Patent ID: 11948140
Assignee: BLOCK, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 7:
8. A payment processing system comprising:
one or more processors; and
one or more non-transitory computer-readable media storing instructions that, when executed by the one or more processors, cause the one or more processors to perform operations including:
receiving transaction information related to a transaction taking place between a customer and a merchant, the transaction information including payment instrument information of a payment instrument of the customer;
based at least in response to receiving the payment instrument information of the customer for the transaction taking place, at least one of: charging the payment instrument for an amount associated with the transaction, or placing an authorization hold on the payment instrument;
generating, based on the at least one of the charging the payment instrument or the placing the authorization hold, a notification indicating completion of the transaction between the customer and the merchant, the notification including an offer for the customer to receive financing from the payment processing system for the transaction at least partially in place of payment with the payment instrument, the notification further including an interactive element that enables customer acceptance of the offer to receive the financing at least partially in place of the payment with the payment instrument;
transmitting, to a device associated with the customer, in real time and based at least in response to the completion of the transaction between the customer and the merchant, the notification including the offer for the customer to receive the financing for the transaction at least partially in place of the payment with the payment instrument and further including the interactive element that enables acceptance of the offer;
receiving an indication of the acceptance of the offer to receive the financing based at least on receiving an indication of interaction with the interactive element included with the notification; and
transmitting an instruction to cause a financed amount to be provided according to the acceptance of the offer.