Patents by Inventor Daniele Perito

Daniele Perito has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Publication number: 20240013205
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for discovery of and communication with nearby devices using direct radio signal communication. One of the methods includes receiving, by a payment service system, a message authorizing a payment from a user account to a merchant account, wherein the message was sent by a user device using direct radio signal communication to a nearby merchant device and forwarded to the payment service system by the merchant device. The message is decrypted to obtain a session token that authenticates the user device as being associated with the user account. If the session token is valid a payment transaction is conducted between the user account and the merchant account.
    Type: Application
    Filed: September 25, 2023
    Publication date: January 11, 2024
    Inventors: Daniele Perito, Shuvo Chatterjee, Nathan Spindel, Jesse Wilson
  • Publication number: 20230419294
    Abstract: In one embodiment, a method includes receiving, by a payment service system (PSS), a payment request from a payment application executing on a device of a sender. The payment request includes a recipient identifier corresponding to a recipient. The sender and recipient have financial accounts associated with the PSS. The method includes determining a similarity score based on a comparison of contact records associated with the device of the sender and contact records associated with a device of the recipient. The method includes, responsive to determining that the similarity score does not satisfy a threshold similarity score, transmitting a confirmation request to the device of the sender to confirm an identity of the recipient. The method includes receiving, from the device of the sender, an approval response to the confirmation request. The method includes, authorizing a payment transaction associated with the payment request based on the approval response.
    Type: Application
    Filed: September 5, 2023
    Publication date: December 28, 2023
    Applicant: Block, Inc.
    Inventors: Brian GRASSADONIA, Ayokunle OMOJOLA, Michael MORING, Robert ANDERSEN, Daniele PERITO, Kristopher STIPECH
  • Publication number: 20230377405
    Abstract: In some examples, a system and method for generating a payment instrument are described. The method includes receiving a unique signature that a recipient intends to associate with the payment instrument; verifying that the received feature meets an acceptability criterion; generating a representation of the received signature, wherein the representation is in a form capable of being physically associated with the payment instrument, and wherein association is established by embedding or exposing the representation on the payment instrument; and causing physical generation of the payment instrument having associated therewith the representation of the signature.
    Type: Application
    Filed: August 7, 2023
    Publication date: November 23, 2023
    Applicant: Block, Inc.
    Inventors: Ayokunle Omojola, Robert Andersen, Daniele Perito, Joachim Bekmann
  • Patent number: 11803841
    Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for discovery of and communication with nearby devices using direct radio signal communication. One of the methods includes receiving, by a payment service system, a message authorizing a payment from a user account to a merchant account, wherein the message was sent by a user device using direct radio signal communication to a nearby merchant device and forwarded to the payment service system by the merchant device. The message is decrypted to obtain a session token that authenticates the user device as being associated with the user account. If the session token is valid a payment transaction is conducted between the user account and the merchant account.
    Type: Grant
    Filed: March 16, 2018
    Date of Patent: October 31, 2023
    Assignee: Block, Inc.
    Inventors: Daniele Perito, Shuvo Chatterjee, Nathan Spindel, Jesse Wilson
  • Patent number: 11783314
    Abstract: In one embodiment, a method includes receiving, by a payment service system (PSS), a payment request from a payment application executing on a device of a sender. The payment request includes a recipient identifier corresponding to a recipient. The sender and recipient have financial accounts associated with the PSS. The method includes determining a similarity score based on a comparison of contact records associated with the device of the sender and contact records associated with a device of the recipient. The method includes, responsive to determining that the similarity score does not satisfy a threshold similarity score, transmitting a confirmation request to the device of the sender to confirm an identity of the recipient. The method includes receiving, from the device of the sender, an approval response to the confirmation request. The method includes, authorizing a payment transaction associated with the payment request based on the approval response.
    Type: Grant
    Filed: October 8, 2020
    Date of Patent: October 10, 2023
    Assignee: Block, Inc.
    Inventors: Brian Grassadonia, Ayokunle Omojola, Michael Moring, Robert Andersen, Daniele Perito, Kristopher Stipech
  • Publication number: 20230259927
    Abstract: In one embodiment, a payment service system-implemented method of assigning payment card numbers for individual user accounts associated with the payment service system includes receiving payment card numbers activated by a third-party server that are unassigned to accounts registered. The method includes receiving a first transaction authorization request for one of the payment card numbers and denying the request, without notifying the third-party server, based on the number being unregistered with the payment service system. The method includes receiving, via an executable application, a request to register a user account for a payment service system user, and in response, generating a record assigning the payment card number to the user account.
    Type: Application
    Filed: April 26, 2023
    Publication date: August 17, 2023
    Inventors: Brian Grassadonia, Michael Moring, Robert Andersen, Daniele Perito, Ayokunle Omojola
  • Publication number: 20230245099
    Abstract: In one aspect, a mobile device includes a secure subsystem configured to provide access to one or more of personal identifying information of a user of the mobile device and secure elements of the mobile device to applications native to an operating system of the mobile device and one or more third-party applications that are not native to the operating system of the mobile device. The mobile device further includes a normal subsystem in which third-party applications other than the one or more third-party applications operate, and a third-party payment processing application configured to operate in one of the secure subsystem or the normal subsystem, receive a request for authenticating a user for processing a transaction, access one or more of the secure elements of the mobile device for authenticating the user, and authenticate the user for processing the transaction using the one or more of the secure elements.
    Type: Application
    Filed: April 10, 2023
    Publication date: August 3, 2023
    Inventors: Brian Grassadonia, Ayokunle Omojola, Robert Andersen, Michael Moring, Daniele Perito
  • Patent number: 11694200
    Abstract: In one embodiment, a payment service system-implemented method of assigning payment card numbers for individual user accounts associated with the payment service system includes receiving a request, in the context of an authorization for a payment transaction, to assign a payment card number to a user account associated with a user of the payment service system. The method includes retrieving, from a database associated with the payment service system, an account record associated with the user account. The method includes determining that the user account is not associated with an active payment card number. The method includes identifying an unassigned payment card number and modifying the account record to assign the unassigned payment card number to the user account as an active payment card number. The method includes authorizing the payment transaction using the active payment card number, causing a modification to an account balance of the user account.
    Type: Grant
    Filed: March 5, 2021
    Date of Patent: July 4, 2023
    Assignee: Block, Inc.
    Inventors: Brian Grassadonia, Michael Moring, Robert Andersen, Daniele Perito, Ayokunle Omojola
  • Patent number: 11455858
    Abstract: In some examples, a system and method for activating a physical payment card are described. The method includes receiving from a mobile device of a user a request for a physical payment card and first state data indicating a state of the mobile device or an application executing on the mobile device at a time of the request. The physical payment card is mailed to the user. The mobile device reads an identifier on a surface of the container via a sensor of the mobile device and sends the identifier data and a second state data from the time of the reading. The identifier data is compared to a user identifier in a customer profile of the user and the second state data is determined to correspond to the first state data. The physical payment card is then automatically activated.
    Type: Grant
    Filed: July 9, 2020
    Date of Patent: September 27, 2022
    Assignee: Block, Inc.
    Inventors: Ayokunle Omojola, Robert Andersen, Daniele Perito, Joachim Bekmann
  • Publication number: 20210279993
    Abstract: In some examples, a system and method for generating a payment instrument are described. The method includes receiving a unique signature that a recipient intends to associate with the payment instrument; verifying that the received feature meets an acceptability criterion; generating a representation of the received signature, wherein the representation is in a form capable of being physically associated with the payment instrument, and wherein association is established by embedding or exposing the representation on the payment instrument; and causing physical generation of the payment instrument having associated therewith the representation of the signature.
    Type: Application
    Filed: March 3, 2021
    Publication date: September 9, 2021
    Inventors: Ayokunle Omojola, Robert Andersen, Daniele Perito, Joachim Bekmann
  • Publication number: 20210192502
    Abstract: In one embodiment, a payment service system-implemented method of assigning payment card numbers for individual user accounts associated with the payment service system includes receiving a request, in the context of an authorization for a payment transaction, to assign a payment card number to a user account associated with a user of the payment service system. The method includes retrieving, from a database associated with the payment service system, an account record associated with the user account. The method includes determining that the user account is not associated with an active payment card number. The method includes identifying an unassigned payment card number and modifying the account record to assign the unassigned payment card number to the user account as an active payment card number. The method includes authorizing the payment transaction using the active payment card number, causing a modification to an account balance of the user account.
    Type: Application
    Filed: March 5, 2021
    Publication date: June 24, 2021
    Inventors: Brian Grassadonia, Michael Moring, Robert Andersen, Daniele Perito, Ayokunle Omojola
  • Patent number: 10991191
    Abstract: In some examples, a system and method for generating a payment instrument are described. The method includes receiving a unique signature that a recipient intends to associate with the payment instrument; verifying that the received feature meets an acceptability criterion; generating a representation of the received signature, wherein the representation is in a form capable of being physically associated with the payment instrument, and wherein association is established by embedding or exposing the representation on the payment instrument; and causing physical generation of the payment instrument having associated therewith the representation of the signature.
    Type: Grant
    Filed: October 7, 2020
    Date of Patent: April 27, 2021
    Assignee: Square, Inc.
    Inventors: Ayokunle Omojola, Robert Andersen, Daniele Perito, Joachim Bekmann
  • Patent number: 10956906
    Abstract: Disclosed herein are systems and methods for real-time provisioning of new payment card numbers to users of a payment-service system, wherein the new payment card numbers are issued to users without activation or registration. By issuing payment card numbers in real-time and without registration, these systems and methods can provide a relatively frictionless experience for users. As such, these systems and methods can issue more payment card numbers, increase market penetration and use of the payment card numbers because the systems and methods are relatively efficient to use compared with prior methods of issuing payment card numbers.
    Type: Grant
    Filed: October 21, 2019
    Date of Patent: March 23, 2021
    Assignee: Square, Inc.
    Inventors: Brian Grassadonia, Michael Moring, Robert Andersen, Daniele Perito, Ayokunle Omojola
  • Publication number: 20210027270
    Abstract: In one embodiment, a method includes receiving, by a payment service system (PSS), a payment request from a payment application executing on a device of a sender. The payment request includes a recipient identifier corresponding to a recipient. The sender and recipient have financial accounts associated with the PSS. The method includes determining a similarity score based on a comparison of contact records associated with the device of the sender and contact records associated with a device of the recipient. The method includes, responsive to determining that the similarity score does not satisfy a threshold similarity score, transmitting a confirmation request to the device of the sender to confirm an identity of the recipient. The method includes receiving, from the device of the sender, an approval response to the confirmation request. The method includes, authorizing a payment transaction associated with the payment request based on the approval response.
    Type: Application
    Filed: October 8, 2020
    Publication date: January 28, 2021
    Inventors: Brian Grassadonia, Ayokunle Omojola, Michael Moring, Robert Andersen, Daniele Perito, Kristopher Stipech
  • Publication number: 20210019729
    Abstract: In some examples, a system and method for generating a payment instrument are described. The method includes receiving a unique signature that a recipient intends to associate with the payment instrument; verifying that the received feature meets an acceptability criterion; generating a representation of the received signature, wherein the representation is in a form capable of being physically associated with the payment instrument, and wherein association is established by embedding or exposing the representation on the payment instrument; and causing physical generation of the payment instrument having associated therewith the representation of the signature.
    Type: Application
    Filed: October 7, 2020
    Publication date: January 21, 2021
    Inventors: Ayokunle Omojola, Robert Andersen, Daniele Perito, Joachim Bekmann
  • Publication number: 20210019755
    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: Application
    Filed: October 6, 2020
    Publication date: January 21, 2021
    Inventors: Ayokunle Omojola, Sean Slinsky, Marcelo Cortes, Daniele Perito, Daniel Federman
  • Publication number: 20200394644
    Abstract: In one embodiment, a method includes, receiving, by a wallet application executing on a computing device, a user registration request from a user. The computing device includes a secure subsystem with secure elements and a secure operating system. The method includes sending the user registration request to a third-party payment application integrated with the wallet application. The third-party payment application is configured to execute within the secure subsystem based on a processor of the computing device being in a secure mode. The method includes receiving user registration information via a user interface generated based on instructions from the third-party payment application. The method includes providing the received user registration information to the third-party payment application in response to receiving authorization for the user registration request via the secure elements.
    Type: Application
    Filed: August 31, 2020
    Publication date: December 17, 2020
    Inventors: Brian Grassadonia, Ayokunle Omojola, Robert Andersen, Michael Moring, Daniele Perito
  • Publication number: 20200394641
    Abstract: In some examples, a system and method for generating a payment instrument are described. The method includes receiving a unique signature that a recipient intends to associate with the payment instrument; verifying that the received feature meets an acceptability criterion; generating a representation of the received signature, wherein the representation is in a form capable of being physically associated with the payment instrument, and wherein association is established by embedding or exposing the representation on the payment instrument; and causing physical generation of the payment instrument having associated therewith the representation of the signature.
    Type: Application
    Filed: July 9, 2020
    Publication date: December 17, 2020
    Inventors: Ayokunle Omojola, Robert Andersen, Daniele Perito, Joachim Bekmann
  • 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: 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