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US 12,718,250 B2Granted
Batch-processing transactions in response to an event
AssigneeBlock, Inc.
InventorKyle Callender
Life of this patent
Estimating the term…
Abstract
Batch-processing of open tabs associated with one or more customers of a merchant is described. User data associated with a user may be identified. Based on the user data, a determination may be made that batch-processing of transactions of the user has been authorized. A tab data structure specific to the user and a merchant may be generated. The tab data structure may store transaction data associated with transaction of the user. Occurrence of an event may be detected, and in response, at least a portion of the transactions stored in the tab data structure may be settled via a batch process. A payment instrument may be authorized for the portion of the transaction.
Claims20
A computer-implemented method comprising:
- identifying, by a server computing device, user data associated with a user;
- determining, by the server computing device and based on the user data, that batch-processing has been authorized by the user;
- in response to determining that the batch-processing has been authorized, generating, by the server computing device, a tab data structure specific to the user and a merchant, the tab data structure configured to store transaction data associated with a plurality of transactions of the user during the plurality of transactions;
- detecting, by the server computing device, that the user has moved outside of a geofence associated with the merchant, based at least in part on location data received by the server computing device from a mobile device of the user;
- in response to detecting that the user has moved outside of the geofence, settling, by the server computing device and via a batch process, at least a portion of the plurality of transactions stored in the tab data structure;
- authorizing, by the server computing device, a payment instrument for the portion of the plurality of transactions;
- and
- in response to settling the portion of the plurality of transactions, transmitting, by the server computing device, at least one notification associated with closure of a tab to the mobile device of the user.
5 more elements
A system comprising:
- one or more processors;
- and
- one or more non-transitory computer-readable media storing instructions executable by the one or more processors, wherein the instructions cause the one or more processors to perform acts comprising:
- identifying, by a server computing device, user data associated with a user;
- determining, by the server computing device and based on the user data, that batch-processing has been authorized by the user;
- in response to determining that the batch-processing has been authorized, generating, by the server computing device, a tab data structure specific to the user and a merchant, the tab data structure configured to store transaction data associated with a plurality of transactions of the user during the plurality of transactions;
- detecting, by the server computing device, that the user has moved outside of a geofence associated with the merchant, based at least in part on location data received by the server computing device from a mobile device of the user;
- in response to detecting that the user has moved outside of the geofence, settling, by the server computing device and via a batch process, at least a portion of the plurality of transactions stored in the tab data structure;
- authorizing, by the server computing device, a payment instrument for the portion of the plurality of transactions;
- and
- in response to settling the portion of the plurality of transactions, transmitting, by the server computing device, at least one notification associated with closure of a tab to the mobile device of the user.
8 more elements
One or more non-transitory computer-readable media storing instructions executable by one or more processors that, when executed by the one or more processors, cause the one or more processors to perform acts comprising:
- identifying, by a server computing device, user data associated with a user;
- determining, by the server computing device and based on the user data, that batch-processing has been authorized by the user;
- in response to determining that the batch-processing has been authorized, generating, by the server computing device, a tab data structure specific to the user and a merchant, the tab data structure configured to store transaction data associated with a plurality of transactions of the user during the plurality of transactions;
- detecting, by the server computing device, that the user has moved outside of a geofence associated with the merchant, based at least in part on location data received by the server computing device from a mobile device of the user;
- in response to detecting that the user has moved outside of the geofence, settling, by the server computing device and via a batch process, at least a portion of the plurality of transactions stored in the tab data structure;
- authorizing, by the server computing device, a payment instrument for the portion of the plurality of transactions;
- and
- in response to settling the portion of the plurality of transactions, transmitting, by the server computing device, at least one notification associated with closure of a tab to the mobile device of the user.
5 more elements
Dependencies are inferred from the claim text.