Block, Inc.
Proximity-based payments

Abstract:

Techniques are disclosed for facilitating customers' mobile devices to conduct proximity-based payments to reduce the friction of conducting payments from one party to another. In some embodiments, a customer's mobile device can detect another mobile device that is in proximity. For example, the detected device may be in the same wireless personal area network as the customer's device. The customer's device can verify with a payment service system (PSS) that the detected device is associated with a financial account. The customer's device can prompt, via a user interface, the customer to select the detected mobile device for a payment. The customer's device can also confirm an amount for the payment with the customer. Thereafter, the customer's device can cause (e.g., by transmitting communication signals to the PSS) the amount to be transferred from a financial account associated with the customer's device to the financial account associated with the detected device.