IP Library › Granted Patent US 12,488,330
Granted Patent B2
US 12,488,330 · App. 18/306,964 · Granted Dec 2, 2025

Transaction processing by multiple devices

Inventors: Edward Ruder (San Jose, CA); James Puls (San Francisco, CA); Mehdi Mulani (San Francisco, CA); Shawn Morel (San Francisco, CA); Grace Huey Chen (San Francisco, CA); Christopher Clark (San Francisco, CA); J. Bryan Scott (San Francisco, CA); Eric Monti (San Francisco, CA)
Assignee: Block, Inc.
G06Q20/322G06Q20/12G06Q20/3223G06Q20/4016
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Quick Facts
Patent No.
US 12,488,330
App. No.
18/306,964
Granted
Dec 2, 2025
Kind
B2
Abstract

In an example, a method can include receiving, at a merchant-facing portion of a payment system, data from a customer-facing portion of the payment system indicating a payment transaction between a merchant and a customer, wherein there is a physical connection between the portions; determining that the payment system is unable to access a remote payment service system via an external network; determining that the payment transaction is not preapproved for payment by the remote payment service system; storing the payment transaction on the merchant-facing portion even though the payment transaction is not preapproved; determining that the payment system is able to access the remote payment service system via the external network; and transmitting transaction information including the stored payment transaction to the remote payment service system, via the external network, for processing the stored payment transaction.

Claims (53)

1 . A method comprising:

receiving, at a merchant-facing portion of a payment system associated with a merchant, an indication of a payment transaction between the merchant and a customer from a customer-facing portion of the payment system, wherein the customer-facing portion is in communication with the merchant-facing portion via a physical connection to the merchant-facing portion, and wherein the payment system is configured to communicate with a computing device of a remote payment service system via an external network;

determining, by a processor of the merchant-facing portion, that the payment system is unable to access, via the external network, the computing device of the remote payment service system;

at least partly in response to determining that the payment system is unable to access the computing device of the remote payment service system via the external network, executing, by the processor, a risk heuristic model associated with the merchant;

determining, by the processor, that the payment transaction is not preapproved by the remote payment service system for payment based at least on executing the risk heuristic model;

storing, by the processor, data associated with the payment transaction on the merchant-facing portion of the payment system even though the payment transaction is not preapproved by the remote payment service system for payment;

pinging, by the processor, an IP (Internet protocol) address of the computing device of the remote payment service system via the external network at set intervals or at intervals established by an exponential backoff algorithm;

based at least in part on receiving a reply from the computing device of the remote payment service system that the processor is able to access the external network, determining, by the processor and after storing the data associated with the payment transaction, that the payment system is able to access the remote payment service system via the external network; and

at least partly in response to determining, by the processor, that the payment system is able to access the computing device of the remote payment service system via the external network:

transmitting, by the processor, transaction information including the stored data to the computing device of the remote payment service system, via the external network, for processing the payment transaction, wherein the transaction information causes the remote payment service system to process the payment transaction; and

modifying, by the processor, the risk heuristic model based on data received from the computing device of the remote payment service system, wherein the data is associated with historical transactions of the customer.

2 . The method of claim 1 , wherein executing the risk heuristic model comprises determining whether a value of the payment transaction surpasses a first value; determining whether a total value of payment transactions surpasses a second value, where the total value of the payment transactions comprises a sum of the value of the payment transaction and values of one or more transactions stored on the payment system; or determining whether a number of transactions stored on the payment system surpasses a maximum number.

3 . The method of claim 1 , wherein the physical connection comprises a connection via a data cable.

4 . The method of claim 1 , wherein the payment system is configured to communicate with the computing device of the remote payment service system via the external network via an application provided by the remote payment service system.

5 . The method of claim 1 , wherein the payment transaction is encrypted using a key before the storing, where the key is obtained from the remote payment service system.

6 . The method of claim 1 , wherein the stored data associated with the payment transaction is batched with additional stored data associated with at least one other transaction, and wherein the transaction information transmitted to the computing device of the remote payment service system further includes the additional stored data.

7 . The method of claim 1 , further comprising:

responsive to transmitting the transaction information, receiving at the payment system a receipt for the payment transaction from the remote payment service system.

8 . The method of claim 7 , wherein the receipt corresponding to the payment transaction is presented on a display of at least one of the merchant-facing portion or the customer-facing portion.

9 . 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:

receiving, at a merchant-facing portion of a payment system associated with a merchant, an indication of a payment transaction between the merchant and a customer from a customer-facing portion of the payment system, wherein the customer-facing portion is in communication with the merchant-facing portion via a physical connection to the merchant-facing portion, and wherein the payment system is configured to communicate with a computing device of a remote payment service system via an external network;

determining that the payment system is unable to access, via the external network, the computing device of the remote payment service system;

at least partly in response to determining that the payment system is unable to access the computing device of the remote payment service system via the external network, executing, by at least one processor in the merchant-facing portion of the payment system, a risk heuristic model associated with the merchant;

determining that the payment transaction is not preapproved by the remote payment service system for payment based at least on executing the risk heuristic model;

storing data associated with the payment transaction on the merchant-facing portion of the payment system even though the payment transaction is not preapproved by the remote payment service system for payment;

pinging an IP (Internet protocol) address of the computing device of the remote payment service system via the external network at set intervals or at intervals established by an exponential backoff algorithm;

based at least in part on receiving a reply from the computing device of the remote payment service system that the payment system is able to access the external network, determining, after storing the data associated with the payment transaction, that the payment system is able to access the remote payment service system via the external network; and

at least partly in response to determining that the payment system is able to access the computing device of the remote payment service system via the external network:

transmitting transaction information including the stored data to the computing device of the remote payment service system, via the external network, for processing the payment transaction, wherein the transaction information causes the remote payment service system to process the payment transaction; and

modifying the risk heuristic model based on data received from the computing device of the remote payment service system.

10 . The system of claim 9 , wherein executing the risk heuristic model comprises determining whether a value of the payment transaction surpasses a first value; determining whether a total value of payment transactions surpasses a second value, where the total value of the payment transactions comprises a sum of the value of the payment transaction and values of one or more transactions stored on the payment system; or determining whether a number of transactions stored on the payment system surpasses a maximum number.

11 . The system of claim 9 , wherein the physical connection comprises a connection via a data cable.

12 . The system of claim 9 , wherein the payment system is configured to communicate with the computing device of the remote payment service system via the external network via an application provided by the remote payment service system.

13 . The system of claim 9 , further comprising receiving a response from the computing device of the remote payment service system, wherein the response indicates an acceptance or a rejection of the payment transaction and is presented by at least one of the merchant-facing portion or the customer-facing portion.

14 . The system of claim 9 , wherein the payment transaction is encrypted using a key before the storing, where the key is obtained from the remote payment service system.

15 . 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:

receiving, at a merchant-facing portion of a payment system associated with a merchant, an indication of a payment transaction between the merchant and a customer from a customer-facing portion of the payment system, wherein the customer-facing portion is in communication with the merchant-facing portion via a physical connection to the merchant-facing portion, and wherein the payment system is configured to communicate with a computing device of a remote payment service system via an external network;

determining that the payment system is unable to access, via the external network, the computing device of the remote payment service system;

at least partly in response to determining that the payment system is unable to access the computing device of the remote payment service system via the external network, executing, by at least one processor in the merchant-facing portion of the payment system, a risk heuristic model associated with the merchant;

determining that the payment transaction is not preapproved by the remote payment service system for payment based at least on executing the risk heuristic model;

storing data associated with the payment transaction on the merchant-facing portion of the payment system even though the payment transaction is not preapproved by the remote payment service system for payment;

pinging an IP (Internet protocol) address of the computing device of the remote payment service system via the external network at set intervals or at intervals established by an exponential backoff algorithm;

based at least in part on receiving a reply from the computing device of the remote payment service system that the payment system is able to access the external network, determining, after storing the data associated with the payment transaction, that the payment system is able to access the remote payment service system via the external network; and

at least partly in response to determining that the payment system is able to access the computing device of the remote payment service system via the external network:

transmitting transaction information including the stored data to the computing device of the remote payment service system, via the external network, for processing the payment transaction, wherein the transaction information causes the remote payment service system to process the payment transaction; and

modifying the risk heuristic model based on data received from the computing device of the remote payment service system, wherein the data is associated with historical transactions of the customer.

16 . The one or more non-transitory computer-readable media of claim 15 , wherein the physical connection comprises a connection via a data cable.

17 . The one or more non-transitory computer-readable media of claim 15 , wherein the payment system is configured to communicate with the computing device of the remote payment service system via the external network via an application provided by the remote payment service system.

18 . The one or more non-transitory computer-readable media of claim 15 , wherein the customer-facing portion is detachable from the merchant-facing portion.

19 . The one or more non-transitory computer-readable media of claim 15 , wherein the customer-facing portion includes a payment card reader.

20 . The one or more non-transitory computer-readable media of claim 15 , wherein the payment system is configured for use in a vehicle.

Assignments (2)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Apr 25, 2023
From: RUDER, EDWARD; PULS, JAMES; MULANI, MEHDI; MOREL, SHAWN; CHEN, GRACE HUEY; CLARK, CHRISTOPHER; SCOTT, J. BRYAN; MONTI, ERIC
To: SQUARE, INC.
Reel/Frame 063438/0056 →
CHANGE OF NAME Recorded Apr 25, 2023
From: SQUARE, INC.
To: BLOCK, INC.
Reel/Frame 063455/0056 →
Continuity (5)
Continuation 17900690 · Aug 31, 2022
Continuation 16681217 · Nov 12, 2019
Continuation 13797390 · Mar 12, 2013
Provisional Application 61672228 · Jul 16, 2012
Related Publication 20230316255A1 · Oct 5, 2023
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