Patents by Inventor Nathan Spindel
Nathan Spindel 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: 20240013205Abstract: 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: ApplicationFiled: September 25, 2023Publication date: January 11, 2024Inventors: Daniele Perito, Shuvo Chatterjee, Nathan Spindel, Jesse Wilson
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Patent number: 11829964Abstract: The disclosed technique enables a payer who uses a payment object to pay for goods or services to specify, by using a mobile device, how the payment amount should be apportioned the payer and additional payers. In certain embodiments, the technique involves communication between a mobile payment application installed on the payer's mobile device and a remote payment service system (PSS). The payment amount is transferred from the payer to the payee. The mobile payment application enables the payer to identify additional payers and specify how the payment amount should be apportioned between the payers. The mobile payment application communicates this information to the PSS, which then executes or triggers reimbursement to the payer to carry out the specified apportionment.Type: GrantFiled: June 1, 2022Date of Patent: November 28, 2023Assignee: Block, Inc.Inventors: Nathan Spindel, Shawn Morel, Nefaur Rahman Khandker
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Patent number: 11803841Abstract: 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: GrantFiled: March 16, 2018Date of Patent: October 31, 2023Assignee: Block, Inc.Inventors: Daniele Perito, Shuvo Chatterjee, Nathan Spindel, Jesse Wilson
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Publication number: 20230169487Abstract: Aspects of the present disclosure are directed to method for facilitating a transaction between a service provider and a customer using an online payment platform. The method includes receiving a request from a customer's device to enter into a transaction with a service provider and receiving a request from a service provider's device to process a cardless payment transaction for the transaction. The method further includes determining a tipping process to be applied to the transaction whereby an automatically determined tip amount or a manually determined tip amount is added to the transaction. The processing of the transaction is delayed until the automatically determined or the manual tip amount is added to the transaction. The cardless payment including the tip amount is then processed and a confirmation thereof is communicated to the respective devices of the customer and the service provider.Type: ApplicationFiled: January 13, 2023Publication date: June 1, 2023Inventors: Shahrouz Tavakoli, Nathan Spindel, William Henderson, Alan Fineberg, Nefaur Khandker, Christopher Clark
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Patent number: 11574296Abstract: A computer-implemented method for facilitating a merchant transaction comprises providing a list of one or more merchants that are in geographic proximity to a geolocation of a payer, and receiving a request from the payer to conduct a transaction with a merchant among the one or more merchants. The request can be received by a computer system programmed to facilitate the transaction. The transaction can then be processed with the aid of the computer system. A tip selection, which can include a tip amount, can be applied to the transaction. In some cases the tip selection is received from the payer as a selectable option. In other cases, the tip selection is automatically applied to the transaction without involvement from the payer during or upon the termination of the transaction.Type: GrantFiled: November 16, 2018Date of Patent: February 7, 2023Assignee: Block, Inc.Inventors: Shahrouz Tavakoli, Nathan Spindel, William Henderson, Alan Fineberg, Nefaur Khandker, Christopher Clark
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Publication number: 20220292472Abstract: The disclosed technique enables a payer who uses a payment object to pay for goods or services to specify, by using a mobile device, how the payment amount should be apportioned the payer and additional payers. In certain embodiments, the technique involves communication between a mobile payment application installed on the payer's mobile device and a remote payment service system (PSS). The payment amount is transferred from the payer to the payee. The mobile payment application enables the payer to identify additional payers and specify how the payment amount should be apportioned between the payers. The mobile payment application communicates this information to the PSS, which then executes or triggers reimbursement to the payer to carry out the specified apportionment.Type: ApplicationFiled: June 1, 2022Publication date: September 15, 2022Inventors: Nathan Spindel, Shawn Morel, Nefaur Rahman Khandker
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Patent number: 11410139Abstract: The disclosed technique enables a consumer who uses a payment object to pay for goods or services to specify, by using a mobile device, how the transaction amount should be apportioned among multiple payers. In certain embodiments, the technique involves communication between a mobile payment application installed on the consumer's mobile device and a remote payment service system (PSS). The mobile payment application enables the user to specify how many payers there are, who the payers are, and exactly how the transaction amount should be apportioned among the payers. The mobile payment application communicates this information to the PSS, which then executes or triggers reimbursement to carry out the specified apportionment.Type: GrantFiled: April 12, 2020Date of Patent: August 9, 2022Assignee: Block, Inc.Inventors: Nathan Spindel, Nefaur Rahman Khandker, Shawn Morel
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Patent number: 10929847Abstract: A technique for providing a pay-by-name payment experience is disclosed. A point-of-sale (POS) system at a store receives information identifying an account with a central server from a payment card using a short-range wireless technology. In response to that, it obtains information regarding the account, including a person's name associated with the account, using the received information. It also accepts a name from a specific consumer in the vicinity. At this point, it determines whether the name accepted from the specific consumer and the name associated with the account are identical. If it determines that the two names are identical, it checks-in the consumer to the store.Type: GrantFiled: May 6, 2019Date of Patent: February 23, 2021Assignee: Square, Inc.Inventors: Thomas Templeton, Nathan Spindel, Paul Aaron, Jesse L. Dorogusker
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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: 10692088Abstract: In some examples, a computer system may receive transaction information for transactions between card users and a payee that may include transaction card information from a plurality of read events of a plurality of transaction cards at the payee's card reader. In association with the plurality of read events, the system may receive location information of a plurality of mobile devices, each mobile device being associated respectively with one of the plurality of transaction cards in a data structure maintained by the computer system. For instance, the location information for each mobile device may be indicative of a location of the mobile device at a time of a corresponding read event of an associated transaction card. The system may determine an approximate location of the card reader based on the location information of the plurality of mobile devices.Type: GrantFiled: January 18, 2019Date of Patent: June 23, 2020Assignee: SQUARE, INC.Inventors: Nathan Spindel, Shawn Morel, Nefaur Rahman Khandker
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Patent number: 10621563Abstract: The disclosed technique enables a consumer who uses a payment object to pay for goods or services to specify, by using a mobile device, how the transaction amount should be apportioned among multiple payers. In certain embodiments, the technique involves communication between a mobile payment application installed on the consumer's mobile device and a remote payment service system (PSS). The mobile payment application enables the user to specify how many payers there are, who the payers are, and exactly how the transaction amount should be apportioned among the payers. The mobile payment application communicates this information to the PSS, which then executes or triggers reimbursement to carry out the specified apportionment.Type: GrantFiled: January 7, 2014Date of Patent: April 14, 2020Assignee: Square, Inc.Inventors: Nathan Spindel, Nefaur Rahman Khandker, Shawn Morel
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Publication number: 20190355034Abstract: Data describing a purchase order to be prepared by a merchant and an expected arrival time of a user for arriving at a geographic location of the merchant can be received. An order preparation time for the purchase order based on the one or more items specified in the purchase order can be determined. The order preparation time can be a time needed by the merchant to prepare the purchase order. An order start time based on the order preparation time for the purchase order and on the expected arrival time can be determined. The order start time can be a time for beginning preparation of the purchase order to have the purchase order ready at the expected arrival time. The data describing the purchase order and the order start time can be presented.Type: ApplicationFiled: May 29, 2019Publication date: November 21, 2019Inventors: Michael Dustin Moring, Nathan Spindel, Mark Jen
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Patent number: 10319013Abstract: Data describing a purchase order to be prepared by a merchant and an expected arrival time of a user for arriving at a geographic location of the merchant can be received. An order preparation time for the purchase order based on the one or more items specified in the purchase order can be determined. The order preparation time can be a time needed by the merchant to prepare the purchase order. An order start time based on the order preparation time for the purchase order and on the expected arrival time can be determined. The order start time can be a time for beginning preparation of the purchase order to have the purchase order ready at the expected arrival time. The data describing the purchase order and the order start time can be presented.Type: GrantFiled: June 20, 2014Date of Patent: June 11, 2019Assignee: SQUARE, INC.Inventors: Michael Dustin Moring, Nathan Spindel, Mark Jen
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Patent number: 10296910Abstract: A technique for providing a pay-by-name payment experience is disclosed. A point-of-sale (POS) system at a store receives information identifying an account with a central server from a payment card using a short-range wireless technology. In response to that, it obtains information regarding the account, including a person's name associated with the account, using the received information. It also accepts a name from a specific consumer in the vicinity. At this point, it determines whether the name accepted from the specific consumer and the name associated with the account are identical. If it determines that the two names are identical, it checks-in the consumer to the store.Type: GrantFiled: August 8, 2014Date of Patent: May 21, 2019Assignee: Square, Inc.Inventors: Thomas Templeton, Nathan Spindel, Paul Aaron, Jesse L. Dorogusker
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Publication number: 20190122201Abstract: A computer-implemented method for facilitating a merchant transaction comprises providing a list of one or more merchants that are in geographic proximity to a geolocation of a payer, and receiving a request from the payer to conduct a transaction with a merchant among the one or more merchants. The request can be received by a computer system programmed to facilitate the transaction. The transaction can then be processed with the aid of the computer system. A tip selection, which can include a tip amount, can be applied to the transaction. In some cases the tip selection is received from the payer as a selectable option. In other cases, the tip selection is automatically applied to the transaction without involvement from the payer during or upon the termination of the transaction.Type: ApplicationFiled: November 16, 2018Publication date: April 25, 2019Inventors: Shahrouz Tavakoli, Nathan Spindel, William Henderson, Alan Fineberg, Nefaur Khandker, Christopher Clark
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Patent number: 10198731Abstract: Various embodiments are related to apparatuses and methods for basing actions on a location of a card swipe. A computer system receives information indicative of a location of a mobile device associated with a customer at a time corresponding to a swipe of a payment card at a card reader of a merchant. The location information can indicate, for example, the location of the mobile device as being at a GPS coordinate, or at a merchant's place of business. When the location information indicates that the mobile device and the card swipe are located near to each other, or are both located at the same merchant's place of business, a reduced level of fraud analysis can be used when authorizing the purchase transaction. A targeted ad can be sent to a mobile device associated with the customer based on the location of the card reader used for the card swipe.Type: GrantFiled: February 18, 2014Date of Patent: February 5, 2019Assignee: Square, Inc.Inventors: Nathan Spindel, Shawn Morel, Nefaur Rahman Khandker
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Patent number: 10068272Abstract: 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: GrantFiled: September 26, 2014Date of Patent: September 4, 2018Assignee: SQUARE, INC.Inventors: Ajit Kalidindi Varma, Jesse Reiss, Nathan Spindel
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Publication number: 20180249289Abstract: 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: ApplicationFiled: April 27, 2018Publication date: August 30, 2018Inventors: Shuvo Chatterjee, William Henderson, Nathan Spindel, Scott Charles Perry
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Patent number: 9961491Abstract: 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: February 10, 2016Date of Patent: May 1, 2018Assignee: Square, Inc.Inventors: Shuvo Chatterjee, William Henderson, Nathan Spindel, Scott Charles Perry
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Patent number: 9351114Abstract: 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: September 27, 2013Date of Patent: May 24, 2016Assignee: Square, Inc.Inventors: Shuvo Chatterjee, William Henderson, Nathan Spindel, Scott Charles Perry