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公开(公告)号：US10528945B1
公开(公告)日：2020-01-07
申请号：US14675555
申请日：2015-03-31
Applicant: Square, Inc.
Inventor： Christopher Philip Renke , Michael Wells White , Eric Dickeson Muller , Mathew Wilson
Abstract: A payment handling system operates to handle payments for the cost of an open ticket transaction in which incremental authorization operations are performed. The payment handling system receives items to add to the open ticket, payment instruments for paying the cost of the open ticket or adjustments to any bill splitting arrangement throughout the life of the open ticket. As items are added, payment instruments are received, and/or adjustments are input, the amount allocated to the one or more payments instruments may be updated. Incremental authorization values are determined for some or all of the payment instruments. When the amount allocated to a payment instrument exceeds the incremental authorization value, an authorization of the instrument is attempted and a new authorization value is determined. At the end of the interaction, the open ticket is closed and payment is executed.
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公开(公告)号：US10482440B1
公开(公告)日：2019-11-19
申请号：US14859034
申请日：2015-09-18
Applicant: Square, Inc.
Inventor： Michael Wells White , Mathew Wilson
Abstract: A mobile point-of-sale (POS) terminal for processing a financial transaction between a buyer and a merchant includes a first mobile computing device running a register application configured to receive payment information from the buyer for facilitating a transfer of funds from the buyer to the merchant, and a payment object reader coupled with the first mobile computing device. The payment object reader includes a wireless communication interface, a processor configured to determine the proximity of the second mobile computing device using signal strength of a signal received via the wireless communication interface. In response to the proximity of the second mobile computing device crossing a threshold, the payment object reader transmits a request to the second mobile computing device to connect with the first mobile computing device. The first mobile computing device and the second mobile computing device may then communicate payment and/or transaction information to complete a POS transaction.
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公开(公告)号：US20180150818A1
公开(公告)日：2018-05-31
申请号：US15793187
申请日：2017-10-25
Applicant: Square, Inc.
Inventor： Christopher Lang Mocko , Koun Han , Hsuan-Yu (Jerry) Lin , Michael Wells White
CPC classification number: G06Q20/202 , G06F9/454 , G06F17/289 , G06Q20/20 , G06Q20/209 , G07G1/01
Abstract: In some examples, a merchant device at a point of sale (POS) location may present information to a merchant in a first language preferred by the merchant, and may present information to a buyer in a second language preferred by the buyer. The merchant device may switch between the different languages in response to detecting a change in the physical orientation of a display. For instance, in a first orientation in which the display is viewable from a merchant direction, the merchant device may present information in the language preferred by the merchant. When the orientation of the display is changed to a second orientation in which the display is viewable from a buyer direction, the merchant device may present information in the language indicated to be preferred by the buyer. Various techniques may be used for determining the preferred language of a particular buyer.
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公开(公告)号：US09864986B1
公开(公告)日：2018-01-09
申请号：US14526361
申请日：2014-10-28
Applicant: Square, Inc.
Inventor： Michael Wells White , Jianliang Zhao , Christopher Lang Mocko , Zhimin Ren
CPC classification number: G06Q20/342 , G06Q20/202 , G06Q20/227 , G06Q20/24 , G06Q20/3223 , G06Q20/36 , G06Q20/40145
Abstract: Methods and apparatuses related to linking a monetary value card with a payment card. In some embodiments, a payer uses a gift card to pay for a purchase. The gift card is swiped by a point of sale (POS) system, and a computer system processes a payment. The computer system causes the POS system to display a message prompting the payer to provide an email address for an electronic receipt. The payer provides the email address, which the computer system uses to determine that the payer has a payment card. The computer system sends a message to the payer asking if he would like to link the gift card with the payment card, to which the payer responds affirmatively. The payer later uses the payment card to initiate a payment, and the computer system processes the payment based on the gift card that is linked with the payment card.
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公开(公告)号：US20180005226A1
公开(公告)日：2018-01-04
申请号：US15197711
申请日：2016-06-29
Applicant: Square, Inc.
Inventor： David Terra , Koun Han , Michael Wells White
Abstract: A payment terminal may receive a request to process electronic payment information from a payment card in a swipe mode. The payment terminal may provide an opt-in request. If a user accepts, the payment terminal may receive a payment transaction request and electronic payment information of a swipe payment type from the payment card at a swipe interface. The payment terminal may determine whether the payment card is a chip card and generate a swipe mode processing indicator. The swipe mode indicator may allow processing of electronic payment information using procedures for the swipe payment type. The payment terminal may transmit the swipe mode processing indicator and electronic payment information to a payment server from a communication interface of the payment terminal, and may receive a payment approval response based on the swipe mode processing indicator.
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Patent Agency Ranking
公开(公告)号：US20170091732A1
公开(公告)日：2017-03-30
申请号：US14864547
申请日：2015-09-24
Applicant: Square, Inc.
Inventor： Afshin Rezayee , Malcolm Smith , Sergei Mosends , Michael Wells White , Ovidiu Bota , Max Guise , Andrew John Leiserson
CPC classification number: H04W76/11 , G06Q20/202 , G06Q20/3278 , G06Q20/38215 , G06Q30/0253 , H04L29/06965 , H04W4/80 , H04W12/04 , H04W12/04031
Abstract: A wireless communication device such as a payment reader has a wireless communication interface and is able to establish wireless pairing with an interactive electronic device such as a merchant device running a point of sale application. In order to establish pairing, the wireless communication device accesses an identifier. The identifier is transmitted to the interactive electronic device via the wireless communication interface, and the interactive electronic device sends the identifier to a pairing server. The pairing server retrieves a passkey based on the identifier and sends the retrieved passkey to the interactive electronic device via a secure connection. The wireless communication device and the interactive electronic device establish wireless pairing based on the retrieved passkey.
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公开(公告)号：US20160307176A1
公开(公告)日：2016-10-20
申请号：US14686381
申请日：2015-04-14
Applicant: Square, Inc.
Inventor： Christopher Philip Renke , Michael Wells White , Eric Dickeson Muller , Mathew Wilson
CPC classification number: G06Q20/202 , G06F17/30144 , G06F17/30174 , G06Q20/20 , G06Q30/0635
Abstract: A payment handling system may operate to handle payments for the cost of a transaction in which one or more devices operate in an offline mode. The payment handling system may allow for merchant devices to make modifications to local versions of an open ticket while in an off-line mode. When a merchant device subsequently enters an online mode, the systems and techniques may operate to reconcile differences between the local versions of the open ticket.
Abstract translation: 支付处理系统可以操作以处理一个或多个设备在离线模式下操作的交易的成本的支付。 支付处理系统可以允许商家设备在离线模式下对本地版本的公开机票进行修改。 当商家设备随后进入在线模式时，系统和技术可以操作以协调公开机票的本地版本之间的差异。
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公开(公告)号：US10990946B2
公开(公告)日：2021-04-27
申请号：US16198245
申请日：2018-11-21
Applicant: Square, Inc.
Inventor： Christopher Philip Renke , Michael Wells White , Eric Dickeson Muller , Mathew Wilson
IPC: G06Q20/00 , G06Q20/20 , G06F16/178 , G06F16/17 , G06Q30/06
Abstract: A payment handling system may operate to handle payments for the cost of a transaction in which one or more devices operate in an offline mode. The payment handling system may allow for merchant devices to make modifications to local versions of an open ticket while in an off-line mode. When a merchant device subsequently enters an online mode, the systems and techniques may operate to reconcile differences between the local versions of the open ticket.
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公开(公告)号：US10733588B1
公开(公告)日：2020-08-04
申请号：US16146943
申请日：2018-09-28
Applicant: Square, Inc.
Inventor： Christopher Lang Mocko , Koun Han , Hsuan-Yu (Jerry) Lin , Michael Wells White
Abstract: In some examples, a merchant device at a point of sale (POS) location may present information to a merchant in a first language preferred by the merchant, and may present information to a buyer in a second language preferred by the buyer. The merchant device may switch between the different languages in response to detecting a change in the physical orientation of a display. For instance, in a first orientation in which the display is viewable from a merchant direction, the merchant device may present information in the language preferred by the merchant. When the orientation of the display is changed to a second orientation in which the display is viewable from a buyer direction, the merchant device may present information in the language indicated to be preferred by the buyer. Various techniques may be used for determining the preferred language of a particular buyer.
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公开(公告)号：US20190287108A1
公开(公告)日：2019-09-19
申请号：US16214031
申请日：2018-12-07
Applicant: Square, Inc.
Inventor： Michael Wells White , Charles Nicholson , David Terra , Jason Holmes , Martin Mroz
Abstract: Examples, methods and systems described herein may include determining, by a payment processing system, whether a second payment mechanism may be used to perform a payment transaction when a first payment mechanism is preferred and/or when the first payment mechanism has failed. Determining to use the second payment mechanism can be based on (i) an analysis of a communication status indicator received from a point-of-sale (POS) terminal that indicates which payment mechanisms are capable of communicating with the POS terminal, (ii) data received from the POS terminal that is associated with a read of a payment object, and/or (iii) an allowance criterion.
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