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. 05, 2026
Filed:
Apr. 12, 2024
Block, Inc., Oakland, CA (US);
Brian Grassadonia, San Francisco, CA (US);
Tobi Kral, San Francisco, CA (US);
Eric Firestone, San Francisco, CA (US);
Kristopher David Stipech, West Hollywood, CA (US);
Michael Dustin Moring, San Francisco, CA (US);
Block, Inc., Oakland, CA (US);
Abstract
A payment service may receive a first payment request from a first user seeking funds from a second user. Having determined that the second user's account lacks sufficient funds, the payment service may send the second user an offer of funds to be repaid in installments. Once accepted, the amount is transferred from a host account to the first user's account. A second payment request seeking funds from a third user may be received. If the second user's account has a balance associated with repayment of the offered funds, the payment service intercepts a payment message to deposit funds for the second payment request from the third user's account into the second user's account. Responsive to intercepting the payment message and prior to any funds associated with the payment message being deposited, the payment service may modify the instructions to divert the funds to the host account.