(19)

(11)

EP 3 520 061 A1

(12)

(43) Date of publication: 07.08.2019 Bulletin 2019/32 (21) Application number: 17772820.1 (22) Date of filing: 14.09.2017

(51) International Patent Classification (IPC):  G06Q 20/40(2012.01) G07F 7/08(2006.01) G06Q 20/20(2012.01) (86) International application number: PCT/US2017/051502 (87) International publication number: WO 2018/063812 (05.04.2018 Gazette 2018/14)

(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 Designated Validation States: MA MD (30) Priority: 30.09.2016 US 201615282943 30.09.2016 US 201615282986 (71) Applicant: Square, Inc. San Francisco, California 94103 (US)	(72) Inventors: HAMILTON, Shane San Francisco, CA 94103 (US) LEISERSON, Andrew San Francisco, CA 94103 (US) AUMENT, Todd San Francisco, CA 94103 (US) (74) Representative: St Clair Jones, Gregory Arthur Langley et al Kilburn & Strode LLP Lacon London 84 Theobalds Road London WC1X 8NL London WC1X 8NL (GB)