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1. 发明申请

WO2022010784A1 PEER-TO-PEER TRANSFER OF A STORED VALUE 审中-公开
公开(公告)号：WO2022010784A1
公开(公告)日：2022-01-13
申请号：PCT/US2021/040303
申请日：2021-07-02
申请人： SQUARE, INC.
发明人： MORING, Michael, Dustin , JACOBY, Brandon , SHEN, Benjamin , JENNINGS, Owen, Britton , WU, Chun Wah
IPC分类号： G06Q20/06 , G06Q20/10 , G06Q20/14 , G06Q20/38
摘要： The present technology reduces external communication, server demand, network congestion, and processing power in facilitating the transfer of stored values. The technology as disclosed herein provides for users to transmit a stored value therebetween, allowing recipients to select how they would like to receive the stored value by means of one or more digital assets or other alternate values. The technology provides for a first user to transmit a stored value to one or more recipients. Upon receiving a selection as to how the recipients would like to receive the stored value, the present technology converts from the stored value as sent by the first user to the one or more alternate values as indicated by the recipients.

2. 发明申请

WO2020068405A1 STORED BALANCE WITH MULTI-CHANNEL WITHDRAWAL ACCESS 审中-公开
公开(公告)号：WO2020068405A1
公开(公告)日：2020-04-02
申请号：PCT/US2019/050250
申请日：2019-09-09
申请人： SQUARE, INC.
发明人： RIECHERS, Christina , CORMIER, Michael , MARGOLIS, Zachary , FEZGA, Bora , ROBBINS, Clay , MERETAB, Justin
IPC分类号： G06Q20/02 , G06Q20/40
摘要： A stored balance with multi-channel withdrawal access is described. In an example, a server of a payment processing service can determine a stored balance based on funds received from point-of-sale (PCS) transactions processed via the payment processing service on behalf of a merchant. The stored balance can be maintained in a ledger of the payment processing service. The server can associate the stored balance with a payment instrument of the merchant. The stored balance can be accessible via the payment instrument substantially immediately after funding of a transaction at the POS and via (i) an instant deposit to a linked bank account of the merchant and (ii) a scheduled deposit to the linked bank account, wherein the instant deposit is available substantially immediately after funding of the transaction and the scheduled deposit is made at a prearranged time after the funding of the transaction.

3. 发明申请

WO2019133279A1 APPLICATION PROGRAMMING INTERFACES FOR STRUCTURING DISTRIBUTED SYSTEMS 审中-公开
公开(公告)号：WO2019133279A1
公开(公告)日：2019-07-04
申请号：PCT/US2018/065486
申请日：2018-12-13
申请人： SQUARE, INC.
发明人： BELL, Bruce , YIEN, Kevin , WESTMAN, Karl
IPC分类号： G06Q10/00 , G06Q10/08 , G06Q50/12 , G06Q50/30
CPC分类号： G06Q10/00 , G06Q10/083 , G06Q10/0835 , G06Q50/12 , G06Q50/30
摘要： A system and environment to enable entities to utilize delivery services provided by a service provider are described herein. In some examples, the service provider exposes the delivery services to a computing device associated with a merchant, buyer, and/or others using one or more Applicant Programming Interfaces (APIs) provided by the service provider. The one or more APIs may enable merchants and/or others to automatically integrate the delivery services into technologies used by the merchants and/or others in order to facilitate delivery of items that are offered for acquisition by the merchants.

4. 发明申请

WO2019005968A1 SECURE ACCOUNT CREATION 审中-公开
公开(公告)号：WO2019005968A1
公开(公告)日：2019-01-03
申请号：PCT/US2018/039756
申请日：2018-06-27
申请人： SQUARE, INC.
发明人： GRASSASDONIA, Brian , MORING, Michael , ANDRESEN, Robert , PERITO, Daniele , OMOJOLA, Ayokunle
IPC分类号： G06Q20/20 , G06Q20/12 , G06Q20/32 , G06Q20/34 , G06Q20/42
摘要： 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.

5. 发明申请

WO2018200193A1 ENHANCED USER INTERFACE FOR CREATING INTERACTIVE LAYOUTS 审中-公开
公开(公告)号：WO2018200193A1
公开(公告)日：2018-11-01
申请号：PCT/US2018/026921
申请日：2018-04-10
申请人： SQUARE, INC.
发明人： BELL, Bruce , PARTRIDGE, Brian , ABU-GHAIDA, Ghassan , BAUTISTA, Alfred , DHINGRA, Amar , YIEN, Kevin
IPC分类号： G06Q20/20 , G06Q30/02 , G06F17/50
摘要： This disclosure describes, in part, techniques for utilizing an enhanced user interface to create interactive layouts. For instance, a merchant device may present a user interface to a merchant, where the merchant can use the user interface to create a layout of a physical establishment. The merchant device can then receive inputs indicating respective locations of designated sections and objects within the physical establishment, and update the layout to include graphical elements corresponding to the designated sections and the objects at the respective locations. After creating the layout, the merchant device can send data corresponding to the layout to a payment service. The payment service can analyze the layout to determine locations within the physical establishment for placing designated sections and objects. Additionally, the payment service can send the merchant device messages that indicate the locations.

6. 发明申请

WO2018125808A1 PARTIAL DATA OBJECT ACQUISITION AND PROCESSING 审中-公开
公开(公告)号：WO2018125808A1
公开(公告)日：2018-07-05
申请号：PCT/US2017/068220
申请日：2017-12-22
申请人： SQUARE, INC.
发明人： TERRA, Davi
IPC分类号： G06Q20/34
摘要： A payment terminal such as a payment reader may receive and form electrical connections with an electronic transaction card such as an EMV chip card. The payment terminal may provide power to the electronic transaction card and initiate communications with the electronic transaction card. One or more records may be acquired from the electronic transaction card. Data objects may be extracted from those records and stored in a cache. Data objects may be needed to process transactions. If the data object is available from the data cache or is otherwise received prior to all records being received, transactions may be processed prior to the acquisition of all records from the electronic transaction card.

7. 发明申请

WO2018118332A1 SMART POWER MANAGEMENT 审中-公开
公开(公告)号：WO2018118332A1
公开(公告)日：2018-06-28
申请号：PCT/US2017/062890
申请日：2017-11-21
申请人： SQUARE, INC.
发明人： TEMPLETON, Thomas , TERRA, David , WHITE, Michael
IPC分类号： G07F7/08 , G06F1/32
CPC分类号： G06F1/3228 , G06F1/3203 , G06F1/3287 , G06F1/329 , G07F7/0886 , G07G1/12
摘要： Techniques for generating schedule(s) specific to a merchant for managing power states of component(s) of a point-of-sale (POS) system of the merchant are described. Transaction data associated with transactions involving the merchant may be received from a POS application of the POS system. Based at least partly on the transaction data, a schedule for managing the power states of a component, such as a battery-operated payment reader device, may be determined. The schedule may indicate when to change a first power state of the component to a second power state. The schedule may be sent to a POS system. The POS system may use the schedule to manage the power states of a component of the POS system, such as a battery-operated reader device. Additionally, or alternatively, the POS system may determine triggering events and may manage the power states of the component based on the triggering events.

8. 发明申请

WO2018006060A1 LOGICAL VALIDATION OF DEVICES AGAINST FRAUD AND TAMPERING 审中-公开
标题翻译：设备对欺骗和篡改的逻辑验证
公开(公告)号：WO2018006060A1
公开(公告)日：2018-01-04
申请号：PCT/US2017/040460
申请日：2017-06-30
申请人： SQUARE, INC.
发明人： ZOVI, Dino, Dai , KLAWE, Janek
IPC分类号： G06Q20/04 , G06Q20/20 , G06Q20/40 , H04W12/12
摘要： Disclosed herein is a method and system to determine whether a payment terminal has been tampered with based on a comparison of attestation data received from the payment terminal. If the determination yields that the request has been approved, the terminal generates an attestation ticket having one or more validity conditions, wherein the validity conditions include expiration time that indicates the time after which the attestation ticket becomes invalid. The attestation ticket can be used as long as it is valid or until another trigger causes the ticket to be invalidated or regenerated.
摘要翻译：本文公开了一种用于基于从支付终端接收到的认证数据的比较来确定支付终端是否已被篡改的方法和系统。如果确定结果为请求已被批准，则终端生成具有一个或多个有效条件的认证券，其中有效性条件包括指示认证券变为无效的时间的到期时间。认证凭证可以使用，只要它是有效的或直到另一个触发器导致票证失效或重新生成。

9. 发明申请

WO2018005717A1 EXPEDITED PROCESSING OF ELECTRONIC PAYMENT TRANSACTIONS 审中-公开
标题翻译：电子支付交易的快速处理
公开(公告)号：WO2018005717A1
公开(公告)日：2018-01-04
申请号：PCT/US2017/039858
申请日：2017-06-29
申请人： SQUARE, INC.
发明人： TERRA, David , HAN, Koun , WHITE, Michael, Wells
IPC分类号： G06Q20/34 , G06Q20/40 , G07F7/12
摘要： A payment terminal may receive a request to process electronic payment information from a chip card in an expedited processing mode. The payment terminal may provide an opt-in request. If a user accepts, the payment terminal may receive a request for payment and request an electronic payment response from the chip card. The payment terminal may receive the electronic payment response from the chip card and store it in memory at the payment terminal. The payment terminal may approve the payment transaction associated with the electronic payment response, allowing the chip card to be removed from the payment terminal. The payment terminal may process additional requests for payment and associate payment-type and time indicators with each electronic payment response. The payment terminal may transmit approval requests to one or more payment servers when the terminal determines they may be transmitted, and, for each request, receive a payment approval response.
摘要翻译：支付终端可以以快速处理模式接收处理来自芯片卡的电子支付信息的请求。支付终端可以提供选择加入请求。如果用户接受，则支付终端可以接收支付请求并从芯片卡请求电子支付响应。支付终端可以从芯片卡接收电子支付响应并将其存储在支付终端的存储器中。支付终端可以批准与电子支付响应相关联的支付交易，从而允许芯片卡从支付终端移除。支付终端可以处理额外的支付请求并且将支付类型和时间指示符与每个电子支付响应相关联。当终端确定它们可能被传送时，支付终端可以向一个或多个支付服务器发送批准请求，并且对于每个请求，支付终端可以接收支付批准响应。

10. 发明申请

WO2018005468A1 NEAR FIELD COMMUNICATION FLEX CIRCUIT 审中-公开
标题翻译：近场通信灵活电路
公开(公告)号：WO2018005468A1
公开(公告)日：2018-01-04
申请号：PCT/US2017/039466
申请日：2017-06-27
申请人： SQUARE, INC.
发明人： BINDER, Jason , WADE, Jeremy
IPC分类号： H04B5/00 , G06K7/00 , H04B5/02
摘要： A payment terminal can have a near field communication (NFC) circuit to permit the payment terminal to accept an NFC payment transaction from a payment device of a customer. The NFC circuit can have a first set of components that are located on a printed circuit board in the base of the payment terminal and a second set of components that are mounted on a flex circuit in another region of the payment terminal. The flex circuit can be coupled to the printed circuit board and have an extended portion with a plurality of traces to communicate transmit and receive data between the first set of components and the second set of components. The plurality of traces on the extended portion can have a predetermined length that is greater than or equal to 2.5% of the propagation-medium-specific wavelength of the carrier signal communicated over the traces.
摘要翻译：支付终端可以具有近场通信（NFC）电路以允许支付终端接受来自客户的支付设备的NFC支付交易。 NFC电路可以具有位于支付终端的底座中的印刷电路板上的第一组元件和安装在支付终端的另一区域中的柔性电路上的第二组元件。柔性电路可以耦合到印刷电路板并且具有带有多个迹线的延伸部分，以在第一组部件和第二组部件之间传送和接收数据。延伸部分上的多个迹线可具有大于或等于在迹线上传送的载波信号的传播介质特定波长的2.5％的预定长度。

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