Proximity-based device identification for payments

Patent metadata

Field	Value
Publication number	US-12361402-B2
Application number	US-202418948429-A
Country	US
Kind code	B2
Filing date	Nov 14, 2024
Priority date	Jun 4, 2014
Publication date	Jul 15, 2025
Grant date	Jul 15, 2025

Abstract

Techniques disclosed include receiving, via a user interface of a first device associated with a first user, an input indicating an amount of funds to be transferred from a first user's financial account to a second user's financial account without identifying another user to whom the funds will be transferred; detecting, using an NFC wireless network, a second device that is in physical proximity of the first device, the second device being associated with a second user, wherein each of the first user and the second user have respective accounts registered with a payment service system; sending, by the first device and via the NFC wireless network, an electronic message requesting or sending a payment in the amount of the funds to the second device; and transmitting a notification to the payment service system to process the payment between the first user and the second user.

First claim

What is claimed is:

1. A computer-implemented method, comprising:
receiving, via a user interface of a first device associated with a first user, an input indicating an amount of funds to be electronically transferred as part of a cardless transaction between a first user's financial account to a second user's financial account on a mobile payment platform without identifying another user to whom the funds will be transferred;
detecting, by the first device associated with the first user and using an NFC wireless network, a second device that is in physical proximity of the first device, the second device being associated with the second user, wherein each of the first user and the second user have respective accounts registered with a payment service system, each of the respective accounts include corresponding identifying financial payment information of the first user or the second user for conducting one or more proximity-based cardless payments with users;
sending, by the first device and via the NFC wireless network, an electronic message requesting or sending a payment in the amount of the funds to the second device; and
after sending the electronic message, transmitting a notification to the payment service system to process the payment between the first user and the second user.

2. The computer-implemented method of claim 1 , wherein each of the first device and the second device have installed thereon a respective instance of a mobile application through which the electronic message and the notification are sent.

3. The computer-implemented method of claim 2 , wherein the input is received on the respective instance of the mobile application on the first device.

4. The computer-implemented method of claim 2 , wherein sending the electronic message comprises:
receiving, on the respective instance of the mobile application on the first device, a notification from the second device requesting acceptance of the payment to be completed; and
receiving one or more inputs, in response to the notification, confirming acceptance of the payment.

5. The computer-implemented method of claim 2 , wherein sending the electronic message comprises:
transmitting, via the respective instance of the mobile application on the first device, a message to the second device requesting acceptance of the payment to be completed; and
receiving, in response to the message, a notification from the second device confirming acceptance of the payment.

6. The computer-implemented method of claim 1 , further comprising:
automatically entering contact information of the second user to generate the electronic message.

7. A mobile device, comprising:
one or more memories having computer-readable instructions stored therein; and
one or more processors configured to execute the computer-readable instructions to:
receive, via a user interface of the mobile device associated with a first user, an input indicating an amount of funds to be electronically transferred as part of a cardless transaction between a first user's financial account to a second user's financial account one a mobile payment platform without identifying another user to whom the funds will be transferred;
detect, using an NFC wireless network, a nearby device that is in physical proximity of the mobile device, the nearby device being associated with the second user, wherein each of the first user and the second user have respective accounts registered with a payment service system, each of the respective accounts include corresponding identifying financial payment information of the first user or the second user for conducting one or more proximity-based cardless payments with users;
send, via the NFC wireless network, an electronic message requesting or sending a payment in the amount of the funds to the nearby device; and
after sending the electronic message, transmit a notification to the payment service system to process the payment between the first user and the second user.

8. The mobile device of claim 7 , wherein each of the mobile device and the nearby device have installed thereon a respective instance of a mobile application through which the electronic message and the notification are sent.

9. The mobile device of claim 8 , wherein the input is received on the respective instance of the mobile application on the mobile device.

10. The mobile device of claim 8 , wherein the one or more processors is configured to send the electronic message by:
receiving, on the respective instance of the mobile application on the mobile device, a notification from the nearby device requesting acceptance of the payment to be completed; and
receiving one or more inputs, in response to the notification, confirming acceptance of the payment.

11. The mobile device of claim 8 , wherein the one or more processors is configured to send the electronic message by:
transmitting, via the respective instance of the mobile application on the mobile device, a message to the nearby device requesting acceptance of the payment to be completed; and
receiving, in response to the message, a notification from the nearby device confirming acceptance of the payment.

12. The mobile device of claim 7 , wherein the nearby device is a mobile device.

13. The mobile device of claim 8 , wherein the one or more processors are further configured to automatically enter contact information of the second user to generate the electronic message.

14. One or more non-transitory computer-readable media comprising computer-readable instructions, which when executed by one or more processors of a mobile device, cause the mobile device to:
receive, via a user interface of the mobile device associated with a first user, an input indicating an amount of funds to be electronically transferred as part of a cardless transaction between a first user's financial account to a second user's financial account on a mobile payment platform without identifying another user to whom the funds will be transferred;
detect, using an NFC wireless network, a nearby device that is in physical proximity of the mobile device, the nearby device being associated with the second user, wherein each of the first user and the second user have respective accounts registered with a payment service system, each of the respective accounts include corresponding identifying financial payment information of the first user or the second user for conducting one or more proximity-based cardless payments with users;
send, via the NFC wireless network, an electronic message requesting or sending a payment in the amount of the funds to the nearby device; and
after sending the electronic message, transmit a notification to the payment service system to process the payment between the first user and the second user.

15. The one or more non-transitory computer-readable media of claim 14 , wherein each of the mobile device and the nearby device have installed thereon a respective instance of a mobile application through which the electronic message and the notification are sent.

16. The one or more non-transitory computer-readable media of claim 15 , wherein the input is received on the respective instance of the mobile application on the mobile device.

17. The one or more non-transitory computer-readable media of claim 15 , wherein execution of the computer-readable instructions cause the mobile device to exchange the electronic message by:
receiving, on the respective instance of the mobile application on the mobile device, a notification from the nearby device requesting acceptance of the payment to be co

Assignees

• Block Inc

Inventors

• Dorsey Jack
• Grassadonia Brian
• Andersen Robert

Classifications

• G06Q20/3255

  using mobile network messaging services for payment, e.g. SMS · CPC title

• G06Q20/40

  Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists · CPC title

• G06Q20/10

  specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems · CPC title

• G06Q20/223

  based on the use of peer-to-peer networks · CPC title

• G06Q20/3223

  Realising banking transactions through M-devices · CPC title