Granted Patent B1

US 10,909,525 · App. 16/698,302 · Granted Feb 2, 2021

Inventors: Ashutosh Sham Dhodapkar (Fremont, CA); Dino Dai Zovi (Brooklyn, NY)

Assignee: Square, Inc.

G06Q20/3278G06Q20/3223G06Q20/3276G06Q20/3672G06Q20/42

Abstract

Claims (68)

1. A method, executed by one or more computing devices associated with a payment service, comprising:

receiving, from an application associated with the payment service and executing on a mobile device of a sender, a request to transfer funds from an account associated with the sender to an account associated with a recipient, wherein the accounts are managed by the payment service, wherein the request to transfer funds was generated by:

receiving, at the mobile device of the sender via near-field communication (NFC) with a NFC-enabled payment card associated with the recipient, a first token, wherein the first token is programmed on an application executing on the NFC-enabled payment card associated with the recipient by the payment service, wherein the first token is operable to initiate the request to transfer funds to the recipient within the application associated with the payment service and executing on the mobile device of the sender in response to receiving the first token; and

determining, by the application executing on the mobile device of the sender, that the first token is associated with the recipient;

sending, in response to receiving the request to transfer funds, to the application executing on the mobile device of the sender, a request to authorize the request to transfer funds to the account associated with the recipient;

receiving, from the mobile device of the sender, an indication of authorization from the sender, wherein the indication of authorization is generated by:

receiving, at the mobile device of the sender through near-field communication with a NFC-enabled payment card associated with the sender, a second token, wherein the second token is programmed into an application executing on the NFC-enabled payment card associated with the sender by the payment service; and

determining that the second token is associated with the sender; and

initiating the transfer of funds between the respective accounts.

2. The method of claim 1 , further comprising:

determining that the request to transfer funds requires security verification by the sender; and

wherein the request to authorize the request to transfer funds to the account associated with the recipient comprises a prompt for security verification.

3. The method of claim 2 , wherein determining that the request to transfer funds requires security verification by the sender comprises:

determining that an amount of funds specified in the request to transfer funds is greater than a threshold amount.

4. The method of claim 1 , wherein the request to transfer funds is originated by the application executing on a mobile device of the recipient.

5. A method, executed by one or more computing devices associated with a payment service, comprising:

receiving, from a computing device of a first user, a request to perform an action between a first account associated with the first user and a second account associated with a second user, wherein the first account and the second account are maintained by the payment service, and wherein the request to perform the action was generated by:

receiving a first token at the computing device of the first user through near-field communication (NFC) with a first payment card, wherein the first token is operable to initiate the request to perform the action on the computing device of the first user in response to receiving the first token; and

determining that the first token is associated with the second user;

receiving, from the computing device of the first user, an indication of authorization, wherein the indication of authorization is generated by:

receiving a second token at the computing device of the first user through near-field communication with a second payment card; and

determining that the second token is associated with the first user; and

initiating the action between the first account and the second account.

6. The method of claim 5 , further comprising:

determining that the action requires security verification by the first user; and

sending, in response to determining that the action requires security verification, to the computing device of the first user, a prompt for security verification.

7. The method of claim 5 , wherein the request to perform the action comprises a payment request to transfer an amount of funds between the first account and the second account.

8. The method of claim 5 , further comprising:

receiving, from a computing device of the second user, another indication of authorization, wherein the other indication of authorization is generated by:

receiving the first token at the computing device of the second user through near-field communication with the first payment card, wherein the computing device of the first user comprises a point of sale system and the computing device of the second user is a mobile computing device.

9. The method of claim 5 , wherein the request to perform the action is originated by an application executing on the computing device of the first user.

10. The method of claim 5 , wherein the request to perform the action is a request to authorize the second user to use a specified amount of funds of the first account, and wherein the request to authorize the second user to use a specified amount of funds comprises delegation parameters comprising one or more of:

a time of use restriction,

a location of use restriction, or

a merchant of use restriction.

11. A payment service system comprising:

one or more processors; and

one or more computer-readable non-transitory storage media coupled to one or more of the processors and comprising instructions operable when executed by one or more of the processors to cause the payment service system to:

receive, from a computing device of a first user, a request to perform an action between a first account associated with the first user and a second account associated with a second user, wherein the first account and the second account are maintained by the payment service, and wherein the request to perform the action was generated by:

receive a first token at the computing device of the first user through near-field communication (NFC) with a first payment card, wherein the first token is operable to initiate the request to perform the action on the computing device of the first user in response to receiving the first token; and

determine that the first token is associated with the second user;

receive, from the computing device of the first user, an indication of authorization, wherein the indication of authorization is generated by:

receive a second token at the computing device of the first user through near-field communication with a second payment card; and

determine that the second token is associated with the first user; and

initiate the action between the first account and the second account.

12. The payment service system of claim 11 , wherein the instructions are further operable when executed by one or more of the processors to cause the payment service system to:

determine that the action requires security verification by the first user; and

send, in response to determining that the action requires security verification, to the computing device of the first user, a prompt for security verification.

13. The payment service system of claim 11 , wherein the request to perform the action comprises a payment request to transfer an amount of funds between the first account and the second account.

14. The payment service system of claim 11 , wherein the instructions are further operable when executed by one or more of the processors to cause the payment service system to:

receive, from a computing device of the second user, another indication of authorization, wherein the other indication of authorization is generated by:

receiving the first token at the computing device of the second user through near-field communication with the first payment card, wherein the computing device of the first user comprises a point of sale system and the computing device of the second user is a mobile computing device.

15. The payment service system of claim 11 , wherein the request to perform the action is originated by an application executing on the computing device of the first user.

16. One or more computer-readable non-transitory storage media embodying software that is operable when executed by one or more processors of a payment service system to:

receive, from a computing device of a first user, a request to perform an action between a first account associated with the first user and a second account associated with a second user, wherein the first account and the second account are maintained by the payment service, and wherein the request to perform the action was generated by:

receive a first token at the computing device of the first user through near-field communication (NFC) with a first payment card, wherein the first token is operable to initiate the request to perform the action on the computing device of the first user in response to receiving the first token; and

determine that the first token is associated with the second user;

receive, from the computing device of the first user, an indication of authorization, wherein the indication of authorization is generated by:

receive a second token at the computing device of the first user through near-field communication with a second payment card; and

determine that the second token is associated with the first user; and initiate the action between the first account and the second account.

17. The computer-readable non-transitory storage media of claim 16 , wherein the software is further operable when executed by one or more processors of the payment service system to:

determine that the action requires security verification by the first user; and

send, in response to determining that the action requires security verification, to the computing device of the first user, a prompt for security verification.

18. The computer-readable non-transitory storage media of claim 16 , wherein the request to perform the action comprises a payment request to transfer an amount of funds between the first account and the second account.

19. The computer-readable non-transitory storage media of claim 16 , wherein the software is further operable when executed by one or more processors of the payment service system to:

receive, from a computing device of the second user, another indication of authorization, wherein the other indication of authorization is generated by:

receiving the first token at the computing device of the second user through near-field communication with the first payment card, wherein the computing device of the first user comprises a point of sale system and the computing device of the second user is a mobile computing device.

20. The computer-readable non-transitory storage media of claim 16 , wherein the request to perform the action is originated by an application executing on the computing device of the first user.

Assignments (2)

Cited By (74)

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