UnfoldIPThemes

Company patents

Affirm, Inc.

Affirm, Inc. exhibits an overwhelming focus on Business Methods & Fintech, comprising 88.7% of its patent portfolio, yet surprisingly, patenting in this core area has seen a significant decline, with a 50.0% year-over-year decrease in 2025 and another 50.0% decrease so far in 2026. This suggests a shifting priority away from broad fintech patenting, with all other categories also experiencing substantial declines or cessation of new filings in recent years.

Patent Trend by Technology Area

Yearly patent publications since 2023

Product themes

Product-level themes inferred from filings since 2023, with category chips showing where each theme appears. Select a theme to filter the patents below.

62 US filings (since 2023) · 7 categories · 5 themes

Automated Transaction Systems

Systems designed to streamline and automate various commercial transactions, including mobile-enhanced processes, secure online checkouts, customer service interactions, and privilege issuance, often leveraging digital authentication.

Business Methods & Fintech
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48since 2023
-47.1%YoY
Access Control & Identity Management

Systems and methods for authenticating users, devices, or applications, authorizing their access to resources based on policies, and managing digital identities across various platforms.

Computer SecurityNetwork Security & Access ControlWeb & Cloud Service Protocols
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8since 2023
-75.0%YoY
Personalized Recommendations

Systems that use user data, preferences, and machine learning to generate tailored advice, product recommendations, goal-setting plans, or contextual information for individuals across different domains.

Business Methods & Fintech
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4since 2023
n/a
Digital Asset Managementfiltered

Technologies for securing, managing, and transacting with virtual currencies, non-fungible tokens (NFTs), and other blockchain-based digital assets, including hardware wallets and tokenization schemes for various purposes.

Business Methods & Fintech
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2since 2023
n/a
AI Information Synthesis

Systems and methods utilizing artificial intelligence, particularly large language models and neural networks, to extract, summarize, generate, or categorize information from unstructured or semi-structured data sources.

Databases & Information Retrieval
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1since 2023
n/a

Patents

Showing 1-2 of 2

Digital Asset Management
Page 1 of 1
US 20230342754 A1APPLICATION
G06Q20/22

METHOD AND APPARATUS FOR PROVISION OF A VIRTUAL CARD HAVING A PERSISTENT PRIMARY ACCOUNT NUMBER

Filed:2022-04-25Pub:2023-10-26
Applicant:Affirm, Inc.

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.

US 20230010678 A1APPLICATION
G06Q40/02

Method and Apparatus for Facilitating Financial Transactions Backed by Crypto Assets

Filed:2021-07-07Pub:2023-01-12
Applicant:Affirm, Inc.

A method of processing a customer transaction may include receiving an indication of a transaction between a customer and a vendor, checking a first account status of a first account associated with a first currency type and a second account status of a second account associated with a second currency type, determining whether to accept or decline the transaction based on a combination of the first and second account statuses, and, if the transaction is accepted, authorizing a transfer of funds to the vendor and engaging the customer with respect to a repayment strategy that includes repayment options funded from selected ones of the first currency type or the second currency type.

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