US 12,067,574 B2
Using transaction data to present search results
Mohsen Sardari, Burlingame, CA (US); Yi Li, Millbrae, CA (US); Kin Ho Lee, Toronto (CA); Nic Kleene, San Francisco, CA (US); Ankit Dutta, San Francisco, CA (US); Pooja Choudhary, Redwood City, CA (US); and Yibo Chen, Shanghai (CN)
Assigned to Block, Inc., Oakland, CA (US)
Filed by Block, Inc., Oakland, CA (US)
Filed on Jun. 30, 2023, as Appl. No. 18/345,466.
Application 18/345,466 is a continuation of application No. 17/902,178, filed on Sep. 2, 2022, granted, now 11,748,759.
Prior Publication US 2024/0078555 A1, Mar. 7, 2024
Int. Cl. G06Q 20/40 (2012.01); G06F 16/2457 (2019.01)
CPC G06Q 20/4016 (2013.01) [G06F 16/24578 (2019.01); G06Q 20/40 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method comprising:
receiving, by a payment service computing platform, payment data associated with users of a payment service;
receiving, by the payment service computing platform, a search query from a payment application associated with the payment service and executing on a device of a user;
accessing, by the payment service computing platform, a portion of the payment data associated with the user;
determining, by the payment service computing platform, and using at least one machine-trained model to analyze the portion of the payment data, a user risk metric associated with the user,
generating, by the payment service computing platform, a personalized list of merchants based on the user risk metric; and
causing, by the payment service computing platform, a user interface of the payment application to present at least a portion of the personalized list of merchants as a search result to the search query.