List of patents in the Buy Now, Pay Later industry

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Industry

Name	Description	Patent Applicant	Current Assignee	Patent Jurisdiction	Patent Number	Date of Patent
‌ US Patent 9503845 Image customization to enhance transaction experience	Patent 9503845 was granted and assigned to PayPal on November, 2016 by the United States Patent and Trademark Office.	PayPal	PayPal	United States Patent and Trademark Office	9503845	November 22, 2016
‌ US Patent 10417621 Method for using supervised model to configure user interface presentation	Patent 10417621 was granted and assigned to Klarna on September, 2019 by the United States Patent and Trademark Office.	Klarna	Klarna	United States Patent and Trademark Office	10417621	September 17, 2019
‌ US Patent 11425000 On-the-fly reorganization of directed acyclic graph nodes of a computing service for high integration flexibility		PayPal	PayPal	United States Patent and Trademark Office	11425000	August 23, 2022
‌ US Patent 11609838 System to track and measure machine learning model efficacy	Patent 11609838 was granted and assigned to PayPal on March, 2023 by the United States Patent and Trademark Office.	PayPal	PayPal	United States Patent and Trademark Office	11609838	March 21, 2023
‌ US Patent 12010248 Systems and methods for providing authentication to a plurality of devices	Patent 12010248 was granted and assigned to Stripe on June, 2024 by the United States Patent and Trademark Office.	Stripe	Stripe	United States Patent and Trademark Office	12010248	June 11, 2024
‌ US Patent 11694211 Constant-time cascading deletion of resources		Stripe	Stripe	United States Patent and Trademark Office	11694211	July 4, 2023
‌ US Patent 9558478 Multi-platform in-application payment system	Patent 9558478 was granted and assigned to PayPal on January, 2017 by the United States Patent and Trademark Office.	PayPal	PayPal	United States Patent and Trademark Office	9558478	January 31, 2017
‌ US Patent 11704617 Systems and methods for modeling and analysis of infrastructure services provided by cloud services provider systems		Stripe	Stripe	United States Patent and Trademark Office	11704617	July 18, 2023
‌ US Patent 11381598 Phishing detection using certificates associated with uniform resource locators	Patent 11381598 was granted and assigned to PayPal on July, 2022 by the United States Patent and Trademark Office.	PayPal	PayPal	United States Patent and Trademark Office	11381598	July 5, 2022
‌ US Patent 11650630 Merchant/customer POS interaction system	Patent 11650630 was granted and assigned to PayPal on May, 2023 by the United States Patent and Trademark Office.	PayPal	PayPal	United States Patent and Trademark Office	11650630	May 16, 2023
‌ US Patent 11301853 Speculative transaction operations for recognized devices	Patent 11301853 was granted and assigned to PayPal on April, 2022 by the United States Patent and Trademark Office.	PayPal	PayPal	United States Patent and Trademark Office	11301853	April 12, 2022
‌ US Patent 12095773 Network of networks	Patent 12095773 was granted and assigned to Stripe on September, 2024 by the United States Patent and Trademark Office.	Stripe	Stripe	United States Patent and Trademark Office	12095773	September 17, 2024
‌ US Patent 8050997 Instant availability of electronically transferred funds	Patent 8050997 was granted and assigned to PayPal on November, 2011 by the United States Patent and Trademark Office.		PayPal	United States Patent and Trademark Office	8050997	November 1, 2011
‌ US Patent 11711222 Systems and methods for providing authentication to a plurality of devices		Stripe	Stripe	United States Patent and Trademark Office	11711222	July 25, 2023
‌ US Patent 10467689 Unified payment account establishment and incorporation in a main payment account	Patent 10467689 was granted and assigned to PayPal on November, 2019 by the United States Patent and Trademark Office.	EBay	PayPal	United States Patent and Trademark Office	10467689	November 5, 2019
‌ US Patent 11677790 Multi-dimensional drift nuance intelligence threat engine	Patent 11677790 was granted and assigned to PayPal on June, 2023 by the United States Patent and Trademark Office.	PayPal	PayPal	United States Patent and Trademark Office	11677790	June 13, 2023
‌ US Patent 11539512 Systems and methods for multi-region encryption/decryption redundancy	Patent 11539512 was granted and assigned to Stripe on December, 2022 by the United States Patent and Trademark Office.	Stripe	Stripe	United States Patent and Trademark Office	11539512	December 27, 2022
‌ US Patent 11443364 Real-time management of inventory transfers and related user interfaces		Shopify	Shopify	United States Patent and Trademark Office	11443364	September 13, 2022
‌ US Patent 11704673 Systems and methods for identity graph based fraud detection	Patent 11704673 was granted and assigned to Stripe on July, 2023 by the United States Patent and Trademark Office.	Stripe	Stripe	United States Patent and Trademark Office	11704673	July 18, 2023
‌ US Patent 11276093 Trusted remote attestation agent (TRAA)	Patent 11276093 was granted and assigned to PayPal on March, 2022 by the United States Patent and Trademark Office.	PayPal	PayPal	United States Patent and Trademark Office	11276093	March 15, 2022
‌ US Patent 11863554 Systems and methods for authenticating a user based on a biometric model associated with the user	Patent 11863554 was granted and assigned to PayPal on January, 2024 by the United States Patent and Trademark Office.	PayPal	PayPal	United States Patent and Trademark Office	11863554	January 2, 2024
‌ US Patent 9705891 Application platform with flexible permissioning	Patent 9705891 was granted and assigned to PayPal on July, 2017 by the United States Patent and Trademark Office.	PayPal	PayPal	United States Patent and Trademark Office	9705891	July 11, 2017
‌ US Patent 11574361 Reducing account churn rate through intelligent collaborative filtering	Patent 11574361 was granted and assigned to PayPal on February, 2023 by the United States Patent and Trademark Office.	PayPal	PayPal	United States Patent and Trademark Office	11574361	February 7, 2023
‌ US Patent 11443258 Real-time order delivery coordination between multiple merchants		Shopify	Shopify	United States Patent and Trademark Office	11443258	September 13, 2022
‌ US Patent 11550776 Double-record-keeping of app data at software platform for verification and feedback	Patent 11550776 was granted and assigned to Shopify on January, 2023 by the United States Patent and Trademark Office.	Shopify	Shopify	United States Patent and Trademark Office	11550776	January 10, 2023

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