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 9,412,132 In force
OverviewFamilyAssignmentsSources & methods

Term ends Jan 9, 2027 · Low confidence

Held by PayPal, Inc.
Filed Apr 4, 2014 as application 14/245,964 · Granted Aug 9, 2016
Base term, 20 years from filing
Today
20 years from filing
2007 2027
Clock starts
Jan 9, 2007
Term ends
Jan 9, 2027
Granted
Aug 9, 2016
base term 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
None
Term adjustment
No prosecution delay on this record.
No effect
Terminal disclaimer
Resolved from the filed document, referencing US 8,719,159, to Jan 9, 2027. The term already ends on or before that date, so the cap shortened nothing.
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.
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 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. 2 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.
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 Apr 4, 2014); 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 adjustmentNone on fileno changeHigh confidence
Terminal disclaimer capDisclaimer resolved from the filed document (refs US 8,719,159)resolves to Jan 9, 2027, no earlier than this term, so no changeMedium confidence
Patent term extensionNone on fileno changeHigh confidence
Fee events2 of 2 maintenance fees paidIn forceHigh confidence
Computed term endThe steps above, in orderJan 9, 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 9,412,132this patent
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
Jul 23, 2015
Reel 36171, frame 194
eBay Inc.PayPal, Inc.Assignment of Assignor's Interest
May 3, 2016
Reel 38449, frame 678
Bill Me Later, Inc.eBay Inc.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.

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