IP Library › Granted Patent US 12,619,968
Granted Patent B2
US 12,619,968 · App. 16/924,802 · Granted May 5, 2026

Location-based transaction completion

Inventors: Kartik S. Lamba (Berkeley, CA); Grace Huey Chen (San Francisco, CA); Mathew Wilson (San Francisco, CA)
Assignee: Block, Inc.
G06Q20/14G06Q20/3224
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Quick Facts
Patent No.
US 12,619,968
App. No.
16/924,802
Granted
May 5, 2026
Kind
B2
Abstract

In some examples, a buyer in a group may leave an establishment associated with a merchant with an open bill. In response to the buyer leaving the establishment, a transaction associated with that buyer can be completed to pay the buyer's portion of the bill. As one example, a payment service system can receive first beacon information that identifies the presence of a first device at a merchant location. The first device may be associated with a buyer in a group (e.g., a group dining at a restaurant), where the buyer has a transaction record with the merchant. The payment service system can receive second beacon information identifying a second location of the first device that is not associated with the merchant. In response to the first device no longer being present at the merchant location, payment service system can complete the transaction between the buyer and the merchant.

Claims (72)

1 . A payment service system comprising:

one or more memories having computer-readable instructions stored therein; and

one or more processors configured to execute the computer-readable instructions to:

receive, from one or more devices communicatively coupled to the payment service system, first beacon information of a first wireless beacon detected by the one or more devices in proximity of the one or more devices, the first wireless beacon identifying a first location within an establishment of a merchant at which one or more customers associated with the one or more devices are located, each of the one or more customers and the merchant having a corresponding account with the payment service system;

identify the establishment based on the first location identified in the first beacon information;

associate the one or more devices of the one or more customers with a group conducting transactions with the merchant;

maintain communication sessions with the one or more devices in the group and a merchant device of the merchant to generate a respective transaction record for each of the one or more customers in the group, each respective transaction record identifying one or more of the transactions conducted by a respective one of the one or more customers;

receive second beacon information of a second wireless beacon at a second location associated with the establishment, wherein

the second beacon information identifies a presence of a first device, from among the one or more devices, at the second location,

the second beacon information indicates that the first device is no longer present at the establishment, and

the second beacon information is received while at least a second device from among the one or more devices remains with the group and present at the first location when the first device is no longer present at the establishment; and

process a cardless payment for an amount owed for the respective transaction record associated with a respective customer of the first device after receiving the second beacon information indicating that the first device is no longer present at the establishment, wherein the cardless payment is processed without an exchange of payment information between the first device and any one of the payment service system and the merchant device.

2 . The payment service system of claim 1 , wherein the one or more processors are further configured to execute the computer-readable instructions to send a notification to the merchant device, the notification including an indication of a processed payment for the amount owed.

3 . The payment service system of claim 1 , wherein the first wireless beacon is installed at a table at which the one or more customers sit once at the establishment and the second beacon information is received from a second wireless beacon installed at an entrance of the establishment.

4 . The payment service system of claim 1 , wherein the one or more processors are further configured to execute the computer-readable instructions to:

receive, from the merchant device, menu information for one or more items offered for purchase at the establishment;

send the menu information to the one or more devices of the one or more customers;

receive, from the one or more devices, an order for at least one of the one or more items based at least in part on the menu information;

send the order and the first location to the merchant device; and

generate the respective transaction record to include the order.

5 . The payment service system of claim 1 , wherein the one or more processors are configured to execute the computer-readable instructions to process the cardless payment by:

charging the corresponding account of the respective customer of the first device at the payment service system for the amount owed; and

crediting the corresponding account of the merchant at the payment service system for the amount owed.

6 . The payment service system of claim 1 , wherein the second beacon information is received from the first device or the merchant device.

7 . The payment service system of claim 1 , wherein each of the first device and the merchant device has a respective application executed thereon, the respective application being provided by the payment service system.

8 . One or more non-transitory computer-readable media comprising computer-readable instructions, which when executed by one or more processors of a payment service system, cause the payment service system to:

receive, from one or more devices communicatively coupled to the payment service system, first beacon information of a first wireless beacon detected by the one or more devices in proximity of the one or more devices, the first wireless beacon identifying a first location within an establishment of a merchant at which one or more customers associated with the one or more devices are located, each of the one or more customers and the merchant having a corresponding account with the payment service system;

identify the establishment based on the first location identified in the first beacon information;

associate the one or more devices of the one or more customers with a group conducting transactions with the merchant;

maintain communication sessions with the one or more devices in the group and a merchant device of the merchant to generate a respective transaction record for each of the one or more customers in the group, each respective transaction record identifying one or more of the transactions conducted by a respective one of the one or more customers;

receive second beacon information of a second wireless beacon at a second location associated with the establishment, wherein

the second beacon information identifies a presence of a first device, from among the one or more devices, at the second location,

the second beacon information indicates that the first device is no longer present at the establishment, and

the second beacon information is received while at least a second device from among the one or more devices remains with the group and present at the first location when the first device is no longer present at the establishment; and

process a cardless payment for an amount owed for the respective transaction record associated with a respective customer of the first device after receiving the second beacon information indicating that the first device is no longer present at the establishment, wherein the cardless payment is processed without an exchange of payment information between the first device of the respective customer and any one of the payment service system and the merchant device.

9 . The one or more non-transitory computer-readable media of claim 8 , wherein execution of the computer-readable instructions by the one or more processors further cause the payment service system to send a notification to the merchant device, the notification including an indication of a processed payment for the amount owed.

10 . The one or more non-transitory computer-readable media of claim 8 , wherein the first wireless beacon is installed at a table at which the one or more customers sit once at the establishment and the second beacon information is received from a second wireless beacon installed at an entrance of the establishment.

11 . The one or more non-transitory computer-readable media of claim 8 , wherein execution of the computer-readable instructions by the one or more processors further cause the payment service system to:

receive, from the merchant device, menu information for one or more items offered for purchase at the establishment;

send the menu information to the one or more devices of the one or more customers;

receive, from the one or more devices, an order for at least one of the one or more items based at least in part on the menu information;

send the order and the first location to the merchant device; and

generate the respective transaction record to include the order.

12 . The one or more non-transitory computer-readable media of claim 8 , wherein execution of the computer-readable instructions by the one or more processors further cause the payment service system to process the cardless payment by:

charging the corresponding account of the respective customer of the first device at the payment service system for the amount owed; and

crediting the corresponding account of the merchant at the payment service system for the amount owed.

13 . A method comprising:

receiving, from one or more devices communicatively coupled to a payment service system, first beacon information of a first wireless beacon detected by the one or more devices in proximity of the one or more devices, the first wireless beacon identifying a first location within an establishment of a merchant at which one or more customers associated with the one or more devices are located, each of the one or more customers and the merchant having a corresponding account with the payment service system;

identifying the establishment based on the first location identified in the first beacon information;

associating the one or more devices of the one or more customers with a group conducting transactions with the merchant;

maintaining communication sessions with the one or more devices in the group and a merchant device of the merchant to generate a respective transaction record for each of the one or more customers in the group, each respective transaction record identifying one or more of the transactions conducted by a respective one of the one or more customers;

receiving second beacon information of a second wireless beacon at a second location associated with the establishment, wherein

the second beacon information identifies a presence of a first device, from among the one or more devices, device at the second location,

the second beacon information indicates that the first device is no longer present at the establishment, and

the second beacon information is received while at least a second device from among the one or more devices remains with the group and present at the first location when the first device is no longer present at the establishment; and

processing a cardless payment for an amount owed for the respective transaction record associated with a respective customer of the first device after receiving the second beacon information indicating that the first device is no longer present at the establishment, wherein the cardless payment is processed without an exchange of payment information between the first device of the respective customer and any one of the payment service system and the merchant device.

14 . The method of claim 13 , further comprising:

sending a notification to the merchant device, the notification including an indication of a processed payment for the amount owed.

15 . The method of claim 13 , wherein the first wireless beacon is installed at a table at which the one or more customers sit once at the establishment and the second beacon information is received from a second wireless beacon installed at an entrance of the establishment.

16 . The method of claim 13 , wherein generating the respective transaction record comprises:

receiving, from the merchant device, menu information for one or more items offered for purchase at the establishment;

sending the menu information to the one or more devices of the one or more customers;

receiving from the one or more devices, an order for at least one of the one or more items based at least in part on the menu information;

sending the order and the first location to the merchant device; and

generating the respective transaction record to include the order.

17 . The method of claim 13 , further comprising:

sending a confirmation to the first device after processing the cardless payment, wherein the confirmation includes instructions for adding a gratuity.

18 . The payment service system of claim 1 , wherein the second beacon information triggers an automatic processing of the cardless payment for the amount owed.

19 . The payment service system of claim 18 , wherein the one or more processors are further configured to execute the computer-readable instructions to:

upon receiving the second beacon information, send a request to the merchant device to request a bill for the group; and

determine, using the bill, the amount owed by the respective customer of the first device.

20 . The payment service system of claim 18 , wherein the payment service system maintains a database that includes associations between the establishment, a plurality of wireless beacons installed at the establishment, and a corresponding location of each of the plurality of wireless beacons, wherein the one or more processors are further configured to execute the computer-readable instructions to identify the establishment based on the first beacon information and the database.

Assignments (2)
CHANGE OF NAME Recorded Jan 18, 2022
From: SQUARE, INC.
To: BLOCK, INC.
Reel/Frame 058753/0503 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jul 9, 2020
From: LAMBA, KARTIK S.; CHEN, GRACE HUEY; WILSON, MATHEW
To: SQUARE, INC.
Reel/Frame 053165/0502 →
Continuity (2)
Continuation 14462430 · Aug 18, 2014
Related Publication 20200342429A1 · Oct 29, 2020
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