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. 26, 2026
Filed:
Apr. 23, 2024
Block, Inc., Oakland, CA (US);
Joachim Bekmann, San Francisco, CA (US);
Nicholas Halpern, Oakland, CA (US);
Block, Inc., Oakland, CA (US);
Abstract
Examples include receiving, at a system, user data related to a user of a plurality of users, the user data including user characteristics associated with the user. The system assigns the user to a group of users based at least in part on the user sharing at least one user characteristic with users in the group of users. The system uses a machine learning model for determining, at least in part, an optimal communication channel through which to send a loan offer to the user, the machine learning model having been trained to determine optimal communication channels for providing loan offers based at least on user data associated with respective users of the group of users. The system sends the loan offer to the user via at least one communication channel selected based at least on the optimal communication channel determined at least in part using the machine learning model.
Data source: USPTO (United States Patent and Trademark Office) public patent records. Weekly synchronization. How IDiyas builds this profile