Affirm, Inc.

A method for employing adaptive credit decisions in relation to extension of a loan to a user may include receiving user information associated with the user and transaction information associated with a transaction of the user with respect to a product or service offered by a vendor, employing a first credit decision model to execute a first credit extension decision with respect to a first type of financing option based on the user information and the transaction information, employing a second credit decision model to execute a second credit extension decision with respect to a second type of financing option based on the user information and the transaction information, and determining, based on the first and second credit extension decisions, whether to extend a credit offer to the user when the user proceeds to checkout for the transaction.

A method for facilitating presentation of financial offers from multiple sources on a single platform may include receiving an indication of a request from a customer for a financing offer, receiving qualification information associated with the request for provision to a plurality of underwriting models where the underwriting models are associated with respective different underwriters, running each of the underwriting models to determine a listing of approving underwriters, applying curation logic to the listing of approving underwriters, selecting, based on the curation logic, one or more of the approving underwriters to receive a generated offer, and directing display, at a communication device associated with the customer, of the generated offer for each of the one or more of the approving underwriters that is selected.

A system and method may provide assistance to programmers during programming to reduce the number of routine tasks that must be performed. In some aspects, the system may provide for searching a corpus of source code based on keyword or natural language search input. Search results including code entities and snippets of code that are described by the search input are then provided as search results. Some embodiments relate to using a neural network encoder to generate tensor embeddings of source code and related text in a joint tensor space. Relatedness between embeddings in this joint tensor space for text and associated source code is used in some embodiments to facilitate code search.

A method of processing communications and actions of parties to a transaction may include receiving a request from a customer to use a virtual card to affect the transaction with a vendor or merchant. The virtual card may have a persistent primary account number (PAN) that enables the virtual card to be used for obtaining financing for multiple transactions without changing the persistent PAN. The method may further include facilitating payment of the vendor or merchant on behalf of the customer in response to the request, establishing a loan for the customer based on the transaction, and facilitating servicing the loan based on an activity of the customer after the loan is established.

A method of facilitating merchant onboarding to a selective financing and payment platform may include automatically gathering information on a plurality of websites of candidate merchants and automatically processing the gathered information with a selected underwriting algorithm to determine whether one or more of the candidate merchants are eligible to be selected candidates for integration into the selective financing and payment platform. The method may further include, responsive to identification of a selected candidate determined to be eligible, providing an onboarding package to the selected candidate to enable the selected candidate to offer financing terms to customers via the selective financing and payment platform.

The method and system are directed at providing group purchasing at a historical price in an e-commerce environment. A user may select a price that a price at which a produce previous sold, seen as the historical price. This price may then be used to generate an online purchasing campaign that other user may join. The purchasing campaign is user or consumer driver rather than merchant driven.

A web based finance system allows users to refinance past eligible purchasing transactions. The system can include a system server(s) which is in communication through a network with client computing devices associated with customers. The server can receive customer information and determine a refinancing value range based upon the user has a bank account and/or credit risk rating information. The server can identify prior eligible credit card purchases for refinancing and the customer can select one or more purchases for refinancing and the refinancing loan terms.

A method for providing an interface to a user in relation to extension of a loan to the user may include receiving user information associated with the user and transaction information associated with a transaction of the user with respect to a product or service offered by a vendor. The method may further include, responsive to a credit extension decision with respect to a financing option based on the user information and the transaction information, generating one or more credit offers to present to the user, and, responsive to user selection of a selected credit offer, generating a composite disclosure comprising a first section including payment details for pay back of a loan associated with the selected credit offer and a second section including legal or required disclosure materials associated with the selected credit offer.

A method for employing item-level financing offers in relation to extension of a loan to a user for an online cart including multiple items may include receiving information identifying a first item in the online cart and receiving information identifying a second item in the online cart. The method may further include performing a first credit extension decision with respect to the first item, performing a second credit extension decision with respect to the second item, and providing, based on the first and second credit extension decisions, a financing offer to the user with respect to financing a transaction including both the first and second items. The financing offer includes item-level information regarding details of the first and second credit extension decisions.

A method for employing a browser extension in relation to extending a financing offer to a user may include monitoring browser activity of a user via the browser extension responsive to loading a web page. The method may further include determining a merchant identity associated with an online product or service based on the browser activity, determining a preauthorized loan amount for the financing offer to the user based on the merchant identity, and displaying an interface element associated with the financing offer on the web page.