34 patents
Utility
System and method for passwordless logins
9 Jan 24
A login system allows users to access computer systems without using a password.
Jeffrey Howard Kaditz, Andrew Gettings Stevens, Bradley N. Selby, Aaron Ng Ligon, Manuel De Jesus Arias
Filed: 24 May 22
Utility
Method and Apparatus for Facilitating Merchant Self Service with Respect to Financing and Content Support for Marketing Events
28 Dec 23
A method of facilitating merchant self-service assistance to financing and content support for a marketing event may include receiving a request from a merchant for approval for financing and content generation to support the marketing event and determining whether to approve the merchant based on comparing information provided in the request to approval standards.
Donovan Halpin, Jesse Kendrick, Julia Harrigan, Daniel E. Kaufman, Nitesh Kumar
Filed: 28 Jun 22
Utility
System, method and apparatus for providing adaptive consumer checkout options
12 Dec 23
A method for employing adaptive credit decisions in relation to extension of a loan to a user may include receiving user information associated with the user and transaction information associated with a transaction of the user with respect to a product or service offered by a vendor, employing a first credit decision model to execute a first credit extension decision with respect to a first type of financing option based on the user information and the transaction information, employing a second credit decision model to execute a second credit extension decision with respect to a second type of financing option based on the user information and the transaction information, and determining, based on the first and second credit extension decisions, whether to extend a credit offer to the user when the user proceeds to checkout for the transaction.
Shawn Krisman, Jaya Pareek, Jeremy Mittleman, Kenny Eimer, Michael Boardman
Filed: 17 Sep 21
Utility
Method and Apparatus for Facilitating an Aggregated Marketplace for Providing Financing Offers In an Online Commercial Ecosystem
30 Nov 23
A method for facilitating presentation of financial offers from multiple sources on a single platform may include receiving an indication of a request from a customer for a financing offer, receiving qualification information associated with the request for provision to a plurality of underwriting models where the underwriting models are associated with respective different underwriters, running each of the underwriting models to determine a listing of approving underwriters, applying curation logic to the listing of approving underwriters, selecting, based on the curation logic, one or more of the approving underwriters to receive a generated offer, and directing display, at a communication device associated with the customer, of the generated offer for each of the one or more of the approving underwriters that is selected.
Vishal Kapoor, Dipti Bele, John Seaman
Filed: 31 May 22
Utility
Code search and code navigation
21 Nov 23
A system and method may provide assistance to programmers during programming to reduce the number of routine tasks that must be performed.
Adam Smith, Tarak Upadhyaya, Juan Lozano, Daniel Hung
Filed: 14 Oct 19
Utility
Method and Apparatus for Provision of a Virtual Card Having a Persistent Primary Account Number
26 Oct 23
A method of processing communications and actions of parties to a transaction may include receiving a request from a customer to use a virtual card to affect the transaction with a vendor or merchant.
Thomas Haider, Angela Dao
Filed: 25 Apr 22
Utility
Method and Apparatus for Facilitating Onboarding of Merchants into an Online Commercial Ecosystem
19 Oct 23
A method of facilitating merchant onboarding to a selective financing and payment platform may include automatically gathering information on a plurality of websites of candidate merchants and automatically processing the gathered information with a selected underwriting algorithm to determine whether one or more of the candidate merchants are eligible to be selected candidates for integration into the selective financing and payment platform.
Yuan Yao, Jiarui Xu, Karthik Ramkumar, Ivajlo Nikolov, Ruixiang Fan
Filed: 19 Apr 22
Utility
Method and apparatus for group purchasing using a historical price in an e-commerce environment
17 Oct 23
The method and system are directed at providing group purchasing at a historical price in an e-commerce environment.
Qi Zhu, James Cunningham
Filed: 22 May 19
Utility
Method and Apparatus for Facilitating Provision of Instant Credit to Customers VIA Rapid and Machine Learning Supported Underwriting Decisions
21 Sep 23
A method of facilitating a product return transaction may include receiving product return data from a merchant indicating merchant-specific information on product returns to the merchant and receiving an indication of a product return request from a customer.
Mark L Sainz Zaragoza, Hossein Ghodrati Noushahr, Pablo Lopez Alvarez, Enric Gili Fort, Oliver Liu, Eduardo Vilar
Filed: 18 Mar 22
Utility
Method and Apparatus for Facilitating Merchant Cash Advances on the Basis of Forecasted Return Volume
21 Sep 23
A method of evaluating a merchant cash advance option may include receiving time series information including a plurality of signals representing transactions of merchants and customers where at least one of the signals relates to product returns.
Pablo Lopez Alvarez, Enric Gili Fort, Mark L Sainz Zaragoza, Oliver Liu, Eduardo Vilar
Filed: 17 Mar 22
Utility
Method and Apparatus for Providing Recommendations Based on Return Data
7 Sep 23
A method of recommending products in association with product returns may include receiving a return request from a customer associated with a returned product and receiving search results based on a search for relevant products to the returned product.
Enric Gili Fort, Hossein Ghodrati Noushahr, Pablo Vargas Ibarra, Mark L. Sainz Zaragoza, Eduardo Vilar
Filed: 1 Mar 22
Utility
Tools for Purchasing Transactions
7 Sep 23
Financing tools can provide a flexible credit services to customer.
Jeffrey Howard Kaditz, Andrew Gettings Stevens, Manuel De Jesus Arias, Aaron Ng Ligon
Filed: 16 May 23
Utility
Refinancing tools for purchasing transactions
8 Aug 23
A web based finance system allows users to refinance past eligible purchasing transactions.
Max Levchin, Christopher Beckmann, Jeffrey Howard Kaditz, Roberto Novoa, Andrew Gettings Stevens, Manuel De Jesus Arias, Aaron Ng Ligon
Filed: 31 Mar 21
Utility
Tools for purchasing transactions
25 Jul 23
Financing tools can provide a flexible credit services to customer.
Jeffrey Howard Kaditz, Andrew Gettings Stevens, Manuel De Jesus Arias, Aaron Ng Ligon
Filed: 14 May 15
Utility
System, Method and Apparatus for Providing Mixed Cart Financing Options
6 Apr 23
A method for employing item-level financing offers in relation to extension of a loan to a user for an online cart including multiple items may include receiving information identifying a first item in the online cart and receiving information identifying a second item in the online cart.
Daniel E. Kaufman, Vishal Kapoor, Ajai Karthikeyan, Kelsey Ditto, Jesse Kendrick, Huyen Phan, Xiaojing Cui
Filed: 27 Sep 22
Utility
System, Method and Apparatus for Enabling Enhanced Consumer Engagement for Providing Access to Credit for Online Purchases
30 Mar 23
A method for employing a browser extension in relation to extending a financing offer to a user may include monitoring browser activity of a user via the browser extension responsive to loading a web page.
Emerson Hum, Jui-Chun Chien, Emilio Lopez, Han Yu Kang, Robert Arshonsky, Abhinay Korukonda, Christina Gee
Filed: 29 Sep 21
Utility
System, Method and Apparatus for Providing Adaptive Consumer Checkout Options
23 Mar 23
A method for employing adaptive credit decisions in relation to extension of a loan to a user may include receiving user information associated with the user and transaction information associated with a transaction of the user with respect to a product or service offered by a vendor, employing a first credit decision model to execute a first credit extension decision with respect to a first type of financing option based on the user information and the transaction information, employing a second credit decision model to execute a second credit extension decision with respect to a second type of financing option based on the user information and the transaction information, and determining, based on the first and second credit extension decisions, whether to extend a credit offer to the user when the user proceeds to checkout for the transaction.
Shawn Krisman, Jaya Pareek, Jeremy Mittleman, Kenny Eimer, Michael Boardman
Filed: 17 Sep 21
Utility
Advanced machine learning interfaces
28 Feb 23
A smart assistant is disclosed that provides for interfaces to capture requirements for a technical assistance request and then execute actions responsive to the technical assistance request.
Adam Smith, Tarak Upadhyaya, Juan Lozano, Daniel Hung
Filed: 11 Nov 19
Utility
System, Method and Apparatus for Making Credit Decisions at a User-Level
16 Feb 23
A method for employing user-level credit decisions in relation to extension of a loan to a user may include receiving prequalification information associated with a user and employing a first credit extension model to execute a first credit extension decision based on the prequalification information, where the first credit extension decision is associated with a first credit limit.
Angela Dao, Sidd Jagadish, Donald Lemire, Yonglin Wu, Quynh Mai, Colleen Carroll, Anthony Tadina, Zachary Palacios, Yael Bushoy, Wei Chen
Filed: 13 Aug 21
Utility
Method and system for ranking products in an electronic commerce environment based on similarity propagation
31 Jan 23
A method and system for ranking products using similarity propagation.
Qi (Nick) Zhu
Filed: 14 Aug 18