US 12,243,028 B2
Payout payment platform
Robert Andersen, Brooklyn, NY (US); and Brian Grassadonia, San Francisco, CA (US)
Assigned to Block, Inc., Oakland, CA (US)
Filed by BLOCK, INC., Oakland, CA (US)
Filed on Oct. 14, 2022, as Appl. No. 18/046,626.
Application 18/046,626 is a continuation of application No. 16/933,771, filed on Jul. 20, 2020, granted, now 11,507,931.
Application 16/933,771 is a continuation of application No. 14/448,809, filed on Jul. 31, 2014, abandoned.
Prior Publication US 2023/0065170 A1, Mar. 2, 2023
Int. Cl. G06Q 20/10 (2012.01); G06Q 20/34 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/10 (2013.01) [G06Q 20/34 (2013.01); G06Q 20/40 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
receiving, by a payment service, first payment data and a first identifier associated with a first user, wherein the first payment data is linked to the first identifier and stored (i) in a datastore of the payment service and (ii) in association with a first user account of the payment service;
receiving, by the payment service, second payment data and a second identifier associated with a second user, wherein the second payment data is linked to the second identifier and stored (i) in the datastore of the payment service and (ii) in association with a second user account of the payment service;
receiving, by the payment service and via a mobile application associated with the payment service, a request for a near-instantaneous transfer of a payment for a transaction between the first user and the second user, the request including data, the data including at least one of the first identifier or the second identifier, wherein the payment includes an amount of funds, and wherein a first amount of the funds is to be transferred to a financial account of the first user and a second amount of the funds is to be transferred to an account of a service provider with which the first user is associated; and
in response to receiving the request:
identifying, by the payment service and based on a lookup in the datastore using the data, the first user account and the second user account; and
causing, by the payment service and upon receiving a confirmation message via the mobile application, the near-instantaneous transfer of at least the payment of the first amount to the financial account of the first user upon completion of the transaction between the first user and the second user.