US 11,776,038 B2
Transaction modification based on modeled profiles
Abhay Kumar, San Francisco, CA (US); Dan Hipschman, San Francisco, CA (US); Rong Yan, Palo Alto, CA (US); John Berian James, San Francisco, CA (US); Gian Perrone, San Francisco, CA (US); and Mai Leduc, San Francisco, CA (US)
Assigned to Block, Inc., Oakland, CA (US)
Filed by Block, Inc., San Francisco, CA (US)
Filed on Oct. 7, 2020, as Appl. No. 17/65,072.
Application 17/065,072 is a continuation of application No. 16/369,455, filed on Mar. 29, 2019, granted, now 10,810,650.
Application 16/369,455 is a continuation of application No. 15/445,619, filed on Feb. 28, 2017, granted, now 10,304,117, issued on May 28, 2019.
Application 15/445,619 is a continuation of application No. 14/289,469, filed on May 28, 2014, granted, now 9,619,831, issued on Apr. 11, 2017.
Claims priority of provisional application 61/969,720, filed on Mar. 24, 2014.
Prior Publication US 2021/0019805 A1, Jan. 21, 2021
Int. Cl. G06Q 30/0601 (2023.01); G06Q 20/20 (2012.01); G06Q 30/0204 (2023.01); G06Q 30/0251 (2023.01); G06Q 30/0201 (2023.01)
CPC G06Q 30/0631 (2013.01) [G06Q 20/20 (2013.01); G06Q 30/0205 (2013.01); G06Q 30/0206 (2013.01); G06Q 30/0253 (2013.01); G06Q 30/0264 (2013.01); G06Q 30/0255 (2013.01); G06Q 30/0268 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method implemented at least in part by a payment processing system comprising one or more computing devices, the method comprising:
receiving, by the payment processing system and from merchant computing devices associated with a plurality of merchants associated with the payment processing system, transaction data associated with transactions performed between the plurality of merchants and buyers, wherein a respective merchant computing device of the merchant computing devices includes an instance of a merchant application installed thereon for configuring the respective merchant computing device as a point-of-sale (POS) terminal to communicate at least a portion of the transaction data over one or more networks to the payment processing system;
training a model to generate profiles, wherein the model is trained using at least one of:
merchant data associated with the plurality of merchants;
buyer data associated with the buyers; or
the transaction data associated with the transactions;
receiving, by the payment processing system, an indication that a buyer of the buyers and a merchant of the plurality of merchants are engaged in, or likely to be engaged in, a transaction;
determining, by the payment processing system and based on the indication, that a characteristic of the transaction corresponds to a profile of the profiles generated using the trained model, wherein the characteristic is associated with at least one of the buyer, the merchant, or the transaction; and
generating, based at least in part on a determination that the characteristic corresponds to the profile and by the payment processing system, a communication for the buyer or the merchant that is presented on a user interface of at least the merchant computing device, wherein the communication:
comprises an up-selling recommendation for the buyer to purchase a different item than an item that the buyer has already selected for purchase wherein the up-selling recommendation is based at least in part on a portion of the transaction data associated with one or more other merchants of the plurality of merchants;
enables the buyer or the merchant to modify the transaction in association with processing of the transaction; and
is sent to the merchant computing device prior to the buyer and the merchant engaging in the transaction.