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:
Nov. 18, 2025
Filed:
Oct. 25, 2021
Block, Inc., Oakland, CA (US);
Jacqueline Reses, Woodside, CA (US);
Block, Inc., Oakland, CA (US);
Abstract
In some examples, a system may determine a date on which a balance of a user account is expected to fall below a threshold based on analyzing at least one of: the balance of the user account over time, or historical transactions of the user over time. The system may determine an amount for an item purchased, or intended to be purchased, by the user, and may cause the user computing device to present, prior to the date, a suggestion to request financing for the item. In response to a request to finance the item, the system may cause the user computing device to present a graphical user interface (GUI) that includes offers for financing. The system may receive, from the user computing device, via the GUI, a selection of a first offer, and may send an instruction to cause a transfer of funds to the user account.