Reference page — a fact sheet of the US patent filings I'm a named inventor on, each linked to its Google Patents record. The full story is on the homepage.
US Patents
What patents are you an inventor on?
I'm a named inventor on five US patent filings, from 2014 to 2025: four granted patents assigned to Square and Block covering payment cost prediction and payment-account tokenization,[2][3][4][5] and one logistics application I co-invented at Coyote Logistics.[1]
The five filings, in plain English
The Coyote application preserves work from my product years there — automated advance payments and dynamic load routing for freight carriers.[1] The Square and Block patents come from my payments platform years: US 10,402,807 B1 covers estimating interchange, network, and acquiring fees for card payments — machine learning that predicts each payment's cost in real time.[2] These are the patented services my team used to predict each transaction's cost.[2] The remaining three cover payment-account tokenization: tokenizing payment accounts,[3] tokens inside tokens,[4] and encapsulating payment accounts.[5]
Record
- US 2015/0213402 A1
- Application 2014 · Coyote · automated freight payments — logistics management systems: automated carrier advance payments and dynamic load routing[1]
- US 10,402,807 B1
- Granted 2019 · Square · predicting payment costs — estimating interchange, network, and acquiring fees for card payments in real time[2]
- US 11,514,437 B1
- Granted 2022 · Square · tokenizing payment accounts[3]
- US 11,636,468 B1
- Granted 2023 · Square · tokens inside tokens[4]
- US 12,400,220 B2
- Granted August 2025 · Block · encapsulating payment accounts[5]
Sources
- Patent Google Patents — US 2015/0213402 A1, filed 2014 Logistics management systems — automated carrier advance payments and dynamic load routing, co-invented at Coyote.
- Patent Google Patents — US 10,402,807 B1, granted 2019 Estimating interchange, network, and acquiring fees for card payments — machine learning predicting each payment's cost in real time. Assigned to Square, Inc.
- Patent Google Patents — US 11,514,437 B1, granted 2022 Tokenizing payment accounts. Assigned to Square.
- Patent Google Patents — US 11,636,468 B1, granted 2023 Tokens inside tokens. Assigned to Square.
- Patent Google Patents — US 12,400,220 B2, granted August 2025 Encapsulating payment accounts. Assigned to Block.
More
Full career record: mikeward.dev · The pricing work behind US 10,402,807: Square payments pricing fact sheet · The Coyote work behind US 2015/0213402: Coyote Logistics fact sheet