Patents by Inventor Edward Ruder
Edward Ruder 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).
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Publication number: 20230351409Abstract: A service provider that provides a plurality of merchant services can obtain first merchant information associated with a plurality of merchants registered with the service provider. The service provider can obtain intent data associated with the merchants indicating merchant service(s) that individual merchants of the plurality of merchants use or indicated interest in using during onboarding with the service provider. A machine learning model can be trained using the first merchant information and the intent data. The service provider can receive an indication that a potential merchant has initiated an onboarding process with the service provider. The service provider can determine second merchant information associated with the potential merchant and, based at least in part on the second merchant information and the machine learning model, can determine merchant service(s) of the service provider that the potential merchant is predicted to intend to use.Type: ApplicationFiled: July 10, 2023Publication date: November 2, 2023Inventors: Katherine Brennan, Bruce Bell, Brian Stegall, Matthew O'Connor, Timothy Donnelly, Jared Travis Marr, Christopher Cosgrove, Edward Ruder, Allyson Schrader
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Publication number: 20230316255Abstract: In an example, a method can include receiving, at a merchant-facing portion of a payment system, data from a customer-facing portion of the payment system indicating a payment transaction between a merchant and a customer, wherein there is a physical connection between the portions; determining that the payment system is unable to access a remote payment service system via an external network; determining that the payment transaction is not preapproved for payment by the remote payment service system; storing the payment transaction on the merchant-facing portion even though the payment transaction is not preapproved; determining that the payment system is able to access the remote payment service system via the external network; and transmitting transaction information including the stored payment transaction to the remote payment service system, via the external network, for processing the stored payment transaction.Type: ApplicationFiled: April 25, 2023Publication date: October 5, 2023Inventors: Edward Ruder, James Puls, Mehdi Mulani, Shawn Morel, Grace Huey Chen, Christopher Clark, J. Bryan Scott, Eric Monti
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Patent number: 11720905Abstract: Intelligent merchant onboarding is described. A service provider can determine first directive(s) that were presented to one or more first potential merchants that completed an onboarding process with the service provider and second directive(s) that were presented to one or more second potential merchants that did not complete the onboarding process. The service provider can train a data model based at least partly on the first directive(s) or the second directive(s), Based at least partly on receiving an indication that a potential merchant initiates the onboarding process, the service provider can determine information associated with the potential merchant. Based at least partly on the data model and the information, the service provider can intelligently determine an order that one or more directives are to be presented to the potential merchant such that a first directive of the first directive(s) is presented prior to a second directive of the second directive(s).Type: GrantFiled: May 26, 2022Date of Patent: August 8, 2023Assignee: Block, Inc.Inventors: Katherine Brennan, Bruce Bell, Brian Stegall, Matthew O'Connor, Timothy Donnelly, Jared Travis Marr, Christopher Cosgrove, Edward Ruder, Allyson Schrader
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Patent number: 11669826Abstract: Techniques associated with a customer-facing device and a merchant-facing device are described herein. In an example, a system can include a customer-facing device configured with a customer application that is executable on an operating system of the customer-facing device to (i) display information to a customer and (ii) receive input from the customer, wherein the customer-facing device includes a payment reader to read payment data from a payment instrument in association with a payment transaction between the customer and a merchant, and a merchant-facing device configured with a merchant application that is executable on an operating system of the merchant-facing device to (i) display information to the merchant and (ii) receive input from the merchant. In at least one example, the customer-facing device and the merchant-facing device can communicate to process, at least in part, the payment transaction associated with the payment instrument via a remote payment service system.Type: GrantFiled: August 31, 2022Date of Patent: June 6, 2023Assignee: Block, Inc.Inventors: Edward Ruder, James Puls, Mehdi Mulani, Shawn Morel, Grace Huey Chen, Christopher Clark, J. Bryan Scott, Eric Monti
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Publication number: 20220414635Abstract: Techniques associated with a customer-facing device and a merchant-facing device are described herein. In an example, a system can include a customer-facing device configured with a customer application that is executable on an operating system of the customer-facing device to (i) display information to a customer and (ii) receive input from the customer, wherein the customer-facing device includes a payment reader to read payment data from a payment instrument in association with a payment transaction between the customer and a merchant, and a merchant-facing device configured with a merchant application that is executable on an operating system of the merchant-facing device to (i) display information to the merchant and (ii) receive input from the merchant. In at least one example, the customer-facing device and the merchant-facing device can communicate to process, at least in part, the payment transaction associated with the payment instrument via a remote payment service system.Type: ApplicationFiled: August 31, 2022Publication date: December 29, 2022Inventors: Edward Ruder, James Puls, Mehdi Mulani, Shawn Morel, Grace Huey Chen, Christopher Clark, J. Bryan Scott, Eric Monti
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Publication number: 20220398600Abstract: Intelligent merchant onboarding is described. A service provider can determine first directive(s) that were presented to one or more first potential merchants that completed an onboarding process with the service provider and second directive(s) that were presented to one or more second potential merchants that did not complete the onboarding process. The service provider can train a data model based at least partly on the first directive(s) or the second directive(s), Based at least partly on receiving an indication that a potential merchant initiates the onboarding process, the service provider can determine information associated with the potential merchant. Based at least partly on the data model and the information, the service provider can intelligently determine an order that one or more directives are to be presented to the potential merchant such that a first directive of the first directive(s) is presented prior to a second directive of the second directive(s).Type: ApplicationFiled: May 26, 2022Publication date: December 15, 2022Inventors: Katherine Brennan, Bruce Bell, Brian Stegall, Matthew O'Connor, Timothy Donnelly, Jared Travis Marr, Christopher Cosgrove, Edward Ruder, Allyson Schrader
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Patent number: 11475431Abstract: Techniques associated with a customer-facing device and a merchant-facing device are described herein. In an example, a system can include a customer-facing device configured with a customer application that is executable on an operating system of the customer-facing device to (i) display information to a customer and (ii) receive input from the customer, wherein the customer-facing device includes a payment reader to read payment data from a payment instrument in association with a payment transaction between the customer and a merchant, and a merchant-facing device configured with a merchant application that is executable on an operating system of the merchant-facing device to (i) display information to the merchant and (ii) receive input from the merchant. In at least one example, the customer-facing device and the merchant-facing device can communicate to process, at least in part, the payment transaction associated with the payment instrument via a remote payment service system.Type: GrantFiled: November 12, 2019Date of Patent: October 18, 2022Assignee: Block, Inc.Inventors: Edward Ruder, James Puls, Mehdi Mulani, Shawn Morel, Grace Chen, Christopher R. Clark, J. Bryan Scott, Eric Monti
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Patent number: 11348119Abstract: Intelligent merchant onboarding is described. A service provider can determine first directive(s) that were presented to one or more first potential merchants that completed an onboarding process with the service provider and second directive(s) that were presented to one or more second potential merchants that did not complete the onboarding process. The service provider can train a data model based at least partly on the first directive(s) or the second directive(s). Based at least partly on receiving an indication that a potential merchant initiates the onboarding process, the service provider can determine information associated with the potential merchant. Based at least partly on the data model and the information, the service provider can intelligently determine an order that one or more directives are to be presented to the potential merchant such that a first directive of the first directive(s) is presented prior to a second directive of the second directive(s).Type: GrantFiled: October 18, 2017Date of Patent: May 31, 2022Assignee: Block, Inc.Inventors: Katherine Brennan, Bruce Bell, Brian Stegall, Matthew O'Connor, Timothy Donnelly, Jared Travis Marr, Christopher Cosgrove, Edward Ruder, Allyson Schrader
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Publication number: 20200082376Abstract: Techniques associated with a customer-facing device and a merchant-facing device are described herein. In an example, a system can include a customer-facing device configured with a customer application that is executable on an operating system of the customer-facing device to (i) display information to a customer and (ii) receive input from the customer, wherein the customer-facing device includes a payment reader to read payment data from a payment instrument in association with a payment transaction between the customer and a merchant, and a merchant-facing device configured with a merchant application that is executable on an operating system of the merchant-facing device to (i) display information to the merchant and (ii) receive input from the merchant. In at least one example, the customer-facing device and the merchant-facing device can communicate to process, at least in part, the payment transaction associated with the payment instrument via a remote payment service system.Type: ApplicationFiled: November 12, 2019Publication date: March 12, 2020Inventors: Edward Ruder, James Puls, Mehdi Mulani, Shawn Morel, Grace Chen, Christopher R. Clark, J. Bryan Scott, Eric Monti
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Patent number: 10496977Abstract: Method, systems, and apparatus for a method of processing a payment transaction using a mobile device of a merchant. In one aspect, determining the mobile device does not have a connection to an external network; receiving data indicating a payment transaction between a customer and the merchant; determining whether the payment transaction should be stored, where the determining is based on a risk heuristic model that considers one or more of the following: a number of already stored transactions, a value of the payment transaction, a total value, where the total value is a sum of the value of the payment transaction and values of one or more already stored transactions, and risk factors associated with the customer; and based at least on the determination, storing the payment transaction on the mobile device for future processing.Type: GrantFiled: March 12, 2013Date of Patent: December 3, 2019Assignee: Square, Inc.Inventors: Edward Ruder, James Puls, Mehdi Mulani, Shawn Morel, Grace Chen, Christopher R. Clark, J. Bryan Scott, Eric Monti
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Publication number: 20140019340Abstract: Method, systems, and apparatus for a method of processing a payment transaction using a mobile device of a merchant. In one aspect, determining the mobile device does not have a connection to an external network; receiving data indicating a payment transaction between a customer and the merchant; determining whether the payment transaction should be stored, where the determining is based on a risk heuristic model that considers one or more of the following: a number of already stored transactions, a value of the payment transaction, a total value, where the total value is a sum of the value of the payment transaction and values of one or more already stored transactions, and risk factors associated with the customer; and based at least on the determination, storing the payment transaction on the mobile device for future processing.Type: ApplicationFiled: March 12, 2013Publication date: January 16, 2014Applicant: Square, Inc.Inventors: Edward Ruder, James Puls, Mehdi Mulani, Shawn Morel, Grace Chen, Christopher R. Clark, J. Bryan Scott, Eric Monti