Collateral for a security interest recorded Jul 29, 2026 (Barclays Bank PLC).
Term ends May 21, 2035 · Low confidence
20-year base term ends May 21, 2035
Held by Plaid Technologies, Inc.
Filed Oct 4, 2024 as application 18/906,736 · Granted Oct 13, 2026
Base term, 20 years from filing
Today
2015
2035
Clock starts
May 21, 2015
May 21, 2015
Term ends
May 21, 2035
May 21, 2035
Granted
Oct 13, 2026
Oct 13, 2026
base term
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
None
Term adjustment
No prosecution delay on this record.
No effect
Terminal disclaimer
Resolved from the filed document, referencing US 10,319,029, US 11,030,682, US 11,798,072, US 11,922,492, US 12,148,028, US 9,449,346, to May 21, 2035. The term already ends on or before that date, so the cap shortened nothing.
0 of 2
Maintenance fees paid
Two maintenance fees can end this term early, the ones due 3.5 and 7.5 years from grant; the third one's grace period runs past the term end. This counts the ones the record shows paid.
8
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 is its 20-year base term, with no adjustment for prosecution delay. A terminal disclaimer is resolved from the filed document, and it ends no earlier than this term, so it shortens nothing. 0 of 2 maintenance fees are paid so far. 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.
| Step | Input | Date after this step | Confidence |
|---|---|---|---|
| Base term, 20 years from filing | Clock starts May 21, 2015, when application 14/719,110, the earliest non-provisional in its chain, was filed (this one was filed Oct 4, 2024); a parent in its chain could not be resolved (the next row) | May 21, 2035 | High confidence |
| Continuity chain | A parent in the chain could not be resolved | dated from this application's own claim | Medium confidence |
| Patent term adjustment | None on file | no change | High confidence |
| Terminal disclaimer cap | Disclaimer resolved from the filed document (refs US 10,319,029, US 11,030,682, US 11,798,072, US 11,922,492, US 12,148,028, US 9,449,346) | resolves to May 21, 2035, no earlier than this term, so no change | Medium confidence |
| Patent term extension | None on file | no change | High confidence |
| Fee events | 0 of 2 maintenance fees paid | In force | High confidence |
| Computed term end | The steps above, in order | May 21, 2035 | Low confidence |
This family
| Application 14/719,110 | Abandoned not computed | not computed |
| US 9,449,346 | In force May 2035 | May 2035 |
| US 10,319,029 | In force May 2035 | May 2035 |
| US 11,030,682 | In force May 2035 | May 2035 |
| US 11,798,072 | In force May 2035 | May 2035 |
| US 11,922,492 | In force May 2035 | May 2035 |
| US 12,148,028 | In force no later than May 2035 | no later than May 2035 |
| US 12,762,613 | this patent May 2035 | May 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.
| Recorded | Assignor | Assignee | Conveyance |
|---|---|---|---|
| Oct 8, 2024 Reel 68827, frame 392 | Hockey, William; Li, Charles; Perret, Zach | Plaid Technologies, Inc. | Assignment of Assignor's Interest |
| Jul 29, 2026 Reel 76082, frame 108 | Plaid Inc. | Barclays Bank PLC | Security Agreement |
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.
What's changing
May 2035
Term ends May 21, 2035. Maintenance fees still fall due before then
Terminal disclaimer
A terminal disclaimer resolved from the filed document, referencing US 10,319,029, US 11,030,682, US 11,798,072, US 11,922,492, US 12,148,028, US 9,449,346, ends no earlier than this term, so it caps nothing.
Citations
We have no citation count for this patent yet. That is not the same as never having been cited.
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
Computed patent terms end on the dates shown. 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.