Square, Inc.

Block, Inc.

Apple Inc.

Xilinx, Inc.

Squre, Inc.

Thomas Templeton

Jesse Lee Dorogusker

Daniel Jeffrey Post

Michael C Lamfalusi

Afshin Rezayee

Matthew H Maibach

Emad Bidari

Jeremy Wade

Dominique Gilbert Toppani

Alex Sutton

Trent Weber

Paul Aaron

Max Joseph Guise

Yenliang Chen

Elliot Sather

Nathan Spindel

Dan Post

Bradley Ryan

Mike Lamfalusi

Michael Wells White

Steven Webster

James M McKelvey

Andrew Borovsky

David Terra

Isreal Blagdan

Alexey Kalinichenko

Nael Zohni

Keisuke Omi

Nicholas Slaney

Eric Manago

Daniel Wilson

A method that includes receiving, from one or more motion sensors in a device, data describing a signature arc in three-dimensional space, the signature arc having been generated by gesturing using the device; identifying, from the data describing the gestured signature arc, a plurality of points that correspond to the gestured signature arc in three-dimensional space; generating a curve along the identified plurality of points corresponding to the gestured signature arc; generating a two-dimensional representation of the gestured signature arc; and displaying, on a display screen, the generated two-dimensional representation of the gestured signature arc.

Sensor-based transaction authorization via user device

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

Electronic storage device

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 technique for providing a pay-by-name payment experience is disclosed. A point-of-sale (POS) system at a store receives information identifying an account with a central server from a payment card using a short-range wireless technology. In response to that, it obtains information regarding the account, including a person's name associated with the account, using the received information. It also accepts a name from a specific consumer in the vicinity. At this point, it determines whether the name accepted from the specific consumer and the name associated with the account are identical. If it determines that the two names are identical, it checks-in the consumer to the store.

Pay-by-name payment check-in with a payment card

Sensor-based transaction authorization via mobile device

A technique for a proxy card to emulate each of a plurality of payment cards according to emulation rules associated with the payment card. The proxy card initially selects one of the plurality of payment cards for emulation based on one or more selection rules or a user instruction. Next, the proxy card emulates the selected payment card according to one or more emulation rule associated with the selected payment card, each relating to how emulation is performed with respect to time, location, business, or other factors.

Controlled emulation of payment cards

A technique for providing a checkout experience using a payment card is disclosed. An electronic device at a store detects a movement of a product away from the store by using a first short-range wireless link. The electronic device then receives from the product information identifying the product. The electronic device also detects the presence of a payment card near the product around the same time that it detects the movement of the product, by using a second short-range wireless link. The electronic device then receives information from the payment card information identifying an account on a server system. Upon determining that the product is at least a certain distance away from the store for at least a certain amount of time, the electronic device processes a payment for the product by the owner of the account.

Shopping check-out with a payment card

In some examples, disclosed methods and systems may configure using a proxy payment object a payment object reader to accept one or more payment objects. The method includes receiving, as an input from a merchant and in a specific manner, at least one object into a payment object reader communicatively coupled to a point-of-sale (POS) terminal. A portion of read-data is compared to a proxy payment object syntax. In response to obtaining a match between the read-data and the proxy payment object syntax with the read-data, the received object is determined to be a proxy payment object. A configuration component then generates a set of configuration instructions which when executed on the payment object reader and/or the POS terminal configures the payment object reader to accept one or more payment objects towards a payment transaction.

Configuration of a payment object reader

Growing community of inventors

San Francisco, CA, United States of America

Thomas Templeton