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:
Jun. 23, 2026
Filed:
Jul. 09, 2024
Block, Inc., Oakland, CA (US);
Mohsen Sardari, Burlingame, CA (US);
Yi Li, Millbrae, CA (US);
Kin Ho Lee, Toronto, CA;
Nic Kleene, San Francisco, CA (US);
Ankit Dutta, San Francisco, CA (US);
Pooja Choudhary, Redwood City, CA (US);
Yibo Chen, Shanghai, CN;
Block, Inc., Oakland, CA (US);
Abstract
Using risk metrics to facilitate transactions is described. A payment service computing platform may, in association with a request to initiate an interaction with a merchant, determine a user risk metric associated with a user of a payment service. The platform may determine, based on transaction data associated with merchants, merchant risk metrics associated with the merchants, filter the merchants based on the user risk metric and the merchant risk metrics to generate a list of merchants, and cause a user interface of a payment application associated with the payment service and executing on a device of the user to present at least a portion of the list of merchants. The platform may then receive indications of a selected merchant and an item(s) to be purchased from the selected merchant, use a single-use payment instrument to complete a transaction for the item(s), and generate a loan associated with the transaction.