(19)Fresh off Patent
(45) Week of Oct 19, 2026 No. 7 3,667 lapsed 70 listed
No. 7 · USPTO batch of Oct 19, 2026

12 fintech & commerce patents lapsed this week

Selected from 3,667 patents the USPTO recorded as expired for unpaid fees, ranked by opportunity score. The summaries and most of each score are generated by AI.

  1. 1

    User-configurable fraud rules attached to a payment card

    A system that lets an individual cardholder select fraud-detection rules that are stored in a database and applied to transactions made with their payment card. The rules include at...

    Fintech & commerce US 7,578,438 expired Oct 21, 2026full term
    86score / 100
    demand
    easy to make
    novelty
    clear
  2. 2

    Compute hedge notional that nulls PCA curve exposures and minimizes key-rate exposures

    Method to analyze and hedge interest-rate exposure of a bond or portfolio by (1) identifying N significant yield-curve constituent exposures (for example from PCA or factor analysis) and...

    Fintech & commerce US 7,596,524 expired Oct 21, 2026full term
    82score / 100
    demand
    easy to make
    novelty
    clear
  3. 3

    Encoded-profile targeting from a personal network to external ad sources

    A system that monitors activity across devices in a personal (home/edge) network to build user profiles, maps profiles to heuristic profiles, encodes the profile as parameterized data,...

    Fintech & commerce US 10,075,555 lapsed Sep 11, 20267.5-yr fee missed
    77score / 100
    demand
    easy to make
    novelty
    clear
  4. 4

    Meta-network that aggregates and propagates relationships across multiple social/business networks

    A system that registers users and their network affiliations in a central meta-network, detects when a user has a relationship with someone in one registered network but not in another,...

    Fintech & commerce US 10,075,407 lapsed Sep 11, 20267.5-yr fee missed
    75score / 100
    demand
    easy to make
    novelty
    clear
  5. 5

    Asynchronous ad selection and personalization for downloaded media

    System for selecting, filtering and personalizing media ads for podcast-style content by using metadata and a periodically updated user profile. An ad server receives feed or content...

    Fintech & commerce US 10,410,248 expires Oct 25, 2026full term
    73score / 100
    demand
    easy to make
    novelty
    clear
  6. 6

    System, apparatus and methods for automatically calculating discounts for purchases... Pro

    Write-up, demand check and manufacturing notes available with Pro.

    Fintech & commerce US 8,833,645 lapsed Sep 16, 202611.5-yr fee missed
    ··score / 100
  7. 7

    Payment service authentication for a transaction using a generated dynamic verification value Pro

    Write-up, demand check and manufacturing notes available with Pro.

    Fintech & commerce US 11,443,321 lapsed Sep 13, 20263.5-yr fee missed
    ··score / 100
  8. 8

    Systems and methods for managing and facilitating secure package delivery Pro

    Write-up, demand check and manufacturing notes available with Pro.

    Fintech & commerce US 10,074,064 lapsed Sep 11, 20267.5-yr fee missed
    ··score / 100
4 more patents this week. Pro includes every patent on the list in full, with demand checks, filters and CSV export. Upgrade