Profile based arrangements and methods for disparate network systems

Number of patents in Portfolio can not be more than 2000

United States of America

PATENT NO 12093906
SERIAL NO

17992620

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Abstract

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Electronic transaction data sets are processed for a multitude of disparate transactions using a plurality of autonomous payment networks. A software-programmed computer circuit receives and processes electronic transaction data to identify and use electronic ID data to retrieve stored profile data. The computer circuit then uses the retrieved profile data to select one of a plurality of payment networks available to each of a buyer and seller involved in the transaction. Electronic payment is carried out using the selected payment networks.

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Patent Owner(s)

Patent OwnerAddress
U S BANK NATIONAL ASSOCIATIONU S BANCORP CENTER 800 NICOLLET MALL MINNEAPOLIS MN 55402

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Dickelman, Mark Inverness, US 32 593

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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 Mar 17, 2028
7.5 Year Payment $3600.00 $1800.00 $900.00 Mar 17, 2032
11.5 Year Payment $7400.00 $3700.00 $1850.00 Mar 17, 2036
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