Dr. Pankaj Jha, PhD

Founder/CEO, Quantum Equilibrium Scientist

BIO

Dr. Pankaj Jha is Founder/CEO, Quantum Equilibrium Scientist at AI-Life Pay Inc. Dr. Jha is an executive specializing in Quantum Equilibrium, Quantum Spin-Data, Fintech Risk Profiling and Targeting, Investments and Quantum Innovation. At AI-Life Pay Dr. Jha's strategic vision and plan is to build Quantum Equilibrium fintech platform using AI-Life Score™, proprietary algorithm. Platform will be used to identify credit worthiness and fraud prevention, using dark data analysis.


Prior to AI-Life Pay Inc., Dr. Jha worked at GIANT AIBI, Palo Alto, USA and Intel, Portland, USA. At Intel he was involved in Front-end Technology Development for 10nm Tri-Gate 3D transistor (P1274). Dr. Jha received his masters and PhD degree from Purdue University in 2010 and 2013 respectively. Dr. Jha completed an intensive in-person certificate program on Executive Education, Finance and Accounting (FANFE) at Stanford Graduate School of Business in February 2024 and US Intellectual Property Law at Stanford Law School in August 2024. At Purdue University his research was focused on Novel Perovskite Oxide Devices, Oxide Superlattices, Oxide Thermoelectrics. In 2013 Dr. Jha had MIT, Postdoctoral Scholar Offer which he did not pursue further. He received Student Innovator Award 2013 and 2012 at Office of Technology Commercialization-Purdue Research Foundation. Dr. Jha also received Nanotechnology Student Advisory Council (NSAC) Leadership Award 2012. Award Citation: "The NSAC Leadership award has been established to provide recognition for outstanding service, participation, and leadership for NSAC", Birck Nanotechnology Center, Purdue University. He was visiting research scholar at Interuniversity Microelectronics Center (IMEC), Belgium in 2008.

Founder/CEO, Quantum Equilibrium Scientist

Palo Alto, California, United States


  • AI-Life Pay Inc.   
  • www.ailifepay.com
  • Palo Alto, CA, USA
  • Quantum Equilibrium Fintech

Quantum Equilibrium Scientist

Palo Alto, California, USA


  • Company:AI-Life Pay
  • Website: www.ailifepay.com
  • Location: Palo Alto, CA, USA
  • Field: Quantum Fintech


  • Quantum Equilibrium, Quantum Spin-Data, Economy, Strategy
  • Fintech Risk Profiling and Targeting, Investments, M&A, Innovation and Leadership
  • Entrepreneur, Leadership, Business and Technology Innovation, Risk, Ideas to Reality
  • Oxide Magnetic/Spintronics Devices, Artificial Materials, Spin-Magnetic Novel Devices

Experience


Founder/CEO and Quantum Equilibrium Scientist

AI-Life Pay
Mar 2023 - Present

Palo Alto, California, United States

  • Quantum Equilibrium, Quantum Spin-Data Intelligence, and Quantum in Fintech
  • Emerging Quantum, Nanotechnology and AI, AI-Life Pay, and AI-Life Score
  • Quantum Computing Fintech Risk Profiling, Targeting and assessment

Founder/CEO, Nanotechnology and AI Scientist
GIANT AIBI
Apr 2015 - Dec 2022

Palo Alto, California, United States

  • Quantum Equilibrium, Quantum Spin-Data Intelligence, and Fintech
  • Emerging Quantum and Nanotechnology Devices, Spintronics, Exploratory Devices
  • Dark-Data Referencing and Fraud Prevention using Quantum Computing

Technology Development Engineer
Portland Technology Development, Intel Corporation
Aug 2013 - Mar 2015

Portland, Oregon, United States

  • Front-end Technology Development for 10nm Tri-Gate 3D transistor (P1274)

PhD Candidate and Graduate Research Assistant
Purdue University
Jan 2008 - Aug 2013

Birck Nanotechnology Center, Indiana, United States

  • Novel Perovskite Oxide Devices, Oxide Superlattices, Oxide Thermoelectrics

Visiting Research Scholar
Interuniversity Microelectronics Center (IMEC)
Jun 2008 - Aug 2008

Belgium

  • Explored Negative Capacitance Effect in BaTiO3 and MOSFET Scaling

National Research Fellowship
Indian Institute of Technology, Bombay
Jun 2006 - Aug 2007

  • Exploration of Novel Nano-electronics Energy Conversion Devices


Education


Stanford Law School
US Intellectual Property Law
Aug 2024

Grade: In-Person, Certificate

  • Introduction to U.S. IP Law; Copyright, Copyright and the internet
  • Trademarks: Brand protection in the U.S.; Trademarks on the internet
  • Patents, Trade secrets, Design protection, IP licensing and technology transfer
  • Venture capital in Silicon Valley, IP litigation; Silicon Valley company insights

Stanford University Graduate School of Business
Executive Education, Finance and Accounting (FANFE)
Feb 2024

Grade: In-Person, Certificate

  • Finance and Accounting, Taxes, M&A, Business Ethics

Purdue University
Doctor of Philosophy (PhD), Electrical and Computer Engineering
2010 - 2013

Grade: Nanotechnology

Activities and Societies:

  • President (2011-2012) Nanotechnology Student Advisory Council (NSAC), Purdue University
  • Graduate Ambassador, Birck Nanotechnology Center, Purdue University
  • Volunteer committee chair, NanoDays, Birck Nanotechnology Center

Advisor: Professor Timothy D. Sands (https://www.president.vt.edu/index/biography.html)
Thesis: Cross-plane thermoelectric transport in p-type LSMO/LMO superlattices


Purdue University - Krannert School of Management
MINI-MBA Program: Applied Management Principles
May 2013

  • Extensive two week course in Accounting/ Economics / Marketing/ Strategy / Leadership/ Finance
  • Nominated by Purdue University School of Electrical and Computer Engineering and Funded by College of Engineering

Purdue University
Master of Science (M.S.), Electrical and Computer Engineering
2008 - 2010

Grade: Nanotechnology

Activities and Societies:

  • Research and Awareness Chair (2009-2011), Nanotechnology Student Advisory Council (NSAC)
  • Coordinated a visit to Argonne National Laboratory, UIUC Nano Lab, and Fermi Lab, USA
  • Judged Undergraduate Research and Poster Symposium 2008, Purdue University

Advisor: Professor Timothy D. Sands (https://www.president.vt.edu/index/biography.html)
Thesis: P-type Perovskite Oxide Thermoelectrics



Publications


See Publications



Patents


Giant cross-plane seebeck effect in oxide metal semiconductor superlattices for spin-magnetic thermoelectric devices

Issued June 4, 2019 • United States • Patent No.: US 10,312,426,B2
See Patent


Oxide metal semiconductor superlattices for thermoelectrics

US20120227663A1US
See Patent



Courses


  • 1. Stanford Quantum Incubator Workshop 1.0, Stanford Law School, November 1, 2024
  • 2. TechCrunch Disrupt 2024, Moscone Convention Center, San Francisco, October 28-30, 2024
  • 3. President's Council Back to Class, Session (1) Technology Must Advance Freedom + Session (2) Computing with Neuro-Inspired Learning+ Session (3) Economic Labor Market Data Analysis, Purdue University Stewart Center West Lafayette, Sept 27, 2024
  • 4. The Digitalist Papers: Artificial Intelligence and Democracy in America, Stanford Hoover Institution, Sept 24, 2024
  • 5. 21st Annual Stanford Digital Economy Best Practices, Stanford Law School; June 10, 2024
  • 6. John Preskill- Learning in a Quantum World; Hewlett Stanford; May 28, 2024
  • 7. 2nd Annual Stanford Responsible Quantum Technology Conference, Stanford Law School; May 20, 2024
  • 8. AI in Fintech Forum; Stanford Advanced Financial Technologies Laboratory; May 10, 2024
  • 9. Strengthening Trust with India: Implication of the 2008 US-India Civil Nuclear Agreement, Stanford Hoover Institution; May 6, 2024
  • 10. 8th Annual Stanford Drug Discovery Symposium, Stanford Cardiovascular Institute; April 29-30, 2024
  • 11. Stanford Data Science Distinguished Lecture: Cynthia Dwork; Jan 11, 2024
  • 12. 24th Annual Berkeley-Stanford Advanced Patent Law Institute December 7-8, 2023
  • 13. Stanford AI Symposium: AI Applications, Risks, and Oversight for Business Nov 13, 2023
  • 14. Stanford University Technological Innovation and National Security Conference Nov 1, 2023


Honors & Awards


Reviewer
Issued by Journal of Applied Physics

Sep 2014

  • Associated with Portland Technology Development, Intel Corporation
  • Reviewer, Journal of Applied Physics, 2014-Present

Student Innovator Award 2013
Issued by Office of Technology Commercialization-Purdue Research Foundation

Nov 2013

  • Associated with Purdue University
  • Student Innovator Award 2013, Purdue University

MINI-MBA Program: Applied Management Principles at Purdue University Krannert School of Management
Issued by School of Electrical and Computer Engineering and College of Engineering, Purdue University

May 2013

  • Associated with Purdue University
  • Nominated and scholarship by Purdue University School of Electrical and Computer Engineering and College of Engineering

MIT, Postdoctoral Scholar Offer
Issued by MIT- Massachusetts Institute of Technology, Cambridge, United States

May 2013

  • Associated with Purdue University
  • Decided to pursue other opportunity

Nanotechnology Student Advisory Council (NSAC) Leadership Award 2012
Issued by Birck Nanotechnology Center, Purdue University

Jan 2012

  • Associated with Purdue University
  • Award Citation: "The NSAC Leadership award has been established to provide recognition for outstanding service, participation, and leadership for NSAC", Birck Nanotechnology Center, Purdue University

Student Innovator Award 2012
Issued by Office of Technology Commercialization-Purdue Research Foundation

Jan 2012

  • Associated with Purdue University
  • Student Innovator Award 2012, Purdue University

Travel Grant, Electronic Material Conference (EMC-2011)
Issued by Electronic Material Conference

Jan 2011

  • Associated with Purdue University


Projects


Thermoelectric Transport in Perovskite Oxide Superlattices
Jan 2010 - Present

  • Cross-plane thermoelectric transport in p-type LSMO/LMO oxide superlattices

P-type Perovskite Oxide Thermoelectrics
Jan 2008 - Jan 2009

  • Investigated perovskite oxide as a potential p-type thermoelectric material


Organizations Associated


The Minerals, Metal and Materials Society
Member · May 2011 - Present

  • Associated with Purdue University

Material Research Society
Member · Jan 2010 - Present

  • Associated with Purdue University

Nanodays at Birck Nanotechnology Center, Purdue University
Volunteers Committee Chair · Jan 2012 - Jan 2013

  • Associated with Purdue University
  • Nanodays is a nation wide education programs about nanoscale science and engineering and it potential impact on the future; mostly engages K-12 learning about emerging field of science.
  • Volunteers 2010, 2011

Birck Nanotechnology Center, Purdue University
Graduate Ambassador · Jun 2010 - Jun 2012

  • Associated with Purdue University
  • Inaugural class of graduate ambassadors, Birck Nanotechnology Center, Purdue University

Nanotechnology Student Advisory Council (NSAC)
President · May 2011 - Jun 2012

  • Associated with Purdue University
  • Initiated NSAC-NCN student seminar series
  • Initiated NSAC correspondent program
  • Mentored NSAC members for leadership positions

Nanotechnology Student Advisory Council (NSAC)
Research and Awareness Chair · May 2009 - May 2011

  • Associated with Purdue University
  • Coordinated visit to Argonne National Laboratory, Fermi Lab, and Micro and Nanotechnology Laboratory, University of Illinois at Urbana-Champaign, USA
  • Visited Caltech, Stanford, MIT, Harvard, UIUC, Notre Dame, Northwestern, and UCSB University

Quantum Equilibrium Fintech, ailifescore

Quantum For Randomness, Speed and Accuracy

Quantum For Randomness, Speed and Accuracy

Quantum Hidden Variables Market Volatility, Risk Profiling and Optimization

Quantum Hidden Variables Market Volatility, Risk Profiling and Optimization

Quantum Probability At Collapse Of Wave Function For Confidence and Security

Quantum Probability At Collapse Of Wave Function For Confidence and Security





AI-Life Score QE Venture

New Paradigm Investments, Innovating Capital Purpose, Technological Evolutions



Portfolio Stewardship

Invest in People and Idea
Value What People Create That Is Not In Dollars

Opera of Venture Capital

Looking at What Market to Create
Seed, Early and Growth-stage Investments

Exponential Network Effects

Optimizing a Risk-neutral Objective
Risk-Sensitive Reinforcement Learning
Network Reliability with Exponential Criteria

AI-Life Pay Investment Renaissance

Detect Evolving Arbitrage Data in Fintech
Score Risk, Maximizing Value and Bringing Wealth to Its Full Potential

Pioneering Enterprise Intelligence

Quantum Science Driven "AI-Life Score"
Complex Content That Yields New Network
In-depth Analysis of Companies and Industries
Risk Analytics Protecting Evolving Investment

AI-Life Pay Fintech Platform

Quantum Algorithm That Unifies Common Data Algorithm For Credit Risk Decision

Underwriting Services

Uncertainty Quantification
Lending Platform Tracing Lineage of Data
Visualizing The Bivariate Normal Distribution
Score Every Event to Calculate Creditworthiness

Line of Credit Intelligence

Merchant/Consumer/Business Onboarding