Company Filing History:
Years Active: 2025
Title: The Innovative Mind of Xingjie Liu
Introduction
Xingjie Liu is a prominent inventor based in San Francisco, CA. He has made significant contributions to the field of finance technology through his innovative patent. Liu's work focuses on enhancing user experience in payment services, making financial transactions more accessible and efficient.
Latest Patents
Xingjie Liu holds a patent titled "Intelligently determining terms of a conditional finance offer." This invention involves providing an application for installation on a user device of a payment service user. It includes receiving transaction data associated with the user's transactions. A request to finance a transaction is received via the user interface of the application. Based on the received transaction data, terms for financing the transaction are determined, including a down payment that must be satisfied before the user receives the financing. The financed funds are accessible via a payment instrument that is initially in a locked state. Once the down payment is satisfied, the payment instrument is unlocked and becomes usable. A payment request associated with the transaction includes payment data related to the payment instrument. Upon receiving the payment request, the financing is issued, and a repayment schedule is generated based on the terms. Liu has 1 patent to his name.
Career Highlights
Xingjie Liu is currently employed at Block, Inc., where he continues to innovate in the financial technology sector. His work has been instrumental in developing solutions that streamline financial processes for users.
Collaborations
Liu collaborates with talented individuals in his field, including his coworker, Taylor Hunt. Their combined expertise contributes to the advancement of innovative financial solutions.
Conclusion
Xingjie Liu's contributions to financial technology through his patent demonstrate his commitment to improving user experiences in payment services. His innovative approach continues to shape the future of finance.