Conducting commerce between individuals

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 9665863
APP PUB NO 20120203654A1
SERIAL NO

13450298

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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Receiving payment includes the establishment, at a first server, a transaction record including information identifying a payment amount, a first account to be credited by the payment amount, and a second account to be debited by a debit amount. A financial authorization network performs an authorization analysis on at least the second account. The second account is debited if the authorization analysis is successfully completed, and the first account is directly credited by the payment amount to conclude the transaction. Risk analysis may be performed for each individual. Payment is integrated with shipping.

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First Claim

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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
Matsuda, Paul Mill Valley, US 3 44
Perry, Sara E Mill Valley, US 2 30
Wilk, Tracy L San Mateo, US 8 371

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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 Nov 30, 2024
11.5 Year Payment $7400.00 $3700.00 $1850.00 Nov 30, 2028
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