US 11,720,960 B1
Refinancing tools for purchasing transactions
Max Levchin, San Francisco, CA (US); Christopher Beckmann, San Francisco, CA (US); Jeffrey Howard Kaditz, San Francisco, CA (US); Roberto Novoa, San Francisco, CA (US); Andrew Gettings Stevens, San Francisco, CA (US); Manuel De Jesus Arias, San Francisco, CA (US); and Aaron Ng Ligon, San Francisco, CA (US)
Assigned to Affirm, Inc., San Francisco, CA (US)
Filed by Affirm, San Francisco, CA (US)
Filed on Mar. 31, 2021, as Appl. No. 17/219,305.
Application 17/219,305 is a continuation of application No. 14/920,573, filed on Oct. 22, 2015, granted, now 11,030,685.
Application 14/920,573 is a continuation in part of application No. 14/712,790, filed on May 14, 2015.
Claims priority of provisional application 62/067,418, filed on Oct. 22, 2014.
Claims priority of provisional application 62/048,186, filed on Sep. 9, 2014.
Claims priority of provisional application 61/992,984, filed on May 14, 2014.
Int. Cl. G06Q 40/03 (2023.01)
CPC G06Q 40/03 (2023.01) 20 Claims
OG exemplary drawing
 
1. An apparatus for facilitating refinancing transactions for eligible prior purchases, the apparatus comprising processing circuitry configured to:
receive, from a client device in communication with the processing circuitry via a network connection, a request for access to refinancing services in association with client account information;
determine, based on the client account information, whether to grant the client device access to the refinancing services;
in response to granting the client device access to the refinancing services, prompt the client device to identify one or more credit cards and corresponding access information associated with each of the one or more credit cards;
determine whether transaction activity associated with any of the one or more credit cards qualifies for refinancing;
direct a display of selectable transfer initiation indicia along with corresponding information identifying one or more eligible purchases at the client device; and
in response to input at the client device indicating a request to initiate a refinance transaction with respect to at least one of the one or more eligible purchases by selecting an instance of the selectable transfer initiation indicia, coordinate a payment to a credit card company associated with the at least one of the one or more eligible purchases.