SYSTEMS AND METHODS FOR PROVIDING SUBSEQUENT PAYMENT OPTIONS FOR IDENTIFIED ELIGIBLE USERS

• US 20160335717A1
• Filed: 05/11/2015
• Published: 11/17/2016
• Est. Priority Date: 05/11/2015
• Status: Abandoned Application

• Current Assignee: Meta Platforms, Inc. (f/k/a Facebook, Inc.)
• Original Assignee: Meta Platforms, Inc. (f/k/a Facebook, Inc.)
• Inventors: O'Brien, Aaron Patrick, Medina, Luis, Anderson, John Stephen, Chen, Pedro, Lazer, Marius Mircea
• Application Number:
  US14/709,363
• Publication Number:
  US 20160335717A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

Abstract

Systems, methods, and non-transitory computer-readable media can determine that a user has requested a service that involves payment. Information associated with the user can be analyzed. It can be determined, based on the information associated with the user, that the user is eligible for a subsequent payment option. The subsequent payment option can be provided to the user as a line of credit applicable toward payment for the service.

Claims

1. A computer-implemented method comprising:

determining, by a computing system, that a user has requested a service that involves payment;

analyzing, by the computing system, information associated with the user;

determining, by the computing system, based on the information associated with the user, that the user is eligible for a subsequent payment option; and

providing, by the computing system, the subsequent payment option to the user as a line of credit applicable toward payment for the service.

2. The computer-implemented method of claim 1, further comprising:

specifying, to the user, one or more limitations associated with activating the subsequent payment option;

determining that the user has activated the subsequent payment option;

determining that the user has reached the one or more limitations; and

ceasing the service for the user until the user has provided an amount of payment owed for the service.

3. The computer-implemented method of claim 2, wherein the one or more limitations are associated with at least one of a maximum amount of time allowed for delaying payment for the service or a maximum amount of credit allowed to be applicable toward payment for the service.

4. The computer-implemented method of claim 2, wherein the one or more limitations are dynamically generated based on the information associated with the user.

5. The computer-implemented method of claim 1, wherein determining that the user is eligible for the subsequent payment option further comprises:

acquiring a risk score for the user, the risk score being acquired from the information associated with the user; and

determining that the risk score for the user is less than or equal to a specified maximum allowable risk level.

6. The computer-implemented method of claim 1, wherein determining that the user is eligible for the subsequent payment option further comprises:

acquiring social graph data relating to the user, the social graph data indicating a plurality of social features associated with the user and being acquired from the information associated with the user; and

determining, based on the plurality of social features, that the user is eligible for the subsequent payment option.

7. The computer-implemented method of claim 1, determining that the user is eligible for the subsequent payment option further comprises:

acquiring a list of existing users who have each previously requested the service; and

determining, based on an identifier for the user, that the user is absent from the list of existing users, the identifier for the user being included in the information associated with the user.

8. The computer-implemented method of claim 1, determining that the user is eligible for the subsequent payment option further comprises:

acquiring a specified plurality of whitelisted locations; and

determining, based on location data for the user, that the user is located in one or more whitelisted locations out of the specified plurality of whitelisted locations, the location data for the user being included in the information associated with the user.

9. The computer-implemented method of claim 1, further comprising:

acquiring historical user data associated with a plurality of users who utilize the service; and

developing a model using one or more machine learning processes applied to the historical user data, wherein determining that the user is eligible for the subsequent payment option is based on the model.

10. The computer-implemented method of claim 1, wherein the service includes an advertising service provided by a social networking system.

11. A system comprising:

at least one processor; and

a memory storing instructions that, when executed by the at least one processor, cause the system to perform;

determining that a user has requested a service that involves payment;

analyzing information associated with the user;

determining, based on the information associated with the user, that the user is eligible for a subsequent payment option; and

providing the subsequent payment option to the user as a line of credit applicable toward payment for the service.

12. The system of claim 11, wherein the instructions cause the system to further perform:

specifying, to the user, one or more limitations associated with activating the subsequent payment option;

determining that the user has activated the subsequent payment option;

determining that the user has reached the one or more limitations; and

ceasing the service for the user until the user has provided an amount of payment owed for the service.

13. The system of claim 12, wherein the one or more limitations are associated with at least one of a maximum amount of time allowed for delaying payment for the service or a maximum amount of credit allowed to be applicable toward payment for the service.

14. The system of claim 12, wherein the one or more limitations are dynamically generated based on the information associated with the user.

15. The system of claim 11, wherein determining that the user is eligible for the subsequent payment option further comprises:

acquiring a risk score for the user, the risk score being acquired from the information associated with the user; and

determining that the risk score for the user is less than or equal to a specified maximum allowable risk level.

16. A non-transitory computer-readable storage medium including instructions that, when executed by at least one processor of a computing system, cause the computing system to perform:

determining that a user has requested a service that involves payment;

analyzing information associated with the user;

determining, based on the information associated with the user, that the user is eligible for a subsequent payment option; and

providing the subsequent payment option to the user as a line of credit applicable toward payment for the service.

17. The non-transitory computer-readable storage medium of claim 16, wherein the instructions cause the system to further perform:

specifying, to the user, one or more limitations associated with activating the subsequent payment option;

determining that the user has activated the subsequent payment option;

determining that the user has reached the one or more limitations; and

ceasing the service for the user until the user has provided an amount of payment owed for the service.

18. The non-transitory computer-readable storage medium of claim 17, wherein the one or more limitations are associated with at least one of a maximum amount of time allowed for delaying payment for the service or a maximum amount of credit allowed to be applicable toward payment for the service.

19. The non-transitory computer-readable storage medium of claim 17, wherein the one or more limitations are dynamically generated based on the information associated with the user.

20. The non-transitory computer-readable storage medium of claim 16, wherein the instructions cause the system to further perform:

acquiring a risk score for the user, the risk score being acquired from the information associated with the user; and

determining that the risk score for the user is less than or equal to a specified maximum allowable risk level.