The Patent Finder
US

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

US 12,700,034 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 Jun 11, 2027 · Low confidence

Held by PayPal, Inc.
Filed Jan 30, 2024 as application 18/427,530 · Granted Aug 4, 2026
Base term plus 153 days of patent term adjustment (USPTO delay)
Today
20 years from filing
2007 2027
Clock starts
Jan 9, 2007
Term ends
Jun 11, 2027
Granted
Aug 4, 2026
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
153
Days of term adjustment
Read from the USPTO patent term adjustment record, not recalculated here.
No effect
Terminal disclaimer
Resolved from the filed document, referencing US 11,922,494, to Jun 11, 2027. The term already ends on or before that date, so the cap shortened nothing.
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 153 days past its 20-year base term on prosecution delay. A terminal disclaimer is resolved from the filed document, and it ends no earlier than this term, so it shortens nothing. 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 Jan 30, 2024); 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+153 days, USPTO patent term adjustment recordJun 11, 2027High confidence
Terminal disclaimer capDisclaimer resolved from the filed document (refs US 11,922,494)resolves to Jun 11, 2027, no earlier than this term, so no changeHigh 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 orderJun 11, 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 11,847,692In force
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
Feb 1, 2024
Reel 66329, frame 394
Keithley, Thomas H.I4 Licensing, LLCAssignment of Assignor's Interest
Feb 1, 2024
Reel 66329, frame 627
Bill Me Later, Inc.eBay Inc.Merger
Feb 1, 2024
Reel 66329, frame 784
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.

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