160 patents currently held

25 more in force are now held by other companies

Held is read from USPTO's recorded assignments; a transfer never recorded there does not appear.

The next term ends in Nov 2026. from the record

Free plan: 3 watched companies. Pro: unlimited.

Alerts on its grants, lapses and transfers.

Ending by 2030

Nov 2026

Next term end

Patent families

When these terms end

5 yrs10 yrs20 yrs

Held patents by the year their term ends

2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043 2044 2045

notable patents fee due within 90 days all others Updated Nov 14, 2026 · includes USPTO assignment & status data published Nov 14, 2026 and grant & fee data published Nov 10, 2026 (weekly) · how we know

Notable: the highest-ranked patents in this portfolio by citations and family size. Fee due within 90 days: a maintenance fee is due within 90 days of when this page was computed and not yet paid.

Notable patents

Ranked by citations and family size, against patents of the same kind granted the same year. How we rank

Notable

Systems and Methods for Real-Time Account Access US 10,535,064

Cited by 114 later US patents, top 1% of utility patents granted in 2020 in our data. Protection runs to 2033.

Ends Nov 2033 · High confidence Also notable

E-Coupon Settlement and Clearing Process US 10,248,951

Cited by 132 later US patents, top 5% of utility patents granted in 2019 in our data. Protection runs to 2029.

Ends Mar 2029 · Medium confidence Also notable

Systems and Methods for Management of Data Analytics Platforms Using Metadata US 11,829,368

Cited by 11 later US patents, top 10% of utility patents granted in 2023 in our data. Protection runs to 2041.

Ends Sep 2041 · High confidence

Fee deadlines

Maintenance fees fall due 3.5, 7.5 and 11.5 years after grant. A missed fee ends a patent at the end of the six month grace period that follows, not on the due date.

4 fees due Nov 16 to 23, 2026 · next Nov 16
1 fee due Jan 14, 2027
The maintenance fee for Code Tracing Processor Selection (US 9,081,560) comes due Jan 14, 2027. Unpaid by Jul 14, 2027, it lapses early.
8 fees due Feb 1 to 28, 2027 · next Feb 1
2 fees due Mar 12 to 29, 2027 · next Mar 12
1 fee due Apr 24, 2027
The maintenance fee for Tracing Engine-Based Software Loop Escape Analysis and Mixed Differentiation Evaluation (US 11,799,495) comes due Apr 24, 2027. Unpaid by Oct 25, 2027, it lapses early.
3 fees due May 14 to 28, 2027 · next May 14
7 fees due Jun 5 to 30, 2027 · next Jun 5
1 fee due Jul 14, 2027
The maintenance fee for Systems and Methods for Real-Time Account Access (US 10,535,064) comes due Jul 14, 2027. Unpaid by Jan 14, 2028, it lapses early.
1 fee due Aug 4, 2027
The maintenance fee for Systems and Methods for Real-Time Account Access (US 10,552,807) comes due Aug 4, 2027. Unpaid by Feb 4, 2028, it lapses early.
3 fees due Sep 12 to 17, 2027 · next Sep 12
2 fees due Nov 5 to 7, 2027 · next Nov 5

Which patents, and when each one lapses · Pro

Recent changes

Oct 13Assignment recorded on 1 record: Ghosh, Ranadhir and 2 others to Fidelity Information Services, LLC Recorded Oct 13, 2026, executed Aug 11, 2025. Conveyance as recorded: Assignment of Assignor's Interest. A recorded assignment is a filed document, not a statement of current ownership. Reel 76349, frame 868.
11 of the patents on this record were granted since Aug 16, 2026
1 term has ended since Aug 16, 2026

What they patent

The 5 largest of its 88 families, grouped by real patent family and labeled by the earliest filing in each. No technology classification is inferred from titles.

Systems and Methods for Real-Time Account Access	8 in force	to Oct 2034
Systems and Methods for Providing Cloud Computing Semantic Layer Operations	7 in force	to Dec 2040
Systems and Methods for Rapid Booting and Deploying of an Enterprise System in a Cloud Environment	5 in force	to May 2039
Cloud-Based Systems and Methods for Providing Consumer Financial Data	5 in force	to Jul 2035
Systems and Methods for Blockchain-Based Non-Fungible Token (NFT) Authentication	4 in force	to Apr 2043

Patents held now

Soonest term end first.

Patent	Title	Status	Expires	Confidence
US 7,447,347	Method and System for Retaining Micr Code Format In force Term ends Nov 29, 2026 · High confidence	In force	Term ends Nov 29, 2026	High confidence
US 7,461,029	Method for Clustered Data Transmission In force Term ends Dec 21, 2026 · High confidence	In force	Term ends Dec 21, 2026	High confidence
US 8,121,939	Method and Apparatus for a Model Assessing Debtor Behavior In force Term ends Mar 16, 2027 · High confidence	In force	Term ends Mar 16, 2027	High confidence
US 7,849,003	Methods and Systems for Opening and Funding a Financial Account Online In force Term ends Apr 27, 2027 · High confidence	In force	Term ends Apr 27, 2027	High confidence
US 8,160,957	Methods and Systems for Opening and Funding a Financial Account Online In force Term ends Apr 27, 2027 · High confidence	In force	Term ends Apr 27, 2027	High confidence
US 8,423,456	Methods and Systems for Opening and Funding a Financial Account Online In force Term ends Apr 27, 2027 · High confidence	In force	Term ends Apr 27, 2027	High confidence
US 7,752,132	Electronic Payment and Authentication System with Debit and Identification Data Verification and Electronic Check Capabilities In force Term ends May 22, 2027 · High confidence	In force	Term ends May 22, 2027	High confidence
US 7,548,641	System and Method for Embedding Check Data in a Check Image In force Term ends May 28, 2027 · High confidence	In force	Term ends May 28, 2027	High confidence
US 7,783,549	Transaction Processing System and Method In force Term ends Jun 27, 2027 · High confidence	In force	Term ends Jun 27, 2027	High confidence
US 7,734,543	Electronic Bill Presentment and Payment System In force Term ends Jul 19, 2027 · High confidence	In force	Term ends Jul 19, 2027	High confidence

10 of 160 patents shown.

Pro members see all 160.

Pro members: see all 160 patents

Also on record, not counted in the 160: 25 patents in force now held by others · 51 patents ended · 108 applications pending · 41 applications abandoned. List them

Sources and methods

Compiled from USPTO application file histories, grants and recorded assignments, with the company's own names reviewed by hand. How this record was built

Portfolio grouped automatically from ownership conveyances to the names matched to this company, usually every name that begins with its own, so it counts patents an affiliate holds; each list row names the holder of record. Security interests are excluded and ambiguous records are not reviewed by hand.

Fee due within 90 days marks a patent with a maintenance fee due within 90 days of the date this page was computed and not yet recorded paid, so it can end earlier than the bar shows. A fee left unpaid ends the patent at the close of the six month grace period that follows its due date, not on the due date itself. It is not a prediction that the fee will be missed.

Computed patent terms end on the dates shown. Related patents and pending applications may cover overlapping subject matter.

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