Term ends Dec 20, 2039 · High confidence
20-year base term ends Dec 20, 2039
Held by Capital One Services, LLC
Filed Dec 20, 2019 as application 16/723,439 · Granted Jun 1, 2021
Base term, 20 years from filing
Today
2019
2039
Clock starts
Dec 20, 2019
Dec 20, 2019
Term ends
Dec 20, 2039
Dec 20, 2039
Granted
Jun 1, 2021
Jun 1, 2021
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 10,789,600, US 10,891,615, US 11,037,168, US 11,068,903, US 11,080,120, to Dec 20, 2039. The term already ends on or before that date, so the cap shortened nothing.
1 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.
45
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 3 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 Dec 20, 2019, when this application, 16/723,439, was filed | Dec 20, 2039 | 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 10,789,600, US 10,891,615, US 11,037,168, US 11,068,903, US 11,080,120) | resolves to Dec 20, 2039, no earlier than this term, so no change | High confidence |
| Patent term extension | None on file | no change | High confidence |
| Fee events | 1 of 3 maintenance fees paid | In force | High confidence |
| Computed term end | The steps above, in order | Dec 20, 2039 | High confidence |
This family
| US 11,080,120 | In force Dec 2039 | Dec 2039 |
| US 10,891,615 | In force Dec 2039 | Dec 2039 |
| US 10,789,600 | In force Dec 2039 | Dec 2039 |
| US 11,037,168 | In force Dec 2039 | Dec 2039 |
| US 11,023,528 | this patent Dec 2039 | Dec 2039 |
| US 11,068,903 | In force Dec 2039 | Dec 2039 |
| Application PCT/US2020/065979 | PCT application no patent term | no patent term |
| US 11,481,773 | In force Dec 2039 | Dec 2039 |
8 of 45 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.
| Recorded | Assignor | Assignee | Conveyance |
|---|---|---|---|
| Dec 23, 2019 Reel 51359, frame 246 | Lee, Earle Michael; Planck, William | 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
Dec 2039
Term ends Dec 20, 2039. Maintenance fees still fall due before then
Terminal disclaimer
A terminal disclaimer resolved from the filed document, referencing US 10,789,600, US 10,891,615, US 11,037,168, US 11,068,903, US 11,080,120, ends no earlier than this term, so it caps nothing.
Citations
92
later US patents cite this one
That is top 1% of utility patents granted in 2021 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.