Patents
US 12770132 B1: Payment splitting
- Granted
- 2026-10-20
- Filed
- 2024-10-10 application 18911527
- Type
- Utility · 20 claims
- Elsewhere
- Google Patents ↗ · USPTO patent document ↗ · USPTO Patent Center record ↗
Abstract
The described payment splitting technology can enable a person to split a cost of a product over a number of payments. For example, mobile device can receive a code for a product, receive an indication via the display of the mobile device that a person wants to split the cost of the product, and send a payment split indicator to a point of sale (POS) device. The POS device can scan the product, determine a cost for the product, receive the payment spilt indicator, and send the cost and the payment split indicator to a server where the transaction for the product can be authorized and the splitting of the payment can be approved.
Source: PTBLXML, file of 2026-10-20 (ipgb20261020.xml).
Assignees
| Assignee | Type | Place | Also on furp.org | Source |
|---|---|---|---|---|
| United Services Automobile Association (USAA) 3,269 patents | US company or organization | San Antonio, TX | PTBLXML, file of 2026-10-20 |
Inventors
| Inventor | Place | Patents | Person page | Source |
|---|---|---|---|---|
| Charise Renee Whitaker | San Antonio, TX | 11 | PTBLXML, file of 2026-10-20 | |
| Michael J. Maciolek | Boerne, TX | 88 | PTBLXML, file of 2026-10-20 |
CPC categories
| Subclass | Category | First group | Source |
|---|---|---|---|
| G06Q | Information and communication technology [ict] specially adapted for administrative, commercial, financial, managerial or supervisory purposes; systems or methods specially adapted for administrative, commercial, financial, managerial or supervisory purposes, not otherwise provided for | G06Q20/3276 | PTBLXML, file of 2026-10-20 |
| G06K | Graphical data reading ; presentation of data; record carriers; handling record carriers | G06K7/1413 | PTBLXML, file of 2026-10-20 |
Cooperative Patent Classification, as currently assigned (one row per subclass).
Assignments and security interests
| Recorded | What | From | To | Reel/frame | Source |
|---|---|---|---|---|---|
| 2024-10-16 | Assignment Assignment of assignor's interest | UIPCO, LLC signed 2024-09-06 | UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA) SAN ANTONIO, TX | 68919/143 | PASDL, file of 2026-10-23 |
| 2024-10-16 | Assignment Assignment of assignor's interest | WHITAKER, CHARISE RENEE signed 2020-11-23 MACIOLEK, MICHAEL J. signed 2020-11-20 | UIPCO, LLC SAN ANTONIO, TX | 68919/68 | PASDL, file of 2026-10-23 |
Documents recorded with the USPTO Assignment Recordation Branch that list this patent. A security interest is a lender’s claim on the patent as collateral; a release ends it.
USPTO bulk data: PatentsView granted patents, disambiguated (PVGPATDIS) for patents, assignees, inventors, places and CPC categories; the USPTO Patent Assignment Dataset (ECORSEXC) for assignments and security interests. Patents filed in the last 20 years. No claims or full text. Links to other records are by name (and state): EXACT means the identical full name and state; FUZZY means a looser name match, with the confidence shown.