ALEXANDRIA, Va., Nov. 18 -- United States Patent no. 12,475,509, issued on Nov. 18, was assigned to Block Inc. (Oakland, Calif.).
"Intelligent item financing" was invented by Jacqueline Reses (Woodside, Calif.).
According to the abstract* released by the U.S. Patent & Trademark Office: "In some examples, a system may determine a date on which a balance of a user account is expected to fall below a threshold based on analyzing at least one of: the balance of the user account over time, or historical transactions of the user over time. The system may determine an amount for an item purchased, or intended to be purchased, by the user, and may cause the user computing device to present, prior to the date, a suggestion to request financing for...