Term ends Nov 17, 2026 · High confidence
20-year base term ends Nov 17, 2026
Held by Capital One Services, LLC
Filed Dec 19, 2018 as application 16/225,319 · Granted Oct 15, 2019
Base term, 20 years from filing
Today
2006
2026
Clock starts
Nov 17, 2006
Nov 17, 2006
Term ends
Nov 17, 2026
Nov 17, 2026
Granted
Oct 15, 2019
Oct 15, 2019
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 10,223,704, to Nov 17, 2026. The term already ends on or before that date, so the cap shortened nothing.
1 of 1
Maintenance fees paid
One maintenance fee can end this term early, the one due 3.5 years from grant; the next one's grace period runs past the term end. This counts it if the record shows it 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 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. 1 of 1 maintenance fees is 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 Dec 19, 2018) | Nov 17, 2026 | High confidence |
| Continuity chain | Every parent in the chain resolved | no change | High confidence |
| Patent term adjustment | None on file | no change | High confidence |
| Terminal disclaimer cap | Disclaimer resolved from the filed document (refs US 10,223,704) | resolves to Nov 17, 2026, no earlier than this term, so no change | High confidence |
| Patent term extension | None on file | no change | High confidence |
| Fee events | 1 of 1 maintenance fees paid | In force | High confidence |
| Computed term end | The steps above, in order | Nov 17, 2026 | High confidence |
This family
| US 7,934,639 | In force Apr 2027 | Apr 2027 |
| US 9,754,267 | In force Apr 2027 | Apr 2027 |
| US 10,223,704 | In force Nov 2026 | Nov 2026 |
| US 10,445,750 | this patent 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 |
|---|---|---|---|
| Jan 16, 2019 Reel 48031, frame 227 | Chen, Lianghan; Correll, Kevin; Telyaz, Leon; Pivnick, Nicole E. | Capital One Financial Corporation | Assignment of Assignor's Interest |
| Jan 16, 2019 Reel 48078, frame 792 | 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.
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Alerts on its grants, lapses and transfers.
What's changing
Nov 2026
Term ends Nov 17, 2026. No further fees fall due before then
Terminal disclaimer
A terminal disclaimer resolved from the filed document, referencing US 10,223,704, ends no earlier than this term, so it caps nothing.
Citations
2
later US patents cite this one
That is below the median of utility patents granted in 2019 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.