Patents Assigned to Square, Inc.
  • Patent number: 10820138
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for generating geofences. One of the methods includes receiving, at a mobile device, a signal emitted by a merchant device associated with a merchant. If the signal is emitted by a merchant device associated with a merchant and the distance between the mobile device and the merchant device satisfies a threshold, a notification is provided on the mobile device indicating proximity of the merchant associated with the merchant device.
    Type: Grant
    Filed: April 27, 2018
    Date of Patent: October 27, 2020
    Assignee: SQUARE, INC.
    Inventors: Shuvo Chatterjee, William Henderson, Nathan Spindel, Scott Charles Perry
  • Patent number: 10817853
    Abstract: In one embodiment, a method includes receiving a request for payment associated with a transaction between a merchant and a customer, where a payment amount is specified in a fiat currency, determining a preference of the customer to pay for the transaction using a security asset, and verifying that a value of the security asset held by the payment system and assigned to the customer is sufficient to satisfy the payment amount. The method also includes initiating a transfer of at least a portion of the value of the security asset from a customer balance of the customer to a service balance of the payment service, initiating a transfer of a value in the fiat currency from the service balance of the payment service to a merchant balance of the merchant, and storing a record of the transaction between the customer and the merchant.
    Type: Grant
    Filed: September 28, 2018
    Date of Patent: October 27, 2020
    Assignee: Square, Inc.
    Inventors: Christopher Michael Brock, Brian Grassadonia, Michael Moring
  • Patent number: 10817869
    Abstract: A payment terminal includes multiple chips that perform different processing functions within the payment terminal. A terminal chip performs general functionality of the payment terminal while a transaction chip communicates with payment devices such as chip cards and NFC payment devices and processes payment information. The transaction chip may operate in a low power during which communications and processing are limited, and a transaction processing mode in which transactions may be processed. The transaction chip may transfer between these modes based on wake-up messages provided by other devices or circuitry of the payment terminal.
    Type: Grant
    Filed: June 29, 2016
    Date of Patent: October 27, 2020
    Assignee: Square, Inc.
    Inventors: David Terra, Koun Han, Michael Wells White, Michael Dahn
  • Patent number: 10817881
    Abstract: A computer-implemented method for providing payment account information in a user account by receiving payment card information by a card reader at a point of sale. An account can be created when the payment card information is read by the card reader. Optionally, a gift card can be scanned prior to the creation of the account, and the gift card information can be combined with the payment card information. The gift card can be an electronic gift card which can be personalized with textual, visual, video, and/or audio portions.
    Type: Grant
    Filed: March 4, 2019
    Date of Patent: October 27, 2020
    Assignee: Square, Inc.
    Inventor: William Henderson
  • Patent number: 10819528
    Abstract: A device may include one or more sources such as circuit elements and electrical components that function as sources for physically unclonable function (PUF) data. PUF data may be acquired from the PUF sources and one or more error correction codes may be applied to the PUF data. The resulting PUF values may be used to generate information that may be used for device security operations such as encryption and tamper detection.
    Type: Grant
    Filed: December 15, 2017
    Date of Patent: October 27, 2020
    Assignee: Square, Inc.
    Inventors: Kamran Sharifi, Afshin Rezayee, Jeremy Wade, Yue Yang, Max Joseph Guise, Bertram Leesti
  • Patent number: 10810592
    Abstract: Disclosed are a system and a method for purchasing items from a merchant system using friction-less payment processing technology. A customer initiates a purchase transaction from a user interface of the merchant system by selecting a payment button in lieu of payment information or login credentials or signing-into accounts. An auto-payment component parses a navigable link connected to the payment button to locate a mobile payment portal either installed on the mobile device as a mobile payment application or authenticated as a web application in a web-browser. The auto-pay component generates a payment request and sends the request to a payment service system via the mobile payment portal. The payment service system uses information in the payment request to identify financial accounts associated with the customer and the merchant. The payment service system then initiates a transfer of a payment amount from the customer to the merchant.
    Type: Grant
    Filed: November 19, 2015
    Date of Patent: October 20, 2020
    Assignee: Square, Inc.
    Inventors: Ayokunle Omojola, Daniel Federman, Sean Slinsky, Daniele Perito, Marcelo Cortes
  • Patent number: 10810682
    Abstract: Disclosed herein is a technology for automatically triggering delivery of a digital receipt for a financial transaction based on a previously stored electronic address for receiving digital receipts. In at least some embodiments, the technology includes a digital receipt system working in coordination with one or more merchants' POS device to deliver receipts for current transactions based on a previously stored electronic address from past transactions. The first time a user utilizes a payment card in a transaction, the system associates and stores a user-provided electronic address with the card. The next time the user utilizes the card in a new transaction, the system identifies the card has been used in a past transaction, determines the electronic address associated with the card, and automatically triggers receipt delivery to the electronic address, regardless of the new transaction being with a same or different merchant than the one in the past transaction.
    Type: Grant
    Filed: January 21, 2014
    Date of Patent: October 20, 2020
    Assignee: Square, Inc.
    Inventors: Dustin Moring, Brian Grassadonia, Lauren A. Myrick, David W. Maxwell
  • Patent number: 10810574
    Abstract: Embodiments disclosed in this specification include uploading instructions to a voice-recognition server, such that when the voice-recognition server identifies keywords in an audio stream, the voice recognition server can perform a payment transaction using a payment-service-system server. The systems and methods disclosed can receive payment requests at the payment-service-system server, which can then process the payment transaction using historical payment information and contact information associated with the payment-service-system user. The payment-service-system server can communicate notifications and confirmations to the voice-recognition server or to separate user computing devices. In this way, the payment-service-system server can process payment transactions between users using voice-controlled speakers.
    Type: Grant
    Filed: June 29, 2017
    Date of Patent: October 20, 2020
    Assignee: Square, Inc.
    Inventors: Jesse Wilson, Terrill Dent
  • Patent number: 10808321
    Abstract: A graphene roll-to-roll coating apparatus and a graphene roll-to-roll coating method are provided on the basis of a continuous process.
    Type: Grant
    Filed: March 20, 2018
    Date of Patent: October 20, 2020
    Assignee: Graphene Square Inc.
    Inventors: Byung Hee Hong, Young Jin Kim, Jaeboong Choi, Hyeong Keun Kim, Junmo Kang, Su Kang Bae
  • Patent number: 10810650
    Abstract: Buyer profile management is described herein. In an example, a payment processing service can store, in a database, buyer profiles associated with buyers involved in transactions with one or more merchants of the payment processing service. The payment processing service can receive transaction data associated with a new transaction between a buyer and a merchant and can determine whether the transaction data corresponds to any of the buyer profiles. Based at least in part on determining that the transaction data corresponds to one of the buyer profiles, the payment processing service can update the database storing the buyer profiles, wherein updating the database comprises merging two or more buyer profiles. A recommendation can be made based on the merged buyer profile prior to completion of the new transaction.
    Type: Grant
    Filed: March 29, 2019
    Date of Patent: October 20, 2020
    Assignee: Square, Inc.
    Inventors: Abhay Kumar, Dan Hipschman, Rong Yan, John Berian James, Gian Perrone, Mai Leduc
  • Patent number: 10809564
    Abstract: A wireless communication device has a display device and a transmitter that wirelessly transmits a wireless (e.g., NFC) signal from an antenna. The antenna is positioned such that the display device may be between the antenna and another wireless communication device that is to receive the signal, and the display device may attenuate such signal. A reflector of the display device is patterned with small gaps in order to limit the loop sizes of eddy currents that are induced by the wireless signal, thereby reducing parasitic power consumption of the reflector to the wireless signal. Thus, the presence of the gaps in the reflector improves the transparency of the display device to the wireless signal without significantly affecting the performance of the reflector in sinking heat and reflecting light.
    Type: Grant
    Filed: November 28, 2018
    Date of Patent: October 20, 2020
    Assignee: Square, Inc.
    Inventor: Emad Bidari
  • Patent number: 10810569
    Abstract: Disclosed herein are systems and methods for processing a payment request that use mobile devices to have money transferred. These mobile devices are capable of running a payment transfer application that facilitates a transfer of money. A user can then execute the payment transfer application using a mobile device to send money, through a payment processing system that runs the payment transfer application, to a recipient account. One or more techniques authenticate a user of the mobile device by multi factor authentication prior to processing requests for money transfer initiated by the user.
    Type: Grant
    Filed: January 30, 2017
    Date of Patent: October 20, 2020
    Assignee: Square, Inc.
    Inventors: Brian Grassadonia, Ayokunle Omojola, Michael Moring, Robert Andersen, Daniele Perito, Kristopher Stipech
  • Patent number: 10810570
    Abstract: A point of sale (POS) device includes a nest portion and a cradle portion. The nest portion includes one or more payment card or near field communication (NFC) readers. The cradle portion couples to differently-sized interchangeable frames, which in turn help secure a mobile computing device to the cradle portion of the POS device. The mobile computing device is connected via a connector to the rest of the POS device. Payment card information read by the readers is conveyed to the mobile computing device over the connector for processing. The POS device may also include tamper detection circuitry.
    Type: Grant
    Filed: September 30, 2019
    Date of Patent: October 20, 2020
    Assignee: Square, Inc.
    Inventors: Jeremy Martin, Mani Razaghi Kashani, Nicholas Kunst, Brett Andler, Steven Stallion, Rowan Schultz, Yenliang Chen, Cory Douthat
  • Patent number: 10803418
    Abstract: Techniques for temporarily providing access to a functionality associated with a service to one or more personal devices corresponding to one or more users is described. In an example, an entity device may provision temporary access to a functionality associated with a service that benefits the entity to a personal device operated by a user. The personal device may utilize the functionality to perform a task, such as inventory data collection. The entity device may determine an occurrence of an event, and based at least in part on the occurrence of the event, may terminate the provisioning of the temporary access to the functionality. The entity device may receive data, such as inventory data, from the personal device and may send the data to a payment processing system.
    Type: Grant
    Filed: March 9, 2017
    Date of Patent: October 13, 2020
    Assignee: Square, Inc.
    Inventors: Claudia Ng, John Lewis
  • Patent number: 10802279
    Abstract: A display system including a display device which is used by being mounted on the head of a player, comprising: a virtual camera specifier that specifies a visual axis and/or a position of a virtual camera in a virtual space, according to a direction and/or a position of the display device; and a displayer that displays an object present in the virtual space, on the display device, according to the visual axis and/or the position of the virtual camera, wherein in a case where there is an object on the visual axis specified by the virtual camera specifier, the displayer additionally displays information associated with the object.
    Type: Grant
    Filed: September 7, 2017
    Date of Patent: October 13, 2020
    Assignees: SQUARE ENIX CO., LTD., GREE, INC.
    Inventors: Naoya Kashima, Yoshihisa Akashi, Robin Boucher, Natsuko Kushida
  • Patent number: 10803461
    Abstract: A payment reader and a POS terminal may communicate over a wireless connection. An original state of the payment reader can be used to determine a behavioral model, wherein the behavioral model defines an expected behavior of the payment entity. The system and method include detecting a change in the original state of the payment entity, wherein the change in the original state is triggered by another payment entity not authorized by the merchant; comparing the change of the original state with a threshold deviation defined by the behavioral model; and if the change of state is not within the threshold deviation, performing one or more actions to revert the payment entity to the original state.
    Type: Grant
    Filed: September 30, 2016
    Date of Patent: October 13, 2020
    Assignee: Square, Inc.
    Inventors: Shane Hamilton, Todd Aument, Andrew Leiserson
  • Patent number: 10796363
    Abstract: In some examples, a payment processing system may receive identity information identifying a buyer and an indication of a buyer interest in purchasing an item from a first merchant. The system may determine, based on the identity information and item information, that the buyer is eligible for financing the purchase of the item. The system may generate a customized financing offer for the buyer to finance the purchase price of the item. For example, the customized financing offer may include financing terms and may be based on previous financing activity of the buyer with one or more merchants associated with the payment processing system, and/or previous financing activity associated with one or more buyers that have financed the item from the first merchant. The payment processing system may transmit the customized financing offer to cause a user interface to present the customized financing offer to the buyer.
    Type: Grant
    Filed: November 15, 2017
    Date of Patent: October 6, 2020
    Assignee: SQUARE, INC.
    Inventors: Audrey Kim, Theodore Mao
  • Patent number: 10783508
    Abstract: A point-of-sale system for concurrently processing multiple point of sale transactions, each point of sale transaction including an item input portion and a payment portion of the transaction, each portion performed in series. The point-of-sale system comprises a customer facing terminal and a merchant facing terminal. The system can comprise a plurality of customer facing terminals and can be portable. The customer facing terminal is configured to receive an input of payment information for a first point of sale transaction during a payment portion of the first point of sale transaction. The merchant facing terminal is configured to receive an input of an item selection for a second point of sale transaction during an item input portion of the second point of sale transaction and during the payment portion of the first point of sale transaction.
    Type: Grant
    Filed: April 29, 2016
    Date of Patent: September 22, 2020
    Assignee: Square, Inc.
    Inventors: Bruce Bell, Gerald Thomas Knight, Jared Travis Marr
  • Patent number: 10783509
    Abstract: Systems and methods for message sizing and serialization optimization are disclosed. Communications between a secure payment enclave, other components of a customer terminal, a merchant terminal, and/or a remote system may be optimized depending on a state of the customer terminal and/or the merchant terminal. Message sizing and type may be optimized depending on the state. Additionally, or alternatively, message serialization may be optimized using state-dependent protocol buffers. The communications may pass between components of a POS system to a remote system via two operating-system stacks, which may be customized for a POS system transaction.
    Type: Grant
    Filed: October 2, 2017
    Date of Patent: September 22, 2020
    Assignee: Square, Inc.
    Inventor: Shalisa Pattarawuttiwong
  • Patent number: 10783517
    Abstract: In one embodiment, a method includes receiving, at a third-party payment application integrated with a native wallet application executing on a mobile device, a payment request and a near-field communication code received from a payment terminal associated with a merchant. The mobile device includes secure elements accessible by the third-party payment application based on a processor of the mobile device being in a secure mode. The method includes authenticating a user through a secure subsystem executing on the mobile device. The method includes facilitating payment between the user and the merchant through a third-party payment server based on the authenticating the user and identifying a loyalty program status associated with the merchant. The method includes updating the payment request with the loyalty program to generate an updated loyalty program status. The method includes displaying a user computing device, comprising the updated loyalty program status.
    Type: Grant
    Filed: December 30, 2016
    Date of Patent: September 22, 2020
    Assignee: Square, Inc.
    Inventors: Brian Grassadonia, Ayokunle Omojola, Robert Andersen, Michael Moring, Daniele Perito