Credit and transaction systems

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 8706631
APP PUB NO 20080281726A1
SERIAL NO

12053447

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ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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An Internet-coupled transaction service has a link to a computer appliance coupled to a merchant site, the computer appliance operated by a person who has selected one or more products or services to purchase at the merchant site, and who has selected, through the merchant site, the transaction service to arrange payment, and software executing from a computer-readable medium accessible to the service. The transaction service, via the software verifies the identity of the person, determines a credit worthiness for the person, and the score being sufficient, arranges payment to be made to the merchant on behalf of the person, and arranges repayment terms with the person for the payment to the merchant.

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Patent Owner(s)

Patent OwnerAddress
INTELLECTUAL ADVANCE INC#3 HANGAR WAY SUITE D WATSONVILLE CA 95076

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Gupta, Pankaj Redwood City, US 182 2373

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Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
11.5 Year Payment $7400.00 $3700.00 $1850.00 Oct 22, 2025
Fee Large entity fee small entity fee micro entity fee
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