The Patent Finder

ZestFinance, Inc.

25 patents currently held · Updated Nov 15, 2026
Held is read from USPTO's recorded assignments; a transfer never recorded there does not appear.
0
Ending by 2030
Jan 2034
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 Feb 8, 2027
  • 1 fee due May 14, 2027
    The maintenance fee for Systems and Methods for Decomposition of Differentiable and Non-Differentiable Models (US 11,816,541) comes due May 14, 2027. Unpaid by Nov 15, 2027, it lapses early.
  • 1 fee due Jun 19, 2027
    The maintenance fee for Systems and Methods for Enriching Modeling Tools and Infrastructure with Semantics (US 11,847,574) comes due Jun 19, 2027. Unpaid by Dec 20, 2027, it lapses early.
  • 1 fee due Aug 6, 2027
    The maintenance fee for Systems and methods for model fairness (US 11,893,466) comes due Aug 6, 2027. Unpaid by Feb 7, 2028, it lapses early.
  • 1 fee due Sep 26, 2027
    The maintenance fee for Explainable machine learning financial credit approval model for protected classes of borrowers (US 11,941,650) comes due Sep 26, 2027. Unpaid by Mar 27, 2028, it lapses early.
  • 2 fees due Oct 16 to 30, 2027 · next Oct 16

Which patents, and when each one lapses · Pro

Recent changes

Nothing was recorded against this company's patents in the last 90 days.

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 12,271,945Adverse action systems and methods for communicating adverse action notifications for processing systems using different ensemble modules
In force
 · From the USPTO record
In forceFrom the USPTO record
US 12,099,470API for Implementing Scoring Functions
In force
 · High confidence
In forceHigh confidence
US 11,720,527API for Implementing Scoring Functions
In force
 · High confidence
In forceHigh confidence
US 11,010,339API for Implementing Scoring Functions
In force
 · High confidence
In forceHigh confidence
US 9,720,953Systems and methods for type coercion
In force
 · From the USPTO record
In forceFrom the USPTO record
US 10,261,959Systems and methods for type coercion
In force
 · From the USPTO record
In forceFrom the USPTO record
US 10,127,240API for Implementing Scoring Functions
In force
 · High confidence
In forceHigh confidence
US 11,301,484Systems and methods for type coercion
In force
 · From the USPTO record
In forceFrom the USPTO record
US 12,613,888Systems and Methods for Parsing Opaque Data
In force
 · Low confidence
In forceLow confidence
US 11,106,705Systems and methods for parsing opaque data
In force
 · From the USPTO record
In forceFrom the USPTO record
10 of 25 patents shown.
Pro members see all 25.
Pro members: see all 25 patents

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.

1 pending · 3 abandoned · 13 no status recorded

List them

The Patent Finder CompaniesExpirationsCalculatorWatchlistPricing MethodologyCorrectionsLegalPrivacysupport@thepatentfinder.com Updated Nov 15, 2026 · includes USPTO assignment & status data published Nov 15, 2026 and grant & fee data published Nov 10, 2026 (weekly) Part of 137 Finder · © 2026 137 Finder LLC · Sources cited