Square, Inc.

Techniques and arrangements for generating multi-merchant loyalty programs and dynamically enrolling customers into a multi-merchant programs. The multi-merchant loyalty programs can be generated based on a determination that the merchants in respective programs are complementary, and/or the merchants being located within a threshold distance of one another. In some instances, a customer can be automatically enrolled in a multi-merchant loyalty program responsive to conducting a transaction with one of the merchants in the program. After enrollment, the customer can receive incentives to conduct transactions with the merchants in the program.

A merchant uses a merchant point of sale (POS) device to identify items or services for purchase by a customer, and costs for each. One or more payment amounts are sent from the merchant POS device to a checkout server using an application programming interface (API), which the checkout server sends on to an authorized payment terminal device that then reads payment information from a payment object and sends the payment information back to the checkout server. The checkout server processes the transaction and confirms transaction completion to the merchant POS device and payment terminal device.

A merchant uses a merchant point of sale (POS) device to identify items or services for purchase by a customer, and costs for each. One or more payment amounts are sent from the merchant POS device to a checkout server using an application programming interface (API), which the checkout server sends on to an authorized payment terminal device that then reads payment information from a payment object and sends the payment information back to the checkout server. The checkout server processes the transaction and confirms transaction completion to the merchant POS device and payment terminal device.

Techniques and arrangements for facilitating synchronization of order ticket functionality utilized by point-of-sale (POS) devices with kitchen display systems. In some example, a POS device and a line buster device collectively receive a plurality of customer orders associated with a transaction between a merchant and plurality of customers. Based on individual customer orders, the POS device determines when to fire off the orders to the kitchen display system irrespective of the sequence in which they are received. In some examples, the kitchen display system then synchronizes with a customer device to provide real-time or near-real time updates on the status of the order.

A wireless communication device communicates with an inductively coupled device via a wireless carrier signal that may be modulated by both the wireless communication device and the inductively coupled device. The inductively coupled signal is transmitted from a transponder antenna of the wireless communication device. The wireless communication device also includes an auxiliary antenna. The auxiliary antenna is enabled while the wireless communication device is receiving a modulated version of the wireless carrier signal from the inductively coupled device.

This disclosure describes, in part, techniques for synchronizing data between merchants' inventories, and techniques for utilizing the data synchronization to process cross-merchant transactions. For instance, a system may store a first inventory of items indicating first items offered for purchase by a first merchant and a second inventory of items indicating second items offered for purchase by a second merchant. The system may then analyze the first inventory of items with respect to the second inventory of items to determine that the second merchant should offer a first item from the first items for purchase at a physical establishment of the second merchant on behalf of the first merchant. The system can then provide a merchant device of the second merchant with access to the second inventory of items and the first item from the first inventory of items.

A wireless communication device communicates with an inductively coupled device via a wireless carrier signal that may be modulated by both the wireless communication device and the inductively coupled device. The inductively coupled signal is transmitted from a transponder antenna of the wireless communication device. The wireless communication device also includes an auxiliary antenna. The auxiliary antenna is enabled while the wireless communication device is receiving a modulated version of the wireless carrier signal from the inductively coupled device.

Techniques and arrangements for generating multi-merchant loyalty programs and dynamically enrolling customers into a multi-merchant programs. The multi-merchant loyalty programs can be generated based on a determination that the merchants in respective programs are complementary, and/or the merchants being located within a threshold distance of one another. In some instances, a customer can be automatically enrolled in a multi-merchant loyalty program responsive to conducting a transaction with one of the merchants in the program. After enrollment, the customer can receive incentives to conduct transactions with the merchants in the program.

A technique for providing a pay-by-name payment experience is disclosed. A point-of-sale (POS) system at a store receives information identifying an account with a central server from a payment card using a short-range wireless technology. In response to that, it obtains information regarding the account, including a person's name associated with the account, using the received information. It also accepts a name from a specific consumer in the vicinity. At this point, it determines whether the name accepted from the specific consumer and the name associated with the account are identical. If it determines that the two names are identical, it checks-in the consumer to the store.

An automated online payment system may be used to process purchase payments between a buyer and a seller. When a payment is requested, the payment system may determine whether the corresponding purchase satisfies a purchase criterion, and if so, may defer certain aspects of settling the payment. For example, the payment service may determine the risk of deferred settlement and the likelihood that the buyer will make a subsequent purchase from the seller within a relatively short time period. If there is a low risk and high likelihood of a future purchase, the payment service may authorize the payment, but may defer capture of the payment until the buyer makes the subsequent purchase.