Granted Patent B2

US 12,632,844 · App. 18/627,331 · Granted May 19, 2026

Inventors: Kyle Matson (San Francisco, CA); Wesley Kim (San Francisco, CA); Christopher Lang Mocko (San Francisco, CA); Edward Chung (San Francisco, CA); Robert Harrison Gilliam (San Francisco, CA)

Assignee: Block, Inc.

G06Q20/202G06Q20/4016G06Q20/405G06Q20/407

Abstract

Claims (60)

1 . A method comprising:

sending, by a point-of-sale (POS) device associated with a merchant and to one or more computing devices of a service provider, transaction data associated with a plurality of transactions of the merchant, wherein the transaction data includes authorization for individual payment amounts for the plurality of transactions;

receiving, by the POS device and from the one or more computing devices, an indication of one or more eligible transactions eligible for expedited payment to the merchant, wherein the expedited payment comprises a near real-time transfer of funds to a financial account of the merchant, and wherein the one or more eligible transactions are identified based at least in part on an analysis performed by the one or more computing devices;

receiving, by the POS device and from the one or more computing devices, data that causes presentation, via a display of the POS device, of a user interface including a listing of merchant transactions including a representation of the one or more eligible transactions;

receiving, by the POS device and from the one or more computing devices, data that causes presentation, via the display of the POS device, of a first pop-up window overlaid on the user interface, wherein the first pop-up window includes a first selectable display element selectable to request the expedited payment of at least one eligible transaction of the one or more eligible transactions, and a second selectable display element selectable to dismiss an option for expedited payment and remove the first pop-up window;

receiving, via the user interface, an indication of a selection of the first selectable display element;

sending, by the POS device and to the one or more computing devices, the indication of the selection;

receiving, by the POS device and from the one or more computing devices, an indication that the one or more computing devices has initiated the expedited payment for the at least one eligible transaction to the financial account of the merchant;

receiving, by the POS device and from the one or more computing devices, data that causes presentation, via the display of the POS device, of a second pop-up window, wherein the second pop-up window comprises an indication that a financial institution associated with the financial account of the merchant has confirmed a successful payment of a total amount;

reconfiguring the user interface to remove the at least one eligible transaction from the listing of merchant transactions; and

based at least in part on a predetermined time occurring, receiving, by the POS device and from the one or more computing devices, an indication that the financial institution has confirmed a batch funds transfer has occurred, wherein the batch funds transfer includes depositing payments for transactions that are ineligible for expedited payment into the financial account of the merchant.

2 . The method of claim 1 , wherein a particular transaction of the one or more eligible transactions is determined to be eligible for the expedited payment based at least in part on a score associated with the particular transaction satisfying a criterion, wherein the score is associated with a risk of subsequent chargeback for the particular transaction.

3 . The method of claim 1 , wherein the one or more eligible transactions are determined to be eligible for the expedited payment based at least in part on at least one of the transaction data, merchant data, or customer data.

4 . The method of claim 1 , further comprising:

receiving, by the POS device and from the one or more computing devices, an indication of one or more ineligible transactions ineligible for expedited payment to the merchant.

5 . The method of claim 4 , wherein a particular transaction of the one or more ineligible transactions is determined to be ineligible for the expedited payment based at least in part on a score associated with the particular transaction, wherein the score is associated with a risk of subsequent chargeback for the ineligible transaction satisfying a criterion.

6 . The method of claim 4 , further comprising:

receiving, by the POS device, an indication that the one or more computing devices has initiated non-expedited payment for at least one of the one or more ineligible transactions to the financial account of the merchant.

7 . The method of claim 1 , wherein the one or more eligible transactions are determined to be eligible for the expedited payment based at least in part on determining that a payment network associated with a payment instrument of the merchant supports the expedited payment.

8 . The method of claim 7 , wherein a determination that the payment network associated with the payment instrument supports expediting payments is based at least in part on historical transactions associated with the payment instrument.

9 . The method of claim 7 , wherein a determination that the payment network supports expediting payments increases a speed of performing the analysis.

10 . The method of claim 1 , wherein the first pop-up window further includes a third selectable display element selectable to decline expedited payment of an eligible transaction.

11 . The method of claim 1 , wherein the first pop-up window further comprises an indication of a summed amount of the one or more eligible transactions.

12 . The method of claim 1 , further comprising:

responsive at least in part to initiation of the expedited payment, presenting an indication of a total amount of the expedited payment.

13 . The method of claim 1 ,

wherein the indication that the financial institution has confirmed the batch funds transfer has occurred, is presented via a third pop-up window.

14 . A point-of-sale (POS) device 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:

sending, to one or more computing devices of a service provider, transaction data associated with a plurality of transactions of a merchant associated with the POS device, wherein the transaction data includes authorization for individual payment amounts for the plurality of transactions;

receiving, from the one or more computing devices, an indication of one or more eligible transactions eligible for expedited payment to the merchant, wherein the expedited payment comprises a near real-time transfer of funds to a financial account of the merchant, and wherein the one or more eligible transactions are identified based at least in part on an analysis performed by the one or more computing devices;

receiving, by the POS device and from the one or more computing devices, data that causes presentation, via a display, of a user interface including a listing of merchant transactions including a representation of the one or more eligible transactions;

receiving, by the POS device and from the one or more computing devices, data that causes presentation, via the display, of a first pop-up window overlaid on the user interface, wherein the first pop-up window includes a first selectable display element selectable to request the expedited payment of at least one eligible transaction of the one or more eligible transactions, and a second selectable display element selectable to dismiss an option for expedited payment and remove the first pop-up window;

receiving, via the user interface, an indication of a selection of the first selectable display element;

sending, to the one or more computing devices, the indication of the selection;

receiving, from the one or more computing devices, an indication that the one or more computing devices has initiated the expedited payment for the at least one eligible transaction to the financial account of the merchant;

receiving, by the POS device and from the one or more computing devices, data that causes presentation, via the display of the POS device, of a second pop-up window, wherein the second pop-up window comprises an indication that a financial institution associated with the financial account of the merchant has confirmed a successful payment of a total amount;

reconfiguring the user interface to remove the at least one eligible transaction from the listing of merchant transactions; and

based at least in part on a predetermined time occurring, receiving, from the one or more computing devices, an indication that the financial institution has confirmed a batch funds transfer has occurred, wherein the batch funds transfer includes depositing payments for transactions that are ineligible for expedited payment into the financial account of the merchant.

15 . The POS device of claim 14 , the acts further comprising:

receiving, by the POS device and from the one or more computing devices, an indication of one or more ineligible transactions ineligible for expedited payment to the merchant.

16 . The POS device of claim 15 , the acts further comprising:

receiving, by the POS device, an indication that the one or more computing devices has initiated non-expedited payment for at least one of the one or more ineligible transactions to the financial account of the merchant.

17 . The POS device of claim 14 , wherein the first pop-up window further includes a third selectable display element selectable to decline expedited payment of an eligible transaction.

18 . The POS device of claim 14 , wherein the first pop-up window further comprises an indication of a summed amount of the one or more eligible transactions.

19 . 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:

sending, to one or more computing devices of a service provider, transaction data associated with a plurality of transactions of a merchant, wherein the transaction data includes authorization for individual payment amounts for the plurality of transactions;

receiving, from the one or more computing devices, an indication of one or more eligible transactions eligible for expedited payment to the merchant, wherein the expedited payment comprises a near real-time transfer of funds to a financial account of the merchant, and wherein the one or more eligible transactions are identified based at least in part on an analysis performed by the one or more computing devices;

receiving, data that causes presentation, via a display, of a user interface including a listing of merchant transactions including a representation of the one or more eligible transactions;

receiving, data that causes presentation, via the display, of a first pop-up window overlaid on the user interface, wherein the first pop-up window includes a first selectable display element selectable to request the expedited payment of at least one eligible transaction of the one or more eligible transactions, and a second selectable display element selectable to dismiss an option for expedited payment and remove the first pop-up window;

receiving, via the user interface, an indication of a selection of the first selectable display element;

sending, to the one or more computing devices, the indication of the selection;

receiving, from the one or more computing devices, an indication that the one or more computing devices has initiated the expedited payment for the at least one eligible transaction to the financial account of the merchant;

receiving, data that causes presentation, via the display, of a second pop-up window, wherein the second pop-up window comprises an indication that a financial institution associated with the financial account of the merchant has confirmed a successful payment of a total amount;

reconfiguring the user interface to remove the at least one eligible transaction from the listing of merchant transactions; and

based at least in part on a predetermined time occurring, receiving, from the one or more computing devices, an indication that the financial institution has confirmed a batch funds transfer has occurred, wherein the batch funds transfer includes depositing payments for transactions that are ineligible for expedited payment into the financial account of the merchant.

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

receiving, from the one or more computing devices, an indication of one or more ineligible transactions ineligible for expedited payment to the merchant; and

receiving, from the one or more computing devices, an indication that the one or more computing devices has initiated non-expedited payment for at least one of the one or more ineligible transactions to the financial account of the merchant.

Assignments (2)

Continuity (4)

References Cited (118)