Term ends Dec 27, 2033 · High confidence

Computed 20-year base term

Held by Capital One Financial Corporation

Filed Nov 3, 2003 as application 10/700,686 · Granted Dec 31, 2013

Base term plus 3707 days of patent term adjustment (USPTO delay)

Today

20 years from filing

Term ends Dec 27, 2033

2003 2033

Clock starts
Nov 3, 2003

Term ends
Dec 27, 2033

Granted
Dec 31, 2013

base term patent term adjustment 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

3,707

Days of term adjustment

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

None

Terminal disclaimer

No disclaimer on this record.

3 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.

This patent's term runs 3707 days past its 20-year base term on prosecution delay. All three maintenance fees are recorded paid; no more fees are due. 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 Nov 3, 2003, when this application, 10/700,686, was filed	Nov 3, 2023	High confidence
Continuity chain	Every parent in the chain resolved	no change	High confidence
Patent term adjustment	+3707 days, USPTO patent term adjustment record	Dec 27, 2033	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	3 of 3 maintenance fees paid	In force	High confidence
Computed term end	The steps above, in order	Dec 27, 2033	High confidence

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
Dec 29, 2003 Reel 14839, frame 173	Nelms, David W.	Discover Financial Services	Assignment of Assignor's Interest
May 10, 2006 Reel 17596, frame 284	Discover Financial Services, Inc.	Discover Financial Services LLC	Change of Name
Jan 7, 2010 Reel 23741, frame 637	Discover Financial Services LLC	DFS Services LLC	Change of Name
Apr 6, 2022 Reel 59645, frame 56	Nelms, David W.	Discover Financial Services, Inc.	Corrective Assignment to Correct the Receiving Party Data Name Previously Recorded at Reel: 014839 Frame: 0173. Assignor(S) Hereby Confirms the Assignment.
Jul 2, 2025 Reel 71784, frame 903	Discover Financial Services	Capital One Financial Corporation	Merger

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

Dec 2033

Term ends Dec 27, 2033. No further fees fall due before then

Note

The 3707 days of patent term adjustment (USPTO delay) are read from the USPTO record, not recalculated by us

Citations

later US patents cite this one

That is top 10% of utility patents granted in 2013 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.

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

Inverted Tier Rebate System