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:
Aug. 25, 2026
Filed:
Nov. 22, 2023
Block, Inc., Oakland, CA (US);
Juan Ignacio Santa Cruz Masoni, San Francisco, CA (US);
Philip Spanoudes, San Francisco, CA (US);
Melissa Doerken, San Francisco, CA (US);
Jerome Weiss, San Francisco, CA (US);
Block, Inc., Oakland, CA (US);
Abstract
In some examples, a payment service receives transaction data for transactions processed by the payment service. Based on information related to a user of the payment service, an artificial intelligence (AI) model is used to generate a first credit offer and credit limit for the user, the AI model having been trained using the transaction data to generate credit offers by determining whether information about the user satisfies a first threshold for likelihood of default. One or more characteristics of the user are compared with one or more characteristics of at least one similar user to determine that the user is associated with additional information indicating that the user satisfies a second threshold for likelihood of default. The AI model is used to generate a second credit offer and credit limit for the user based at least on the additional information satisfying the second threshold for likelihood of default.