Patents by Inventor Manuel De Jesus Arias
Manuel De Jesus Arias 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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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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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: 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