The Patent Finder

Fiserv, Inc.

61 patents currently held · Updated Nov 14, 2026
1 more in force is now held by another company
Held is read from USPTO's recorded assignments; a transfer never recorded there does not appear.
11
Ending by 2030
Apr 2028
Next term end

When these terms end

Held patents by the year their term ends
20262027202820292030203120322033203420352036203720382039204020412042204320442045

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.
  • 2 fees due Jan 9 to 25, 2027 · next Jan 9
  • 2 fees due Mar 8 to 12, 2027 · next Mar 8
  • 1 fee due Apr 29, 2027
    The maintenance fee for Generating integrated data records by correlating source data records from disparate data sources (US 10,459,935) comes due Apr 29, 2027. Unpaid by Oct 29, 2027, it lapses early.
  • 1 fee due Jun 26, 2027
    The maintenance fee for High-integrity opaque-inset panel envelope, and method for manufacturing the same (US 11,851,242) comes due Jun 26, 2027. Unpaid by Dec 27, 2027, it lapses early.
  • 1 fee due Jul 30, 2027
    The maintenance fee for In-store mirror cart in an in-store environment (US 11,887,181) comes due Jul 30, 2027. Unpaid by Jan 31, 2028, it lapses early.

Which patents, and when each one lapses · Pro

Recent changes

  • 1 of the patents on this record was granted since Aug 16, 2026

Patents held now

Soonest term end first. Each date below is computed on that patent's own page, which shows the rule, the adjustments and the fee history it was derived from.
PatentTitleStatus Expires Confidence
US 7,844,674Architecture for general purpose trusted personal access system and methods therefor
In force
 · From the USPTO record
In forceFrom the USPTO record
US 8,494,934Electronic System for Provision of Banking Services
In force
 · High confidence
In forceHigh confidence
US 8,433,659Systems and methods for determining estimated lead times
In force
 · From the USPTO record
In forceFrom the USPTO record
US 8,290,835Systems, methods, and apparatus for establishing payees based on cleared items posted to a financial account
In force
 · From the USPTO record
In forceFrom the USPTO record
US 9,130,925Personalized security management
In force
 · From the USPTO record
In forceFrom the USPTO record
US 8,417,630Systems and methods for deposit predictions based upon template matching
In force
 · From the USPTO record
In forceFrom the USPTO record
US 8,275,683Systems and methods for deposit predictions based upon Monte Carlo analysis
In force
 · From the USPTO record
In forceFrom the USPTO record
US 8,543,501Systems and methods for capturing and processing payment coupon information
In force
 · From the USPTO record
In forceFrom the USPTO record
US 8,688,557Systems and methods for customer value optimization involving relationship optimization
In force
 · From the USPTO record
In forceFrom the USPTO record
US 8,635,155Systems and methods for processing a payment coupon image
In force
 · From the USPTO record
In forceFrom the USPTO record
10 of 61 patents shown.
Pro members see all 61.
Pro members: see all 61 patents
Also on record, not counted in the 61: 1 patent in force now held by others · 7 lapsed for an unpaid fee · 1 ended at full term. List them

Sources and methods

Compiled from the USPTO record, grants, published applications and recorded assignments, not yet reviewed by hand. How this record was built
Computed patent terms end on the dates shown. Related patents and pending applications may cover overlapping subject matter.

Published applications

US patent applications published under this name that have not become patents. An application is published about eighteen months after its earliest filing; one that has not been published is in no public record.

10 pending · 1 abandoned · 48 no status recorded

List them

The Patent Finder CompaniesExpirationsCalculatorWatchlistPricing MethodologyCorrectionsLegalPrivacysupport@thepatentfinder.com Updated Nov 14, 2026 · includes USPTO assignment & status data published Nov 14, 2026 and grant & fee data published Nov 10, 2026 (weekly) Part of 137 Finder · © 2026 137 Finder LLC · Sources cited