Patents Assigned to BLOCK, INC.
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Patent number: 12387212Abstract: Storing, in a database associated with an issuer, an association between a device identifier of a device of a user and a card identifier of a physical payment card of the user; receiving, by the issuer from a point-of-sale (POS) device via a card network, a request to authorize use of the payment card, the request including the card network and card identifier and generated responsive to interaction between the POS device and the payment card; determining, utilizing the card identifier, that an issuer application has been installed on the device; determining, based on the application being installed and the type of the payment card, a cardholder verification method (CVM) for verifying the payment card, wherein the CVM differs from a default CVM for the card network; and based on determining the CVM, sending, to the POS device, a request for input according to the CVM.Type: GrantFiled: February 24, 2020Date of Patent: August 12, 2025Assignee: Block, Inc.Inventors: Paul Abraham Botros, Kate Fitch
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Patent number: 12387261Abstract: In some examples, a service provider provides a mobile application to a device of a user. The mobile application presents a user interface with a selectable control enabling the user to obtain a loan that is useable for a specific use at a merchant that accepts payments via the service provider. The service provider receives, via the mobile application, an indication of interaction with the selectable control and, based on determining that the user has accepted the loan offer, makes the loan funds available via a payment instrument accessible via the mobile application. Based on receiving transaction data for a current transaction for which the payment instrument is presented for payment, the loan funds are applied as payment for the transaction. After the funds have been applied, at least a portion of the loan is repaid via the mobile application at a particular frequency during a subsequent period of time.Type: GrantFiled: August 9, 2023Date of Patent: August 12, 2025Assignee: Block, Inc.Inventors: Varun Kerof, Elliot Block, Kelvin Chou, Theodore Kosev
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Publication number: 20250254202Abstract: Digital service license control techniques are described. In one or more examples, registration signup data is obtained from a plurality of content attribution monitoring systems and a plurality of resource transfer templates are generated for the plurality of content attribution monitoring systems. A content creator profile formed as a knowledge graph is generated as having a plurality of nodes that include the content creator identifier and a composition identifier associated with a composition of content associated with the content creator. A single input is received via a user interface to initiate registration with the plurality of content attribution monitoring systems for resource transfer collection. Resource transfer data is generated for each of the plurality of content attribution monitoring systems, automatically and without user intervention, by mapping the knowledge graph of the content creator profile using respective resource transfer templates of the plurality of resource transfer templates.Type: ApplicationFiled: March 7, 2024Publication date: August 7, 2025Applicant: Block, Inc.Inventors: Kara Jinah Lee, Clemens Martin Christopher Morris
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Patent number: 12380496Abstract: In some examples, a system receives transaction information of transactions performed between merchants and customers. The system determines, based at least on the transaction information, financial factors of a user associated with a financial account of the system. The system may determine, based at least on the financial factors determined for the user, that the user is pre-qualified to receive financing up to an amount of financing. The system sends, to a user device of the user, an indication that the user is pre-qualified to receive the financing. Based at least on evaluating at least one transaction of the user and financial account information for the financial account associated with the user, the system sends an instruction to provide at least a portion of the amount of financing to the financial account of the user.Type: GrantFiled: May 1, 2024Date of Patent: August 5, 2025Assignee: Block, Inc.Inventors: Ariana Poursartip, John Bryan Scott, Kevin Teh
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Patent number: 12375743Abstract: The disclosed technology provides greater security and control to the field of collaborative playlists by utilizing access policies and access tokens to control which user accounts can access a collaborative playlist, what permissions are provided to user accounts that can access a collaborative playlist, and to schedule future permission changes.Type: GrantFiled: January 2, 2024Date of Patent: July 29, 2025Assignee: Block, Inc.Inventors: Arindaam Roy, Demetrius King, Olayiwola Bakare, William Wang
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Patent number: 12373876Abstract: Transaction modification based on modeled profiles is described. In an example, transaction data can be received from merchant computing devices associated with merchants associated with a payment processing system. A model can be trained to generate profiles using, as training data, one or more of merchant data, buyer data, or the transaction data. Upon receiving an indication of a particular transaction between a buyer and a merchant, it can be determined that a characteristic of the transaction corresponds to a profile of the generated profiles. Based on the determination that the characteristic corresponds to the profile and the transaction data, a recommendation can be generated for a modification of the transaction to add an item or replace an item.Type: GrantFiled: August 16, 2023Date of Patent: July 29, 2025Assignee: Block, Inc.Inventors: Abhay Kumar, Dan Hipschman, Rong Yan, John Berian James, Gian Perrone, Mai Leduc
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Patent number: 12373781Abstract: Techniques for obtaining images that are representative of items of inventory are described herein. A service provider may receive transaction data from a plurality of merchants and access visual representation data associated with items in the inventory of the plurality of merchants. The service provider may receive from a merchant an indication of intent to add an item of inventory. A data model is trained that uses the transaction data and the visual representation data. Merchant-facing and customer-facing visual representations for the item are obtained using the data model. An approval user interface is displayed for the merchant to approve use of the visual representations. Based on receiving approval, the merchant-facing image is presented via a merchant-facing user interface and the customer-facing image is presented via a customer-facing user interface.Type: GrantFiled: May 8, 2023Date of Patent: July 29, 2025Assignee: Block, Inc.Inventors: Matthew Capers, Marsal Gavalda, Roshan Jhunja
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Patent number: 12367478Abstract: Facilitating transaction status indications for point-of-sale (POS) systems is described. A POS application stored on a POS terminal of a POS system may communicate with a payment reader device coupled to the POS terminal and a payment server application. The POS application may receive, from a customer device associated with a customer and via a short-range communication network, payment information for satisfying a cost of a transaction. The POS application may send the payment information to the payment server application to attempt to authorize the payment information for the cost of the transaction and may receive, from the payment server application, an indication of a status of the transaction. Responsive to receiving the indication of the status of the transaction, the payment reader device and the customer device may output respective aspects of a transaction status indication associated with the status of the transaction.Type: GrantFiled: April 19, 2024Date of Patent: July 22, 2025Assignee: Block, Inc.Inventor: Sean Michael Hafemann
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Patent number: 12367515Abstract: In some examples, a payment service receives transaction information of transactions performed between a plurality of users of the payment service. The payment service determines terms for a first user to finance, for a second user, at least part of an amount of a payment. The terms are determined based on at least one of: a) transaction information associated with the first user; (b) transaction information of at least one related user; or (c) transaction information associated with the second user. The payment service transmits the terms to the first user and the second user. The payment service subsequently receives funds from the second user, and provides the funds to the first user as repayment for at least the part of the amount of the payment financed by the first user.Type: GrantFiled: June 27, 2023Date of Patent: July 22, 2025Assignee: Block, Inc.Inventors: Douglas Justin Shearer, Matthew Allen Todd
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Patent number: 12367467Abstract: Technology related to processing multi-customer transactions is disclosed. In an example, an interactive element is generated for a transaction and an indication that a device of a first customer captured the interactive element is received. In response to receiving the indication, at least a portion of a listing of items associated with the transaction are presented via a user interface of the device of the first customer. A request to initiate a payment for one or more first items selected by the first customer from at least the portion of the listing of the items can be received and payment for an amount of the one or more first items using funds associated with an account of the first customer can be initiated, wherein a remaining balance associated with one or more remaining items associated with the transaction is payable by at least a second customer.Type: GrantFiled: December 29, 2021Date of Patent: July 22, 2025Assignee: Block, Inc.Inventors: Claudia Ng, Kyle Snavely, Suegene Park
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Patent number: 12367501Abstract: Systems and methods directed to a payment server updating test criteria for an attestation routine, comprising receiving a request for attesting security of a payment terminal, generating an attestation routine comprising test criteria, sending the attestation routine to the payment terminal, and receiving attestation data based on execution of the attestation routine. Then, based at least in part on the attestation data and payment transaction data, the payment server determines indications of fraudulent transactions or tamper attempts, stores the indications in association with the attestation data and the payment transaction, receives feedback data including that one or more payment transactions were improperly denied or improperly accepted, and stores the feedback data in association with the payment transaction data. Based at least in part on the indications and the feedback data, the test criteria is updated and an updated attestation routine comprising the updated test criteria is generated.Type: GrantFiled: June 25, 2024Date of Patent: July 22, 2025Assignee: Block, Inc.Inventors: Dino Dai Zovi, Janek Klawe
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Patent number: 12363328Abstract: A computer-implemented method includes receiving, from a first device of a first participant of a videoconference, a first compressed video stream and a customized first machine-trained decoding model. The first compressed video stream is compressed using a customized first machine-trained encoding model. The first decoding model and the first compressed video stream are transmitted to a second device of a second participant in the videoconference. A second compressed video stream and a customized second machine-trained decoding model are received from the second device. The second compressed video stream is compressed using a customized second machine-trained encoding model. The second decoding model and second compressed video stream are transmitted to the first device by the server. The first compressed video stream is decoded on the second device using the first decoding model and the second compressed video stream is decoded on the first device using the second decoding model.Type: GrantFiled: October 5, 2023Date of Patent: July 15, 2025Assignee: Block, Inc.Inventors: Rayhane Mama, Marc Tyndel, Ragavan Thurairatnam
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Patent number: 12354157Abstract: Implementing extended reality (XR) storefronts is described. A server(s) may access catalogue data associated with items offered for sale by a merchant via an existing online storefront or an existing brick-and-mortar store. The server(s) may generate digital representations of the items, and generate a XR storefront including the digital representations of the items positioned within a virtual space. The server(s) may store storefront data representing the XR storefront in a datastore(s). At runtime, the server(s) may receive, from an electronic device of a customer, a request to access the XR storefront. In response, the server(s) may access the storefront data and cause the electronic device to display the XR storefront based at least in part on the storefront data.Type: GrantFiled: November 16, 2022Date of Patent: July 8, 2025Assignee: Block, Inc.Inventor: Joshua Skeen
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Patent number: 12355783Abstract: Disclosed herein is a method and system to determine whether a payment terminal has been tampered with based on a comparison of attestation data received from the payment terminal, for example in an offline mode when an otherwise secure remote server cannot be reached. If the determination yields that the request has been approved, the terminal generates an attestation ticket having one or more validity conditions, wherein the validity conditions include expiration time that indicates the time after which the attestation ticket becomes invalid. The attestation ticket can be used as long as it is valid or until another trigger causes the ticket to be invalidated or regenerated.Type: GrantFiled: June 9, 2022Date of Patent: July 8, 2025Assignee: Block, Inc.Inventors: Janek Klawe, Richard Neal Harris
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Patent number: 12354092Abstract: In some examples, a computer system receives, via a network and from a software module executable on a mobile device coupled to a card reader, security information that includes first security information associated with the card reader and second security information that is based on content of the software module and/or a software environment of the software module. The computer system determines validity of the first security information associated with the card reader based at least on information previously stored in the card reader and also accessible to the computer system. The computer system also determines the validity of the second security information. Based on determining the first and second security information are valid, the computer system sends, to the mobile device, an indication that the computer system has validated the security information, prompting the software module and the card reader to establish a secure communication session with each other.Type: GrantFiled: January 5, 2024Date of Patent: July 8, 2025Assignee: Block, Inc.Inventors: Max Joseph Guise, Jason Waddle, Dino Dai Zovi
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Patent number: 12354078Abstract: A mobile NFC payment reader, such as a smartphone or tablet, has a casing for protecting the reader from damage. The casing also includes circuitry having at least two NFC antennas that are electrically coupled to each other and capable of wireless communication with an NFC antenna of the reader. One of the casing's antennas is positioned such that it is aligned with and close to the reader's antenna. The other antenna of the casing may be positioned at another location relatively far from the reader's antenna, thereby extending the range at which a payment device can communicate with the reader's antenna. Thus, a tap location for the reader may be established at a more convenient or intuitive location, as may be desired, without having to change the location of the reader's antenna.Type: GrantFiled: December 30, 2022Date of Patent: July 8, 2025Assignee: Block, Inc.Inventors: Emad Bidari, Mani Razaghi Kashani, Anthony Newpower, Abdullah Yeaser
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Patent number: 12346907Abstract: In some examples, a predictive model is trained to determine account balances over which funds in user accounts are predicted to be surplus. Data of a first account of a user is input into the trained predictive model to determine a balance over which a portion of funds in the first account are predicted to be surplus funds for a period of time. A user device of the user presents a user interface that indicates predicted expenses and predicted income for a plurality of periods of time including the period of time. The user interface further indicates the surplus funds for the period of time and includes an interactive element for indicating disposition of the surplus funds. Based on receiving, via the user interface, an indication of an action to perform with respect to the surplus funds, at least one instruction is sent for performing the indicated action.Type: GrantFiled: November 13, 2023Date of Patent: July 1, 2025Assignee: Block, Inc.Inventors: Jacqueline Reses, Audrey Kim, Theodore Kosev, Andy Montgomery
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Patent number: 12346962Abstract: In some examples, a payment processing system may receive, via an application executing on a user computing device, payment instrument information of a payment instrument of a user. The payment processing system may send, to the user computing device, information that causes the application on the user computing device to present a user interface including information for a virtual payment card and an amount of financing available to the user through the virtual payment card. Based on receiving an indication of a purchase from a merchant and use the virtual payment card to pay for the purchase with at least a portion of the financing, the payment processing system, may determine that the user has selected, via the application, repayment of the financing according to a payment schedule including a plurality of payments, and may charge the payment instrument of the user for at least one of the payments.Type: GrantFiled: July 25, 2022Date of Patent: July 1, 2025Assignee: Block, Inc.Inventors: Audrey Kim, Theodore Mao
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Publication number: 20250200539Abstract: A decentralized node may generate a network of decentralized nodes individually configured to store, receive, and transmit data based on rules associated with the decentralized nodes. A decentralized node may associate a decentralized identity of an entity with a select decentralized node of the decentralized nodes. A decentralized node may present a user interface including one or more access controls at a edge device, the access controls configuring rules to be applied to third-party access and modification of decentralized identity data associated within the decentralized identity of the entity and stored at the selected decentralized node. A decentralized node may identify the decentralized identity data accessible to the select decentralized node based on the rules. A decentralized node may store the decentralized identity data within the decentralized identity associated with the entity at the select decentralized node.Type: ApplicationFiled: January 31, 2025Publication date: June 19, 2025Applicant: Block, Inc.Inventors: Emily Chiu, Daniel Buchner
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Patent number: 12321506Abstract: A circuit board is protected by being enclosed in a security housing that includes conductive tamper traces running along its interior surface, the conductive tamper traces being a housing portion of a tamper detection circuit. The tamper detection circuit also includes a board portion that detect tampering with the tamper detection circuit by monitoring voltages at monitor nodes along the board portion. The board portion of the tamper detection circuit is connected to the tamper traces via multiple connector pieces. The connector pieces can be held in place by board connector piece holders affixed to the board or housing connector piece holders of the housing. When tampering is detected, it can be localized based on voltages measured at multiple recesses along the housing. The tamper detection circuit can be arranged in a wheatstone bridge layout for environmental tolerance. The circuit board's functions/components can be disabled if tampering is detected.Type: GrantFiled: May 4, 2023Date of Patent: June 3, 2025Assignee: Block, Inc.Inventor: Mani Razaghi