Patent ID: 11900388
Assignee: BLOCK, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 19:
20. A system comprising:
at least one processor; and
at least one memory communicatively coupled to the at least one processor and storing instructions that, when executed by the at least one processor, cause the at least one processor to:
personalize, for a user, an optical representation that includes an optical code that optically encodes information for use in a transaction;
provide the optical representation to the user;
receive optical information from a camera based on a decoding of the optical code using an image of the optical representation that is captured by the camera while the camera is in proximity to the optical representation, the optical information including the information for use in the transaction;
determine an identity of the user based on the receiving of the optical information;
retrieve payment information from a database based on the payment information being associated with the identity of the user in the database in response to the determining of the identity based on the receiving of the optical information;
combine, before processing of the transaction, the payment information retrieved from the database and the information for use in the transaction into a combination;
provide, before the processing of the transaction, transaction instructions to facilitate the processing of the transaction using the payment information retrieved from the database for at least a payment portion of the processing of the transaction and using the information for use in the transaction for at least one aspect of the processing of the transaction; and
associate a user account of the user with the combination of the payment information retrieved from the database and the information for use in the transaction.