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21.发明公开公开(公告)号：US20230342754A1
公开(公告)日：2023-10-26
申请号：US17728386
申请日：2022-04-25
申请人： Affirm, Inc.
发明人： Thomas Haider , Angela Dao
CPC分类号： G06Q20/351 , G06Q20/102 , G06Q20/227 , G06Q20/407 , G06Q30/016
摘要： 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. The virtual card may have a persistent primary account number (PAN) that enables the virtual card to be used for obtaining financing for multiple transactions without changing the persistent PAN. The method may further include facilitating payment of the vendor or merchant on behalf of the customer in response to the request, establishing a loan for the customer based on the transaction, and facilitating servicing the loan based on an activity of the customer after the loan is established.
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公开(公告)号：US20230297943A1
公开(公告)日：2023-09-21
申请号：US17698463
申请日：2022-03-18
申请人： Affirm, Inc.
发明人： Mark L Sainz Zaragoza , Hossein Ghodrati Noushahr , Pablo Lopez Alvarez , Enric Gili Fort , Oliver Liu , Eduardo Vilar
IPC分类号： G06Q10/08
CPC分类号： G06Q10/0837
摘要： 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. The method may further include employing a trained model to determine a likelihood of return rating associated with physical receipt of a returned product associated with the product return request based on the product return data, responsive to the likelihood of return rating exceeding a threshold, extending a credit to the customer based on a value of the returned product, and enabling the customer to initiate a product repurchase using the credit.
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公开(公告)号：US20230281690A1
公开(公告)日：2023-09-07
申请号：US17684017
申请日：2022-03-01
申请人： Affirm, Inc.
发明人： Enric Gili Fort , Hossein Ghodrati Noushahr , Pablo Vargas Ibarra , Mark L. Sainz Zaragoza , Eduardo Vilar
CPC分类号： G06Q30/0631 , G06Q30/0282
摘要： 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. The method may further include filtering the search results based on a likelihood of return rating of at least some of the relevant products, and displaying a plurality of recommended products based on the filtering of the search results.
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公开(公告)号：US20220383321A1
公开(公告)日：2022-12-01
申请号：US17329990
申请日：2021-05-25
申请人： Affirm, Inc.
发明人： Fi-Khanh Nguyen , Shane Moriah , Rohan Dhananjay Nagalkar , Marc Sherry , Maxwell Blumenfeld , Naftali Harris , Sung Hu Kim
IPC分类号： G06Q20/40
摘要： A method of employing fraud rules associated with identification of fraud in connection with financial transactions may include receiving information associated with a fraud scenario and defining a fraud rule based on the information. The fraud rule may include fraud criteria used to analyze financial transaction data to detect the fraud scenario and may also include a fraud response. The method may further include defining activation criteria for the fraud rule and enabling activation of the fraud rule for inclusion in product flows associated with the financial transactions in response to the activation criteria being met.
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公开(公告)号：US11374927B1
公开(公告)日：2022-06-28
申请号：US16901397
申请日：2020-06-15
申请人： AFFIRM, INC.
发明人： Jeffrey Howard Kaditz , Andrew Gettings Stevens , Bradley N. Selby , Aaron Ng Ligon , Manuel De Jesus Arias
摘要： A login system allows users to access computer systems without using a password. The passwordless system and method can use other information to securely and reliably identify true authorized system users. The identity of a user can be associated with their mobile device. The login can be based upon a minimal amount of information such as a name and a phone number which can be stored as an identification record for each of the users in a database.
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公开(公告)号：US20220067595A1
公开(公告)日：2022-03-03
申请号：US17459463
申请日：2021-08-27
申请人： Affirm, Inc.
发明人： Qi (Nick) Zhu
摘要： A method for updating online reservations may include receiving a request for a listing of available hotel rooms, retrieving available hotel room information from multiple servers, displaying the list of available hotel rooms, and receiving user selection of one of the available hotel rooms. The method may further include generating a reservation based on the user selection, monitoring hotel room prices, canceling an original reservation in response to identifying a lower price, generating a new reservation, and crediting a user account based on a price difference between the original reservation and the new reservation.
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公开(公告)号：US11243652B2
公开(公告)日：2022-02-08
申请号：US16664336
申请日：2019-10-25
申请人： Affirm, Inc.
发明人： Adam Smith , Tarak Upadhyaya , Juan Lozano , Daniel Hung
IPC分类号： G06F3/0481 , G06N5/04 , G06F16/25 , G06F16/23 , G06F16/22 , G06F16/242 , G06F16/2457 , G06F16/248 , G06F11/30 , G06F11/34 , G06N20/00 , G06F8/30 , G06F9/445
摘要： Disclosed systems and methods relate to a knowledge sharing system for aggregating and disseminating knowledge related to programming. The knowledge system for aggregating and disseminating knowledge related to programming may organize or index knowledge according to topics. A topic may be any kind of transferrable piece of knowledge that may be shared. In some embodiments, knowledge organized under a topic may be comprised of a record of interactions with computing systems, and in some embodiments, knowledge organized under a topic may be comprised of text documents, code samples, documentation, web sites, records of discussions, or other kinds of reference materials.
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公开(公告)号：US12086878B2
公开(公告)日：2024-09-10
申请号：US18498645
申请日：2023-10-31
申请人： Affirm, Inc.
发明人： Max Levchin , Christopher Beckmann , Jeffrey Howard Kaditz , Roberto Novoa , Andrew Gettings Stevens , Manuel De Jesus Arias , Aaron Ng Ligon
IPC分类号： G06Q40/03
CPC分类号： G06Q40/03
摘要： A web based finance system allows users to refinance past eligible purchasing transactions. The system can include a system server(s) which is in communication through a network with client computing devices associated with customers. The server can receive customer information and determine a refinancing value range based upon the user has a bank account and/or credit risk rating information. The server can identify prior eligible credit card purchases for refinancing and the customer can select one or more purchases for refinancing and the refinancing loan terms.
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29.发明公开公开(公告)号：US20240177133A1
公开(公告)日：2024-05-30
申请号：US18070790
申请日：2022-11-29
申请人： Affirm, Inc.
发明人： Henry McGowan , Nitesh Kumar , Jesse Kendrick
摘要： A method for providing a voluntary down payment interface in association with a financing offer may include providing, to a remote device of a customer in association with a transaction between a merchant and the customer, an indication of a financing offer associated with a loan, providing, on a same page or screen of the remote device as the indication of the financing offer, a selectable option to display a down payment selector interface for making the voluntary down payment, responsive to the selectable option being selected, displaying the down payment selector interface, and, responsive to the selectable option not being selected, hiding or not displaying the down payment selector interface.
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30.发明公开公开(公告)号：US20230419409A1
公开(公告)日：2023-12-28
申请号：US17851146
申请日：2022-06-28
申请人： Affirm, Inc.
CPC分类号： G06Q40/06 , G06Q30/0203 , G06Q40/04
摘要： 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. The method may further include, responsive to approval of the merchant, receiving context information regarding content requested, and providing the content requested to the merchant based on the context information to support the marketing event.
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