公开(公告)号：EP4350596A1

公开(公告)日：2024-04-10

申请号：EP23198290.1

申请日：2023-09-19

申请人： Affirm, Inc.

发明人： Glover, Ellen ,  Karthikeyan, Ajai ,  Tang, Nelson

IPC分类号： G06Q20/20 ,  G06Q20/24 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q30/0601 ,  G06Q40/03

摘要： A method for providing financing in connection with product scanning self-checkout may include receiving user information associated with a self-checkout product scanning application, providing a link to a financing option for a transaction to purchase one or more items in a virtual cart of the self-checkout product scanning application for provision to a customer associated with the user information received, responsive to selection of the link by the customer, performing a credit extension decision with respect to a financing option based on the user information and transaction information associated with the transaction, and, responsive to an approval from the credit extension decision, financing the transaction by providing payment for the transaction to a merchant associated with the self-checkout product scanning application.

公开(公告)号：EP4343655A1

公开(公告)日：2024-03-27

申请号：EP23198016.0

申请日：2023-09-18

申请人： Affirm, Inc.

发明人： Sellick, Laurie ,  Miller, Alexandra Lang ,  Lovely, Ned Jackson ,  Mahon, Andrew ,  Schlesinger, Garrett ,  Qian, Joshua

IPC分类号： G06Q20/10 ,  G06Q20/12 ,  G06Q20/24 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q40/03 ,  G06Q20/20

摘要： A method of processing a customer transaction may include receiving an estimated purchase amount and merchant identity information defining a future purchase from a customer, providing loan terms associated with one or more financing options corresponding to the defined future purchase, responsive to the customer agreeing to terms on a selected financing option, storing the financing option in association with the estimated purchase amount and the merchant identity information, responsive to receiving an indication of a transaction between the customer and a merchant, determining whether the transaction maps to the defined future purchase, and originating a loan to finance the transaction in accordance with the selected financing option in response to the transaction mapping to the defined future purchase.

公开(公告)号：EP4266234A1

公开(公告)日：2023-10-25

申请号：EP23167901.0

申请日：2023-04-14

申请人： Affirm, Inc.

发明人： YAO, Yuan ,  XU, Jiarui ,  RAMKUMAR, Karthik ,  NIKOLOV, Ivajlo ,  FAN, Ruixiang

IPC分类号： G06Q40/03 ,  G06Q40/06 ,  G06Q30/0279 ,  G06Q20/24

摘要： 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. The method may further include, responsive to identification of a selected candidate determined to be eligible, providing an onboarding package to the selected candidate to enable the selected candidate to offer financing terms to customers via the selective financing and payment platform.

公开(公告)号：EP4236197A3

公开(公告)日：2023-10-25

申请号：EP23171107.8

申请日：2020-02-17

申请人： ADP, Inc.

发明人： SILVEIRA, Roberto ,  PEREIRA, Fabiano ,  SILVA, Leandro ,  FRANTZ, Matheus ,  CARVALHO, Daniel ,  HARTMANN, Julio ,  MOURA, Bruno ,  CASTRO, Iury ,  BOSCAINI, Lucas ,  PRIMAZ, Ezequiel

IPC分类号： G06Q40/03 ,  H04L9/32 ,  G06N3/006 ,  G06N3/126 ,  G06N20/00 ,  G06N7/01

摘要： The invention is directed to a method for facilitating micro-loan transactions, comprising: aggregating human capital management information; scrubbing the dataset; dividing the data into training data and test data to be used for building and testing a predictive model; constructing the predictive model; using the predictive model to calculate predicted borrower-users and lender-users and populating a database with the predicted values; converting the predicted values into integrity scores to form an index representing predicted borrower-users and lender-users, wherein the integrity scores are updated based on user feedback; receiving (1720) a loan transaction request (228) from a borrower-user (210); determining (1730) a risk score (230) for the loan transaction based at least on the borrower-user (210)'s integrity score (222); identifying (1740) a set of lender-users (212) based on the determined risk score (230) and the lender-users (212)' integrity scores (222); facilitating (1750) a negotiation of transaction terms (238) between the borrower-user (210) and the set of lender-users (212) to determine the transaction terms (238); responsive to finalization of the transaction terms (238), recording (1760) the loan transaction and the transaction terms (238) in a blockchain, and remitting loan funds to the borrower-user (210); responsive to a subsequent repayment of the loan transaction according to the transaction terms (238), soliciting (1770) peer-submitted feedback (226) from at least one of the borrower-user (210) and the set of lender-users (212); and updating (1780) the integrity score (222) for the borrower-¬user (210) and the set of lender-users (212) based on received peer-submitted feedback (226) regarding the loan transaction.

公开(公告)号：EP4224375A1

公开(公告)日：2023-08-09

申请号：EP22207174.8

申请日：2022-11-14

申请人： Fujitsu Limited

发明人： Nakao, Yuri

IPC分类号： G06N5/045 ,  G06N20/00 ,  G06Q40/03

摘要： A machine learning program including instructions for obtaining multiple classification results of classification of a plurality of data pieces outputted from a machine learning model into which the plurality of data pieces have been inputted; specifying in accordance with classification results, a first plurality of attributes among a plurality of attributes included in a first plurality of data pieces classified into a first group and a second plurality of data pieces classified into a second group, each difference between each value of the first plurality of attributes of the first plurality of data pieces and each value of the first plurality of attributes of the second plurality of data pieces satisfying a condition; determining labels of the data pieces based on a first index representing a combination of the first multiple attributes; and training the machine learning model, using the labels and the data pieces.

公开(公告)号：EP4195128A1

公开(公告)日：2023-06-14

申请号：EP22208385.9

申请日：2017-04-10

申请人： nChain Licensing AG

发明人： WRIGHT, Craig Steven ,  SAVANAH, Stephane

IPC分类号： G06Q20/06 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q40/03 ,  G06F21/30 ,  H04L9/32 ,  H04L9/00 ,  G06F21/64

摘要： The invention comprises a computer-implemented method and system for controlling an exchange process, such as a loan, conducted between at least two parties via a blockchain such as the Bitcoin blockchain. A method according to the invention may comprise the step of generating a first blockchain transaction which includes a redeem script. The redeem script comprises a cryptographic public key associated with an initiating party and metadata which includes a hash of an exchange-related document; a redeem address; and an amount of digital currency. A second blockchain transaction is generated and published to the blockchain so as to spend the digital currency to the redeem address. This provides the advantage that the further transaction will be publically available and thus detectable by other parties once it has been published. The further transaction can provide the information necessary to trigger a response e.g. an offer from another (responding) party who publishes their response on the blockchain. Thus, the exchange process can be implemented via a multi-transaction mechanism on the blockchain rather than an alternative medium. The exchange related document may be an invitation (offer/request) which is stored off-block in a repository such as a Distributed Hash Table (DHT). The invitation may be an invitation to engage in a contract. A smart contract (and associated blockchain transaction) may be formed upon condition that a plurality of participants (e.g. lenders/borrowers) are matched with each other via one or more responses effected via transactions on the blockchain.

公开(公告)号：EP4141777A1

公开(公告)日：2023-03-01

申请号：EP22187829.1

申请日：2015-07-17

申请人： Dziuk, Mark V.

发明人： Dziuk, Mark V.

IPC分类号： G06Q30/0601 ,  G06Q40/03 ,  G06Q30/02

摘要： An online marketplace system generates an online marketplace for seller-financed transactions. The system includes a plurality of listings of transaction offerings that are available. The transaction offerings are listed by a plurality of users and are from a plurality of different categories of products and services. The transaction offerings include a plurality of transaction terms, including payment and seller-financing terms. A transaction engine facilitates the negotiation of transaction terms between users and the formation of agreement between users. Transaction coins are awarded during the successful performance of a transaction according to the agreed upon transaction terms. A reputation engine generates trust profiles and trust scores for users. The trust profiles and trust scores are used by parties to evaluate the trustworthiness of the other party. A user interface engine generates a user interface that includes listings from users and trust scores of those users.