Transaction modification based on modeled profiles

US12373876B2 · kind B2 · utility

Assignee

• Block, Inc. · US

Inventors

• Abhay Kumar · Chapra, IN
• Dan Hipschman · San Francisco, US
• Rong Yan · Palo Alto, US
• John Berian James · San Francisco, US
• Gian Perrone · San Francisco, US
• Mai Leduc · San Francisco, US

Key dates

• Filing date: Aug 16, 2023
• Grant date: Jul 29, 2025
• Expiry date: Aug 16, 2043

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q30/0268
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Transaction modification based on modeled profiles is described. In an example, transaction data can be received from merchant computing devices associated with merchants associated with a payment processing system. A model can be trained to generate profiles using, as training data, one or more of merchant data, buyer data, or the transaction data. Upon receiving an indication of a particular transaction between a buyer and a merchant, it can be determined that a characteristic of the transaction corresponds to a profile of the generated profiles. Based on the determination that the characteristic corresponds to the profile and the transaction data, a recommendation can be generated for a modification of the transaction to add an item or replace an item.