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).

  • Patent number: 12086878
    Abstract: 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: Grant
    Filed: October 31, 2023
    Date of Patent: September 10, 2024
    Assignee: Affirm, Inc.
    Inventors: Max Levchin, Christopher Beckmann, Jeffrey Howard Kaditz, Roberto Novoa, Andrew Gettings Stevens, Manuel De Jesus Arias, Aaron Ng Ligon
  • Patent number: 12026773
    Abstract: 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: Grant
    Filed: September 9, 2022
    Date of Patent: July 2, 2024
    Assignee: Affirm, Inc.
    Inventors: Max Levchin, Christopher Beckmann, Jeffrey Howard Kaditz, Roberto Novoa, Andrew Gettings Stevens, Manuel De Jesus Arias, Aaron Ng Ligon
  • Publication number: 20240106822
    Abstract: 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: Application
    Filed: December 4, 2023
    Publication date: March 28, 2024
    Inventors: Jeffrey Howard Kaditz, Andrew Gettings Stevens, Bradley N. Selby, Aaron Ng Ligon, Manuel De Jesus Arias
  • Publication number: 20240062287
    Abstract: 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: Application
    Filed: October 31, 2023
    Publication date: February 22, 2024
    Inventors: Max Levchin, Christopher Beckmann, Jeffrey Howard Kaditz, Roberto Novoa, Andrew Gettings Stevens, Manuel De Jesus Arias, Aaron Ng Ligon
  • Patent number: 11870773
    Abstract: 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: Grant
    Filed: May 24, 2022
    Date of Patent: January 9, 2024
    Assignee: Affirm, Inc.
    Inventors: Jeffrey Howard Kaditz, Andrew Gettings Stevens, Bradley N. Selby, Aaron Ng Ligon, Manuel De Jesus Arias
  • Publication number: 20230281710
    Abstract: 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: Application
    Filed: May 16, 2023
    Publication date: September 7, 2023
    Inventors: Jeffrey Howard Kaditz, Andrew Gettings Stevens, Manuel De Jesus Arias, Aaron Ng Ligon
  • Patent number: 11720960
    Abstract: 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: Grant
    Filed: March 31, 2021
    Date of Patent: August 8, 2023
    Assignee: Affirm, Inc.
    Inventors: Max Levchin, Christopher Beckmann, Jeffrey Howard Kaditz, Roberto Novoa, Andrew Gettings Stevens, Manuel De Jesus Arias, Aaron Ng Ligon
  • Patent number: 11710179
    Abstract: 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: Grant
    Filed: May 14, 2015
    Date of Patent: July 25, 2023
    Assignee: Affirm, Inc.
    Inventors: Jeffrey Howard Kaditz, Andrew Gettings Stevens, Manuel De Jesus Arias, Aaron Ng Ligon
  • Patent number: 11650195
    Abstract: 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: Grant
    Filed: September 26, 2018
    Date of Patent: May 16, 2023
    Assignee: Q Bio, Inc.
    Inventors: Jeffrey Howard Kaditz, Andrew Gettings Stevens
  • Publication number: 20230005057
    Abstract: 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: Application
    Filed: September 9, 2022
    Publication date: January 5, 2023
    Inventors: Max Levchin, Christopher Beckmann, Jeffrey Howard Kaditz, Roberto Novoa, Andrew Gettings Stevens, Manuel De Jesus Arias, Aaron Ng Ligon
  • Patent number: 11455683
    Abstract: 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: Grant
    Filed: August 6, 2021
    Date of Patent: September 27, 2022
    Assignee: AFFIRM, INC.
    Inventors: Max Levchin, Christopher Beckmann, Jeffrey Howard Kaditz, Roberto Novoa, Andrew Gettings Stevens, Manuel De Jesus Arias, Aaron Ng Ligon
  • Publication number: 20220286450
    Abstract: 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: Application
    Filed: May 24, 2022
    Publication date: September 8, 2022
    Inventors: Jeffrey Howard Kaditz, Andrew Gettings Stevens, Bradley N. Selby, Aaron Ng Ligon, Manuel De Jesus Arias
  • Patent number: 11374927
    Abstract: 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: Grant
    Filed: June 15, 2020
    Date of Patent: June 28, 2022
    Assignee: Affirm, Inc.
    Inventors: Jeffrey Howard Kaditz, Andrew Gettings Stevens, Bradley N. Selby, Aaron Ng Ligon, Manuel De Jesus Arias
  • Publication number: 20210366040
    Abstract: 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: Application
    Filed: August 6, 2021
    Publication date: November 25, 2021
    Inventors: Max Levchin, Christopher Beckmann, Jeffrey Howard Kaditz, Roberto Novoa, Andrew Gettings Stevens, Manuel De Jesus Arias, Aaron Ng Ligon
  • Patent number: 11030685
    Abstract: 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: Grant
    Filed: October 22, 2015
    Date of Patent: June 8, 2021
    Assignee: AFFIRM, INC.
    Inventors: Max Levchin, Christopher Beckmann, Jeffrey Howard Kaditz, Roberto Novoa, Andrew Gettings Stevens, Manuel De Jesus Arias, Aaron Ng Ligon
  • Patent number: 10964412
    Abstract: 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: Grant
    Filed: October 20, 2016
    Date of Patent: March 30, 2021
    Assignee: Q Bio, Inc.
    Inventors: Jeffrey Howard Kaditz, Andrew Gettings Stevens
  • Patent number: 10686781
    Abstract: 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: Grant
    Filed: December 20, 2014
    Date of Patent: June 16, 2020
    Assignee: Affirm Inc.
    Inventors: Jeffrey Howard Kaditz, Andrew Gettings Stevens, Bradley Neale Selby, Aaron Ng Ligon, Manuel De Jesus Arias
  • Patent number: 10635833
    Abstract: 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: Grant
    Filed: April 27, 2017
    Date of Patent: April 28, 2020
    Assignee: Q Bio, Inc.
    Inventors: Jeffrey Howard Kaditz, Andrew Gettings Stevens, David Grijalva
  • Patent number: 10194829
    Abstract: 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: Grant
    Filed: May 31, 2016
    Date of Patent: February 5, 2019
    Assignee: Q Bio, Inc.
    Inventors: Jeffrey Howard Kaditz, Andrew Gettings Stevens
  • Publication number: 20190025280
    Abstract: 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: Application
    Filed: September 26, 2018
    Publication date: January 24, 2019
    Applicant: Q Bio, Inc
    Inventors: Jeffrey Howard Kaditz, Andrew Gettings Stevens