US 12,293,351 B2
Peer-to-peer data object transfer and state management
Michael Duane, San Francisco, CA (US); Matthew Hickman, San Francisco, CA (US); Steven Austin, Brooklyn, NY (US); and Benjamin Shen, San Francisco, CA (US)
Assigned to Block, Inc., San Francisco, CA (US)
Filed by Block, Inc., San Francisco, CA (US)
Filed on Mar. 2, 2022, as Appl. No. 17/685,195.
Claims priority of provisional application 63/301,046, filed on Jan. 19, 2022.
Claims priority of provisional application 63/233,187, filed on Aug. 13, 2021.
Prior Publication US 2023/0045946 A1, Feb. 16, 2023
Int. Cl. G06Q 20/34 (2012.01); G06Q 20/06 (2012.01); G06Q 20/22 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/348 (2013.01) [G06Q 20/065 (2013.01); G06Q 20/227 (2013.01); G06Q 20/351 (2013.01); G06Q 20/405 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method, implemented at least in part by a computing device of a payment service, comprising:
receiving, by the payment service, a request to send a data object comprising a digital gift card from a sending user to a receiving user,
wherein the sending user is associated with a first user account and a first stored balance that is managed by a ledger system associated with the payment service,
wherein the receiving user is associated with a second user account and a second stored balance that is (i) managed by the ledger system associated with the payment service and (ii) accessible via a payment instrument associated with the payment service,
wherein the payment instrument comprises at least one of a virtual card within a payment application of the payment service or a physical card provided by the payment service,
wherein the digital gift card is useable at a merchant of a plurality of available merchants that is selected by the sending user via a user interface of a device associated with the sending user, the user interface of the device associated with the sending user displaying a first instance of the payment application of the payment service executing at the device associated with the sending user, and
wherein the data object is associated with either an enabled state or a disabled state based on a geographical location within which the data object can be used;
accessing, by the ledger system associated with the payment service, a data store of the payment service to withdraw an amount of the digital gift card from the first stored balance and associate the amount of the digital gift card with the second user account,
wherein the amount of the digital gift card is stored as a distinct stored balance associated with the second user account and that is separate from the second stored balance, and
wherein the first stored balance, the second stored balance, the distinct stored balance, and the geographical location are maintained by the payment service;
causing the digital gift card to be rendered via a user interface of a device associated with the receiving user, the user interface of the device associated with the receiving user displaying a second instance of the payment application of the payment service executing on the device associated with the receiving user, wherein the user interface of the device associated with the receiving user includes additional data associated with at least one of the second user account, the second stored balance, or the payment instrument;
monitoring, by the payment service in real-time, transaction data associated with users of the payment service;
identifying, by the payment service and from the transaction data, a transaction associated with the payment instrument;
accessing, by the payment service a location of the device associated with the receiving user when the transaction occurs;
determining, by the payment service and responsive to accessing the location of the device associated with the receiving user, that the data object is associated with the enabled state based on the location of the device matching the geographical location;
authorizing, by the payment service and responsive to the data object being associated with the enabled state, the transaction; and
automatically processing payment for the transaction using the distinct stored balance prior to using the second stored balance.