Block, Inc.

Square, Inc.

Jacqueline Reses

Theodore Kosev

Audrey Kim

Andy Montgomery

In some examples, a system may determine a date on which a balance of a user account is expected to fall below a threshold based on analyzing at least one of: the balance of the user account over time, or historical transactions of the user over time. The system may determine an amount for an item purchased, or intended to be purchased, by the user, and may cause the user computing device to present, prior to the date, a suggestion to request financing for the item. In response to a request to finance the item, the system may cause the user computing device to present a graphical user interface (GUI) that includes offers for financing. The system may receive, from the user computing device, via the GUI, a selection of a first offer, and may send an instruction to cause a transfer of funds to the user account.

Intelligent item financing

In some examples, a predictive model is trained to determine account balances over which funds in user accounts are predicted to be surplus. Data of a first account of a user is input into the trained predictive model to determine a balance over which a portion of funds in the first account are predicted to be surplus funds for a period of time. A user device of the user presents a user interface that indicates predicted expenses and predicted income for a plurality of periods of time including the period of time. The user interface further indicates the surplus funds for the period of time and includes an interactive element for indicating disposition of the surplus funds. Based on receiving, via the user interface, an indication of an action to perform with respect to the surplus funds, at least one instruction is sent for performing the indicated action.

Predicting capital needs

In some examples, a system may receive transaction data indicating payments into a first account over time and payments out of the first account over time, the first account associated with a user. In addition, the system may access a data structure including historical account data that indicates variations in a balance of the first account over time. The system may determine an indicated minimum balance for the first account based on inputting the transaction data and the historical account data into a first predictive model configured to predict a minimum balance for enabling predicted payments out of a user account. The system may determine, based on a difference between a current balance of the first account and the predicted minimum balance for the first account, that the first account has a surplus of funds. Based at least on the surplus, the system may send an instruction.

Provided is a process, including for lending, with a smart contract executable by a decentralized computing platform, money to a borrower. The process includes securing, with the smart contract, the loan by obtaining control of cryptocurrency of the borrower and monitoring, via the smart contract, whether the cryptocurrency satisfies a loan-to-value threshold. In response to the monitoring, an amount of cryptocurrency secured with the loan can be adjusted.

Cryptographic-asset collateral management

This disclosure describes, in part, techniques for enabling a merchant or other user to obtain needed capital by financing the cost of individual items after the merchant or other user has acquired the item(s) using a financial instrument, such as a credit card, debit card, or the like. For example, an example merchant may purchase, through the course of a month or other time period, multiple items for operation of their business using a credit card provided by a financial institution. Thereafter, a service provider may aggregate these purchases and enable the merchant to request to finance individual item(s). In response to receiving such a request, the service provider can solicit offers from an array of lenders.

This disclosure describes, in part, techniques for generating predictive models based on past transaction data and/or future-event data to predict: (i) when an account of user is expected to fall below a minimum balance associated with that user, and/or (ii) when an account has surplus funds that may safely be moved to a higher-yield account for some amount of time. In response to determining a predicted time at which an account is expected to fall below the minimum balance, the techniques may generate an offer to extend capital to the user prior to the predicted time. In response to determining that a user has or will have surplus funds, the techniques may generate an offer to move some or all of these surplus funds into a separate account providing a higher yield than the primary account of the user.

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Woodside, CA, United States of America

Jacqueline Reses