Patents Assigned to Square, Inc.
  • Patent number: 10152713
    Abstract: Techniques and arrangements for detecting potentially fraudulent transactions made on a point-of-sale (POS) device. In some instances, the POS device may upload a batch of authorization requests corresponding to transactions made on the POS device while the POS device was in an offline mode. A payment service may receive this batch and, as opposed to processing the entire batch, may select a subset for processing. After selecting the subset, the payment service may attempt to authorize payment instruments associated with each transaction of the subset. The payment service may then compare an amount of declined payment instruments to a threshold. If the amount is greater than the threshold, then the payment service may flag the subset and/or the batch as fraudulent and may refrain from processing further transactions of the batch.
    Type: Grant
    Filed: October 9, 2015
    Date of Patent: December 11, 2018
    Assignee: Square, Inc.
    Inventors: Jevin Bhorania, Aimal Mehrabi
  • Patent number: 10147079
    Abstract: A payment handling system may operate to handle payments for the cost of a transaction in which one or more devices operate in an offline mode. The payment handling system may allow for merchant devices to make modifications to local versions of an open ticket while in an off-line mode. When a merchant device subsequently enters an online mode, the systems and techniques may operate to reconcile differences between the local versions of the open ticket.
    Type: Grant
    Filed: April 14, 2015
    Date of Patent: December 4, 2018
    Assignee: Square, Inc.
    Inventors: Christopher Philip Renke, Michael Wells White, Eric Dickeson Muller, Mathew Wilson
  • Patent number: 10140481
    Abstract: These and other objects of the present invention are achieved in a card reader with a read head positioned in a housing. The read head is configured to be coupled to a mobile device and has a slot for swiping a magnetic stripe of a card. The read head reads data on the magnetic stripe and produces a raw magnetic signal indicative of data stored on the magnetic stripe. A power supply is coupled to wake-up electronics and a microcontroller. An output jack is adapted to be inserted in a port of the mobile device and deliver an output jack signal to the mobile device.
    Type: Grant
    Filed: August 30, 2016
    Date of Patent: November 27, 2018
    Assignee: SQUARE, INC.
    Inventors: Kartik Lamba, Amish Babu, Adam David Peter Rothschild, Jack Dorsey, James M. McKelvey
  • Patent number: 10140623
    Abstract: A service provider may receive merchant analytics information from a plurality of merchant devices. In some examples, the service provider may generate a model based at least in part on the merchant analytics information, the model including a core set of features for predicting a merchant metric associated with a merchant. The service provider may detect a lift in an observed value of the merchant metric based at least in part on a residual value of the merchant metric at a location of the lift, and add an additional feature to the model to cause a predicted value of the merchant metric to correspond to the observed value of the merchant metric at the location of the lift. The service provider may further send information associated with the feature to a merchant device associated with the merchant. As an example, the information may include a prediction for the merchant metric and/or a recommendation for improving the business of the merchant.
    Type: Grant
    Filed: October 27, 2014
    Date of Patent: November 27, 2018
    Assignee: Square, Inc.
    Inventors: Levon J. Lloyd, Nader Al-Naji, Matthew Ivor Lloyd
  • Patent number: 10140604
    Abstract: A point-of-sale (POS) device includes a processor, a battery, a transaction object reader, a printer with a printer controller, and optionally a temperature sensor. The processor determines a present power discharge capability rate of the battery, optionally based on a temperature measured by the temperature sensor. The processor also calculates a first estimated power draw rate based on a first setting value for at least one of the components of the POS device, such as the printer. If the first estimated power draw rate is dangerously close to the present power discharge capability rate of the battery, a second estimated power draw rate is calculated based on a second setting value for the one or more components. If the second estimated power draw rate is no longer dangerously close to the present power discharge capability rate of the battery, the components are set to the second settings value.
    Type: Grant
    Filed: May 16, 2017
    Date of Patent: November 27, 2018
    Assignee: SQUARE, INC.
    Inventors: Cory Douthat, Jeremy Wade, Matthew H. Maibach
  • Patent number: 10133995
    Abstract: In some examples, a service provider may determine, for a time of day and a day of a week, orders received by individual merchants of a plurality of merchants over a past period of time. The service provider may further determine, for the time of day and day of the week, based at least in part on the orders received over the past period of time, a first merchant predicted to receive an order. Based at least in part on a pickup location of the first merchant, the service provider may send a communication to a first courier device associated with a first courier of a plurality of couriers. For example, the communication may include location information for a recommended location to which the first courier is to move to be in position for picking up an order from the merchant that is predicted to receive the order.
    Type: Grant
    Filed: February 19, 2015
    Date of Patent: November 20, 2018
    Assignee: Square, Inc.
    Inventors: Jesse Lee Reiss, Ajit Kalidindi Varma, Jeffrey Frank Iacono, Richard David Din
  • Patent number: 10127532
    Abstract: Disclosed is a technology for customizing the flow of a payment transaction at a payer's mobile device, based on parameters associated with a payee to which the payer is making the payment. The payee can be an individual person or a specific business entity (e.g., restaurant, political cause, professional service, etc.). The transaction flow technology involves communication between a mobile application installed on the mobile device and a remote payment service system (PSS). A list of potential payees can be displayed for selection by the payer at the mobile application. The payees can be nearby payees identified by using, e.g., BLE, Bluetooth®, Wi-Fi®, geofence, etc. Upon selection of a particular payee by the payer, the PSS identifies one or more parameters of that payee, e.g., payee type, and generates a transaction flow to guide the payer through a payment transaction with the selected payee based on those parameters.
    Type: Grant
    Filed: August 19, 2015
    Date of Patent: November 13, 2018
    Assignee: Square, Inc.
    Inventor: Brian Grassadonia
  • Patent number: 10127508
    Abstract: A salesperson may be paid commissions for products sold from the inventory of a merchant. In some examples, the commissions for different products may be determined and changed dynamically, throughout the course of a business day, in response to changing sales rates and inventory conditions. Specifically, commissions may be changed to increase the sales rates of certain products over others. As an example, it may be desired to increase the sales rates of products having relatively high inventory counts and/or that are nearing the expiration of their shelf lives. The changing commission amounts are published or advertised to the salespersons throughout the day so that the salespersons can see which products will produce the highest commissions. The commissions may be paid electronically, immediately or soon after the transactions in which the commissions were earned.
    Type: Grant
    Filed: January 13, 2015
    Date of Patent: November 13, 2018
    Assignee: Square, Inc.
    Inventors: Caroline Hollis, Amir Nathoo, James Colin Brady, Connor H. Dunn
  • Patent number: 10127409
    Abstract: Disclosed is a technique for prevention of false tamper positives experienced by an electronic device by use of a custom profile. The technique includes electrically coupling a conductive trace to a tamper monitoring component for use in tamper detection on the trace. Upon occurrence of the threshold voltage on the conductive trace, a tamper event is detected. A second conductive trace is monitored over time to determine behavior of the device. If the device is likely to trigger tamper responses in response to change in environment, the threshold voltage is changed to tamper positives triggered by environment.
    Type: Grant
    Filed: December 16, 2016
    Date of Patent: November 13, 2018
    Assignee: Square, Inc.
    Inventors: Jeremy Wade, Sean Michael Hafemann
  • Patent number: 10127595
    Abstract: Item-level information of a particular item may be processed to categorize the particular item. In some instances, the particular item may be ranked across multiple merchants that are offering the particular item for acquisition. The ranking may be based on the item-level information that relates to an attribute of the particular item for the individual merchants. For example, the item-level information may include a cost of the particular item at a merchant, a rating of the particular item for a merchant, a number of calories of the particular item for a merchant, and so on. Information regarding the ranking may be displayed or otherwise output to enable the user to identify and order the particular item from a merchant that satisfies the user's needs.
    Type: Grant
    Filed: December 31, 2014
    Date of Patent: November 13, 2018
    Assignee: SQUARE, INC.
    Inventors: Daniel Hipschman, James F. Butts, III, Zachary Brock, Abhay Raj Kumar, Matthew O'Connor
  • Patent number: 10121136
    Abstract: In some examples, a merchant device at a point of sale (POS) location may present information to a merchant in a first language preferred by the merchant, and may present information to a buyer in a second language preferred by the buyer. The merchant device may switch between the different languages in response to detecting a change in the physical orientation of a display. For instance, in a first orientation in which the display is viewable from a merchant direction, the merchant device may present information in the language preferred by the merchant. When the orientation of the display is changed to a second orientation in which the display is viewable from a buyer direction, the merchant device may present information in the language indicated to be preferred by the buyer. Various techniques may be used for determining the preferred language of a particular buyer.
    Type: Grant
    Filed: October 25, 2017
    Date of Patent: November 6, 2018
    Assignee: Square, Inc.
    Inventors: Christopher Lang Mocko, Koun Han, Hsuan-Yu (Jerry) Lin, Michael Wells White
  • Patent number: 10120427
    Abstract: A payment reader includes a power management system to control the power mode of the payment reader. The power management system can transition the payment reader between a sleep mode, a low power mode and a full power mode. The power management system can use a low power mode reference counter to determine when to transition from the full power mode to the low power mode and a sleep mode reference counter to determine when to transition from the low power mode to the sleep mode. When the low power mode reference counter reaches zero, the power management system deactivates a payment processing subsystem to transition to the low power mode. Similarly, when the sleep mode reference counter reaches zero, the power management system deactivates a payment reader system to transition to the sleep mode.
    Type: Grant
    Filed: March 30, 2016
    Date of Patent: November 6, 2018
    Assignee: Square, Inc.
    Inventors: Nicholas Hebner, David Terra, Rodion Steshenko
  • Publication number: 20180315038
    Abstract: A device may run an application having information with multiple accounts associated with processing of transactions. The application may provide account information that is used to process the transactions. At the same time, a background application may operate on the device. The background application may be compatible with a second device, and when within range of the second device, may communicate background messages relevant to the transaction. The transaction may then be processed based on the account information and the background messages.
    Type: Application
    Filed: April 28, 2017
    Publication date: November 1, 2018
    Applicant: Square, Inc.
    Inventors: Afshin Rezayee, Malcolm Smith, Lev Kusman, Gokhan Aydeniz, Yasser Zabuair, Jesse Wilson, Shawn Zurbrigg, Murat Cat
  • Patent number: 10108412
    Abstract: A payment service system may include a server that manages firmware updates for payment devices such as payment readers. A payment reader may access a firmware manifest including a listing of current firmware assets stored at the payment reader, and send the firmware manifest to the server. The server may compare the firmware manifest to available firmware bundles, which are ordered combinations of firmware assets that have been released for usage by payment readers. Some of the bundles may be blocking bundles, while some are non-blocking. If a payment reader is to be updated with a blocking bundle, it cannot process payments during the update. If the update is not a blocking bundle, the payment reader may continue to process payments.
    Type: Grant
    Filed: March 30, 2016
    Date of Patent: October 23, 2018
    Assignee: Square, Inc.
    Inventors: Rodion Steshenko, Jianliang Zhao, Timothy Kordas
  • Patent number: 10108938
    Abstract: In one embodiment, a method includes receiving, from a point-of-sale system associated with a merchant, a request for payment associated with a transaction, wherein a payment amount is specified in a fiat currency. The method also includes determining a preference of the customer to pay for the transaction using a cryptocurrency and calculating a cryptocurrency value of the payment based on an exchange rate between the cryptocurrency and the fiat currency. The method further includes initiating a transfer of cryptocurrency value 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 generating a record of the transaction between the customer and the merchant.
    Type: Grant
    Filed: June 18, 2018
    Date of Patent: October 23, 2018
    Assignee: Square, Inc.
    Inventors: Christopher Michael Brock, Brian Grassadonia, Michael Moring
  • Patent number: 10108947
    Abstract: Aspects of the subject disclosure provide a reader device for managing transactions using financial instruments with encrypted data storage devices, such as integrated circuit cards (ICC). In some implementations, a reader device of the subject technology can be configured to access the encrypted information in an ICC via an index or table of keys stored on a host device. In operation, upon detecting an ICC, the reader device can obtain application or protocol information for the ICC and concurrently pre-fetch keys from the host device, so that the pre-fetched keys are received prior to or concurrently with the application or protocol information. In the event that the pre-fetch fails to provide the keys needed for the application or protocol of the ICC, the reader device can make a specific request for the exact keys needed for the application or protocol.
    Type: Grant
    Filed: July 31, 2014
    Date of Patent: October 23, 2018
    Assignee: SQUARE, INC.
    Inventors: Dan Post, Dave Terra
  • Patent number: 10102528
    Abstract: Disclosed herein are systems and methods for real-time provisioning of new card numbers to users of a consumer computing system. A consumer computing system (“CCS”) may have servers and databases situated within a banking infrastructure in order to provide various features to users via a software application executed by a client device. The software application may interact with the CCS servers, such that the CCS servers and the software application offer the client device and the user certain features not ordinarily available in conventional banking infrastructures. These features may include the real-time provisioning of card numbers for a user's banking account. In operation, the client device may submit a request for a new card number to a CCS server, which may be generated in real-time and active in the payment stream when the card number is generated.
    Type: Grant
    Filed: August 17, 2017
    Date of Patent: October 16, 2018
    Assignee: Square, Inc.
    Inventors: Brian Grassadonia, Ayokunle Omojola, Joachim Bekmann
  • Patent number: D831107
    Type: Grant
    Filed: February 21, 2018
    Date of Patent: October 16, 2018
    Assignee: Square, Inc.
    Inventor: Yenliang Chen
  • Patent number: D832344
    Type: Grant
    Filed: March 10, 2014
    Date of Patent: October 30, 2018
    Assignee: Square, Inc.
    Inventor: Bruce Bell
  • Patent number: D832696
    Type: Grant
    Filed: April 13, 2016
    Date of Patent: November 6, 2018
    Assignee: Parker Square, Inc.
    Inventors: Jonathan Balanevsky, Mei Hao Zheng