Automatic optimal payment type determination systems

Number of patents in Portfolio can not be more than 2000

United States of America

PATENT NO 12147965
APP PUB NO 20220101297A1
SERIAL NO

17549976

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Importance

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Abstract

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A system for providing a payment includes a processor and a memory configured to cause the system to receive a payment request representative of a payment amount, a payor identification, and a payee identification. The system includes means for determining payor cash holdings and payor available credit as well as authenticating the validity of a payment request and identity of the payor via received biometric data from a payor device. The system may further receive data representative of payee approved payment methods and determine a payment composition based on the payment amount, payor payment preferences, payor cash holdings and payor available credit. Based on the payee approved payment methods, the system may determine one or more payment types. The system may convey the payment amount to the payee in the form of one or more payment types and may fund the payment amount according to the payment composition.

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Patent Owner(s)

Patent OwnerAddress
CAPITAL ONE SERVICES LLC1680 CAPITAL ONE DRIVE MCLEAN VA 22102

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Alkisswani, Fouad New York, US 2 7
Cohn, Andrew Bethesda, US 2 7
Dau, Kylen Maidens, US 2 7
Dutt, Rajsaday Vienna, US 10 230
Elliott, Richard Glen Allen, US 23 271
Jabif, Epsztejn Marcelo Reston, US 2 7
Schultz, Katelyn New York, US 2 7

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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 19, 2028
7.5 Year Payment $3600.00 $1800.00 $900.00 May 19, 2032
11.5 Year Payment $7400.00 $3700.00 $1850.00 May 19, 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