Patent ID: 11922495
Assignee: BLOCK, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 19:
20. The one or more non-transitory computer-readable media as recited in claim 17, wherein the lending query comprises a first lending query, the request comprises a first request and the 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 comprising:
receiving, at the payment service, a second lending query from the user, the second lending query comprising a second request to obtain funds for an item previously purchased by the user;
applying, at the payment service, the model to the second lending query to obtain an indication that the second lending query is approved; and
sending, from the payment service and for presentation on the user device, an indication that the second lending query for obtaining funds for the item previously purchased has been approved.