The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
May. 27, 2025
Filed:
Oct. 22, 2021
Affirm, Inc., San Francisco, CA (US);
Corey Swimmer, Palatine, IL (US);
Claire Crinion, Sleepy Hollow, NY (US);
Jill Fisher, San Francisco, CA (US);
Sam Bodanis, Park City, UT (US);
Laurie Sellick, Pacifica, CA (US);
Garrett Schlesinger, Brooklyn, NY (US);
Affirm, Inc., San Francisco, CA (US);
Abstract
A method of processing a customer transaction may include receiving an indication of a transaction between a customer and a vendor, checking an account status of a primary account of the customer at a customer bank, and determining, within a predetermined time of the indication, whether to accept or decline the transaction based on the account status. The method may further include, if the transaction is accepted, authorizing a transfer of funds to the vendor and communicating with the customer to determine whether to settle the transaction or handle the transaction as an installment loan to the customer.