IP Library › Granted Patent US 12699983

Granted Patent B2

US 12699983 · App. 19/184,968 · Granted Aug 4, 2026

Application integration for web payments

Inventors: Pritesh Bodalia (Waterloo, CA); Deepkarn Bedi (Sausalito, CA); Christopher Sukovich (San Francisco, CA); Vinh Au (Kitchener, CA); Jessica Bullitt (San Francisco, CA)

Assignee: Block, Inc.

G06Q20/3276 G06F3/0488 G06F8/61 G06F9/3836 G06F9/547 G06K7/1095 G06K7/1417 G06K19/06037 G06K19/06112 G06Q20/02 G06Q20/085 G06Q20/108 G06Q20/202 G06Q20/204 G06Q20/223 G06Q20/227 G06Q20/326 G06Q20/4016 G06Q20/4037 G06Q30/0238 G06Q30/0633 G06Q40/02

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Quick Facts

Patent No.: US 12699983
App. No.: 19/184,968
Granted: Aug 4, 2026
Kind: B2

External Links

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Abstract

A computer-implemented method of determining candidate peer-to-peer (P2P) platforms associated with a single transaction identifier is disclosed. In an example, a payment processing platform can receive data from a user device, the data associated with capture by the user device of a transaction identifier. The PPP determines that the transaction identifier is associated with multiple peer-to-peer (P2P) platforms. Information associated with the transaction (e.g., customer, merchant, etc.) is accessed. Candidate P2P platforms are identified based at least in part on determining that the each of the candidate P2P platform's contextual criterion for processing is met. The candidates are presented to the user via the user device, and an authorization request is sent to a user-selected P2P platform of the candidate P2P platforms.

Claims (68)

1 . A computer-implemented method comprising:

receiving, by one or more servers of a payment processing platform and from a user device of a customer, data associated with a capture by the user device of a transaction identifier relevant to the customer and a merchant;

determining, by the one or more servers of the payment processing platform, that the transaction identifier is associated with a plurality of peer-to-peer (P2P) payment platforms;

accessing, by the one or more servers of the payment processing platform, information associated with one or more of the customer, the merchant, or a transaction between the customer and the merchant;

identifying, by the one or more servers of the payment processing platform, one or more P2P payment platforms of the plurality of P2P payment platforms as candidate P2P payment platforms, wherein identifying an individual P2P payment platform as a candidate P2P payment platform comprises determining, based at least in part on the information associated with the at least one of the customer, the merchant, or the transaction, that the transaction meets at least one contextual criterion for processing specified by the individual P2P payment platform;

causing presentation, by the one or more servers of the payment processing platform and on a display of the user device, of an indication of the candidate P2P payment platforms and a prompt for a selection of one of the candidate P2P payment platforms; and

responsive to an indication of the selection of a selected P2P payment platform, sending, by the one or more servers of the payment processing platform and to one or more servers associated with the selected P2P payment platform, an authorization request to authorize payment for the transaction.

2 . The computer-implemented method of claim 1 , wherein the information associated with the one or more of the customer, the merchant, or the transaction comprises contextual criteria associated with at least one of a nature of the transaction, attributes of a location of the transaction, or urgency of the transaction.

3 . The computer-implemented method of claim 1 , wherein the contextual criterion for processing specified by the individual P2P payment platform comprises at least one of:

(a) a geographical location of the customer or the merchant,

(b) a historical transaction pattern associated with the customer or the merchant,

(d) a time of day when the transaction is initiated.

4 . The computer-implemented method of claim 1 , wherein the indication of the candidate P2P payment platforms is presented via a mobile payment application or a progressive web application.

5 . The computer-implemented method of claim 1 , further comprising:

determining, by the one or more servers of the payment processing platform and based at least in part on the information and a risk model specific to the individual P2P payment platform, that the transaction meets at least one risk criterion based at least on a threshold level of risk prescribed by the individual P2P payment platform,

wherein identifying the individual P2P payment platform as a candidate P2P payment platform is further based at least in part on the transaction meeting the at least one risk criterion for the individual P2P payment platform.

6 . The computer-implemented method of claim 5 , wherein determining that the transaction meets the at least one risk criterion comprises:

comparing a risk score to a threshold risk score associated with the individual P2P payment platform.

7 . The computer-implemented method of claim 5 , further comprising:

prioritizing, by the one or more servers of the payment processing platform, an order in which the candidate P2P payment platforms are presented based on a ranking score computed from contextual fit and risk score proximity to respective thresholds of risk.

8 . The computer-implemented method of claim 1 , wherein the prompt comprises a first prompt, the selection comprises a first selection, further comprising:

causing presentation, by the one or more servers of the payment processing platform and on the display of the user device, a plurality of selectable elements corresponding to a plurality of payment options and a second prompt for a second selection of one of the plurality of payment options, wherein a payment option of the plurality of payment options is a P2P payment option,

wherein the capture by the user device of the transaction identifier is associated with the selection of the P2P payment option.

9 . The computer-implemented method of claim 8 , wherein a first size of a first selectable element of the plurality of selectable elements is larger than a second size of a second selectable element of the plurality of selectable elements.

10 . The computer-implemented method of claim 1 , wherein the transaction identifier comprises a machine-readable code encoding a platform-independent identifier resolvable by the payment processing platform.

11 . A system comprising:

one or more processors; and

one or more non-transitory computer-readable media storing instructions executable by the one or more processors, wherein the instructions cause the one or more processors to perform acts comprising:

determining, by the one or more servers of the payment processing platform, that the transaction identifier is associated with a plurality of peer-to-peer (P2P) payment platforms;

12 . The system of claim 11 , wherein the information associated with the one or more of the customer, the merchant, or the transaction comprises contextual criteria associated with at least one of a nature of the transaction, attributes of a location of the transaction, or urgency of the transaction.

13 . The system of claim 11 , wherein the contextual criterion for processing specified by the individual P2P payment platform comprises at least one of:

(a) a geographical location of the customer or the merchant,

(b) a historical transaction pattern associated with the customer or the merchant,

(d) a time of day when the transaction is initiated.

14 . The system of claim 11 , the acts further comprising:

15 . The system of claim 14 , wherein determining that the transaction meets the at least one risk criterion comprises:

comparing, by the one or more servers of the payment processing platform, a risk score to a threshold risk score associated with the individual P2P payment platform.

16 . The system of claim 14 , the acts further comprising:

17 . One or more non-transitory computer-readable media storing instructions executable by one or more processors that, when executed by the one or more processors, cause the one or more processors to perform acts comprising:

determining, by the one or more servers of the payment processing platform, that the transaction identifier is associated with a plurality of peer-to-peer (P2P) payment platforms;

18 . The one or more non-transitory computer-readable media of claim 17 ,

wherein the information associated with the one or more of the customer, the merchant, or the transaction comprises contextual criteria associated with at least one of a nature of the transaction, attributes of a location of the transaction, or urgency of the transaction, and

wherein the contextual criterion for processing specified by the individual P2P payment platform comprises at least one of:

(a) a geographical location of the customer or the merchant,

(b) a historical transaction pattern associated with the customer or the merchant,

(d) a time of day when the transaction is initiated.

19 . The one or more non-transitory computer-readable media of claim 17 , the acts further comprising:

20 . The one or more non-transitory computer-readable media of claim 17 , wherein the prompt comprises a first prompt, the selection comprises a first selection, the acts further comprising:

wherein the capture by the user device of the transaction identifier is associated with the selection of the P2P payment option.