Block, Inc.
GENERATING DYNAMIC REPAYMENT TERMS

Abstract:

In some examples, a payment service system (PSS) receives transaction data for a transaction of a user of the PSS, including an identifier associated with the user and an amount of the transaction. The PSS may use the identifier to identify a user account of the user, and may determine that the amount of the transaction will cause the balance of the account to satisfy a threshold. Based at least on determining that the user account satisfies a condition and that the transaction will cause the balance to satisfy the threshold, the PSS may process the transaction using funds from the balance and from an additional source of funds provided by another user. Based on the user account receiving a deposit of funds, the PSS may withhold a portion of the deposit as repayment for at least a portion of the funds received from the additional source.