Systems and methods for streamlined purchasing

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United States of America Patent

PATENT NO 8620797
SERIAL NO

11871652

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Abstract

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Systems and methods for streamlined purchasing are described herein. The method may include receiving application to finance an item, approving the application and providing a financial document to the customer which requires no further interaction between the customer and the lending institution. The method may alternately include receiving a pre-approved financial instrument from a merchant, and processing the instrument, where the instrument was presented to the merchant by a customer and executed at the time of purchase without further interaction between the customer and the lending institution.

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Patent Owner(s)

  • UNITED SERVICES AUTOMOBILE ASSOCIATION;UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Graham, Sean Charlotte, US 11 143
Heinsohn, Susan E San Antonio, US 4 24
Hernandez, Matthew Charles San Antonio, US 1 0
Ramirez, Elsa E Pearsall, US 1 0

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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 Jun 30, 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