US 12,002,093 B1
Distributed system for custom financing
Ariana Poursartip, San Francisco, CA (US); John Bryan Scott, San Francisco, CA (US); and Kevin Teh, San Francisco, CA (US)
Assigned to BLOCK, INC., Oakland, CA (US)
Filed by Block, Inc., Oakland, CA (US)
Filed on May 31, 2023, as Appl. No. 18/204,070.
Application 18/204,070 is a continuation of application No. 17/407,314, filed on Aug. 20, 2021, granted, now 11,699,182.
Application 17/407,314 is a continuation of application No. 16/808,860, filed on Mar. 4, 2020, granted, now 11,100,576, issued on Aug. 24, 2021.
Application 16/808,860 is a continuation of application No. 15/670,305, filed on Aug. 7, 2017, granted, now 10,607,286, issued on Mar. 31, 2020.
Application 15/670,305 is a continuation of application No. 14/491,967, filed on Sep. 19, 2014, granted, now 9,727,912, issued on Aug. 8, 2017.
Claims priority of provisional application 62/002,996, filed on May 26, 2014.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/03 (2023.01); G06Q 20/20 (2012.01); G06Q 40/02 (2023.01)
CPC G06Q 40/03 (2023.01) [G06Q 20/20 (2013.01)] 20 Claims
OG exemplary drawing
 
19. A non-transitory computer-readable medium maintaining instructions executable by one or more server computing devices associated with a payment service to configure the one or more server computing devices to perform operations comprising:
receiving, from a plurality of user computing devices associated with a plurality of users, transaction information of transactions performed between the plurality of users using the payment service, each user computing device of the plurality of user computing devices having a respective application installed thereon that configures the user computing device to communicate the transaction information to the one or more server computing devices, wherein a first user computing device of the plurality of user computing devices is associated with an account of a first user of the plurality of users;
determining, based at least on the transaction information received from the first user computing device, one or more factors indicative of the first user;
comparing the transaction information received from the plurality of user computing devices with the one or more factors determined for the first user to generate, based on the comparing, a custom financing offer for providing financing to the first user;
sending, to the first user computing device, a communication including the custom financing offer to cause, at least in part, presentation of at least a portion of the custom financing offer in a user interface on the first user computing device; and
in response to an indication of acceptance of the custom financing offer, sending an instruction to provide a financed amount to the account of the first user, wherein at least a portion of the financed amount is withheld from funds received by the payment service on behalf of the first user.