Patent ID: 11935024
Assignee: BLOCK, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 9:
10. A method comprising:
receiving, at a payment processing system and from merchant computing devices associated with merchants, payment transaction information associated with payment transactions performed between the merchants and customers, the merchant computing devices each executing an instance of a merchant application provided by the payment processing system and for configuring the merchant computing devices as point-of-sale (POS) terminals configured to perform the payment transactions, the merchants including a first merchant associated with first account data and a second merchant associated with second account data;
applying a machine learning model configured to determine financing offers to associate with a transfer of control between the first merchant and the second merchant;
training the machine learning model utilizing a training dataset indicating classifications of the merchants as determined by the payment processing system;
determining that the transfer of control from the second merchant to the first merchant is requested;
determining, utilizing the trained machine learning model, at least one financing offer to be associated transaction condition associate with the transfer of control;
initiating, by at least associating the at least one financing offer to the transfer of control, the transfer of control from the second merchant to the first merchant, wherein a first portion of information associated with the second account data is obfuscated prior to initiating the transfer of control, wherein the information associated with the second account data comprises one or more of the payment transaction information, asset information, earning information, health score information, suggested sale price information, or identification information associated with the second merchant;
receiving an indication that the transfer of control is complete;
associating, based at least in part on the indication, the first account data of the first merchant with the second account data of the second merchant such that the first account data and the second account data are both associated with the first merchant instead of the second merchant; and
enabling, based at least in part on the associating, a first POS terminal associated with the first merchant to access the second account data.