Term ends no later than Jan 2, 2040 · Medium confidence

Computed 20-year base term

In force on USPTO's status record and by its fee record. A terminal disclaimer on file may shorten this term, possibly to a date already past; its reference document is unresolved, so the date above is an upper bound and no earlier date is guessed.

Held by United Services Automobile Association (Usaa)

Filed May 14, 2021 as application 17/320,795 · Granted Aug 22, 2023

Base term plus 83 days of patent term adjustment (USPTO delay)

Today

20 years from filing

Ends no later than Jan 2, 2040

2019 2040

Clock starts
Oct 11, 2019

Ends no later than
Jan 2, 2040

Granted
Aug 22, 2023

base term patent term adjustment 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

Days of term adjustment

Read from the USPTO patent term adjustment record, not recalculated here.

Unresolved

Terminal disclaimer

On file, reference document not resolved, so the date above is an upper bound. We do not guess the cap.

0 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.

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 83 days past its 20-year base term on prosecution delay. A terminal disclaimer is on file with no resolved reference, so no cap is applied and none is guessed. 0 of 3 maintenance fees are paid so far. Confidence: Medium. 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.

Step	Input	Date after this step	Confidence
Base term, 20 years from filing	Clock starts Oct 11, 2019, when application 16/599,472, the earliest non-provisional in its chain, was filed (this one was filed May 14, 2021)	Oct 11, 2039	High confidence
Continuity chain	Every parent in the chain resolved	no change	High confidence
Patent term adjustment	+83 days, USPTO patent term adjustment record	Jan 2, 2040	High confidence
Terminal disclaimer cap	Disclaimer on file (approved), reference document not resolved	no cap applied, and none guessed	Medium confidence
Patent term extension	None on file	no change	High confidence
Fee events	0 of 3 maintenance fees paid	In force	High confidence
Computed term end	The steps above, in order	no later than Jan 2, 2040	Medium confidence

This family

US 11,044,695	In force Oct 2039	Oct 2039
US 11,737,050	this patent no later than Jan 2040	no later than Jan 2040
US 12,052,684	In force Oct 2039	Oct 2039
US 12,490,230	In force Oct 2039	Oct 2039

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.

Recorded	Assignor	Assignee	Conveyance
Jul 12, 2022 Reel 60482, frame 329	Kelley, Patrick R.	Uipco, LLC	Assignment of Assignor's Interest
Jul 12, 2022 Reel 60482, frame 355	Uipco, LLC	United Services Automobile Association (Usaa)	Assignment of Assignor's 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.

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Alerts on its grants, lapses and transfers.

What's changing

Jan 2040

Term ends no later than Jan 2, 2040. Maintenance fees still fall due before then

Note

A terminal disclaimer is on file and its reference is not resolved. No cap is applied and none is guessed

Note

The 83 days of patent term adjustment (USPTO delay) are read from the USPTO record, not recalculated by us

Open question

A terminal disclaimer is on file (approved) and its reference document is not resolved. A disclaimer would cap the term earlier than Jan 2, 2040. We will not guess the cap.

Citations

later US patent cites this one

That is below the median of utility patents granted in 2023 in our data, the only group it is compared against. How we rank

Every date shows its work: the base term, any term adjustment or extension, any disclaimer cap, and the maintenance fee record, each with a confidence tier. How this record was built

This computed term ends no later than the date shown; an unresolved terminal disclaimer may end it earlier. Related patents and pending applications may cover overlapping subject matter.

In force means the term is running and no lapse is on record. It is not a finding that the patent is valid.

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