Patents Assigned to Square, Inc.
  • Patent number: 10089615
    Abstract: A point-of-sale system includes a stand that supports a tablet computer. The tablet computer can run a merchant application to provide the typical functionality for a point-of-sale system. The stand can be rotatable to face either the merchant or the customer. The stand can incorporate a card reader. The tablet computer can be connected through a hub to other peripheral components, such as a controllable cash drawer, a printer and/or a bar code reader. The cash drawer can include a slidable drawer having sliding rails that are hidden from a top view of the drawer.
    Type: Grant
    Filed: April 20, 2017
    Date of Patent: October 2, 2018
    Assignee: SQUARE, INC.
    Inventors: Troy Edwards, Lukas Skoog, Amish Babu, Jesse Dorogusker
  • Patent number: 10083443
    Abstract: A system and method for maintaining authentication of a user of a wearable device. The wearable device can include an electrical circuit, an accelerometer, a capacitive sensor, or other wearable detection module that can determine that the wearable device has been in continuous contact with, or continuous use by, the wearer. A first payment transaction can be initiated between the wearable device and a first payment terminal. A user credential is then received at either the wearable device or a mobile device coupled to the wearable device. The user credential is verified and the first payment transaction is authorized. A second payment transaction is then initiated between the wearable device and a second payment terminal. If the wearable device is determined to have been in continuous use by the user, then the second payment transaction can be completed without requiring re-authentication of the user.
    Type: Grant
    Filed: June 12, 2015
    Date of Patent: September 25, 2018
    Assignee: SQUARE, INC.
    Inventor: Rodion Steshenko
  • Patent number: 10083442
    Abstract: Several embodiments include a mobile device that uses a media file to render a passcode entry interface. The passcode entry interface can have an assigned location of an input element that corresponds to an inputtable value in the passcode entry interface. The media file can include a visual depiction having the input element at the assigned location. In several embodiments, the media file does not store the association between the assigned location and the inputtable value. The assigned location corresponding to the inputtable value can be separately stored. The mobile device can receive a coordinate of a touch event on the passcode entry interface. To determine a passcode entry based on the touch event, the coordinate can be compared against the separately stored assigned location to determine a corresponding input value to the coordinate.
    Type: Grant
    Filed: April 24, 2015
    Date of Patent: September 25, 2018
    Assignee: Square, Inc.
    Inventors: Oliver S. C. Quigley, Nathan McCauley, Bob Lee
  • Patent number: 10083437
    Abstract: A payment reader includes a contactless interface for communicating with a contactless device. The payment reader has a processor that executes instructions stored in memory, and the instructions include instructions for a plurality of firmware modules including a message dispatcher module and a plurality of functional modules. The functional modules generate messages and the message dispatcher module stores the messages in a queued data structure such as a stack or a queue. The messages are provided to the functional modules from the queued data structure. Some of the messages are timed messages that are returned to the queued data structure.
    Type: Grant
    Filed: February 24, 2016
    Date of Patent: September 25, 2018
    Assignee: Square, Inc.
    Inventor: Kshitiz Vadera
  • Patent number: 10083489
    Abstract: In some examples, a payment service may enable employees to be paid after every work shift. After a payroll payment for a first work shift, however, corrections to the amount of the payroll payment may be provided by the employer. When corrections reveal that an overpayment has occurred, at least a portion of the overpayment is deducted from the payroll payment for a second work shift that is subsequent to the first work shift. In some cases, the entire overpayment may be deducted from the payroll payment for the second work shift. In other cases, the overpayment may be deducted in installments from each of multiple subsequent payroll payments, which correspond respectively to work shifts that are subsequent to the first work shift.
    Type: Grant
    Filed: January 7, 2015
    Date of Patent: September 25, 2018
    Assignee: Square, Inc.
    Inventors: Amir Nathoo, James Colin Brady, Caroline Hollis, Connor H. Dunn
  • Patent number: 10078839
    Abstract: This disclosure describes, in part, techniques for storing transaction data at a central service, and techniques for querying information associated with the data from the central service when authorizing payment instruments for transactions. For instance, a central service may receive historical transaction data from multiple payment services that authorize payment instruments for merchants, and then store the historical transaction data in one or more databases. A payment service may then receive a request to authorize a payment instrument for a transaction between a merchant and a customer. Based on receiving the request, the payment service can send the central service a message that includes a query for information associated with historical transaction data corresponding to the payment instrument. In response, the payment service can receive the information from the central service and authorize the payment instrument using the information.
    Type: Grant
    Filed: August 30, 2017
    Date of Patent: September 18, 2018
    Assignee: Square, Inc.
    Inventors: Brian Mullins, Fredrick Lee, Timothy Yip
  • Patent number: 10078820
    Abstract: This disclosure describes techniques and arrangements for splitting one or more items from a ticket to another ticket. Some techniques and arrangements facilitate the splitting of one or more items from an open ticket to one or more split tickets. In some implementations, a foster ticket is utilized to account for items associated with split tickets. Other techniques and arrangements include providing split ticket suggestions. In some implementations, split ticket suggestions are provided based on historical ticket information and/or customer information.
    Type: Grant
    Filed: December 31, 2015
    Date of Patent: September 18, 2018
    Assignee: Square, Inc.
    Inventors: Christopher Philip Renke, Justin Brunet
  • Patent number: 10068215
    Abstract: A payment processing system for mobile point-of-sale transactions from a mobile point of sale terminal including a payment card reader having a card interface configured to read data from a payment card, the payment processing system includes an automated support system for proactively generating and presenting support messages for merchants using a mobile point-of-sale terminal. The automated support system generates the support message using a current account context for the merchant account and a plurality of rules that indicate a problem with the merchant account. The automated support system is further configured to generate a plurality of rules for detecting merchant account problems using a knowledge database of support tickets that include a human generated response to a merchant account problem and a corresponding merchant account context at the time of the human generated response.
    Type: Grant
    Filed: November 13, 2014
    Date of Patent: September 4, 2018
    Assignee: Square, Inc.
    Inventors: Nathan Rosenthal, Tyler Kovacs, Michael Smith
  • Patent number: 10068235
    Abstract: An automated purchase transaction analyzes a purchase transaction using a probability model to determine a probability that the transaction is fraudulent. If the probability exceeds a threshold, the transaction may be manually reviewed to determine whether to freeze the account associated with the transaction. When introducing the model, the threshold may be set to a relatively high value so that a small number of transactions are submitted for manual review. After a period of time, the observed freeze rate resulting from manual reviews is compared to a target freeze rate. The threshold is then adjusted upwardly or downwardly to decrease the difference between the observed and target freeze rates.
    Type: Grant
    Filed: June 14, 2016
    Date of Patent: September 4, 2018
    Assignee: Square, Inc.
    Inventors: Brian Boates, Rensheng Zhou, Melissa Dalis
  • Patent number: 10068550
    Abstract: A point-of-sale system includes a computing device, such as a mobile phone or tablet, and a payment object reader communicatively coupled to the computing device that is used to acquire data from a payment object reader. The payment object reader includes an optical output device. The brightness of the optical output device is controlled by the payment object reader depending on the brightness of the computing device coupled to the payment object reader. The brightness level of the optical output device of the payment object reader, which can be a near field communication (NFC) signal strength indicator having four light-emitting-diodes (LEDs), is coordinated to the brightness level of the computing device.
    Type: Grant
    Filed: March 28, 2017
    Date of Patent: September 4, 2018
    Assignee: SQUARE, INC.
    Inventor: Grace Huey Chen
  • Patent number: 10068223
    Abstract: A payment terminal can have an application processing unit coupled to a transaction processing unit. The transaction processing unit can receive payment information from a payment device via a payment interface coupled to the transaction processing unit. The transaction processing unit can encrypt the payment information in accordance with a standard payment protocol and provide the encrypted payment information and other protocol dependent information to the application processing unit. The application processing unit can execute a point-of-sale application that can have the transaction processing unit acquire the payment information and have the application processing unit transmit the encrypted payment information and other protocol-dependent information from the transaction processing unit to a payment server.
    Type: Grant
    Filed: December 18, 2017
    Date of Patent: September 4, 2018
    Assignee: Square, Inc.
    Inventors: Afshin Rezayee, Yue Yang, Jesse Wilson, Kevin Ng
  • Patent number: 10068272
    Abstract: Methods, computer program products, and systems for pickup orders. A customer device receives an input from a customer selecting one or more items to purchase from a merchant. A list of the selected items can be routed, directly or through a server, to a merchant device of the merchant. The server can provide an identity verification record of the customer to the merchant device. The customer can arrive at the merchant device and request to pick up the selected items. The merchant device, upon receiving an input from the merchant indicating that the customer is authenticated using the identity verification record, approves the purchase and submits price of the selected items to the server for processing.
    Type: Grant
    Filed: September 26, 2014
    Date of Patent: September 4, 2018
    Assignee: SQUARE, INC.
    Inventors: Ajit Kalidindi Varma, Jesse Reiss, Nathan Spindel
  • Publication number: 20180247084
    Abstract: Processor system with a general purpose processor and a cryptographic processor dedicated to performing cryptographic operations and enforcing the security of critical security parameters. The cryptographic processor prevents exposure of critical security parameters outside the cryptographic processor itself, and instead implements a limited scripting engine, which can be used by the general purpose processor to execute operations that require the critical security parameters.
    Type: Application
    Filed: December 29, 2017
    Publication date: August 30, 2018
    Applicant: Square, Inc.
    Inventors: Malcolm Ronald Smith, Kshitiz Vadera, Mark Phillip Zagrodney, Kevin Ka Wai Ng, Afshin Rezayee
  • Patent number: 10062078
    Abstract: An automated purchase transaction service implements a two-phase analysis to identify suspect transactions and to freeze merchant accounts associated with certain of the suspect transactions. In a first analysis phase, a transaction is analyzed using a first predictive model to determine a probability that the transaction is fraudulent. If the probability exceeds a first threshold, the transaction is further analyzed in a second phase. In the second analysis phase, the transaction is analyzed using a second predictive model to determine a probability that manual review by a human analyst will result in freezing the associated account. If the probability exceeds a second threshold, the transaction is automatically frozen. If the probability does not exceed the second threshold, the transaction is submitted to a human analyst for manual review.
    Type: Grant
    Filed: June 14, 2016
    Date of Patent: August 28, 2018
    Assignee: Square, Inc.
    Inventors: Brian Boates, Rensheng Zhou, Melissa Dalis
  • Patent number: 10062109
    Abstract: A payment system can determine when a business need for a merchant is expected to occur. The payment system can also determine whether the merchant is eligible for financing for a financing amount. Once a determination is made that the merchant is eligible for the financing, the payment system can send the merchant a notification describing the expected business need along with an offer for the financing, which may be presented in an interface on a merchant device. The merchant can accept the offer for the financing by sending an acceptance to the payment system. Upon accepting the offer, the merchant is provided the financing amount, for example, in the form of an electronic deposit in a financial account of the merchant.
    Type: Grant
    Filed: October 5, 2017
    Date of Patent: August 28, 2018
    Assignee: SQUARE, INC.
    Inventors: Ariana Poursartip, John Bryan Scott, Kevin Teh
  • Patent number: 10062074
    Abstract: Techniques and arrangements for improving card on file transactions are described. For instance, a payment service may receive, from one or more merchant devices, transaction information associated with at least one transaction between a merchant and a customer, where the transaction information includes at least payment information of a payment instrument used during respective transactions. The payment service may then analyze the transaction information to compute a value associated with a transaction characteristic as indicated by the transaction information, determine that the value exceeds a threshold value, and, based on determining that the value exceeds the threshold value, send the customer a message requesting that the customer store the payment information with the merchant. The value associated with the transaction characteristic can include a total number of transactions, a total cost of transactions, or a frequency associated with the transactions between the merchant and the customer.
    Type: Grant
    Filed: November 30, 2016
    Date of Patent: August 28, 2018
    Assignee: Square, Inc.
    Inventor: Philip Zigoris
  • Publication number: 20180240117
    Abstract: A payment processing device can implement a monitoring system to detect for tamper attempts at a chip card interface. The monitoring system can establish a baseline when no chip card is present in the chip card interface, or in some embodiments, when it is known that an authentic chip card 14 is present in the slot 21. During subsequent evaluations of the chip card interface by the monitoring system, a response received by the monitoring system that deviates from the baseline can indicate that a tamper attempt at the chip card interface may have occurred. If a tamper attempt is determined by the monitoring system, a remedial or corrective action can be taken.
    Type: Application
    Filed: February 22, 2017
    Publication date: August 23, 2018
    Applicant: Square, Inc.
    Inventors: Afshin Rezayee, Malcolm Smith, Yue Yang, Jeremy Wade, Max Guise, Kamran Sharifi
  • Publication number: 20180240103
    Abstract: A payment processing device can implement a monitoring system to detect for tamper attempts at a physical interface such as a chip card interface. The monitoring system can establish local tamper criteria including a baseline when no chip card is present in the chip card interface, or in some embodiments, when it is known that an authentic chip card is present in the slot. During subsequent evaluations of the chip card interface by the monitoring system, a response received by the monitoring system that deviates from the local test criteria can indicate that a tamper attempt at the chip card interface may have occurred. The payment processing device may also communicate test results to a server for further testing, or for an update of the local test criteria.
    Type: Application
    Filed: February 22, 2017
    Publication date: August 23, 2018
    Applicant: Square, Inc.
    Inventors: Afshin Rezayee, Malcolm Smith, Yue Yang, Jeremy Wade, Max Guise, Kamran Sharifi
  • Patent number: 10055769
    Abstract: Described is technology for automatic generation of an invoice for transactions initiated by a provider of goods and/or services with merchants, where the invoice is automatically populated with details of the transactions collected from respective point-of-sale (POS) systems of the merchants. In at least some embodiments, the invoice technology involves communication of transaction data between an application installed on a merchant POS system and a payment service system (PSS). Upon completion of a transaction initiated at the POS system, the PSS automatically allocates the transaction to a particular invoice based on an identifier included in the transaction data. The PSS then populates the invoice with item-level data of items in the transaction, and generates the populated invoice for the provider (e.g., to view and/or to send to appropriate client(s)). In some instances, the PSS provides an invoice dashboard that enables the provider to edit a generated invoice.
    Type: Grant
    Filed: April 30, 2015
    Date of Patent: August 21, 2018
    Assignee: Square, Inc.
    Inventors: Matthew Allen Todd, Mathew Wilson, Douglas Justin Shearer
  • Patent number: 10055722
    Abstract: Techniques and arrangements for transitioning point-of-sale (POS) devices between online and offline modes. In some instances, the techniques instruct a POS device to transition from an online mode to an offline mode based on a volume of transactions on the POS device within a certain time period, based on an increase in the rate of transactions occurring on the POS device, or based on anticipating a rise in the number of transactions on the POS device for other reasons.
    Type: Grant
    Filed: May 21, 2014
    Date of Patent: August 21, 2018
    Assignee: Square, Inc.
    Inventors: Grace Huey Chen, Christopher Lang Mocko, Michael Wells White