公开(公告)号：US20160335717A1

公开(公告)日：2016-11-17

申请号：US14709363

申请日：2015-05-11

Applicant: Facebook, Inc.

Inventor： Aaron Patrick O'Brien ,  Luis Medina ,  John Stephen Anderson ,  Pedro Chen ,  Marius Mircea Lazer

IPC: G06Q40/02 ,  G06Q20/24

CPC classification number: G06Q40/025 ,  G06Q20/24 ,  G06Q20/405

Abstract: Systems, methods, and non-transitory computer-readable media can determine that a user has requested a service that involves payment. Information associated with the user can be analyzed. It can be determined, based on the information associated with the user, that the user is eligible for a subsequent payment option. The subsequent payment option can be provided to the user as a line of credit applicable toward payment for the service.

Abstract translation: 系统，方法和非暂时的计算机可读介质可以确定用户已经请求涉及支付的服务。 可以分析与用户相关联的信息。 可以基于与用户相关联的信息确定用户有资格获得后续付款选项。 随后的付款选项可以作为适用于服务支付的信用额度提供给用户。

公开(公告)号：US20160042405A1

公开(公告)日：2016-02-11

申请号：US14451574

申请日：2014-08-05

Applicant: Facebook, Inc.

Inventor： Sharon Zeng ,  Pratap Venkataram Prabhu ,  Marius Mircea Lazer ,  Aaron Patrick O'Brien ,  Franklin Sarkett ,  Leonid Dubinsky ,  Erica L. Sanders ,  Leslie Kathleen Smith

IPC: G06Q30/02

CPC classification number: G06Q30/0273 ,  G06Q40/025

Abstract: Methods and systems are described for identifying a likelihood that a client will provide payment for an overdue balance associated with the client's account and ranting a grace period to the client in which to provide the payment. This permits a client to provide payment for an overdue balance that may have been unintentional without an interruption of the services rendered to the client. Factors used to determine whether to grant the grace period include financial characteristics of the client's account. In the example of an advertiser using a social networking system to serve ads, social engagement of the advertiser can also be used to determine whether to grant a grace period.

Abstract translation: 描述了方法和系统，用于识别客户将为与客户帐户相关联的逾期余额提供付款并将宽限期延长到提供付款的客户端的可能性。 这样一来，客户就可以不必中断向客户提供的服务而为无意的逾期余额提供付款。 用于确定是否给予宽限期的因素包括客户帐户的财务特征。 在使用社交网络系统来投放广告的广告商的示例中，也可以使用广告商的社交参与来确定是否授予宽限期。