Granted Patent B2

US 12,572,942 · App. 18/107,436 · Granted Mar 10, 2026

Inventors: Christina Riechers (San Francisco, CA); Michael Cormier (San Francisco, CA); Zachary Margolis (San Francisco, CA); Kyle Callender (San Francisco, CA); Trevor Luong (San Francisco, CA); Janaiah McClure (Oakland, CA)

Assignee: Block, Inc.

G06Q20/403G06Q20/202G06Q40/03

Abstract

Claims (42)

1 . A method, comprising:

receiving, by a payment processing service, transaction data associated with a purchase transaction, wherein the transaction data includes a payment card identifier of a payment card associated with the purchase transaction;

determining, by the payment processing service and based at least in part on application of a predictive model to the transaction data, a classification of the purchase transaction, wherein the classification is business expense or personal expense; and

causing, by the payment processing service, presentation of a user interface via a display of a user device, wherein the user interface includes information associated with the purchase transaction and an indicator of the classification, wherein the user interface includes an interactive element that enables a user to modify the classification by switching between business expense and personal expense.

2 . The method of claim 1 , further comprising:

training, by the payment processing service, the predictive model using training data associated with previous transactions processed via the payment processing service.

3 . The method of claim 1 , further comprising:

facilitating, by the payment processing service, payment for the purchase transaction.

4 . The method of claim 3 , wherein facilitating the payment comprises causing a withdrawal from a stored balance associated with a user associated with the payment card.

5 . The method of claim 4 , wherein facilitating the payment comprises sending a fund transfer request to an issuer of the payment card.

6 . The method of claim 1 , further comprising:

receiving, by the payment processing service and via an input to the user interface, a request to change the classification associated with the purchase transaction to an updated classification.

7 . The method of claim 6 , further comprising:

based at least in part on receiving the request, causing, by the payment processing service, presentation, via the user interface, of an updated indicator associated with the updated classification.

8 . The method of claim 1 , wherein the transaction data comprises first transaction data, the purchase transaction comprises a first purchase transaction, the classification comprises a first classification, the information comprises first information, the indicator comprises a first indicator, the method further comprising:

receiving, by the payment processing service, second transaction data associated with a second purchase transaction;

determining, by the payment processing service and based at least in part on application of the predictive model to the second transaction data, a second classification associated with the second purchase transaction; and

causing, by the payment processing service and via the user interface, presentation of second information associated with the second purchase transaction and a second indicator of the second classification.

9 . The method of claim 8 , wherein the first indicator comprises a first visual element corresponding to the first classification and the second indicator comprises a second, different visual element corresponding to the second classification.

10 . The method of claim 1 , wherein the interactive element is a toggle element, and modifying the classification includes switching the toggle element from a first state to a second state.

11 . The method of claim 1 wherein the payment card is further associated with a user profile that includes at least one of a type of business associated with the user of items offered for sale by the user, and wherein determining a classification is further based on application of the predictive model to the user profile.

12 . A system comprising:

one or more processors; and

one or more non-transitory computer-readable media storing instructions executable by the one or more processors, wherein the instructions cause the one or more processors to perform acts comprising:

receiving, by a payment processing service, transaction data associated with a purchase transaction, wherein the transaction data includes an identifier of a payment instrument associated with the purchase transaction;

determining, by the payment processing service and based at least in part on application of a predictive model to the transaction data, a classification of the purchase transaction, wherein the classification is business expense or personal expense; and

causing, by the payment processing service, presentation of a user interface via a display of a user device, wherein the user interface includes information associated with the purchase transaction and an indicator of the classification, wherein the user interface includes an interactive element that enables a user to modify the classification by switching between business expense and personal expense.

13 . The system of claim 12 , the acts further comprising:

training, by the payment processing service, the predictive model using training data associated with previous transactions processed via the payment processing service.

14 . The system of claim 12 , wherein the payment instrument comprises a payment card.

15 . The system of claim 12 , the acts further comprising:

facilitating, by the payment processing service, payment for the purchase transaction.

16 . The system of claim 15 , wherein facilitating the payment comprises at causing a withdrawal from a stored balance associated with the payment instrument.

17 . One or more non-transitory computer-readable media storing instructions executable by one or more processors that, when executed by the one or more processors, cause the one or more processors to perform acts comprising:

receiving, by a payment processing service, transaction data associated with a purchase transaction, wherein the transaction data includes a payment card identifier of a payment card associated with the purchase transaction;

determining, by the payment processing service and based at least in part on application of a predictive model to the transaction data, a classification of the purchase transaction, wherein the classification is business expense or personal expense; and

causing, by the payment processing service, presentation of a user interface via a display of a user device, wherein the user interface includes information associated with the purchase transaction and an indicator of the classification, wherein the user interface includes an interactive element that enables a user to modify the classification by switching between business expense and personal expense.

18 . The one or more non-transitory computer-readable media of claim 17 , the acts further comprising:

facilitating, by the payment processing service, payment for the purchase transaction.

19 . The one or more non-transitory computer-readable media of claim 17 , the acts further comprising:

training, by the payment processing service, the predictive model using transaction data associated with previous transactions processed via the payment processing service.

20 . The one or more non-transitory computer-readable media of claim 17 , wherein the interactive element is a toggle element, and modifying the classification includes switching the toggle element from a first state to a second state.

Assignments (2)

Continuity (3)

References Cited (39)