Term ends Apr 28, 2027 · High confidence
20-year base term ends Nov 17, 2026
Held by Capital One Services, LLC
Filed Mar 23, 2011 as application 13/069,785 · Granted Sep 5, 2017
Base term plus 521 days of patent term adjustment (USPTO delay) · capped by a resolved terminal disclaimer
Today
2006
2027
Clock starts
Nov 17, 2006
Nov 17, 2006
Term ends
Apr 28, 2027
Apr 28, 2027
Granted
Sep 5, 2017
Sep 5, 2017
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
521
Days of term adjustment
Read from the USPTO patent term adjustment record, not recalculated here.
Capped
Terminal disclaimer
Resolved from the filed document, referencing US 7,934,639.
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.
6
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 521 days past its 20-year base term on prosecution delay. A terminal disclaimer resolved from the filed document caps it earlier. 2 of 2 maintenance fees are paid so far. 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 17, 2006, when application 11/561,210, the earliest non-provisional in its chain, was filed (this one was filed Mar 23, 2011) | Nov 17, 2026 | High confidence |
| Continuity chain | Every parent in the chain resolved | no change | High confidence |
| Patent term adjustment | +521 days, USPTO patent term adjustment record | Apr 21, 2028 | High confidence |
| Terminal disclaimer cap | Disclaimer resolved from the filed document (refs US 7,934,639) | capped to Apr 28, 2027 | High confidence |
| Patent term extension | None on file | no change | High confidence |
| Fee events | 2 of 2 maintenance fees paid | In force | High confidence |
| Computed term end | The steps above, in order | Apr 28, 2027 | High confidence |
This family
| US 7,934,639 | In force Apr 2027 | Apr 2027 |
| US 9,754,267 | this patent Apr 2027 | Apr 2027 |
| US 10,223,704 | In force Nov 2026 | Nov 2026 |
| US 10,445,750 | In force Nov 2026 | Nov 2026 |
| US 10,748,160 | In force Nov 2026 | Nov 2026 |
| US 11,449,878 | In force Apr 2027 | Apr 2027 |
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 |
|---|---|---|---|
| Feb 3, 2016 Reel 37651, frame 245 | Chen, Lianghan; Correll, Kevin; Telyaz, Leon; Pivnick, Nicole E. | Capital One Financial Corporation | Assignment of Assignor's Interest |
| Jan 26, 2018 Reel 45166, frame 158 | 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
Apr 2027
Term ends Apr 28, 2027. No further fees fall due before then
Note
The 521 days of patent term adjustment (USPTO delay) are read from the USPTO record, not recalculated by us
Disclaimer cap
This term is capped by a terminal disclaimer resolved from the filed document, referencing US 7,934,639.
Citations
0
later US patents cite this one
That is below the median of utility patents granted in 2017 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.