Paypal, Inc.

Chris Richman

Kyle Hansen

Luke Paul Nosek

Denise Aptekar

Maria Lee

Todd Pearson

Roelof Frederik Botha

A system and method for making funds of a transaction available to a user before a funding entry clears is provided. The system may be part of an on-line system configured to facilitate payments or fund transfers from users. In example embodiments, a transaction request from a user is received. A risk score indicating a perceived risk involved with releasing funds before the funding entry clears is computed. Funds of the transaction are caused to be released prior to the funding entry clearing a financial institution based on the risk score exceeding a transfer threshold.

Growing community of inventors

Palo Alto, CA, United States of America

Chris Richman