Payment processing

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United States of America Patent

PATENT NO 12205100
APP PUB NO 20210241256A1
SERIAL NO

17152667

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ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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Apparatuses, methods, computer program products, and systems are disclosed for payment processing. An apparatus includes one or more processors and one or more memories that store code executable by the one or more processors to exchange payment information for a transaction wirelessly between a mobile hardware computing device of a user and a hardware payment terminal for a merchant, to validate an availability of funds for the transaction using an electronic interface for an account for the user at a third-party institution, and to electronically transfer the funds directly from the account for the user to an account for the merchant to complete the transaction.

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Patent Owner(s)

Patent OwnerAddress
MX TECHNOLOGIES INC3401 N THANKSGIVING WAY SUITE 500 LEHI UT 84043

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Caldwell, John Ryan Lehi, US 96 1412

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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 21, 2028
7.5 Year Payment $3600.00 $1800.00 $900.00 Jul 21, 2032
11.5 Year Payment $7400.00 $3700.00 $1850.00 Jul 21, 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