CPC G06Q 40/03 (2023.01) [G06Q 20/20 (2013.01)] | 20 Claims |
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.
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