	US 12,020,235 B2
	Multi-source transaction processing
Afshin Rezayee, Richmond Hill (CA); Malcolm Smith, Toronto (CA); Lev Kusman, Concord (CA); Gokhan Aydeniz, Mississauga (CA); Yasser Zabuair, Toronto (CA); Jesse Wilson, Waterloo (CA); Shawn Zurbrigg, Waterloo (CA); and Murat Cat, Thornhill (CA)
Assigned to Block, Inc., Oakland, CA (US)
Filed by Block, Inc., San Francisco, CA (US)
Filed on Apr. 28, 2017, as Appl. No. 15/581,972.
Prior Publication US 2018/0315038 A1, Nov. 1, 2018
Int. Cl. G06Q 20/32 (2012.01); G06Q 20/20 (2012.01); G06Q 20/22 (2012.01); G06Q 20/40 (2012.01); H04W 76/10 (2018.01)

CPC G06Q 20/3278 (2013.01) [G06Q 20/20 (2013.01); G06Q 20/227 (2013.01); G06Q 20/4014 (2013.01); H04W 76/10 (2018.02)]

29 Claims

1. A method for a payment reader to process a single payment transaction informed by communications between the payment reader and a payment device, the method comprising:

monitoring, by the payment reader, for devices capable of exchanging information via a communication protocol that does not comply with a standard payment protocol;

receiving, at the payment reader, a request to process a payment transaction;

establishing, by the payment reader, between a near field communication (NFC) interface of the payment reader and an NFC interface of the payment device, first wireless communications with the payment device via the communication protocol that does not comply with a standard payment protocol;

providing, by the payment reader via the first wireless communications, one or more request messages to the payment device;

acquiring, by a first application of the payment device, identifying information for a first account based on the one or more request messages;

receiving, with the NFC interface of the payment reader from the first application of the payment device via the first wireless communications, one or more information messages including the identifying information for the first account, wherein communication of the one or more information messages by the payment device is transparent to a user of the payment device;

establishing, by the payment reader, between the NFC interface of the payment reader and the NFC interface of the payment device, second wireless communications with the payment device via the standard payment protocol;

receiving, with the NFC interface of the payment reader from a second application of the payment device via the second wireless communications, one or more payment information messages including identifying information for a second payment account, wherein the first application runs in a background of the payment device to communicate the one or more information messages to the NFC interface of the payment reader while the second application is running in a foreground of the payment device;

providing, by the payment reader to a payment service system, in connection with the payment transaction, both the identifying information for the second payment account and the identifying information for the first account; and

receiving, at the payment reader from the payment service system, approval of the payment transaction based on both the second payment account and the first account.