公开(公告)号：US20240221084A1

公开(公告)日：2024-07-04

申请号：US18603713

申请日：2024-03-13

申请人： Affirm, Inc.

发明人： Donovan Halpin ,  Jesse Kendrick ,  Julia Harrigan ,  Daniel E. Kaufman ,  Nitesh Kumar

IPC分类号： G06Q40/06 ,  G06Q30/0203 ,  G06Q40/04

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.

公开(公告)号：US20240177233A1

公开(公告)日：2024-05-30

申请号：US18070726

申请日：2022-11-29

申请人： Affirm, Inc.

发明人： Yonglin Wu ,  Nitesh Kumar

IPC分类号： G06Q40/02

CPC分类号： G06Q40/025

摘要： A method for exploring lending approval model improvement may include receiving a plurality of loan applications, applying a model to the loan applications to determine an approved set of customers approved for financing under the model and a set of rejected customers rejected for financing under the model, determining, from the set of rejected customers, a selected group of rejected customers and approving the selected group for financing, where loan repayment activity of the selected group defines an exploratory data set, determining, based on the exploratory data set, a set of successful rejected applicants that repay loans associated with the financing for which the selected group was approved, and employing the exploratory data set to evaluate the model for replacement or modification based on the set of successful rejected applicants.

公开(公告)号：US11941033B2

公开(公告)日：2024-03-26

申请号：US16767017

申请日：2018-11-27

申请人： Affirm, Inc.

发明人： Qi Zhu ,  Sean Weisman ,  Gregory Ward ,  Alishan Ladhani ,  Jeff Li

IPC分类号： G06F16/33 ,  G06F16/31 ,  G06F16/338 ,  G06F16/35 ,  G06F40/205 ,  G06F40/40

CPC分类号： G06F16/3344 ,  G06F16/31 ,  G06F16/338 ,  G06F16/353 ,  G06F40/205 ,  G06F40/40

摘要： The disclosure is directed at a method and system for improved search functionality. By using natural language processing (NLP), individual words in a search term may be parsed and then individually stored. The relationships between the individual words of the search term may also be stored such that when the search is repeated, the previous results may be retrieved and, if not, a more accurate search may be performed.

公开(公告)号：US20230334563A1

公开(公告)日：2023-10-19

申请号：US17723871

申请日：2022-04-19

申请人： Affirm, Inc.

发明人： Yuan Yao ,  Jiarui Xu ,  Karthik Ramkumar ,  Ivajlo Nikolov ,  Ruixiang Fan

IPC分类号： G06Q40/02

CPC分类号： G06Q40/025 ,  G06Q50/01

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：US20230298029A1

公开(公告)日：2023-09-21

申请号：US17697868

申请日：2022-03-17

申请人： Affirm, Inc.

发明人： Pablo Lopez Alvarez ,  Enric Gili Fort ,  Mark L Sainz Zaragoza ,  Oliver Liu ,  Eduardo Vilar

IPC分类号： G06Q20/40

CPC分类号： G06Q20/4016

摘要： 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. The method may further include aggregating the time series information, generating a plurality of trained models associated with the product returns, employing a selected model to forecast return volume and repurchase volume for a given merchant, determining a risk assessment value for the given merchant, and, if the risk assessment value is below a risk threshold, providing an offer of a merchant cash advance to the given merchant based on the forecast return volume and repurchase volume.

公开(公告)号：US20230186382A1

公开(公告)日：2023-06-15

申请号：US17546292

申请日：2021-12-09

申请人： Affirm, Inc.

发明人： Laurie Sellick ,  Krista Potter

IPC分类号： G06Q40/02 ,  G06Q20/40 ,  G06Q20/24 ,  G06Q20/10

CPC分类号： G06Q40/025 ,  G06Q20/40 ,  G06Q20/24 ,  G06Q20/102

摘要： A method for providing an interface to a user in relation to extension of a loan to the 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. The method may further include, responsive to a credit extension decision with respect to a financing option based on the user information and the transaction information, generating one or more credit offers to present to the user, and, responsive to user selection of a selected credit offer, generating a composite disclosure comprising a first section including payment details for pay back of a loan associated with the selected credit offer and a second section including legal or required disclosure materials associated with the selected credit offer.

公开(公告)号：US11442702B2

公开(公告)日：2022-09-13

申请号：US16579750

申请日：2019-09-23

申请人： Affirm, Inc.

发明人： Adam Smith ,  Tarak Upadhyaya ,  Juan Lozano ,  Daniel Hung

IPC分类号： G06F8/33 ,  G06N3/04 ,  G06F8/34 ,  G06F40/284

摘要： A system and method may provide assistance to programmers during programming to reduce the number of routine tasks that must be performed. In some aspects, the system may suggest one or more code snippets that comprise code completions. The code snippets may be single or multi-token. In some aspects, the system may provide predictive editing or predictive navigation, where the system may predict edits or navigation actions based on a programmer's actions. In some aspects, the system is based on machine learning methods and is trained on past actions of programmers in a code editor.

公开(公告)号：US20240202736A1

公开(公告)日：2024-06-20

申请号：US18590209

申请日：2024-02-28

申请人： Affirm, Inc.

发明人： Youyou Yang ,  Daniel Kaufman ,  Edward Oistacher

IPC分类号： G06Q20/40 ,  G06Q20/24

CPC分类号： G06Q20/407 ,  G06Q20/24

摘要： When a loan payment failure occurs, a loan server can retry a payment from a client's financial institution sources rather than immediately charging the client for the payment failure. The payment retry is scheduled on a Friday that is at least three days after the payment failure. If a payment failure from the financial institution sources to the loan server occurs between a Friday and the following Monday the payment retry by the loan server to the financial institution sources will occur on the first following Friday and if the payment failure occurs on Tuesday, Wednesday or Thursday, the payment retry will occur on the second following Friday which is the Friday of the following week from the failure date.

公开(公告)号：US20240112249A1

公开(公告)日：2024-04-04

申请号：US17958641

申请日：2022-10-03

申请人： Affirm, Inc.

发明人： Ellen Glover ,  Ajai Karthikeyan ,  Nelson Tang

IPC分类号： G06Q30/06 ,  G06Q20/22 ,  G06Q20/24 ,  G06Q20/26 ,  G06Q20/32 ,  G06Q20/40

CPC分类号： G06Q30/0637 ,  G06Q20/24 ,  G06Q20/26 ,  G06Q20/29 ,  G06Q20/3223 ,  G06Q20/3267 ,  G06Q20/3276 ,  G06Q20/4014

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：US20240106822A1

公开(公告)日：2024-03-28

申请号：US18527893

申请日：2023-12-04

申请人： Affirm, Inc.

发明人： Jeffrey Howard Kaditz ,  Andrew Gettings Stevens ,  Bradley N. Selby ,  Aaron Ng Ligon ,  Manuel De Jesus Arias

IPC分类号： H04L9/40 ,  G06F21/35 ,  H04L67/10

CPC分类号： H04L63/0853 ,  G06F21/35 ,  H04L63/08 ,  H04L63/10 ,  H04L67/10

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.