Granted Patent B1

US 12,321,919 · App. 17/824,273 · Granted Jun 3, 2025

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

Assignee: Block, Inc.

G06Q20/3276G06Q20/3224G06Q20/3672

Abstract

Claims (74)

1. A method comprising, by a payment service computing platform associated with a payment service:

receiving, from an application executing on a first electronic device of a first user of the payment service, a request to generate a matrix barcode, wherein the payment service computing platform has a first database of generated matrix barcodes and a second database of tokens, each of the tokens being configured to be associated with one of the generated matrix barcodes;

selecting a token from among the tokens in association with the matrix barcode;

receiving, from the application, instructions to associate an action with the token corresponding to the matrix barcode, the action involving a first account associated with the first user;

associating the token with the action and the first account associated with the first user;

receiving, from a second electronic device of a second user of the payment service, the token and a first set of contextual information, wherein the token is received subsequent to an interaction with the matrix barcode by the second electronic device;

identifying the action associated with the first matrix barcode based at least in part on the token and the first set of contextual information;

causing a user interface to be displayed on the second electronic device, wherein the user interface comprises one or more interface elements for collecting payment information from the second user for initiating a payment to the first user;

receiving the payment information of the second user; and

initiating the payment to the first user based at least in part on the payment information of the second user.

2. The method of claim 1 , wherein the user interface is customized prior to display on the second electronic device based at least in part on the first set of contextual information or information embedded within the matrix barcode.

3. The method of claim 1 , wherein the action is further associated with a specified time,

wherein the first set of contextual information comprises a current time, and

wherein identifying the action associated with the first matrix barcode based at least in part on the token and the first set of contextual information comprises comparing the current time and the specified time.

4. The method of claim 1 , wherein the action is further associated with a specified location,

wherein the first set of contextual information comprises a current location associated with the second electronic device, and

wherein identifying the action associated with the first matrix barcode based at least in part on the token and the first set of contextual information comprises comparing the current location and the specified location.

5. The method of claim 1 , further comprising:

associating the token with at least one additional action by the payment service involving the first account,

wherein the action and each at least one additional action is associated with respective contextual information, and

wherein identifying the action associated with the first matrix barcode comprises selecting the action based on comparison of the first set of contextual information and the respective contextual information associated with the action and each at least one additional action.

6. The method of claim 1 , wherein the instruction to associate the token corresponding to the matrix barcode with the action by the payment service is received subsequent to a first interaction with the matrix barcode by the first electronic device.

7. The method of claim 1 , further comprising:

receiving, from the application executing on the first electronic device of the first user, an instruction to modify the action by the payment service associated with the token; and

associating the token with the modified action by the payment service and the first account without modifying the matrix barcode corresponding to the token.

8. The method of claim 1 , wherein the token and the first set of contextual information are received from a third-party application executing on the second electronic device of the second user.

9. The method of claim 1 , wherein the token and the first set of contextual information are received from a second application associated with the payment service executing on the second electronic device, and

wherein the second application receives at least the token from a third-party application executing on the second electronic device.

10. The method of claim 1 , further comprising, subsequent to causing the user interface to be displayed on the second electronic device, causing a verification message to be delivered to a communication address of the second user,

wherein the payment to the first user is initiated after receiving a confirmation message from the second user verifying the payment to the first user.

11. A payment service computing platform associated with a payment service, the payment service computing platform comprising:

one or more processors; and

one or more computer-readable non-transitory storage media coupled to the one or more processors and comprising instructions which, when executed by the one or more processors, cause the payment service computing platform to:

receive, from an application executing on a first electronic device of a first user of the payment service, a request to generate a matrix barcode, wherein the payment service computing platform has a first database of generated matrix barcodes and a second database of tokens, each of the tokens being configured to be associated with one of the generated matrix barcodes;

select a token from among the tokens in association with the matrix barcode;

receive, from the application, instructions to associate an action with the token corresponding to the matrix barcode, the action involving a first account associated with the first user;

associate the token with the action and the first account associated with the first user;

receive, from a second electronic device of a second user of the payment service, the token and a first set of contextual information, wherein the token is received subsequent to an interaction with the matrix barcode by the second electronic device;

identify the action associated with the first matrix barcode based at least in part on the token and the first set of contextual information;

cause a user interface to be displayed on the second electronic device, wherein the user interface comprises one or more interface elements for collecting payment information from the second user for initiating a payment to the first user;

receive the payment information of the second user; and

initiate the payment to the first user based at least in part on the payment information of the second user.

12. The payment service computing platform of claim 11 , wherein the user interface is customized prior to display on the second electronic device based at least in part on the first set of contextual information or information embedded within the matrix barcode.

13. The payment service computing platform of claim 11 , wherein the action is further associated with a specified time,

wherein the first set of contextual information comprises a current time, and

wherein identifying the action associated with the first matrix barcode based at least in part on the token and the first set of contextual information comprises comparing the current time and the specified time.

14. The payment service computing platform of claim 11 , wherein the action is further associated with a specified location,

wherein the first set of contextual information comprises a current location associated with the second electronic device, and

wherein identifying the action associated with the first matrix barcode based at least in part on the token and the first set of contextual information comprises comparing the current location and the specified location.

15. The payment service computing platform of claim 11 , wherein the instructions, when executed by the one or more processors further cause the payment service computing platform to:

associate the token with at least one additional action by the payment service involving the first account,

wherein the action and each at least one additional action is associated with respective contextual information, and

wherein identifying the action associated with the first matrix barcode comprises selecting the action based on comparison of the first set of contextual information and the respective contextual information associated with the action and each at least one additional action.

16. One or more computer-readable non-transitory storage media comprising instructions that, when executed by one or more processors of a payment service computing platform associated with a payment service, cause the payment service computing platform to:

receive, from an application executing on a first electronic device of a first user of the payment service, a request to generate a matrix barcode, wherein the payment service computing platform has a first database of generated matrix barcodes and a second database of tokens, each of the tokens being configured to be associated with one of the generated matrix barcodes;

select a token from among the tokens in association with the matrix barcode;

receive, from the application, instructions to associate an action with the token corresponding to the matrix barcode, the action involving a first account associated with the first user;

associate the token with the action and the first account associated with the first user;

receive, from a second electronic device of a second user of the payment service, the token and a first set of contextual information, wherein the token is received subsequent to an interaction with the matrix barcode by the second electronic device;

identify the action associated with the first matrix barcode based at least in part on the token and the first set of contextual information;

cause a user interface to be displayed on the second electronic device, wherein the user interface comprises one or more interface elements for collecting payment information from the second user for initiating a payment to the first user;

receive the payment information of the second user; and

initiate the payment to the first user based at least in part on the payment information of the second user.

17. The one or more computer-readable non-transitory storage media of claim 16 , wherein the user interface is customized prior to display on the second electronic device based at least in part on the first set of contextual information or information embedded within the matrix barcode.

18. The one or more computer-readable non-transitory storage media of claim 16 , wherein the action is further associated with a specified time,

wherein the first set of contextual information comprises a current time, and

wherein identifying the action associated with the first matrix barcode based at least in part on the token and the first set of contextual information comprises comparing the current time and the specified time.

19. The one or more computer-readable non-transitory storage media of claim 16 , wherein the action is further associated with a specified location,

wherein the first set of contextual information comprises a current location associated with the second electronic device, and

wherein identifying the action associated with the first matrix barcode based at least in part on the token and the first set of contextual information comprises comparing the current location and the specified location.

20. The one or more computer-readable non-transitory storage media of claim 16 , wherein the instructions, when executed by the one or more processors of the payment service computing platform, further cause the payment service computing platform to:

associate the token with at least one additional action by the payment service involving the first account,

wherein the action and each at least one additional action is associated with respective contextual information, and

wherein identifying the action associated with the first matrix barcode comprises selecting the action based on comparison of the first set of contextual information and the respective contextual information associated with the action and each at least one additional action.

Assignments (2)

Continuity (1)

References Cited (15)