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49 views40 pagesUS20230376929A1
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Sanjay SharmaCopyright
© © All Rights Reserved
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/ 40
us) United States
2) Patent Application Publication co) Pub. No.: US 2023/0376929 Al
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APPARATUSES, METHODS, AND SYSTEMS.
FOR TRANSMITTING PAYMENT PROXY.
INFORMATION
Applicant: Block, Ine., Oakland, CA (US)
Inventors: Mare Hernandez. Sa Francisco, CA
(US); Brian Grassadonia, s
Francisco, CA (US)
Appl. Nos 18/363,616
Filed: Aug 1, 2023
Related U.S. Application Data
Continuation of application No, 17/3342, filed on
May 28, 2021, aow Pat. No, 11,769,137, which is
continuation of application No. 14/858,974, filed on
Sep. 18, 2015, sow Pat, No. 11,023,878.
Provisional application No. 62/171,713, fled on Jun.
5, 2015
Publication Classtieation
(2006.01)
G06Q 20720 (2005.01),
US 2023037692941
(43) Pub. Date Nov. 23, 2023
mos 4020 200501)
G060 2038 (2006.01),
(2) US. Cl,
CBC. Gua 208224 2013.01): Gag 20202
(2013.01), Gos 202223 2013.01), Hos
40/20 (2013.01), GD6Q 202825 (2013.01),
{G06Q 20/3821 (201301), HOA 84/18
(201301)
on ABSTRACT
In some examples, methods and systems may process one or
‘more payment twanssctions between a merchant anda
remote etstomer by exchanging atleast one payment proxy
having a syntax ineloding a monetary currency indicator
preceding an alphanumeric character, camesponding to the
‘ereliat or the customer evera mesh network. A customer
evice detects a neighboring beacon and sends 2 route
request through a communication ebannel, the route request
includes at least an address of merchant beacon deviee.
The neighboring beacon determines @ routing path 1 con:
ect the customer device and the merchant beacon device by
hopping over one or more neighboring, beacon devices
‘Once the communication channel is established, the cus.
tomer device can send and receive the payment proxy to and
from the merchant beacon device. The cstomer device is
configured fo generate a message identlying the payment
proxy as a method of payment forthe payment transaction.
iM Patent Application Publication
Nov. 23, 2023 Sheet 1 of 11
US 2023/0376929 AI
EIGURE 1.
75 Unis La (CRYPTO PROCESSOR
Inrentace 128
cock
138 !O wtersace (0) 1221
= Tnrenrace Bus
118
Lol NETWORK TOTERFACE
426
BLE
132]
[Nec
134
lem]
136
‘STORAGE INTERFACE
424
Nerwarx 104
User(s)
Cuienn(s)
1028
PPS Cowponswr 148
‘STORAGE Device 130
EMV INTERFACE COMPONENT 171
"ADDRESS MAPPING COMPONENT 174
NC INTERFACE COMPONENT 172
BLE InreRFace CompoNeNT 170
PPS DATABASE 150
TRANSACTION COMPONENT 168, nee
PAYMENT PROXY
PavMENT DATA
1504 1500
QR Cove CoMPONENT 166 Location
1508 | | SENSOR Data 150E
USER INTERFACE
208
Wee BROWSER
160
‘OPERATING SYSTEM (OS) 152
PAIRING COMPONENT 164 TRANSACTION DATA] |“ Gruce DATA 1S0F
GavPTO SERVER Jpg
iy Info. SERVER 158
‘OTHER CoMPONENT(S) 176
PPS Conrouer 100 US 2023/0376929 AI
Nov. 23, 2023 Sheet 2 of 11
Patent Application Publication
Bee wanss|
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Nov. 23, 2023 Sheet 3 of 11
Patent Application Publication
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FIGURE 3
DATABASE 320
i 1
| (___praese sen]
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[sees J
a0 316 & :
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Wee APPLICATION
SERVER SERVER
322 324
FINANACIAL,
PAYMENT NETWORK
BEACON DEVICE Computins
309 Devices 312
J 306 US 2023/0376929 AI
Nov. 23, 2023 Sheet 5 of 11
Patent Application Publication
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gs
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PAYMENT
PARKING
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410
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402-2
« US 2023/0376929 AI
Nov. 23, 2023 Sheet 7 of 11
Patent Application Publication
a
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FIGURE 6
600~,
Receive a request from a customer to purchase a product or
service
VY 602
vy
Generate a transaction receipt in response to a transaction
request by a customer
y 604
y
Determine a client device associated with the customer
y
y
Establish a communication channel between the client device
and a merchant's point of sale terminal
y- 608
Connection established
successfully?
V Yes
No
Transmit a payment proxy to the client device through the
established connection
612
y
Receive a confirmation link indicating transfer of funds from a
customer financial account to a merchant financial account
Vacs US 2023/0376929 AL
Patent Application Publication Nov. 23, 2023 Sheet 9 of 11
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Nov. 23, 2023 Sheet 10 of 11
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Nov. 23, 2023 Sheet 11 of 11
Patent Application Publication
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APPARATUSES, METHODS, AND SYSTEMS.
FOR TRANSMITTING PAYMENT PROXY
INFORMATION
CROSS REFERENCE TO RELATED
‘APPLICATIONS.
10001} This application claims priority to U.S. patent
application Ser. No. 17/334,382, fled May 28, 2021, whieh
's a continvation of U.S. patent application Set. No, No.
14/858,974, led Sep. 18, 2018, and issued as US. Pat No.
11,410,154, on Aug, 9, 2022, which claims the benefit of
US. Provisional Patent Application No. 62/171,713, filed
Jun, §, 2015, the entire contents of which are incorporated
herein by reference.
TECHNICAL FIELD.
{0002} Solutions exist to provide individuals with the
ability wo transfer money between one another electronically
through, eg, Automated Clearing House transfers, wire
transfer, ele. Such solutions have also bees implemented
between # merchant and a user to enable payment transac-
tions. However, eating accounts with one or more financial
‘nsitutions and sharing such sensitive account information
to enable money transfers may be both time-consuming and
risky.
BRIEF DESCRIPTION OF THE DRAWINGS
[0003] ‘The detailed description is set forth with reference
to the accompanying figures. In the figures, the leftmost
digits) ofa reference number identifies the igure in which
the reference number first appears. The use of the same
reference numbers in different figures indicates similar oF
‘dentcal items or features. Moreover, multiple instances of
the same part are designated by s common prefix separated
Jom the instance number by a dash, The drawings are not
to scale
{0004} "FIG. 1 is a block diagram illustrating components
‘ofa payment processing system (PPS) controller, according
to an embodiment of the present subject matter
10005] FIG. 2A isa data flow diagram illustating move-
‘ment of da and funds between one oF more entities in the
‘context of a payment transaction, according to an embod
ment of the present subject matter.
10006) FIG. 2B isa data low diagram illustrating move-
rent of data and funds between one or more entities in the
context of the payment transaction, acconling to another
‘embodiment of the present subject matter.
[0007] FIG. 3 is a block diagram iusrating @ network
based environmeat in which payment proxies are exchanged
berwoen @ merchant and a customer, or a sender and 2
recipient, according to an embodiment ofthe present subject
rater
10008] FIG. 4A.is block diagram of an exemplary seenario
Jor transmitting payment proxy to neighboring. devices
‘acconting to an embodiment of the present subject matter
10009] FIG. 4B is a block diagram of an exemplary
scenario for transmitting payment proxy to neighboring
eviews, according to another embodiment of the present
subject mater
[0010] FIG. $ is a flow diagram illustrating an example
method of processing payment transactions between a mer
‘chant and a customer, according to an embodiment of the
present subject matter
Nov. 23, 2023
[0011] FIG. 6 is @ fw diagram illustrating an example
rthod of exchanging information between the customer
and the merchant, according to an embodiment of the
present subject mater.
[012] FIG. 7A is a newwork diogram of an exemplary
Scenario ilusirating exchange of payment proxy between 3
eesomer device and a remote beacon oF point-of-sale ter
‘inal through a mesh network, according to an embodiment
fof the present sulject matter.
[0013] FIG. 7B isa low digram ilustrating exchange of |
payment proxy between a customer device and a remote
beacon oF point-of-sale terminal through a mesh network,
according to an embodiment ofthe present subject matter.
[0014] FIG. 7C isu ow digram ilustraing exchange of
payment proxy between a customer device and a remote
beacon of point-of-sale temninal through an adchoe mesh
network, according to an embodiment ofthe present subject
nate
DETAILED DESCRIPTION
[0018] Embodiments of apparatuses, methods, and sys-
ems for transmitting puyment proxy information are
described herein. Traditionally, a eustomer provides 3 pay
‘meat card, such as a credit card in a merchant associated
card reader connected with a point-of-sale (POS) terminal,
to process a tramsaction involving a product or service. la
some cases, the customer or a sender requests for the
Tinaneiel account information ofthe merchant or recipient to
fumish his or her account with funds and complete the
‘transaction. In such exemplary seenarios, the merchant or
representative ofthe merchant has to be present in order t0
cither furnish the finaneial account information or accept
payments through the POS system, However, the merchant
nay not be comfortable divulging personal account infor-
ion t every customer or sender. Additionally, the mer-
chant may not fiad it economically or geographically fea.
sible to establish a POS infrastructure at all locations,
particularly at locations or businesses that are sparsely
populated, pop-up or seasonal
[0016] To this end, embodiments of the present subject
ater provide apparatuses, methods and systems Tor tr
‘iting payment proxy, whichis indicative of the finan
for baak account oF the merchaatrecipien Using the pay
‘ment proxy of the recipient, the customer or sender pro-
cesses a teansuetion for a product or service via Web-
application, messaging application, a forum message,
social networking website or application, a third-party appli-
ati, oF a webpage with customized uniform resource
locator (URL)
[0017] In some embodiments a device, such a a payment
object reader (eg., 2 card reader configured 10 accept
payments through a ere or debit card), payment beacon oF
A payment object reader configured as @ payment beacon,
‘operating on Wired or wireless technologies, e., Bhutooth,
Bluetooth Low Energy (BLE), Wii, Radio Frequency
‘entfication (RFID), Near-Frequency Communication
(NEC), et, may persistently or on activation ofthe payment
object rede, eg, in response (0 4 visual, audio or tactile
‘np, send or recive payment related information like the
payment proxy of the merchant, The payment proxy can
have syntax of @ monetary currency indicator preceding an
alphanumeric character. Acustomer deviee, such as a mobile
plone ora tablet, obtains the payment proxy’ via a Bctoath
receiver component, installed within the customer deviee. US 2023/0376929 Al
without an explicit command, an intention to transfer a
predefined amount to the customer, which can then be
packaged as a payment request and seal W a payment
processing system. The payment processing system receives
the request through the portal. In one implementation, the
payment processing system can optionally parse the pay=
‘ent proxy and apply syntax matching algorithm to match
the received payment proxy with reyitered entries in its
‘database. The payment processing system caa then commu
nicato with a financial institution (eg, an issuer or an
acquire) to determine details of the final account ass0-