Dynamic account selection

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 10346822
APP PUB NO 20150058146A1
SERIAL NO

14466834

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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Embodiments automatically select one of the multiple pre-generated payment cards provisioned on a mobile device. The multiple pre-generated payment cards (real or virtual) may each have a different credit limit. The mobile device may automatically select one of the multiple payment cards based on a transaction value of a transaction that is being conducted. An available credit limit of the selected payment card may be equal to or slightly greater than the transaction value. In some embodiments, the available credit limit of the selected payment card may be closer to the transaction value than the available credit limits of the remaining payment cards. In some embodiments, the different payment cards may be provisioned in a chip-and-pin based smart credit card or mobile wallet.

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Patent Owner(s)

  • VISA INTERNATIONAL SERVICE ASSOCIATION

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Aissi, Selim Menlo Park, US 129 7264
Gaddam, Ajit Sunnyvale, US 45 3126
Prakash, Gyan Foster City, US 200 3739

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Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
7.5 Year Payment $3600.00 $1800.00 $900.00 Jan 9, 2027
11.5 Year Payment $7400.00 $3700.00 $1850.00 Jan 9, 2031
Fee Large entity fee small entity fee micro entity fee
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