公开(公告)号：US20240062287A1

公开(公告)日：2024-02-22

申请号：US18498645

申请日：2023-10-31

申请人： Affirm, Inc.

发明人： Max Levchin ,  Christopher Beckmann ,  Jeffrey Howard Kaditz ,  Roberto Novoa ,  Andrew Gettings Stevens ,  Manuel De Jesus Arias ,  Aaron Ng Ligon

IPC分类号： G06Q40/03

CPC分类号： G06Q40/03

摘要： 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.

公开(公告)号：US11374927B1

公开(公告)日：2022-06-28

申请号：US16901397

申请日：2020-06-15

申请人： AFFIRM, INC.

发明人： Jeffrey Howard Kaditz ,  Andrew Gettings Stevens ,  Bradley N. Selby ,  Aaron Ng Ligon ,  Manuel De Jesus Arias

IPC分类号： G06F7/04 ,  H04L9/40 ,  H04L67/10 ,  G06F21/35

摘要： 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.

公开(公告)号：US20240106822A1

公开(公告)日：2024-03-28

申请号：US18527893

申请日：2023-12-04

申请人： Affirm, Inc.

发明人： Jeffrey Howard Kaditz ,  Andrew Gettings Stevens ,  Bradley N. Selby ,  Aaron Ng Ligon ,  Manuel De Jesus Arias

IPC分类号： H04L9/40 ,  G06F21/35 ,  H04L67/10

CPC分类号： H04L63/0853 ,  G06F21/35 ,  H04L63/08 ,  H04L63/10 ,  H04L67/10

摘要： 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.

公开(公告)号：US12086878B2

公开(公告)日：2024-09-10

申请号：US18498645

申请日：2023-10-31

申请人： Affirm, Inc.

发明人： Max Levchin ,  Christopher Beckmann ,  Jeffrey Howard Kaditz ,  Roberto Novoa ,  Andrew Gettings Stevens ,  Manuel De Jesus Arias ,  Aaron Ng Ligon

IPC分类号： G06Q40/03

CPC分类号： G06Q40/03

摘要： 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.

公开(公告)号：US20230281710A1

公开(公告)日：2023-09-07

申请号：US18197873

申请日：2023-05-16

申请人： Affirm, Inc.

发明人： Jeffrey Howard Kaditz ,  Andrew Gettings Stevens ,  Manuel De Jesus Arias ,  Aaron Ng Ligon

IPC分类号： G06Q40/03

CPC分类号： G06Q40/03

摘要： 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.

公开(公告)号：US20220286450A1

公开(公告)日：2022-09-08

申请号：US17752220

申请日：2022-05-24

申请人： Affirm, Inc.

发明人： Jeffrey Howard Kaditz ,  Andrew Gettings Stevens ,  Bradley N. Selby ,  Aaron Ng Ligon ,  Manuel De Jesus Arias

IPC分类号： H04L9/40 ,  G06F21/35 ,  H04L67/10

摘要： 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.

公开(公告)号：US12026773B2

公开(公告)日：2024-07-02

申请号：US17941459

申请日：2022-09-09

申请人： Affirm, Inc.

发明人： Max Levchin ,  Christopher Beckmann ,  Jeffrey Howard Kaditz ,  Roberto Novoa ,  Andrew Gettings Stevens ,  Manuel De Jesus Arias ,  Aaron Ng Ligon

IPC分类号： G06Q40/03

CPC分类号： G06Q40/03

摘要： 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.

公开(公告)号：US11870773B2

公开(公告)日：2024-01-09

申请号：US17752220

申请日：2022-05-24

申请人： Affirm, Inc.

发明人： Jeffrey Howard Kaditz ,  Andrew Gettings Stevens ,  Bradley N. Selby ,  Aaron Ng Ligon ,  Manuel De Jesus Arias

IPC分类号： H04L9/40 ,  H04L67/10 ,  G06F21/35

CPC分类号： H04L63/0853 ,  G06F21/35 ,  H04L63/08 ,  H04L63/10 ,  H04L67/10

摘要： 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.

公开(公告)号：US20230005057A1

公开(公告)日：2023-01-05

申请号：US17941459

申请日：2022-09-09

申请人： Affirm, Inc.

发明人： Max Levchin ,  Christopher Beckmann ,  Jeffrey Howard Kaditz ,  Roberto Novoa ,  Andrew Gettings Stevens ,  Manuel De Jesus Arias ,  Aaron Ng Ligon

IPC分类号： G06Q40/02

摘要： 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.

公开(公告)号：US11455683B2

公开(公告)日：2022-09-27

申请号：US17395864

申请日：2021-08-06

申请人： Affirm, Inc.

发明人： Max Levchin ,  Christopher Beckmann ,  Jeffrey Howard Kaditz ,  Roberto Novoa ,  Andrew Gettings Stevens ,  Manuel De Jesus Arias ,  Aaron Ng Ligon

IPC分类号： G06Q40/02

摘要： 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.