US 12,086,878 B2
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, Inc., San Francisco, CA (US)
Filed on Oct. 31, 2023, as Appl. No. 18/498,645.
Application 18/498,645 is a continuation of application No. 17/941,459, filed on Sep. 9, 2022.
Application 17/941,459 is a continuation of application No. 17/395,864, filed on Aug. 6, 2021, granted, now 11,455,683, issued on Sep. 27, 2022.
Application 17/395,864 is a continuation of application No. 17/219,305, filed on Mar. 31, 2021, granted, now 11,720,960, issued on Aug. 8, 2023.
Application 17/219,305 is a continuation of application No. 14/920,573, filed on Oct. 22, 2015, granted, now 11,030,685, issued on Jun. 8, 2021.
Application 14/920,573 is a continuation in part of application No. 14/712,790, filed on May 14, 2015, granted, now 11,710,179, issued on Jul. 25, 2023.
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.
Prior Publication US 2024/0062287 A1, Feb. 22, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/03 (2023.01)
CPC G06Q 40/03 (2023.01) 22 Claims
OG exemplary drawing
 
1. A method for displaying refinancing information for eligible prior purchases on a client computer in communication with a finance server, the method comprising:
determining, by the finance server, a first card-based transaction and a second card-based transaction that are eligible for refinancing, the first and second card-based transactions being eligible for refinancing based in part on being above a predetermined minimum value;
determining refinancing terms for the first and second card-based transactions;
simultaneously causing display, at the client computer, of information associated with both the first and second card-based transactions along with a first selectable element for initiating refinancing of the first card-based transaction and a second selectable element for initiating refinancing of the second card-based transaction; and
responsive to selection of either the first or the second selectable element at the client computer, causing display of the refinancing terms of the selected one of the first card-based transaction or the second card-based transaction at the client computer,
wherein the refinancing terms for the selected one of the first card-based transaction and the second card-based transaction define a number of payments and a repayment plan.