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:
Sep. 23, 2025
Filed:
May. 24, 2023
Stripe, Inc., San Francisco, CA (US);
Jack David Paul Dent, San Francisco, CA (US);
Jeremy Douglas Hoon, San Francisco, CA (US);
Stripe, Inc., San Francisco, CA (US);
Abstract
A payment processing method and apparatus with advanced funds are disclosed. In one embodiment, the method comprises generating, using a revenue forecasting engine of a payment processing system, a probabilistic forecast of revenue for a plurality of merchants for a period of time in the future; determining, using a pricing engine of the payment processing system, one or more potential cash advances for each of the plurality of merchants; automatically generating one or more offers for advances for each of the plurality of merchants; electronically sending a notification containing the one or more offers to the plurality of merchants for display on a graphical user interface (GUI) with information about availability of an advance and terms to enable selection of at least one of the one or more offers.