Patents Assigned to Square, Inc.
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Patent number: 10852151Abstract: Geo-fences may be dynamically reconfigured to identify merchants that may be of particular interest to users. In some instances, a geo-fence may be defined for a particular user based on a variety of information, in order to identify merchants that may be of interest to the user and that are located within proximity to the user. The geo-fence may be defined based on purchase history, places that are frequented by the user, a mode of transportation, a navigation or transportation route, user preferences, and/or a variety of other information. Information regarding the identified merchants may be displayed or otherwise output to notify the user of nearby merchants that may be of interest.Type: GrantFiled: December 12, 2014Date of Patent: December 1, 2020Assignee: SQUARE, INC.Inventors: James F. Butts, III, Daniel Hipschman
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Patent number: 10853763Abstract: Techniques for onboarding new service providers based on portable service provider attributes are described. In an example, a server computing device may determine service provider attribute(s) of a service provider associated with a first merchant and associate the service provider attribute(s) with a data entry corresponding to an identifier of the service provider in a database. The server computing device may subsequently receive, from a point-of-sale device operated by a second merchant, identification data associated with the service provider and may determine the identifier of the service provider based on the identification data. Based on the identifier, the server computing device may access the service provider attribute(s) associated with the service provider from the database and may update a second merchant service inventory associated with the second merchant based on the service provider attribute(s) of the service provider.Type: GrantFiled: March 29, 2017Date of Patent: December 1, 2020Assignee: Square, Inc.Inventors: Aaron Armstrong, Rajat Mittal, Neha Karajgikar, Prashant Prabhu
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Patent number: 10832307Abstract: This disclosure describes, in part, techniques for analyzing and updating merchants' data structures. For instance, a payment service may store data structures associated with merchants, where each data structure indicates items that a respective merchant offers for acquisition. The payment service may then analyze at least a first data structure to determine first items offered for acquisition by a first merchant and a second data structure to determine second items offered for acquisition by a second merchant. Based on the first items and the second items, the payment service may determine an item to recommend to the second merchant. The payment service may then generate and send a message to a merchant device of the second merchant, where the message recommends that the second merchant offer the item for acquisition. In some instances, the first merchant and the second merchant are each associated with a specific type of business.Type: GrantFiled: March 1, 2017Date of Patent: November 10, 2020Assignee: Square, Inc.Inventors: Roger Reyelts, Travis Schmeisser, John Joseph LaBanca, Jr., Cynthia Lobb
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Patent number: 10820138Abstract: 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: GrantFiled: April 27, 2018Date of Patent: October 27, 2020Assignee: SQUARE, INC.Inventors: Shuvo Chatterjee, William Henderson, Nathan Spindel, Scott Charles Perry
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Patent number: 10817881Abstract: 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: GrantFiled: March 4, 2019Date of Patent: October 27, 2020Assignee: Square, Inc.Inventor: William Henderson
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Patent number: 10817869Abstract: 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: GrantFiled: June 29, 2016Date of Patent: October 27, 2020Assignee: Square, Inc.Inventors: David Terra, Koun Han, Michael Wells White, Michael Dahn
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Patent number: 10817853Abstract: 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: GrantFiled: September 28, 2018Date of Patent: October 27, 2020Assignee: Square, Inc.Inventors: Christopher Michael Brock, Brian Grassadonia, Michael Moring
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Patent number: 10819528Abstract: 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: GrantFiled: December 15, 2017Date of Patent: October 27, 2020Assignee: Square, Inc.Inventors: Kamran Sharifi, Afshin Rezayee, Jeremy Wade, Yue Yang, Max Joseph Guise, Bertram Leesti
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Patent number: 10810569Abstract: 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: GrantFiled: January 30, 2017Date of Patent: October 20, 2020Assignee: Square, Inc.Inventors: Brian Grassadonia, Ayokunle Omojola, Michael Moring, Robert Andersen, Daniele Perito, Kristopher Stipech
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Patent number: 10810682Abstract: 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: GrantFiled: January 21, 2014Date of Patent: October 20, 2020Assignee: Square, Inc.Inventors: Dustin Moring, Brian Grassadonia, Lauren A. Myrick, David W. Maxwell
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Patent number: 10810574Abstract: 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: GrantFiled: June 29, 2017Date of Patent: October 20, 2020Assignee: Square, Inc.Inventors: Jesse Wilson, Terrill Dent
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Patent number: 10810650Abstract: 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: GrantFiled: March 29, 2019Date of Patent: October 20, 2020Assignee: Square, Inc.Inventors: Abhay Kumar, Dan Hipschman, Rong Yan, John Berian James, Gian Perrone, Mai Leduc
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Patent number: 10810592Abstract: 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: GrantFiled: November 19, 2015Date of Patent: October 20, 2020Assignee: Square, Inc.Inventors: Ayokunle Omojola, Daniel Federman, Sean Slinsky, Daniele Perito, Marcelo Cortes
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Patent number: 10809564Abstract: 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: GrantFiled: November 28, 2018Date of Patent: October 20, 2020Assignee: Square, Inc.Inventor: Emad Bidari
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Patent number: 10808321Abstract: 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: GrantFiled: March 20, 2018Date of Patent: October 20, 2020Assignee: Graphene Square Inc.Inventors: Byung Hee Hong, Young Jin Kim, Jaeboong Choi, Hyeong Keun Kim, Junmo Kang, Su Kang Bae
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Patent number: 10810570Abstract: 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: GrantFiled: September 30, 2019Date of Patent: October 20, 2020Assignee: Square, Inc.Inventors: Jeremy Martin, Mani Razaghi Kashani, Nicholas Kunst, Brett Andler, Steven Stallion, Rowan Schultz, Yenliang Chen, Cory Douthat
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Patent number: 10803461Abstract: 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: GrantFiled: September 30, 2016Date of Patent: October 13, 2020Assignee: Square, Inc.Inventors: Shane Hamilton, Todd Aument, Andrew Leiserson
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Patent number: 10803418Abstract: 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: GrantFiled: March 9, 2017Date of Patent: October 13, 2020Assignee: Square, Inc.Inventors: Claudia Ng, John Lewis
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Patent number: 10796363Abstract: 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: GrantFiled: November 15, 2017Date of Patent: October 6, 2020Assignee: SQUARE, INC.Inventors: Audrey Kim, Theodore Mao
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Patent number: 10783508Abstract: 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: GrantFiled: April 29, 2016Date of Patent: September 22, 2020Assignee: Square, Inc.Inventors: Bruce Bell, Gerald Thomas Knight, Jared Travis Marr