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US

Method and System for Offering a Credit Product by a Credit Issuer to a Consumer at a Point-Of-Sale

US 11,847,692 In force
OverviewFamilyAssignmentsSources & methods

Also listed on I4 Licensing LLC, an earlier holder on the record. The recorded assignments below show how it moved.

Term ends May 18, 2027 · Low confidence

Held by PayPal, Inc.
Filed Mar 16, 2021 as application 17/202,626 · Granted Dec 19, 2023
Base term plus 448 days of patent term adjustment (USPTO delay) · capped by a resolved terminal disclaimer
Today
20 years from filing
2007 2027
Clock starts
Jan 9, 2007
Term ends
May 18, 2027
Granted
Dec 19, 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
448
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 10,949,920.
None due
Maintenance fees
This term ends before the first maintenance fee's grace period does, 4 years from grant, so no fee can end it early.
9
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 448 days past its 20-year base term on prosecution delay. A terminal disclaimer resolved from the filed document caps it earlier. No maintenance fee can end this term early. Confidence: Low. 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 Jan 9, 2007, when application 11/651,141, the earliest non-provisional in its chain, was filed (this one was filed Mar 16, 2021); a parent in its chain could not be resolved (the next row)Jan 9, 2027High confidence
Continuity chainA parent in the chain could not be resolveddated from this application's own claimMedium confidence
Patent term adjustment+448 days, USPTO patent term adjustment recordApr 1, 2028High confidence
Terminal disclaimer capDisclaimer resolved from the filed document (refs US 10,949,920)capped to May 18, 2027High confidence
Patent term extensionNone on fileno changeHigh confidence
Fee eventsNo maintenance fee can end the term earlyIn forceHigh confidence
Further caveats on recordThe record names parents not resolved: 14047791, 11651141, 14047791, 11651141Low confidence overallLow confidence
Computed term endThe steps above, in orderMay 18, 2027Low confidence

This family

US 8,554,669In force
Jan 2029
Jan 2029
US 8,719,159In force
no later than Jan 2027
no later than Jan 2027
US 9,412,132In force
Jan 2027
Jan 2027
US 9,684,931In force
Jan 2027
Jan 2027
US 10,068,289In force
Jan 2027
Jan 2027
US 10,949,920In force
May 2027
May 2027
US 11,847,692this patent
May 2027
May 2027
US 11,922,494In force
Dec 2027
Dec 2027
8 of 9 applications in this family shown, earliest filings first. 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
Mar 17, 2021
Reel 55624, frame 581
Keithley, Thomas H.I4 Licensing, LLCAssignment of Assignor's Interest
Mar 17, 2021
Reel 55624, frame 893
Bill Me Later, Inc.eBay Inc.Merger
Mar 17, 2021
Reel 55625, frame 193
eBay Inc.PayPal, Inc.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.

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