US 12,361,402 B2
Proximity-based device identification for payments
Jack Dorsey, Oakland, CA (US); Brian Grassadonia, Oakland, CA (US); and Robert Andersen, Brooklyn, NY (US)
Assigned to Block, Inc., Oakland, CA (US)
Filed by Block, Inc., Oakland, CA (US)
Filed on Nov. 14, 2024, as Appl. No. 18/948,429.
Application 18/948,429 is a continuation of application No. 17/710,555, filed on Mar. 31, 2022, granted, now 12,175,448.
Application 17/710,555 is a continuation of application No. 16/828,817, filed on Mar. 24, 2020, granted, now 11,354,645, issued on Jun. 7, 2022.
Application 16/828,817 is a continuation of application No. 14/296,385, filed on Jun. 4, 2014, granted, now 10,614,445, issued on Apr. 7, 2020.
Prior Publication US 2025/0078063 A1, Mar. 6, 2025
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/32 (2012.01); G06Q 20/10 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/327 (2013.01) [G06Q 20/10 (2013.01); G06Q 20/3255 (2013.01); G06Q 20/40 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method, comprising:
receiving, via a user interface of a first device associated with a first user, an input indicating an amount of funds to be electronically transferred as part of a cardless transaction between a first user's financial account to a second user's financial account on a mobile payment platform without identifying another user to whom the funds will be transferred;
detecting, by the first device associated with the first user and using an NFC wireless network, a second device that is in physical proximity of the first device, the second device being associated with the second user, wherein each of the first user and the second user have respective accounts registered with a payment service system, each of the respective accounts include corresponding identifying financial payment information of the first user or the second user for conducting one or more proximity-based cardless payments with users;
sending, by the first device and via the NFC wireless network, an electronic message requesting or sending a payment in the amount of the funds to the second device; and
after sending the electronic message, transmitting a notification to the payment service system to process the payment between the first user and the second user.