Block, Inc.

Taylor Hunt

Theodore Wenjung Mao

Zachary Margolis

Michael Cormier

Jacquelyn Brosamer

Xingjie Liu

Jesse Lash

SatAmrit Khalsa

Joshua Schwarzapel

Some examples include providing an application for installation on a user device of a user of a payment service, and receiving transaction data associated with transactions of the user. A request to finance a transaction for the user is received via a user interface of the application. Based on the received transaction data, terms for financing the transaction are determined, with one term including a down payment to be satisfied prior to the user receiving the financing. The financed funds are accessible via a payment instrument that is initially associated with a locked state. After the down payment has been satisfied, the payment instrument is unlocked and becomes usable in the unlocked state. A payment request associated with the transaction includes payment data associated with the payment instrument. Based on receiving the payment request, the financing is issued and a repayment schedule is generated based on the terms.

Intelligently determining terms of a conditional finance offer

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

Intelligent bundling of multiple loans is described. In an example, server computing device(s) can receive a request for a first loan to enable a buyer to purchase a first item from a first merchant and can generate the first loan based at least in part on determining that the buyer purchased the first item. The first loan can be associated with a balance based on an actual purchase price of the first item. The server computing device(s) can determine to bundle repayment of the first loan with at least a second loan, and based on determining to bundle repayment of the first loan and at least the second loan, the server computing device(s) can repay at least a portion of the first loan and at least a portion of the second loan via a single payment from an account of the buyer.

Intelligently bundling payments

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San Francisco, CA, United States of America

Taylor Hunt