Handling an online group payment

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 11823144
APP PUB NO 20200279234A1
SERIAL NO

16288994

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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A method, computer system, and a computer program product for an online group payment is provided. The present invention may include registering a first party using a virtual account service and initiating a joint deal with a merchant. The present invention may include publishing the joint deal. The present invention may include subscribing a second party to the joint deal. The present invention may include invoking a transfer of an approved fund from a second party account to a virtual account service account. The present invention may include in response to meeting a first threshold, executing the joint deal, wherein the executed joint deal includes, executing a merchant payment associated with the joint deal. The present invention may include in response to a cancelation of the joint deal, automatically rescinding the payment authorization from the second party.

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Patent Owner(s)

Patent OwnerAddress
INTERNATIONAL BUSINESS MACHINES CORPORATIONNEW ORCHARD ROAD ARMONK NY 10504

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Mild, Wilhelm Boeblingen, DE 8 90
Nauerz, Andreas Stuttgart, DE 59 974
Parameshwaran, Pradeep Boeblingen, DE 12 27
Zhang, Wenjia Boeblingen, DE 13 37

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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 May 21, 2027
7.5 Year Payment $3600.00 $1800.00 $900.00 May 21, 2031
11.5 Year Payment $7400.00 $3700.00 $1850.00 May 21, 2035
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