Patents Assigned to Square, Inc.
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Publication number: 20210240947Abstract: A point-of-sale system is a dual-screen stand assembly that includes a merchant terminal and a consumer terminal. The merchant terminal and the consumer terminal can be mated together in a fixed position to form a single unitary stand, or can be separated from each other in a separated position with each terminal serving as its own separate stand. The merchant terminal supports a merchant computing device and is oriented in a merchant-facing direction. The consumer terminal is detachably mated to the merchant terminal and supports a consumer computing device that is oriented in a consumer-facing direction. The point-of-sale system also includes a card reader as part of the customer terminal to perform a payment. The card reader is configured to accepting swipe cards, chip cards or contactless (EMV or NFC) payments.Type: ApplicationFiled: February 19, 2020Publication date: August 5, 2021Applicant: Square, Inc.Inventors: Yenliang Chen, Isreal Blagdan, Michael C. Lamfalusi, Kartik Lamba, Jeremy Wade
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Patent number: 11080674Abstract: A point-of-sale system is a dual-screen stand assembly that includes a merchant terminal and a consumer terminal. The merchant terminal and the consumer terminal can be mated together in a fixed position to form a single unitary stand, or can be separated from each other in a separated position with each terminal serving as its own separate stand. The merchant terminal supports a merchant computing device and is oriented in a merchant-facing direction. The consumer terminal is detachably mated to the merchant terminal and supports a consumer computing device that is oriented in a consumer-facing direction. The point-of-sale system also includes a card reader as part of the customer terminal to perform a payment. The card reader is configured to accepting swipe cards, chip cards or contactless (EMV or NFC) payments.Type: GrantFiled: January 21, 2016Date of Patent: August 3, 2021Assignee: Square, Inc.Inventors: Yenliang Chen, Isreal Blagdan, Michael C. Lamfalusi, Kartik Lamba, Jeremy Wade
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Patent number: 11080666Abstract: A payment handling system may operate to handle payments for the cost of an open ticket transaction in which incremental authorization operations are performed. The payment handling system may receive items to add to the open ticket, payment instruments for paying the cost of the open ticket or adjustments to any bill splitting arrangement throughout the life of the open ticket. As items are added, payment instruments are received, and/or adjustments are input, the amount allocated to the one or more payments instruments may be updated. Incremental authorization values may be determined for some or all of the payment instruments. When the amount allocated to a payment instrument exceeds the incremental authorization value, an authorization of the instrument is attempted and a new authorization value is determined. At the end of the interaction, the open ticket is closed and payment is executed.Type: GrantFiled: August 2, 2018Date of Patent: August 3, 2021Assignee: Square, Inc.Inventors: Christopher Philip Renke, Michael Wells White, Eric Dickeson Muller, Mathew Wilson
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Patent number: 11080675Abstract: A consumer terminal for a point-of-sale (POS) system used in performing a POS transaction between a merchant and a consumer. The consumer terminal includes a display, a touch panel, first electronics in a physically secure area and second electronics in a non-secure area. The first electronics are configured to display a series of screens to guide a consumer through the POS transaction. The second electronics comprises a microcontroller and a secure processor. Upon receiving a request for secure data from the non-secure processor, the secure processor sends a notification to the non-secure processor to exit pass-through mode and enter a secure touch mode. Upon completion of PIN entry, the secure processor instructs non-secure processor to exit secure touch mode and return to pass-through mode.Type: GrantFiled: February 8, 2017Date of Patent: August 3, 2021Assignee: Square, Inc.Inventors: Max Guise, Isreal Blagdan, Bradley T Hall, Trent Weber
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Patent number: 11071241Abstract: A method for shielding electromagnetic waves by using grapheme formed on inside or outside a device having an electromagnetic wave generating source and/or by using graphene formed on a substrate, an electromagnetic shielding material and film including the graphene, and an electronic or electric device including the electromagnetic wave shielding film.Type: GrantFiled: July 2, 2018Date of Patent: July 20, 2021Assignee: Graphene Square Inc.Inventors: Byung Hee Hong, Jea-Boong Choi, Young Jin Kim, Hyeongkeun Kim, Sukang Bae, Junmo Kang
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Patent number: 11064047Abstract: Techniques described are directed to accessibility of instant application data via an associated application. In an example, a service provider can cause a first user interface associated with an instant application associated with a particular, discrete functionality of an application to be presented via a first user computing device of a user. The service provider can receive data via an interaction with the first user interface associated with the instant application. The service provider can receive a request to download the application from a second user computing device of the user, cause the application to be downloaded on the second user computing device of the user, and cause the data received via the interaction with the first user interface associated with the instant application to be associated with the application on the second user computing device.Type: GrantFiled: December 7, 2020Date of Patent: July 13, 2021Assignee: Square, Inc.Inventors: Brian Stegall, Kenneth Randall Kinsella Wigginton, Arjun Mahanti, Marc David Perry, Matthew T. Kursmark
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Patent number: 11055692Abstract: Application integration for contactless payments is described. In an example, a payment making platform can provide a transaction code to a payment processing platform. The transaction code can be presented at a point-of-sale of a transaction between a customer and a merchant associated with the payment processing platform. Upon detecting an interaction between the transaction code and a computing device of the customer, the payment making platform and the payment processing platform can exchange data to enable the customer to participate in the transaction via the computing device of the customer. In some examples, the payment making platform and the payment processing platform can process a contactless payment for the transaction by transferring funds associated with an account of the customer from the payment making platform to the payment processing platform for depositing into an account of the merchant.Type: GrantFiled: October 26, 2020Date of Patent: July 6, 2021Assignee: Square, Inc.Inventors: Pritesh Bodalia, Deepkarn Bedi, Christopher Sukovich, Vinh Au, Jessica Bullitt
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Patent number: 11049095Abstract: A payment reader can have one or more kernels capable of performing certain payment processing functions but not capable of performing certain, more processing-intensive payment processing functions. The payment reader may be designed to selectively assign processing tasks to application layer kernels located on a mobile device and/or a cloud-based device external to the payment reader, the mobile device having more or different processing resources than the payment reader. The selective assignment may be made dynamically based on the measurement of a condition of the reader or an occurrence of an event, such as a determination that the payment reader cannot process a transaction, that the payment reader does not have sufficient battery strength to process the transaction, or that there has been a tempering attempt at the payment reader. The payment reader also has a physical layer module, which module maintains its processing on the payment reader.Type: GrantFiled: December 21, 2018Date of Patent: June 29, 2021Assignee: Square, Inc.Inventors: Murat Cat, Gokhan Aydeniz, David Terra
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Patent number: 11042901Abstract: Techniques and arrangements for generating, distributing and managing promotion campaigns are described. A promotion server may generate the promotion campaigns based on input from a merchant. The input may include a request to generate the promotion campaign, a merchant preference, or other information shared between the merchant and the promotion server. The promotion campaign may include promotions, such as coupons, discounts, or the like, to encourage transactions with a merchant. The promotions may be generated based on merchant specified criteria, a merchant transaction history, customer preferences, a customer transaction history, and/or other information processed by the promotion server. The promotions of the promotion campaign may be distributed via one or more channels, such as electronic mail, website publication, receipts, etc.Type: GrantFiled: May 31, 2017Date of Patent: June 22, 2021Assignee: Square, Inc.Inventors: Ramy Bebawy, Philip Zigoris, Lily Chiang, James Hart, Rujia Zha
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Patent number: 11042932Abstract: This disclosure describes, in part, techniques for generating predictive models based on past transaction data and/or future-event data to predict: (i) when an account of user is expected to fall below a minimum balance associated with that user, and/or (ii) when an account has surplus funds that may safely be moved to a higher-yield account for some amount of time. In response to determining a predicted time at which an account is expected to fall below the minimum balance, the techniques may generate an offer to extend capital to the user prior to the predicted time. In response to determining that a user has or will have surplus funds, the techniques may generate an offer to move some or all of these surplus funds into a separate account providing a higher yield than the primary account of the user.Type: GrantFiled: July 30, 2019Date of Patent: June 22, 2021Assignee: Square, Inc.Inventors: Jacqueline Reses, Audrey Kim, Theodore Kosev, Andy Montgomery
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Patent number: 11042863Abstract: A group money transfer technology that enables a sender to send a group payment or a group request for payment to any number of users that are nearby to effect multiple money transfer transactions are disclosed. The sender can use a payment application executing on his or her mobile device to input an amount and select a group payment or a group request for payment as a request type. In response, the payment application identifies multiple individuals that are nearby the sender or in the same geo-fenced area and are likely to be the intended recipients. The identification of the multiple individuals can be based on location alone, or in combination with one or more contextual criteria based on contact information, schedule information, transaction history information, and the like.Type: GrantFiled: March 20, 2015Date of Patent: June 22, 2021Assignee: Square, Inc.Inventor: Ayokunle Omojola
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Patent number: 11042859Abstract: Techniques and arrangements for dynamically adjusting activity metrics and merchant states based, in part, on how many mobile electronic devices are currently located at the merchant. For example, if a number of mobile electronic devices is greater than a history of a number of devices, then it may be determined that the merchant is busy. If the number is less than the history of the number of devices, then it may be determined that the merchant is not busy.Type: GrantFiled: February 24, 2017Date of Patent: June 22, 2021Assignee: Square, Inc.Inventors: Jason Holmes, Logan Johnson, Raymond John Ryan, Jotham Taylor, III
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Patent number: 11042883Abstract: Techniques for integrated online and offline sales management are described. A merchant application executing on a merchant device can present options for selling an item of a merchant. The options can include (i) a first option wherein an amount for the item is payable using a payment object at a payment object reader coupled to the merchant device and (ii) a second option wherein the amount for the item is payable using a customer application. An input associated with the second option can be received via the merchant application and, responsive to the input, a payment transaction link can be generated. The payment transaction link can be presented for sharing by the merchant with at least one customer, wherein the payment transaction link enables the at least one customer to pay the amount for the item using the customer application.Type: GrantFiled: March 16, 2020Date of Patent: June 22, 2021Assignee: Square, Inc.Inventors: Ajit Kalidindi Varma, Joseph Loree Robinson, Andrew Lin, Jesse Reiss
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Patent number: 11023928Abstract: An appointment and payment handling system may operate to fill unbooked appointment blocks of a merchant based on customer locations and transaction history of the merchant The appointment and payment handling system may identify customer devices of customers of the merchant that are within a threshold distance from a location of the merchant. The appointment and payment handling system may notify the merchant of nearby customers and generate a promotion to send to the customer devices. Based on receiving merchant approval to offer the unbooked appointment block to the nearby customers, the system may cause presentation of the promotion and availability of an appointment on the customer devices. Upon receiving an acceptance of the appointment offer, the appointment and payment handling system may schedule the appointment.Type: GrantFiled: June 19, 2019Date of Patent: June 1, 2021Assignee: Square, Inc.Inventors: Lauren A. Myrick, Willem Ave, Evan Ginsburg
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Patent number: 11023873Abstract: Payment technology companies are advancing technological solutions to facilitate payments between users and merchants. The complex architecture and software associated with payment technologies can be further improved by offering additional services to users. Some users may find it difficult or overly complicated to use payment technologies. As such, technological improvement are needed to make using payments technology easier, including adding the ability to make payments when funds are not available in an account, or to offer an advance funds transfer if the user would prefer not to use funds stored in a balance.Type: GrantFiled: March 31, 2017Date of Patent: June 1, 2021Assignee: Square, Inc.Inventors: Brian Grassadonia, Tobi Kral, Michael Moring, Kristopher David Stipech, Eric Firestone
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Patent number: 11023878Abstract: In some examples, methods and systems may process one or more payment transactions between a merchant and a remote customer by exchanging at least one payment proxy having a syntax including a monetary currency indicator preceding an alphanumeric character, corresponding to the merchant or the customer over a mesh network. A customer device detects a neighboring beacon and sends a route request through a communication channel, the route request includes at least an address of a merchant beacon device. The neighboring beacon determines a routing path to connect the customer device and the merchant beacon device by hopping over one or more neighboring beacon devices. Once the communication channel is established, the customer device can send and receive the payment proxy to and from the merchant beacon device. The customer device is configured to generate a message identifying the payment proxy as a method of payment for the payment transaction.Type: GrantFiled: September 18, 2015Date of Patent: June 1, 2021Assignee: Square, Inc.Inventors: Marc Hernandez, Brian Grassadonia
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Patent number: 11023869Abstract: A method of managing a cardless payment transaction between a customer and a merchant includes receiving, from a device of a customer, an indication of consent to join the customer to a cardless payment transaction, where the cardless payment transaction is between one or more other customers and the merchant; receiving from the customer device, location data indicating that the customer device is in proximity with the merchant; joining the customer with the cardless payment transaction between the one or more other customers and the merchant; receiving transaction data between the merchant and each customer; and submitting, for each customer associated with the cardless payment transaction, a transaction between the merchant and the customer to a financial service for authorization.Type: GrantFiled: May 26, 2017Date of Patent: June 1, 2021Assignee: SQUARE, INC.Inventor: Abhay Raj Kumar
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Patent number: 11017361Abstract: Integrating payment processing functionality into a third-party application via software development kit (SDK) instructions is described. In an example, a payment card reader can include reader instructions executable on the payment card reader to configure the payment card reader to read payment card data from a payment card and transmit the payment card data to a mobile device for processing by SDK instructions on the mobile device. The SDK instructions can be executable on the mobile device to configure the mobile device to process the payment card data from the payment card reader. The SDK instructions, which can be provided by a payment processor, can be configured to be integrated into a third-party application on the mobile device, wherein the third-party application is provided by an entity distinct from the payment processor.Type: GrantFiled: July 20, 2020Date of Patent: May 25, 2021Assignee: Square, Inc.Inventors: Jonathan Andrew Wolter, Pierre-Yves Ricau, Robert Dickerson
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Patent number: 11017369Abstract: Introduced is a technology for processing transactions on behalf of a merchant employing a legacy system, where the processing includes managing inventory data and bundle pricing data associated with transactions occurring at various point-of-sale (POS) devices that include both legacy and non-legacy POS devices. Briefly described, the technology involves a payment processing system (PPS) working in coordination with a legacy merchant system. The PPS includes a payment processing database system, a adapter module installed at the merchant system, and a payment processing engine installed at a cloud-based server system. The payment processing engine, via the adapter module, can receive the most up-to-date inventory data and bundle pricing rules from the legacy merchant system. Based on the bundle pricing rules, the payment processing engine can compute one or more minimum-price carts that apply pricing discounts to eligible items for transactions occurring at the POS device(s) associated with the PPS.Type: GrantFiled: April 29, 2015Date of Patent: May 25, 2021Assignee: Square, Inc.Inventors: Zachary Brock, Grace Huey Chen, Benjamin Hartard, Mark Jen, Kathryne Hollie Hawthorne
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Patent number: D924607Type: GrantFiled: July 23, 2019Date of Patent: July 13, 2021Assignee: Ten Square IncInventor: Feng-Jung Lo