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公开(公告)号：US20200327509A1
公开(公告)日：2020-10-15
申请号：US16913277
申请日：2020-06-26
Applicant: Square, Inc.
Inventor： Paul Aaron , Zachary Brock
Abstract: Disclosed is a technology for collecting item-level transaction information for interactive payment experience. According to one embodiment, a merchant server can maintain a database including the information of financial accounts having a particular classification. The classification indicates that these financial accounts are associated with a payment service system. When the merchant server determines a requested financial transaction involves a financial account classified in the database, the merchant server transmits the item-level transaction information to the payment service system. The payment service system receives the item-level transaction information in real-time or near real-time and generates an interactive digital transaction receipt for a consumer.
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公开(公告)号：US09824504B2
公开(公告)日：2017-11-21
申请号：US14804627
申请日：2015-07-21
Applicant: Square, Inc.
Inventor： Paul Aaron , Shawn Morel , Xuancong Wen , Louie Mantia , Daniel Scrivner , Robert Andersen , Jack Dorsey , Christopher Clark
Abstract: A payment transaction between a passenger and a driver may be processed using a mobile device of the passenger and a mobile device of the driver. For example, the mobile device of the passenger and the mobile device of the driver may be associated for processing the payment transaction. Fare data for a ride that is offered by the driver may be received from the mobile device that is associated with the driver and payment data for the passenger may be received from the mobile device that is associated with the passenger. A payment processing server may cause the payment transaction to be processed.
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公开(公告)号：US10776809B1
公开(公告)日：2020-09-15
申请号：US14506541
申请日：2014-10-03
Applicant: Square, Inc.
Inventor： Paul Aaron , Keisuke Omi , Matthew Dolan
Abstract: A computer-implemented technique for applying rewards points associated with a payment card is disclosed. A computer system stores information associated with a person's payment card, such as a credit or debit card, including information indicative of rewards points associated with the card. The computer system then receives from a remote device a first message indicative of a transaction between the person and another entity. The transaction includes a payment of a specified amount from the person to the other entity. In some embodiments the transaction has already been completed, and the computer system causes rewards points to be applied to it post-transaction. In other embodiments the transaction has not yet been executed and may be a requested cash transfer. The computer system determines how many rewards points correspond to the specified amount and causes the rewards points to be used for at least a portion of the transaction amount.
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公开(公告)号：US09836739B1
公开(公告)日：2017-12-05
申请号：US14184503
申请日：2014-02-19
Applicant: Square, Inc.
Inventor： Andrew Borovsky , Paul Aaron
IPC: G06Q20/34
CPC classification number: G06Q20/3572
Abstract: Apparatuses and methods for changing a financial account after initiating a payment using a proxy object, such as a proxy card, are disclosed. The proxy card is associated with multiple financial accounts, such as accounts associated with credit cards, debit cards, and pre-paid gift cards. A consumer presents the proxy card to a merchant to make a payment, and the merchant swipes the proxy card and processes the payment by sending transaction information to a financial system. A computer system associated with the financial system selects a payment account associated with the proxy card to use for the payment, and an authorization for the transaction is obtained. Later, the consumer is given a limited time within which he may change the financial account used for the payment, such as by using his mobile device to select a different account associated with the proxy card to use to obtain funds for the payment.
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公开(公告)号：US10929847B1
公开(公告)日：2021-02-23
申请号：US16403708
申请日：2019-05-06
Applicant: Square Inc.
Inventor： Thomas Templeton , Nathan Spindel , Paul Aaron , Jesse L. Dorogusker
Abstract: 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.
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Patent Agency Ranking
公开(公告)号：US10726399B2
公开(公告)日：2020-07-28
申请号：US15582300
申请日：2017-04-28
Applicant: Square, Inc.
Inventor： Paul Aaron , Zachary Brock
Abstract: Disclosed is a technology for collecting item-level transaction information for interactive payment experience. According to one embodiment, a merchant server can maintain a database including the information of financial accounts having a particular classification. The classification indicates that these financial accounts are associated with a payment service system. When the merchant server determines a requested financial transaction involves a financial account classified in the database, the merchant server transmits the item-level transaction information to the payment service system. The payment service system receives the item-level transaction information in real-time or near real-time and generates an interactive digital transaction receipt for a consumer.
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公开(公告)号：US20180150807A1
公开(公告)日：2018-05-31
申请号：US15582300
申请日：2017-04-28
Applicant: Square, Inc.
Inventor： Paul Aaron , Zachary Brock
Abstract: Disclosed is a technology for collecting item-level transaction information for interactive payment experience. According to one embodiment, a merchant server can maintain a database including the information of financial accounts having a particular classification. The classification indicates that these financial accounts are associated with a payment service system. When the merchant server determines a requested financial transaction involves a financial account classified in the database, the merchant server transmits the item-level transaction information to the payment service system. The payment service system receives the item-level transaction information in real-time or near real-time and generates an interactive digital transaction receipt for a consumer.
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公开(公告)号：US09922321B2
公开(公告)日：2018-03-20
申请号：US14145895
申请日：2013-12-31
Applicant: Square, Inc.
Inventor： Paul Aaron , William Henderson
CPC classification number: G06Q20/3572
Abstract: Various embodiments are related to apparatuses and methods for paying for a financial transaction using a proxy object. The proxy object can be associated with multiple payment accounts, for example accounts associated with credit cards and debit cards. A consumer can present the object to a payee to make a payment, and the payee can use a device to obtain information from the object. For example, when the proxy object is a proxy card similar to a credit card, the payee can use a card reader to read information from the magnetic stripe of the proxy card. The information can be transmitted to a financial system, and the financial system can communicate with a computer system that can select a payment account associated with the proxy card to use for the payment. The financial system can process the payment using the selected payment account.
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公开(公告)号：US09652751B2
公开(公告)日：2017-05-16
申请号：US14329658
申请日：2014-07-11
Applicant: Square, Inc.
Inventor： Paul Aaron , Zachary Brock
CPC classification number: G06Q20/0453 , G06Q20/04 , G06Q20/12 , G06Q20/202 , G06Q20/204 , G06Q20/322 , G06Q20/40 , G06Q20/42
Abstract: Disclosed is a technology for collecting item-level transaction information for interactive payment experience. According to one embodiment, a merchant server can maintain a database including the information of financial accounts having a particular classification. The classification indicates that these financial accounts are associated with a payment service system. When the merchant server determines a requested financial transaction involves a financial account classified in the database, the merchant server transmits the item-level transaction information to the payment service system. The payment service system receives the item-level transaction information in real-time or near real-time and generates an interactive digital transaction receipt for a consumer.
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公开(公告)号：US09064249B1
公开(公告)日：2015-06-23
申请号：US14513076
申请日：2014-10-13
Applicant: Square, Inc.
Inventor： Andrew Borovsky , Paul Aaron
CPC classification number: G06Q20/346 , G06Q20/0453 , G06Q20/204 , G06Q20/227 , G06Q20/34 , G06Q20/3572 , G06Q20/387 , G06Q20/40145 , G06Q20/409 , G06Q30/0282
Abstract: Disclosed herein are techniques for providing a digital receipt to a consumer upon tender of payment to a merchant through the use of a proxy payment card in a financial transaction. The proxy payment card can be associated with multiple financial accounts (e.g., accounts associated with credit cards, debit cards, or gift cards). The digital receipt is automatically received at a personal computing device of the consumer in response to the financial transaction being charged to a financial account associated with the proxy payment card. The digital receipt includes information indicative of the financial transaction. The digital receipt can also include one or more interactive components that allow the consumer to interact with the transaction (and/or merchant) subsequent to transmission of the receipt, such as adding a tip, providing feedback, redeeming a promotion reward, tracking loyalty reward points, or reviewing transaction records of past and present transactions.
Abstract translation: 这里公开的是在金融交易中通过使用代理支付卡向商家投标的向消费者提供数字收据的技术。 代理支付卡可以与多个金融账户（例如，与信用卡，借记卡或礼品卡相关联的账户）相关联。 响应于金融交易被收取到与代理支付卡相关联的金融账户，数字收据在消费者的个人计算设备处被自动接收。 数字收据包括指示金融交易的信息。 数字收据还可以包括一个或多个互动组件，其允许消费者在传送收据之后与交易（和/或商家）进行交互，例如添加提示，提供反馈，兑换促销奖励，跟踪忠诚奖励 积分或审查过去和现在交易的交易记录。
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