Granted Patent B2

US 12,307,435 · App. 18/314,816 · Granted May 20, 2025

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.

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

Abstract

Claims (56)

1. A method comprising:

causing presentation, by a peer-to-peer payment platform and via a web browser executing on a mobile device of a user, of a merchant web page associated with a merchant, wherein the merchant web page includes an actuation mechanism for selection of the peer-to-peer payment platform as a payment method in an ecommerce transaction;

detecting interaction with the actuation mechanism;

causing presentation, by the peer-to-peer payment platform and via the web browser, of a prompt for a user identifier;

receiving, by the peer-to-peer payment platform, the user identifier and transaction data associated with the ecommerce transaction between the user and the merchant;

processing, by the peer-to-peer payment platform, payment for the ecommerce transaction, wherein the processing comprises, without login to a user account associated with the user after the interaction with the actuation mechanism:

using the user identifier to identify the user account; and

withdrawing funds from a stored balance of the user account to transfer to a merchant account of the merchant; and

causing presentation, by the peer-to-peer payment platform via the web browser, of at least a portion of the transaction data.

2. The method of claim 1 , wherein the portion of the transaction data comprises one or more of one or more items being added to a virtual cart, a total cost of the ecommerce transaction, or an identification of the merchant.

3. The method of claim 1 , wherein the portion of the transaction data comprises a total cost of the ecommerce transaction, and wherein causing presentation of the at least the portion of the transaction data comprises causing presentation of a tipping user interface.

4. The method of claim 3 , further comprising:

receiving, by the peer-to-peer payment platform via an input to the tipping user interface, a tip amount to be added to the total cost of the ecommerce transaction;

determining, by the peer-to-peer payment platform and based at least in part on a determination to authorize the payment, that the tip amount is also authorized; and

transmitting, by the peer-to-peer payment platform, additional funds, equal to the tip amount, from the stored balance of the user account to the merchant account of the merchant.

5. The method of claim 1 , wherein the portion of the transaction data comprises an identification of the merchant, the method further comprising:

causing presentation, by the peer-to-peer payment platform via the web browser, of an incentive associated with the merchant.

6. The method of claim 1 , wherein the portion of the transaction data comprises an identification of an item to be purchased via the ecommerce transaction, the method further comprising:

causing presentation, by the peer-to-peer payment platform via the web browser, an incentive associated with the item.

7. The method of claim 1 , wherein the actuation mechanism is associated with a payment type selection user interface.

8. The method of claim 1 , wherein the user identifier comprises at least one of a phone number, an email address, a biometric identifier, or a username.

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 actions comprising:

causing presentation, by a peer-to-peer payment platform and via a web browser executing on a mobile device of a user, of a merchant web page associated with a merchant, wherein the merchant web page includes an actuation mechanism for selection of the peer-to-peer payment platform as a payment method in an ecommerce transaction;

detecting interaction with the actuation mechanism;

causing presentation, by the peer-to-peer payment platform and via the web browser, of a prompt for a user identifier;

receiving, by the peer-to-peer payment platform, the user identifier and transaction data associated with the ecommerce transaction between the user and the merchant;

processing, by the peer-to-peer payment platform, payment for the ecommerce transaction, wherein the processing comprises, without login to a user account associated with the user after the interaction with the actuation mechanism:

using the user identifier to identify the user account; and

withdrawing funds from a stored balance of the user account to transfer to a merchant account of the merchant; and

causing presentation, by the peer-to-peer payment platform via the web browser, of at least a portion of the transaction data.

10. The system of claim 9 , wherein the portion of the transaction data comprises one or more of one or more items being added to a virtual cart, a total cost of the ecommerce transaction, or an identification of the merchant.

11. The system of claim 9 , wherein the portion of the transaction data comprises a total cost of the ecommerce transaction, and wherein causing presentation of the at least the portion of the transaction data comprises causing presentation of a tipping user interface.

12. The system of claim 11 , the actions further comprising:

receiving, by the peer-to-peer payment platform via an input to the tipping user interface, a tip amount to be added to the total cost of the ecommerce transaction;

determining, by the peer-to-peer payment platform and based at least in part on a determination to authorize the payment, that the tip amount is also authorized; and

transmitting, by the peer-to-peer payment platform, additional funds, equal to the tip amount, from the stored balance of the user account to the merchant account of the merchant.

13. The system of claim 9 , wherein the portion of the transaction data comprises an identification of the merchant, the actions further comprising:

causing presentation, by the peer-to-peer payment platform via the web browser, of an incentive associated with the merchant.

14. The system of claim 9 , wherein the portion of the transaction data comprises an identification of an item to be purchased via the ecommerce transaction, the actions further comprising:

causing presentation, by the peer-to-peer payment platform via the web browser, of an incentive associated with the item.

15. The system of claim 9 , wherein the actuation mechanism is associated with a payment type selection user interface.

16. The system of claim 9 , wherein the user identifier comprises at least one of a phone number, an email address, a biometric identifier, or a username.

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 actions comprising:

causing presentation, by a peer-to-peer payment platform and via a web browser executing on a mobile device of a user, of a merchant web page associated with a merchant, wherein the merchant web page includes an actuation mechanism for selection of the peer-to-peer payment platform as a payment method in an ecommerce transaction;

detecting interaction with the actuation mechanism;

causing presentation, by the peer-to-peer payment platform via the web browser, of a prompt for a user identifier;

receiving, by the peer-to-peer payment platform, the user identifier and transaction data associated with the ecommerce transaction between the user and the merchant;

processing, by the peer-to-peer payment platform, payment for the ecommerce transaction, wherein the processing comprises, without login to a user account associated with the user after the interaction with the actuation mechanism:

using the user identifier to identify the user account; and

withdrawing funds from a stored balance of the user account to transfer to a merchant account of the merchant; and

causing presentation, by the peer-to-peer payment platform via the web browser, of at least a portion of the transaction data.

18. The one or more non-transitory computer-readable media of claim 17 , wherein the portion of the transaction data comprises one or more of one or more items being added to a virtual cart, a total cost of the ecommerce transaction, or an identification of the merchant.

19. The one or more non-transitory computer-readable media of claim 17 , wherein the actuation mechanism is associated with a payment type selection user interface.

20. The one or more non-transitory computer-readable media of claim 17 , wherein the user identifier comprises at least one of a phone number, an email address, a biometric identifier, or a username.

Assignments (2)

Continuity (4)

References Cited (221)