Square, Inc.

A point of sale (POS) device includes an output device such as a speaker, a display screen, or a network interface. The POS device also includes a secure enclosure housing a secure processor and tamper detection circuitry for detecting attempts to tamper with the secure enclosure. Use of the output device is shared between the secure processor and a main processor via a switch that is controlled by the secure processor. The secure processor can switch control of the output device from the main processor to itself and can output an output dataset via the output device in a number of scenarios. These scenarios include the secure processor detecting an attempt to tamper with the secure enclosure, the secure processor recognizing that the main processor is behaving suspiciously, or the secure processor wanting to output sensitive information. The output dataset may include visual data, audio data, or network data.

Techniques for facilitating a secure transaction between a first mobile computing device associated with a driver and a second mobile computing device associated with a passenger are discussed herein. The techniques may include registering an association between a first application executing on the first mobile computing device and a second application executing on the second mobile computing device. The second application may display information indicating an amount of fare for a ride offered by the driver to the passenger. Upon receiving input from the passenger to authorize processing of a payment transaction, the second application may send a request to process the payment transaction using card information. In some examples, the payment transaction is authorized without providing the first application with access to card information.

Intelligent management of authorization requests are described. A server of a payment processing service can receive an authorization request to authorize a payment instrument for a predicted cost of a transaction between a first user and a second user. The server can compare the predicted cost of the transaction with an available balance of the payment instrument and determine that the available balance is less than the predicted cost of the transaction. Based on determining that the available balance is less than the predicted cost of the transaction, the server can determine that the payment instrument is not authorized for the predicted cost of the transaction and can authorize the transaction instead of declining the transaction based at least in part on a prediction of the actual cost of the transaction.

In one embodiment, techniques include systems and methods for facilitating context-aware peer-to-peer transfers of items utilizing at least one of short-range wireless technologies embodied by user devices or device-accessible contact lists. After receiving a request to transfer an item, a server can cause a device of a first peer user to detect devices of second peer users in the proximity of the device of the first peer user using short-range wireless technology. Based at least in part on the detected nearby devices or a contact list of the first peer user stored by the device of the first peer user, a second peer user to receive the item is determined. Upon receiving confirmation of authorization to transfer the item, requested and provided via an electronic message between the respective devices and the server, the item is disassociated from the first peer user and associated with the second peer user.

Described herein is a centralized order computing system that is configured to receive orders from a plurality of sources. The plurality of sources can include delivery applications, remote customer computing devices, and/or service computing devices associated with a merchant. The centralized order computing system may be configured to receive a plurality of orders from the plurality of sources, send the plurality of orders to a kitchen computing system associated with the merchant, receive a notification of order completion, and process the order.

A user interface (UI) for presenting capital offers associated with different loan products is described. A service provider can analyze potential borrower data to generate custom capital offers for the potential borrower. A first set of the custom capital offers can be associated with a first loan product and a second set of the custom capital offers associated with a second loan product having different repayment terms than the first loan product. The service provider can receive an indication of interest associated with a capital loan product and, responsive to receiving the indication of interest, can cause a UI to be presented via a display of a device operated by the potential borrower. The UI can include a slider that allows the potential borrower to transition between offers associated with the first loan product and the second loan product to select a custom capital offer of the custom capital offers.

Identity verification (IDV) using a payment processing platform is described herein. In an example, a computing device can receive identifying information of a user. The computing device can request payment information of a payment instrument of the user and can receive the payment information of the payment instrument of the user. The computing device can prompt the user to present the payment instrument at a point-of-sale (POS) of a trusted merchant and can verify the identity of the user based at least in part on verification information received from a merchant device operable by the trusted merchant at the POS.

Method, systems, and apparatus for generating a storefront for a merchant, comprising: receiving transaction data associated with a brick and mortar (BOM) transaction, processing a payment for the BOM transaction, updating inventory data based on the transaction data, receiving a request to generate an online storefront for a point of sale system of the merchant, where the point of sale system includes inventory data of a plurality of items for sale, identifying the plurality of items for sale from the inventory data from point of sale system; generating one or more resources for each item of the plurality of items for sale; causing display of the graphical user interface comprising the one or more resources to be presented to enable purchase of an item, and updating the inventory data based on a purchase of the item by the ecommerce customer.

Auto-generation of multi-merchant interactive image collections is described. A plurality of interactive images associated with multiple merchants can be accessed. An interactive image of the plurality of interactive images can depict one or more items offered for sale by a merchant and individual items of the one or more items can be associated with individual selectable controls. A selectable control can enable a customer to view item information associated with an individual item with which the selectable control is associated. A subset of interactive images of the plurality of interactive images can be included in an interactive image collection. The subset of interactive images can be associated with two or more merchants. The subset of interactive images can be presented via a display of a device to enable the customer to add at least the individual item to a virtual cart via an interaction with the selectable control.

In particular embodiments, a method of transferring money by use of a payment proxy includes receiving a notification of an intent to initiate a monetary transaction in a message entered by a user of a communication platform, identified based on a determination of a particular context associated with content of the message. The method includes parsing the message to identify a unique payment proxy associated with a financial account having a syntax that includes a currency indicator and a string of characters. The method includes identifying a recipient financial account associated with the unique payment proxy. The method includes identifying a sender financial account based on the particular context associated with the content of the user message. The method includes initiating a transfer of a payment amount between the sender financial account and the recipient financial account associated with the unique payment proxy in accordance with the monetary transaction.