Patent ID: 11861589
Assignee: BLOCK, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 14:
15. A near field communication (NFC) device for processing a payment transaction, the device comprising:
a memory having instructions stored thereon;
at least one processor coupled to the memory, wherein the at least one processor executes the instructions to:
communicate with a payment device using NFC;
receive, from the payment device via NFC, a request to process the payment transaction via a first communication thread of a wireless communication connection established by inductive coupling when the payment device is placed within range of the payment reader, the request being associated with a first payment account;
identify, based on information for the payment transaction received from the payment device via a second communication thread of the wireless communication connection that is separate from the first communication thread, a second payment account;
provide, to a first remote server via one or more communications complying with a payment information standard, information authorizing payment of a first portion of the payment transaction based on the first payment account;
provide, to a second remote server via one or more protocol communications that do not comply with the payment information standard, information authorizing payment of a second portion of the payment transaction based on the second payment account;
receive, from the first remote server, approval of payment of the first portion of the payment transaction based on the first payment account; and
receive, from the second remote server, approval of payment of the second portion of the payment transaction based on the second payment account.