(19)

(11)

EP 3 077 970 A1

(12)

(43) Date of publication: 12.10.2016 Bulletin 2016/41 (21) Application number: 14875157.1 (22) Date of filing: 23.12.2014

(51) International Patent Classification (IPC):  G06Q 20/34(2012.01) G06F 17/00(2006.01) G06Q 20/32(2012.01) (86) International application number: PCT/US2014/072285 (87) International publication number: WO 2015/100385 (02.07.2015 Gazette 2015/26)

(84) Designated Contracting States: AL AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HR HU IE IS IT LI LT LU LV MC MK MT NL NO PL PT RO RS SE SI SK SM TR Designated Extension States: BA ME (30) Priority: 27.12.2013 US 201361921374 P 21.02.2014 US 201414187049 (71) Applicant: Square, Inc. San Francisco, California 94103 (US)	(72) Inventor: LEE, Robert San Francisco, California 94103 (US) (74) Representative: Barton, Russell Glen  Withers & Rogers LLP 4 More London Riverside London, SE1 2AU London, SE1 2AU (GB)