment service sends instructions to the user's mobile device to display the suggested amount of funds with a request to confirm the transfer. Upon receiving confirmation from the mobile device, the payment service initiates the transfer.

Gesture and context interpretation for secure interactions

Display screen or portion thereof having a graphical user interface

Display screen or portion thereof with graphical user interface

In one embodiment, a payment service system-implemented method of assigning payment card numbers for individual user accounts associated with the payment service system includes receiving a request, in the context of an authorization for a payment transaction, to assign a payment card number to a user account associated with a user of the payment service system. The method includes retrieving, from a database associated with the payment service system, an account record associated with the user account. The method includes determining that the user account is not associated with an active payment card number. The method includes identifying an unassigned payment card number and modifying the account record to assign the unassigned payment card number to the user account as an active payment card number. The method includes authorizing the payment transaction using the active payment card number, causing a modification to an account balance of the user account.

In some examples, a system generates an identifier for association with a user financial account. The identifier may have a syntax including a currency indicator and a string including one or more characters concatenated together such that the currency indicator appears immediately before the string. The system generates a user-defined identifier and maps, in a database, the user-defined identifier to the user financial account. The system receives a message indicating an intent to transfer funds from a sending user to a receiving user. The message may include the user-defined identifier in lieu of account information of the user financial account, to identify the user as the receiving user. The system parses the message to identify the user-defined identifier and accesses the account information of the user financial account using the identifier. The system initiates a transfer of funds from the sending user account to the user financial account.

Payment proxy including a user-defined identifier

In one embodiment, a method enrolling, by a payment service system and in a data store maintained by the payment service system, a payment service account associated with a payee for a direct payout program for transactions associated with a transaction facilitation service between a plurality of payers and the payee in response to requests associated with the transaction facilitation service. The method includes receiving a transaction request for a payment associated with a transaction between a payer and the payee. The method includes identifying a financial account of the payee based on retrieving an association of the payment service account with the payee identifier and the financial account. The method includes causing a transfer of a first amount of funds to the financial account and a second amount to the transaction facilitation service. The first amount of funds and the second amount of funds correspond to the transaction amount.

Growing community of inventors

Castro Valley, CA, United States of America

Robert Loring Andersen