MULTI-TENANT LOAN AND SUBSCRIPTION MANAGEMENT
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United States of America Patent
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Issued Date -
Mar 27, 2025
app pub date -
Sep 21, 2023
filing date -
Sep 21, 2023
priority date (Note) -
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status (Latency Note)
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Abstract
In a first user session, first order data is received relating to a first subscription offering. Based on a user acceptance of and access to a first loan under a financing offer presented during a check out flow, a first payment may be received. In a second user session, a second payment is received. A determination is made whether a payment under the first loan is due, or whether the first loan is paid off. Based on a determination that a payment under the first loan is due, the second payment is applied to the first loan. Alternatively, based on a determination that the first loan is paid off, the second payment is applied as a credit to a user account, or as payment for an item or service in a check out flow in the second user session.
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