公开(公告)号：US20230237569A1

公开(公告)日：2023-07-27

申请号：US17573530

申请日：2022-01-11

Applicant: STRIPE, INC.

Inventor： Jun WEN ,  Bo XU ,  Bryan IRACE ,  Jack DENT ,  Sharif CORINALDI ,  Yaakov ERLICHMAN

IPC: G06Q40/02 ,  G06Q10/04

CPC classification number: G06Q40/025 ,  G06Q10/04

Abstract: Methods and apparatuses for performing prediction based on merchant transaction data are described. In some embodiments, a method comprises: receiving, by one or more payment processing systems, from a plurality of merchant computing devices associated with a plurality of merchants, respectively, transaction data of transactions performed between the plurality of merchants and a plurality of customers; applying, by the one or more payment processing systems, an interpretable machine learning model framework to produce predictions based at least on the transaction data; determining whether to provide loan financing to merchants based on the predictions; and providing, by the payment processing system, loan financing to an account of at least one merchant in response to the determination, including configuring repayment terms individually for each of the merchants receiving the loan financing.