G06Q 20/22
Payment schemes or models
G06Q20/22 (Payment schemes or models) appears on 6,524 US grants and 10,419 published applications in this corpus.
Search patents in G06Q- Granted patents
- 6,524
- Published applications
- 10,419
- Assignees
- 2,424
- Inventors
- 14,935
- Latest grant
- 6 Oct 2026
Filings by year
| Year | Granted patents | Published applications |
|---|---|---|
| 1984 | 2 | 0 |
| 1985 | 2 | 0 |
| 1986 | 2 | 0 |
| 1987 | 2 | 0 |
| 1988 | 7 | 0 |
| 1989 | 7 | 0 |
| 1990 | 6 | 0 |
| 1991 | 3 | 0 |
| 1992 | 3 | 0 |
| 1993 | 9 | 0 |
| 1994 | 8 | 0 |
| 1995 | 12 | 0 |
| 1996 | 13 | 0 |
| 1997 | 21 | 0 |
| 1998 | 35 | 0 |
| 1999 | 67 | 0 |
| 2000 | 57 | 0 |
| 2001 | 42 | 55 |
| 2002 | 60 | 180 |
| 2003 | 39 | 173 |
| 2004 | 52 | 201 |
| 2005 | 52 | 184 |
| 2006 | 101 | 220 |
| 2007 | 88 | 253 |
| 2008 | 98 | 274 |
| 2009 | 107 | 263 |
| 2010 | 172 | 248 |
| 2011 | 173 | 251 |
| 2012 | 226 | 295 |
| 2013 | 274 | 429 |
| 2014 | 316 | 598 |
| 2015 | 183 | 576 |
| 2016 | 182 | 477 |
| 2017 | 260 | 462 |
| 2018 | 264 | 452 |
| 2019 | 353 | 675 |
| 2020 | 440 | 754 |
| 2021 | 541 | 739 |
| 2022 | 549 | 627 |
| 2023 | 559 | 658 |
| 2024 | 519 | 596 |
| 2025 | 404 | 481 |
| 2026 | 214 | 298 |
By publication year. Applications have been published since 2001. 2026 runs to 8 Oct.
Subgroups
Granted patents
- G06Q 20/24Credit schemes, i.e. "pay after"1,643
- G06Q 20/227Characterised in that multiple accounts are available1,510
- G06Q 20/223Based on the use of peer-to-peer networks1,208
- G06Q 20/28Pre-payment schemes1,153
- G06Q 20/26Debit schemes473
- G06Q 20/229Hierarchy of users of accounts441
- G06Q 20/29Characterised by micropayments392
Recent patents
- Decentralized network with near instantaneous terminal transfers6 Oct 2026US 12,755,260 B2NCR Atleos Corporation
- System, method, and computer program product for operating a group transaction network6 Oct 2026US 12,755,263 B2Visa International Service Association
- Dynamically mapping payment card tokenization utilizing predicted transaction characteristics6 Oct 2026US 12,755,289 B2Marqeta, Inc.
- Gaming cashless open banking web integration6 Oct 2026US 12,755,606 B2LNW Gaming, Inc.
- Method and system for building and managing dynamic rate cards for use with cloud service subscriptions29 Sep 2026US 12,749,032 B2Oracle International Corporation
- System, Method, and Computer Program Product for Transferring Assets with a Virtual Account8 Oct 2026US 2026/0311158 A1Visa International Service Association
- Chat-based transaction automation system8 Oct 2026US 2026/0311166 A1Expensify, Inc.
- Intelligently routing funds from external account to different gaming establishment accounts8 Oct 2026US 2026/0311553 A1Igt
- Establishing a casino line of credit based on cryptocurrency held in a casino controlled custodian account8 Oct 2026US 2026/0311559 A1Igt
- Electronic wallet and accomodation of transaction limits with a central bank digital currency1 Oct 2026US 2026/0300961 A1American Express Travel Related Services Company, Inc.
Most cited
By later US patents
- Systems and methods for secure transaction management and electronic rights protection3,563US 5,892,900 AIntertrust Technologies Corporation · 1999
- Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers2,225US 5,794,207 AWalker Asset Management Limited Partnership · 1998
- Network sales system1,695US 5,715,314 AOpen Market, Inc. · 1998
- Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions1,428US 5,590,038 A1996
- Systems and methods for secure transaction management and electronic rights protection1,270US 5,982,891 AIntertrust Technologies Corporation · 1999