Patents by Inventor Andrew Gettings STEVENS
Andrew Gettings STEVENS has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 12086878Abstract: A web based finance system allows users to refinance past eligible purchasing transactions. The system can include a system server(s) which is in communication through a network with client computing devices associated with customers. The server can receive customer information and determine a refinancing value range based upon the user has a bank account and/or credit risk rating information. The server can identify prior eligible credit card purchases for refinancing and the customer can select one or more purchases for refinancing and the refinancing loan terms.Type: GrantFiled: October 31, 2023Date of Patent: September 10, 2024Assignee: Affirm, Inc.Inventors: Max Levchin, Christopher Beckmann, Jeffrey Howard Kaditz, Roberto Novoa, Andrew Gettings Stevens, Manuel De Jesus Arias, Aaron Ng Ligon
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Patent number: 12026773Abstract: A web based finance system allows users to refinance past eligible purchasing transactions. The system can include a system server(s) which is in communication through a network with client computing devices associated with customers. The server can receive customer information and determine a refinancing value range based upon the user has a bank account and/or credit risk rating information. The server can identify prior eligible credit card purchases for refinancing and the customer can select one or more purchases for refinancing and the refinancing loan terms.Type: GrantFiled: September 9, 2022Date of Patent: July 2, 2024Assignee: Affirm, Inc.Inventors: Max Levchin, Christopher Beckmann, Jeffrey Howard Kaditz, Roberto Novoa, Andrew Gettings Stevens, Manuel De Jesus Arias, Aaron Ng Ligon
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Publication number: 20240106822Abstract: A login system allows users to access computer systems without using a password. The passwordless system and method can use other information to securely and reliably identify true authorized system users. The identity of a user can be associated with their mobile device. The login can be based upon a minimal amount of information such as a name and a phone number which can be stored as an identification record for each of the users in a database.Type: ApplicationFiled: December 4, 2023Publication date: March 28, 2024Inventors: Jeffrey Howard Kaditz, Andrew Gettings Stevens, Bradley N. Selby, Aaron Ng Ligon, Manuel De Jesus Arias
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Publication number: 20240062287Abstract: A web based finance system allows users to refinance past eligible purchasing transactions. The system can include a system server(s) which is in communication through a network with client computing devices associated with customers. The server can receive customer information and determine a refinancing value range based upon the user has a bank account and/or credit risk rating information. The server can identify prior eligible credit card purchases for refinancing and the customer can select one or more purchases for refinancing and the refinancing loan terms.Type: ApplicationFiled: October 31, 2023Publication date: February 22, 2024Inventors: Max Levchin, Christopher Beckmann, Jeffrey Howard Kaditz, Roberto Novoa, Andrew Gettings Stevens, Manuel De Jesus Arias, Aaron Ng Ligon
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Patent number: 11870773Abstract: A login system allows users to access computer systems without using a password. The passwordless system and method can use other information to securely and reliably identify true authorized system users. The identity of a user can be associated with their mobile device. The login can be based upon a minimal amount of information such as a name and a phone number which can be stored as an identification record for each of the users in a database.Type: GrantFiled: May 24, 2022Date of Patent: January 9, 2024Assignee: Affirm, Inc.Inventors: Jeffrey Howard Kaditz, Andrew Gettings Stevens, Bradley N. Selby, Aaron Ng Ligon, Manuel De Jesus Arias
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Publication number: 20230281710Abstract: Financing tools can provide a flexible credit services to customer. A credit service provider can collect personal data from clients that can include a mobile telephone number and a legal name of the client as well as purchase information from a merchant. Based upon the collected data, the system can determine a client credit risk. The system can make a credit decision to offer a client credit to purchase goods or services based upon the credit risk.Type: ApplicationFiled: May 16, 2023Publication date: September 7, 2023Inventors: Jeffrey Howard Kaditz, Andrew Gettings Stevens, Manuel De Jesus Arias, Aaron Ng Ligon
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Patent number: 11720960Abstract: A web based finance system allows users to refinance past eligible purchasing transactions. The system can include a system server(s) which is in communication through a network with client computing devices associated with customers. The server can receive customer information and determine a refinancing value range based upon the user has a bank account and/or credit risk rating information. The server can identify prior eligible credit card purchases for refinancing and the customer can select one or more purchases for refinancing and the refinancing loan terms.Type: GrantFiled: March 31, 2021Date of Patent: August 8, 2023Assignee: Affirm, Inc.Inventors: Max Levchin, Christopher Beckmann, Jeffrey Howard Kaditz, Roberto Novoa, Andrew Gettings Stevens, Manuel De Jesus Arias, Aaron Ng Ligon
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Patent number: 11710179Abstract: Financing tools can provide a flexible credit services to customer. A credit service provider can collect personal data from clients that can include a mobile telephone number and a legal name of the client as well as purchase information from a merchant. Based upon the collected data, the system can determine a client credit risk. The system can make a credit decision to offer a client credit to purchase goods or services based upon the credit risk.Type: GrantFiled: May 14, 2015Date of Patent: July 25, 2023Assignee: Affirm, Inc.Inventors: Jeffrey Howard Kaditz, Andrew Gettings Stevens, Manuel De Jesus Arias, Aaron Ng Ligon
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Patent number: 11650195Abstract: A system performs one or more magnetic resonance (MR) measurements on at least a portion of a biological life form. Moreover, the system quantitatively simulates an MR response of at least the portion of the biological life form, and compares the one or more MR measurements and the quantitative simulation to obtain a first test result. Next, the system determines one or more additional medical tests to perform. In response, the system accesses the biological sample in storage, and performs the one or more additional medical tests on at least a second portion of the biological sample to obtain one or more additional test results. Furthermore, the system computes a second test result based at least in part on the first test result and the one or more additional test results, where the second test result has an improved accuracy relative to the first test result.Type: GrantFiled: September 26, 2018Date of Patent: May 16, 2023Assignee: Q Bio, Inc.Inventors: Jeffrey Howard Kaditz, Andrew Gettings Stevens
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Publication number: 20230005057Abstract: A web based finance system allows users to refinance past eligible purchasing transactions. The system can include a system server(s) which is in communication through a network with client computing devices associated with customers. The server can receive customer information and determine a refinancing value range based upon the user has a bank account and/or credit risk rating information. The server can identify prior eligible credit card purchases for refinancing and the customer can select one or more purchases for refinancing and the refinancing loan terms.Type: ApplicationFiled: September 9, 2022Publication date: January 5, 2023Inventors: Max Levchin, Christopher Beckmann, Jeffrey Howard Kaditz, Roberto Novoa, Andrew Gettings Stevens, Manuel De Jesus Arias, Aaron Ng Ligon
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Patent number: 11455683Abstract: A web based finance system allows users to refinance past eligible purchasing transactions. The system can include a system server(s) which is in communication through a network with client computing devices associated with customers. The server can receive customer information and determine a refinancing value range based upon the user has a bank account and/or credit risk rating information. The server can identify prior eligible credit card purchases for refinancing and the customer can select one or more purchases for refinancing and the refinancing loan terms.Type: GrantFiled: August 6, 2021Date of Patent: September 27, 2022Assignee: AFFIRM, INC.Inventors: Max Levchin, Christopher Beckmann, Jeffrey Howard Kaditz, Roberto Novoa, Andrew Gettings Stevens, Manuel De Jesus Arias, Aaron Ng Ligon
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Publication number: 20220286450Abstract: A login system allows users to access computer systems without using a password. The passwordless system and method can use other information to securely and reliably identify true authorized system users. The identity of a user can be associated with their mobile device. The login can be based upon a minimal amount of information such as a name and a phone number which can be stored as an identification record for each of the users in a database.Type: ApplicationFiled: May 24, 2022Publication date: September 8, 2022Inventors: Jeffrey Howard Kaditz, Andrew Gettings Stevens, Bradley N. Selby, Aaron Ng Ligon, Manuel De Jesus Arias
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Patent number: 11374927Abstract: A login system allows users to access computer systems without using a password. The passwordless system and method can use other information to securely and reliably identify true authorized system users. The identity of a user can be associated with their mobile device. The login can be based upon a minimal amount of information such as a name and a phone number which can be stored as an identification record for each of the users in a database.Type: GrantFiled: June 15, 2020Date of Patent: June 28, 2022Assignee: Affirm, Inc.Inventors: Jeffrey Howard Kaditz, Andrew Gettings Stevens, Bradley N. Selby, Aaron Ng Ligon, Manuel De Jesus Arias
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Publication number: 20210366040Abstract: A web based finance system allows users to refinance past eligible purchasing transactions. The system can include a system server(s) which is in communication through a network with client computing devices associated with customers. The server can receive customer information and determine a refinancing value range based upon the user has a bank account and/or credit risk rating information. The server can identify prior eligible credit card purchases for refinancing and the customer can select one or more purchases for refinancing and the refinancing loan terms.Type: ApplicationFiled: August 6, 2021Publication date: November 25, 2021Inventors: Max Levchin, Christopher Beckmann, Jeffrey Howard Kaditz, Roberto Novoa, Andrew Gettings Stevens, Manuel De Jesus Arias, Aaron Ng Ligon
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Patent number: 11030685Abstract: A web based finance system allows users to refinance past eligible purchasing transactions. The system can include a system server(s) which is in communication through a network with client computing devices associated with customers. The server can receive customer information and determine a refinancing value range based upon the user has a bank account and/or credit risk rating information. The server can identify prior eligible credit card purchases for refinancing and the customer can select one or more purchases for refinancing and the refinancing loan terms.Type: GrantFiled: October 22, 2015Date of Patent: June 8, 2021Assignee: AFFIRM, INC.Inventors: Max Levchin, Christopher Beckmann, Jeffrey Howard Kaditz, Roberto Novoa, Andrew Gettings Stevens, Manuel De Jesus Arias, Aaron Ng Ligon
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Patent number: 10964412Abstract: A computer system may iteratively modify a local medical rule that is based on an initial sub-population. In particular, after information specifying the local medical rule and sharing instructions are received from a user of the computer system, the computer system may iteratively apply the local medical rule to one or more additional sub-populations that are associated with other users of the computer system based on the sharing instructions without sharing PHI associated with the initial sub-population. Then, the computer system may aggregate results for the one or more additional sub-populations, and may generate the population-based medical rule by modifying the local medical rule based on the aggregated results and one or more quality metrics. Moreover, the computer system may selectively provide the population-based medical rule to the user without sharing PHI associated with the one or more additional sub-populations.Type: GrantFiled: October 20, 2016Date of Patent: March 30, 2021Assignee: Q Bio, Inc.Inventors: Jeffrey Howard Kaditz, Andrew Gettings Stevens
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Patent number: 10686781Abstract: A login system allows users to access computer systems without using a password. The passwordless system and method can use other information to securely and reliably identify true authorized system users. The identity of a user can be associated with their mobile device. The login can be based upon a minimal amount of information such as a name and a phone number which can be stored as an identification record for each of the users in a database.Type: GrantFiled: December 20, 2014Date of Patent: June 16, 2020Assignee: Affirm Inc.Inventors: Jeffrey Howard Kaditz, Andrew Gettings Stevens, Bradley Neale Selby, Aaron Ng Ligon, Manuel De Jesus Arias
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Patent number: 10635833Abstract: A computer system may perform substitutions for fields in a set of records, where performing a given substitution involves replacing a field in the set of records with a replacement field, and the substitutions remove the context information in the set of records while maintaining relevance of the set of records. Then, the computer system may generate an artificial set of records based, at least in part, on the set of records, where a given artificial record includes one or more modified portions of the set of records. Next, the computer system may combine the set of records and the artificial set of records into a second set of records, where at least some phrases or values in the second set of records are uniformly distributed.Type: GrantFiled: April 27, 2017Date of Patent: April 28, 2020Assignee: Q Bio, Inc.Inventors: Jeffrey Howard Kaditz, Andrew Gettings Stevens, David Grijalva
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Patent number: 10194829Abstract: During operation, a system iteratively captures MR signals of one or more types of nuclei in one or more portions of a biological lifeform based on scanning instructions that correspond to a dynamic scan plan. The MR signals in a given iteration may be associated with voxels having associated sizes at three-dimensional (3D) positions in at least a corresponding portion of the biological lifeform. If the system detects a potential anomaly when analyzing the MR signals from the given iteration, the system dynamically modifies the scan plan based on the detected potential anomaly, a medical history and/or an MR-scan history. Subsequent measurements of MR signals may be associated with the same or different: types of nuclei, portions of the biological lifeform, voxels sizes and/or 3D positions.Type: GrantFiled: May 31, 2016Date of Patent: February 5, 2019Assignee: Q Bio, Inc.Inventors: Jeffrey Howard Kaditz, Andrew Gettings Stevens
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Publication number: 20190025280Abstract: A system performs one or more magnetic resonance (MR) measurements on at least a portion of a biological life form. Moreover, the system quantitatively simulates an MR response of at least the portion of the biological life form, and compares the one or more MR measurements and the quantitative simulation to obtain a first test result. Next, the system determines one or more additional medical tests to perform. In response, the system accesses the biological sample in storage, and performs the one or more additional medical tests on at least a second portion of the biological sample to obtain one or more additional test results. Furthermore, the system computes a second test result based at least in part on the first test result and the one or more additional test results, where the second test result has an improved accuracy relative to the first test result.Type: ApplicationFiled: September 26, 2018Publication date: January 24, 2019Applicant: Q Bio, IncInventors: Jeffrey Howard Kaditz, Andrew Gettings Stevens