Square, Inc.

Block, Inc.

Timothy Yip

Brian John Mullins

Marc Hernandez

Fredrick Lee

Rehman Baig

This disclosure describes, in part, techniques for validating a money transfer request between a sender and a recipient via challenge questions. For instance, the method includes determining, by a payment service system, a level of risk associated with the money transfer request between the sender and the recipient; in response the level of risk being higher than a threshold, obtaining a query for the recipient, wherein the query is based at least on the current money transfer request or one or more past requests between the sender and recipient; receiving, from the recipient device, a response to the query; and validating the current payment transaction based on the response.

Payment transaction authentication system and method

This disclosure describes, in part, techniques for validating a payment transaction between a customer and a merchant via challenge questions. For instance, the method includes determining, by a payment processing system, a level of risk associated with a current payment transaction between the merchant and the customer; in response the level of risk being higher than a threshold, obtaining a query for the customer, wherein the query is based at least on the current payment transaction or one or more past transactions involving the customer; receiving, from a customer device associated with the customer, a response to the query; and validating the current payment transaction based on the response.

This disclosure describes, in part, techniques for storing transaction data at a central service, and techniques for querying information associated with the data from the central service when authorizing payment instruments for transactions. For instance, a central service may receive historical transaction data from multiple payment services that authorize payment instruments for merchants, and then store the historical transaction data in one or more databases. A payment service may then receive a request to authorize a payment instrument for a transaction between a merchant and a customer. Based on receiving the request, the payment service can send the central service a message that includes a query for information associated with historical transaction data corresponding to the payment instrument. In response, the payment service can receive the information from the central service and authorize the payment instrument using the information.

Centralized system for data retrieval

Techniques for enabling transactions via a payment processing service for a merchant that is currently located outside of a particular region that the merchant utilizes the payment processing service for processing card-present transactions is described. A server associated with the payment processing service may receive, from a point-of-sale (POS) system, first payment data to satisfy a cost of a transaction between a customer and the merchant and may determine that the POS system is currently located outside of a region where the merchant utilizes the payment processing service to perform card-present transactions. The server may extract a portion of the first payment data, the portion of the first payment data corresponding to information required for a card-not-present transaction and may facilitate, based at least in part on the portion of the first payment data, a card-not-present transaction, instead of a card-present transaction, to authorize the cost of the transaction.

Growing community of inventors

Point Richmond, CA, United States of America

Timothy Yip