Square, Inc.

Block, Inc.

Jacquelyn Brosamer

Yongxue Qi

Theodore Wenjung Mao

Riley Crane

Taylor Hunt

Joshua Schwarzapel

Techniques described herein are directed to lending products with different repayment mechanisms. In an example, indication(s) of purchase(s) made using a payment instrument associated with a first lending product can be associated with a first data structure, wherein the first data structure is associated with a balance determined based at least in part on the indication(s). Based at least in part on determining that the balance exceeds a predetermined threshold, a portion of the balance can be associated with a second data structure associated with a second lending product, wherein the first lending product and the second lending product are independently associated with different repayment mechanisms. The portion of the balance can therefore be repaid via a repayment mechanism associated with the second lending product.

Lending products with different repayment mechanisms

Techniques and arrangements for industry vertical classification of merchants using merchant signals, based, in part, on data obtained from payment activity. The techniques can include identifying one or more clusters using the data associated with the merchant and classifying and/or reclassifying the merchant within a cluster and then a class using the one or more identified clusters.

Adaptive merchant classification

Growing community of inventors

Oakland, CA, United States of America

Jacquelyn Brosamer