Payment milestones for improved financial health

Number of patents in Portfolio can not be more than 2000

United States of America

PATENT NO 12190309
APP PUB NO 20230394464A1
SERIAL NO

18234984

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ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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The disclosed technology provides enhanced financial statements such as credit statements that provide customized payment options to a customer that takes into account the total amount owed by the customer, and past payments made by the customer. The customized payment options are determined with the goal of providing more payment options that encourage financial health, while not overwhelming the customer with too many options or irrelevant options. The customized payment options can be displayed in an interactive user interface for paying a credit statement that can visually inform a user of the benefit of the respective payment options with respect to the impact of the respective payment option on the customer's financial health—at least as it pertains to a credit account for which the statement was issued.

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First Claim

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Patent Owner(s)

  • APPLE INC.

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Artemiw, Michael San Jose, US 8 65
Fisher, Jarad M Los Angeles, US 14 83
Franco, Christine A Menlo Park, US 6 48
Haggerty, David T San Francisco, US 60 1974
Heard, Richard W San Francisco, US 21 141
Kakarla, Rima Mountain View, US 7 37
McIndoe, Katie M San Jose, US 6 40
McLachlan, Mischa K San Francisco, US 9 86
Melim, Aaron M San Francisco, US 7 51
Nagre, Ashish C Sunnyvale, US 13 82
Obeid, Fadi S Santa Clara, US 7 37
Steele, Glen W San Jose, US 53 2053
Suresh, Akila San Jose, US 17 121

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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 Jul 7, 2028
7.5 Year Payment $3600.00 $1800.00 $900.00 Jul 7, 2032
11.5 Year Payment $7400.00 $3700.00 $1850.00 Jul 7, 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