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(11)

EP 3 656 085 A1

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(43) Date of publication: 27.05.2020 Bulletin 2020/22 (21) Application number: 18755987.7 (22) Date of filing: 18.07.2018

(51) International Patent Classification (IPC):  H04L 9/32(2006.01) (86) International application number: PCT/US2018/042741 (87) International publication number: WO 2019/018557 (24.01.2019 Gazette 2019/04)

(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: KH MA MD TN (30) Priority: 18.07.2017 US 201762534181 P 15.12.2017 US 201715844510 16.01.2018 US 201862617993 P 31.01.2018 US 201815885688 30.03.2018 US 201815942299 30.03.2018 US 201815942288 (71) Applicant: Square, Inc. San Francisco, California 94103 (US)

(72) Inventors: SHARIFI, Kamran San Francisco, CA 94103 (US) REZAYEE, Afshin San Francisco, CA 94103 (US) WADE, Jeremy San Francisco, CA 94103 (US) YANG, Yue San Francisco, CA 94103 (US) GUISE, Max, Joseph San Francisco, CA 94103 (US) SMITH, Malcolm, Ronald San Francisco, CA 94103 (US) HARDY, William 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)