Disparate network systems and methods

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 9367839
APP PUB NO 20090144163A1
SERIAL NO

12323087

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Abstract

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Electronic transaction data and/or electronic payment data therefor is routed to disparate payment networks for a multitude of transactions. A software-programmed computer type circuit receives and processes point-of-sale transaction data to select two disparate payment networks for processing electronic payment for the transaction data. Transaction and/or payment data is routed to each of the disparate payment networks, to respectively debit and credit payment accounts, to provide payment to a seller on behalf of a buyer involved in the transaction.

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Patent Owner(s)

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

International Classification(s)

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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
11.5 Year Payment $7400.00 $3700.00 $1850.00 Dec 14, 2027
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