The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Nov. 04, 2025
Filed:
Nov. 18, 2021
Block, Inc., San Francisco, CA (US);
Brian Grassadonia, San Francisco, CA (US);
Jesse Wilson, Waterloo, CA (US);
Block, Inc., Oakland, CA (US);
Abstract
Methods and systems may process transactions in offline mode. In some implementations, a first device and a second device communicate via a short-range communication channel, the second device offline to a transaction processing system via a long-range communication channel. The first device receives from the second device, a payment identifier associated with a transaction between first and second device users, the identifier being associated with a financial account of the second device user. The first device accesses, based on the payment identifier, a risk score associated with the second device or user. A transaction request is provisionally completed by the first device based on the risk score being above a threshold level, which authorizes an associated transfer of funds, and subsequently the first device transmits to the transaction processing system via the long-range communication channel, the transaction request and the identifier to facilitate the transaction.