Term ended Mar 23, 2022 · High confidence
20-year base term ended Feb 12, 2021
USPTO later recorded it as expired for non-payment on Apr 10, 2023.
Held by Capital One Services, LLC
Filed Oct 22, 2007 as application 11/976,165 · Granted Mar 8, 2011
Base term plus 404 days of patent term adjustment (USPTO delay)
Today
Term ended Mar 23, 2022
2001
2026
Clock starts
Feb 12, 2001
Feb 12, 2001
Term ended
Mar 23, 2022
Mar 23, 2022
Granted
Mar 8, 2011
Mar 8, 2011
base term
patent term adjustment
after the term ends
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
404
Days of term adjustment
Read from the USPTO patent term adjustment record, not recalculated here.
None
Terminal disclaimer
No disclaimer on this record.
2 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.
7
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 404 days past its 20-year base term on prosecution delay. 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.
| Step | Input | Date after this step | Confidence |
|---|---|---|---|
| Base term, 20 years from filing | Clock starts Feb 12, 2001, when application 09/780,468, the earliest non-provisional in its chain, was filed (this one was filed Oct 22, 2007) | Feb 12, 2021 | High confidence |
| Continuity chain | Every parent in the chain resolved | no change | High confidence |
| Patent term adjustment | +404 days, USPTO patent term adjustment record | Mar 23, 2022 | High confidence |
| Terminal disclaimer cap | None on record | no cap applied | High confidence |
| Patent term extension | None on file | no change | High confidence |
| Fee events | 2 of 2 maintenance fees paid | term ended | High confidence |
| USPTO status record | Recorded as expired for non-payment on Apr 10, 2023, after the term ended | no change | High confidence |
| Computed term end | The steps above, in order | Mar 23, 2022 | High confidence |
This family
| US 7,689,502 | In force Nov 2026 | Nov 2026 |
| US 7,788,170 | Term ended Jan 2022 | Jan 2022 |
| US 7,904,384 | this patent Mar 2022 | Mar 2022 |
| US 8,370,255 | Term ended Feb 2021 | Feb 2021 |
| US 8,898,081 | Term ended Feb 2021 | Feb 2021 |
| Application 14/171,631 | Abandoned not computed | not computed |
| Application 15/814,107 | Abandoned not computed | not computed |
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 20, 2015 Reel 36136, frame 536 | Lilly, Joseph D.; Ruh, Colin J.; York, Jeff G.; Walker, Philip G. | Capital One Financial Corporation | Assignment of Assignor's Interest |
| Jan 23, 2018 Reel 45124, frame 622 | Capital One Financial Corporation | Capital One Services, LLC | 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.
Free plan: 3 watched companies. Pro: unlimited.
Alerts on its grants, lapses and transfers.
What's changing
Note
The 404 days of patent term adjustment (USPTO delay) are read from the USPTO record, not recalculated by us
Citations
36
later US patents cite this one
That is top 25% of utility patents granted in 2011 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
Computed patent terms end on the dates shown. Related patents and pending applications may cover overlapping subject matter.