Square, Inc.

In some examples, a system receives, from a first device, an indication of a location of the first device and a notification of a transaction including an identifier that identifies both a customer and a second device associated with the customer. The system may send information related to the notification to cause the second device to present details related to the transaction. The system may receive, from the second device, an indication of a location of the second device, and may determine that the first device is in proximity to the second device by comparing the location of the first device to the location of the second device. The system may submit, to a payment processor, information related to the transaction and the determination of proximity for authentication to enable the payment processor to determine whether to approve the transaction based at least on the determination of proximity.

Transaction modification based on modeled profiles is described. In an example, transaction data can be received by a payment processing system. The payment processing system can generate, using a trained model, profiles. Based at least in part on (i) receiving an indication that a buyer and a merchant are engaged in, or likely to be engaged in, a transaction and (ii) determining that a characteristic of the transaction corresponds to a profile, generating a communication to enable the buyer or the merchant to modify the transaction in association with processing of the transaction.

Disclosed are a system and a method for purchasing items from a merchant system using friction-less payment processing technology. A customer initiates a purchase transaction from a user interface of the merchant system by selecting a payment button in lieu of payment information or login credentials or signing-into accounts. An auto-payment component parses a navigable link connected to the payment button to locate a mobile payment portal either installed on the mobile device as a mobile payment application or authenticated as a web application in a web-browser. The auto-pay component generates a payment request and sends the request to a payment service system via the mobile payment portal. The payment service system uses information in the payment request to identify financial accounts associated with the customer and the merchant. The payment service system then initiates a transfer of a payment amount from the customer to the merchant.

In some examples, a system and method for generating a payment instrument are described. The method includes receiving a unique signature that a recipient intends to associate with the payment instrument; verifying that the received feature meets an acceptability criterion; generating a representation of the received signature, wherein the representation is in a form capable of being physically associated with the payment instrument, and wherein association is established by embedding or exposing the representation on the payment instrument; and causing physical generation of the payment instrument having associated therewith the representation of the signature.

Method, systems, and apparatus for integrated online and offline sales management. A system manages both offline and online transactions and inventory in an integrated environment. An offline transaction is a sale at a point of sale (POS) system, e.g., at a typical “brick and mortar shop” physical store. An online transaction is a sale using an online store, e.g., an online shopping cart and checkout system accessed by a web browser or other application. An online store can be converted to offline store, and vice versa. An inventory management system can receive an input from a merchant device of merchant designating an item carried by the merchant as an item to be sold at the physical store, at the online store, or both. The inventory management system can modify a record of the item to respond to the input.

A method that includes receiving, from a user device, a request for a listing of merchants; in response to receiving the request for a listing of merchants, sending, to the user device, data describing one or more merchants and respective initial geographic locations of the one or more merchants; receiving, from the user device, a user request for updating a geographic location of a particular merchant in the one or more merchants; sending a request for an updated geographic location to a computing device of the particular merchant; receiving, from the computing device of the particular merchant, data describing an updated geographic location of the particular merchant; and providing, to the user device, data describing the updated geographic location of the particular merchant.

Apparatuses and methods for changing a financial account after initiating a payment using a proxy object, such as a proxy card, are disclosed. The proxy card is associated with multiple financial accounts, such as accounts associated with credit cards, debit cards, and pre-paid gift cards. A consumer presents the proxy card to a merchant to make a payment, and the merchant swipes the proxy card and processes the payment by sending transaction information to a financial system. A computer system associated with the financial system selects a payment account associated with the proxy card to use for the payment, and an authorization for the transaction is obtained. Later, the consumer is given a limited time within which he may change the financial account used for the payment, such as by using his mobile device to select a different account associated with the proxy card to use to obtain funds for the payment.