UnfoldIPThemes

Company patents

Affirm, Inc.

Affirm, Inc. exhibits a highly concentrated patent strategy, with 87.5% of its portfolio in Business Methods & Fintech, which saw a significant 50.0% decline in patenting in 2025 and a further 60.0% decline so far in 2026, suggesting a potential shift away from aggressive patenting in its core area despite a 33.3% growth in 2024. The company has also shown a notable decrease in patenting across all other categories, including a 100.0% decline in Machine Learning & AI, Databases & Information Retrieval, Computer Security, Network Security & Access Control, and Web & Cloud Service Protocols so far in 2026, indicating a broad de-emphasis on new patent filings outside its primary fintech focus.

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.

56 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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43since 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 Recommendationsfiltered

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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3since 2023
n/a
Digital Asset Management

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 1-3 of 3

Personalized Recommendations
Page 1 of 1
US 12182847 B2GRANTED
G06Q30/00

Method and apparatus for providing recommendations based on return data

Filed:2022-03-01Pub:2024-12-31
Applicant:Affirm, Inc.

A method of recommending products in association with product returns may include receiving a return request from a customer associated with a returned product and receiving search results based on a search for relevant products to the returned product. The method may further include filtering the search results based on a likelihood of return rating of at least some of the relevant products, and displaying a plurality of recommended products based on the filtering of the search results.

US 20240428326 A1APPLICATION
G06Q40/03

SYSTEM, METHOD AND APPARATUS FOR PERSONALIZATION OF PREQUALIFICATION FOR FINANCING PROGRAMS

Filed:2023-06-26Pub:2024-12-26
Applicant:Affirm, Inc.

A method for providing personalized prequalification of a customer may include receiving identification information of the user associated with user activity on a website of a merchant or lender, conducting a financing program prequalification determination for the user based on the identification information and a set of prequalification criteria without any request from the user for financing, receiving an indication that the user is not prequalified based on the financing program prequalification determination, providing instructions for generation of a prequalification engagement notification at a display of a user device associated with the user responsive to the indication, and, responsive to selection of the prequalification engagement notification, providing one or more guidance instructions for generation at the display of the user device for the user to provide prequalification requirement data for a subsequent performance of the financing program prequalification determination.

US 11593562 B2GRANTED
G10L15/22

Advanced machine learning interfaces

Filed:2019-11-11Pub:2023-02-28
Applicant:Affirm, Inc.

A smart assistant is disclosed that provides for interfaces to capture requirements for a technical assistance request and then execute actions responsive to the technical assistance request. Example embodiments relate to parsing natural language input defining a technical assistance request to determine a series of instructions responsive to the technical assistance request. The smart assistant may also automatically detect a condition and generate a technical assistance request responsive to the condition. One or more driver applications may control or command one or more computing systems to respond to the technical assistance request.

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