Distributed electronic record and transaction history

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 11423475
APP PUB NO 20190295162A1
SERIAL NO

16316958

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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Described herein is a system in which an electronic record is stored on a distributed environment. In this system, a computing entity that receives an action request with respect to an account may receive or generate an electronic identifier for that account. The computing entity may then identify an electronic record comprising a number of interaction records related to the electronic identifier within the distributed environment. The computing entity is then able to request account-specific information directly from an originating entity for each of the interaction records. In some embodiments, the computing entity may separately determine a level of trust to be associated with each originating entity. In some embodiments, the computing entity may determine a risk level to be associated with an action indicated in the action request based on the received account-specific information.

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Patent Owner(s)

Patent OwnerAddress
VISA INTERNATIONAL SERVICE ASSOCIATIONP O BOX 8999 SAN FRANCISCO CA 94128

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Bhatt, Shiv San Francisco, US 6 79
Wang, Quan Foster City, US 221 1849

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Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
3.5 Year Payment $1600.00 $800.00 $400.00 Feb 23, 2026
7.5 Year Payment $3600.00 $1800.00 $900.00 Feb 23, 2030
11.5 Year Payment $7400.00 $3700.00 $1850.00 Feb 23, 2034
Fee Large entity fee small entity fee micro entity fee
Surcharge - 3.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00