Affirm, Inc.

Manuel De Jesus Arias

Andrew Gettings Stevens

Jeffrey Howard Kaditz

Aaron Ng Ligon

Max Levchin

Christopher Beckmann

Roberto Novoa

Bradley Neale Selby

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.

Refinancing tools for purchasing transactions

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.

System and method for passwordless logins

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.

Tools for purchasing transactions

Growing community of inventors

San Francisco, CA, United States of America

Manuel De Jesus Arias