Patent ID: 11914154
Assignee: BLOCK, INC.
Field: Optics (Instruments)
Classification: CPC G | IPC G

Claim 15:
16. The one or more non-transitory computer-readable media of claim 14, the operations further comprising:
determining, by the one or more servers and based at least in part on the level of risk associated with the payment transaction, a first amount of funds to withhold from payment of the payment transaction to the merchant, at least a portion of the first amount of funds to be remitted to the merchant at a subsequent time;
generating, by the one or more servers and based on the indication that the merchant purchases the insurance, an updated level of risk associated with the payment transaction; and
determining, by the one or more servers and based at least in part on the updated level of risk associated with the payment transaction, a second amount of funds to withhold from payment of the payment transaction to the merchant, the second amount being less than the first amount.