18 patents currently held
Held is read from USPTO's recorded assignments; a transfer never recorded there does not appear.
The next term ends in Jul 2029. from the record
Free plan: 3 watched companies. Pro: unlimited.
Alerts on its grants, lapses and transfers.
1
Ending by 2030
Jul 2029
Next term end
7
Patent families
When these terms end
Held patents by the year their term ends
notable patents
fee due within 90 days
all others
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
Notable: the highest-ranked patents in this portfolio by citations and family size. Fee due within 90 days: a maintenance fee is due within 90 days of when this page was computed and not yet paid.
Notable patents
Ranked by citations and family size, against patents of the same kind granted the same year. How we rank
Notable
Ends Jun 2032 · High confidence
Also notable
Ends Aug 2035 · Medium confidence
Also notable
Ends Sep 2033 · High confidence
Merchant Portal System with Explanation of Benefits
US 10,068,295
The most cited patent in this portfolio, cited by 36 later US patents, top 10% of utility patents granted in 2018 in our data. Protection runs to 2032. A terminal disclaimer caps this term to an earlier patent's.
System and Method for Virtual Payment Card Fraud Detection
US 11,599,885
Cited by 3 later US patents, top 25% of utility patents granted in 2023 in our data. Protection runs to 2035. A terminal disclaimer caps this term to an earlier patent's.
Dynamic Bin Allocation for Payment Card Transactions
US 8,694,431
The largest patent family in this portfolio, 6 related applications, renewed at 3 of 3 maintenance windows. Protection runs to 2033.
Fee deadlines
Maintenance fees fall due 3.5, 7.5 and 11.5 years after grant. A missed fee ends a patent at the end of the six month grace period that follows, not on the due date.
- 1 fee due Nov 30, 2026The maintenance fee for Intermediary Payment System and Method for Protecting a Payor's Payment Card Data (US 11,663,582) comes due Nov 30, 2026. Unpaid by Jun 1, 2027, it lapses early.
- 1 fee due Feb 25, 2027The maintenance fee for Check View System with Embedded Explanation of Benefits (US 9,117,207) comes due Feb 25, 2027. Unpaid by Aug 25, 2027, it lapses early.
- 1 fee due Apr 15, 2027The maintenance fee for Virtual Payment Card Fraud Detection (US 10,445,735) comes due Apr 15, 2027. Unpaid by Oct 15, 2027, it lapses early.
Recent changes
- 2 of the patents on this record were granted since Aug 16, 2026
What they patent
The 5 largest of its 7 families, grouped by real patent family and labeled by the earliest filing in each. No technology classification is inferred from titles.
| Payment Card Reconciliation by Authorization Code | 4 in force | to Sep 2038 |
| Virtual Payment Card Fraud Detection | 4 in force | to Aug 2035 |
| Integrated Payment and Explanation of Benefits Presentation Method for Healthcare Providers | 4 in force | to Jun 2032 |
| Dynamic Bin Allocation for Payment Card Transactions | 3 in force | to Sep 2033 |
| Medical Benefits Payment System | 1 in force | to Jul 2029 |
Patents held now
Soonest term end first.
| Patent | Title | Status | Expires | Confidence |
|---|---|---|---|---|
| US RE44,748 | Medical Benefits Payment System In force · Low confidence | In force | Low confidence | |
| US 8,249,893 | Automated Service Provider Payment Method In force · High confidence | In force | High confidence | |
| US 8,332,238 | Integrated Payment and Explanation of Benefits Presentation Method for Healthcare Providers In force · High confidence | In force | High confidence | |
| US 9,117,207 | Check View System with Embedded Explanation of Benefits In force · High confidence | In force | High confidence | |
| US 10,068,295 | Merchant Portal System with Explanation of Benefits In force · High confidence | In force | High confidence | |
| US 10,878,511 | Merchant Portal System with Explanation of Benefits In force · High confidence | In force | High confidence | |
| US 8,694,431 | Dynamic Bin Allocation for Payment Card Transactions In force · High confidence | In force | High confidence | |
| US 11,004,063 | Intermediary Payment Method Using Interchange Differential In force · High confidence | In force | High confidence | |
| US 11,663,582 | Intermediary Payment System and Method for Protecting a Payor's Payment Card Data In force · High confidence | In force | High confidence | |
| US 9,799,026 | Direct Payment Method Using Gateway Exception Handling In force · High confidence | In force | High confidence |
Also on record, not counted in the 18: 4 patents ended. List them
Sources and methods
Compiled from USPTO application file histories, grants and recorded assignments, with the company's own names reviewed by hand. How this record was built
Portfolio grouped automatically from ownership conveyances to the names matched to this company, usually every name that begins with its own, so it counts patents an affiliate holds; each list row names the holder of record. Security interests are excluded and ambiguous records are not reviewed by hand.
Fee due within 90 days marks a patent with a maintenance fee due within 90 days of the date this page was computed and not yet recorded paid, so it can end earlier than the bar shows. A fee left unpaid ends the patent at the close of the six month grace period that follows its due date, not on the due date itself. It is not a prediction that the fee will be missed.
Computed patent terms end on the dates shown. Related patents and pending applications may cover overlapping subject matter.