The Patent Finder
US

Virtual Payment Card Fraud Detection

US 11,068,898 In force
OverviewFamilyAssignmentsSources & methods

Term ends Aug 31, 2035 · High confidence

Held by Vpay, Inc.
Filed Sep 4, 2019 as application 16/559,739 · Granted Jul 20, 2021
Base term plus 105 days of patent term adjustment (USPTO delay) · capped by a resolved terminal disclaimer
Today
20 years from filing
2015 2035
Clock starts
Aug 31, 2015
Term ends
Aug 31, 2035
Granted
Jul 20, 2021
base term fee events 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
105
Days of term adjustment
Read from the USPTO patent term adjustment record, not recalculated here.
Capped
Terminal disclaimer
Resolved from the filed document, referencing US 10,445,735.
1 of 3
Maintenance fees paid
Three maintenance fees fall due, at 3.5, 7.5 and 11.5 years from grant. This counts the ones the record shows paid.
5
Family applications on record here
Applications sharing this one's continuity chain whose file history this site holds. The family may have others.

This patent's term runs 105 days past its 20-year base term on prosecution delay. A terminal disclaimer resolved from the filed document caps it earlier. 1 of 3 maintenance fees is paid so far. Confidence: High. from the record

How we calculated this date

One row per rule, each showing its own input and what it did to the date. A step we could not verify says so instead of resolving itself.
StepInputDate after this stepConfidence
Base term, 20 years from filingClock starts Aug 31, 2015, when application 14/840,783, the earliest non-provisional in its chain, was filed (this one was filed Sep 4, 2019)Aug 31, 2035High confidence
Continuity chainEvery parent in the chain resolvedno changeHigh confidence
Patent term adjustment+105 days, USPTO patent term adjustment recordDec 14, 2035High confidence
Terminal disclaimer capDisclaimer resolved from the filed document (refs US 10,445,735)capped to Aug 31, 2035High confidence
Patent term extensionNone on fileno changeHigh confidence
Fee events1 of 3 maintenance fees paidIn forceHigh confidence
Computed term endThe steps above, in orderAug 31, 2035High confidence

This family

Application 14/840,783Abandoned
not computed
not computed
US 10,445,735In force
Aug 2035
Aug 2035
US 11,068,898this patent
Aug 2035
Aug 2035
US 11,599,885In force
Aug 2035
Aug 2035
US 12,033,155In force
Aug 2035
Aug 2035
The applications whose file history this site holds. The family may have others.

Assignments

Assignment documents as recorded at the USPTO, oldest first, with the reel and frame each was recorded at. A recorded assignment is a filed document, not a statement of current ownership, and the absence of a later one is not evidence that the last one still stands.
RecordedAssignorAssigneeConveyance
Sep 18, 2019
Reel 50410, frame 273
Allen, Robert M.Vpay, Inc.Assignment of Assignor's Interest
Oct 19, 2020
Reel 54097, frame 61
Vpay, Inc.Comerica BankSecurity Interest
Dec 29, 2020
Reel 54861, frame 737
Vpay, Inc.BMO Harris Bank N.A., as Administrative AgentGrant of a Security Interest Patents
Dec 30, 2020
Reel 54873, frame 646
Comerica BankVpay, Inc.Release of Security Interest
Jan 21, 2021
Reel 54989, frame 883
BMO Harris Bank N.A.Vpay, Inc.Release of Security Interest

Sources

Google Patents · The patent document at USPTO · Assignment records at USPTO

USPTO account required: This application in Patent Center · USPTO's maintenance fee lookup

Maintenance fee events come from USPTO's own fee records. Its fee lookup asks for the patent number and the application number.

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