Extensions

To provide the most accurate details regarding US Patent 8862508's patent term adjustments (PTA), patent term extensions (PTE), continuation/divisional applications, related family members, and projected expiration date, a direct search of the USPTO's Patent Center is ideal. However, based on the provided authoritative patent text and search snippets, here's what can be gathered:

Patent Term Adjustments (PTA)

Patent Term Adjustment (PTA) can add time to a patent's term to compensate for certain delays by the USPTO during prosecution. This includes delays such as not issuing a first office action within 14 months, not responding to an applicant's reply within four months, or not issuing the patent within four months of the issue fee payment. It also accounts for applications pending for more than three years, with certain exclusions for applicant-caused delays. The USPTO automatically calculates the PTA and provides this determination at or before the patent's issuance.

The Google Patents record for US8862508B2 states "Adjusted expiration: 2028-08-02". This indicates that Patent Term Adjustment (PTA) has been applied to the patent, extending its term. The specific details of how this PTA was calculated (e.g., A, B, or C delays, or applicant delays that reduced the adjustment) are not immediately available in the provided text, but the fact of an adjustment is confirmed by the adjusted expiration date.

Patent Term Extensions (PTE)

Patent Term Extensions (PTE) are available for patents claiming certain products (e.g., human drug products, medical devices, animal drug products, food or color additive products) to compensate for time lost during regulatory review by agencies like the FDA. The patent US8862508 relates to "System and method for unifying e-banking touch points and providing personalized financial services". This subject matter does not fall under the categories eligible for PTE (e.g., human drug products, medical devices). Therefore, it is highly unlikely that US Patent 8862508 has received any Patent Term Extension (PTE).

Continuation Applications, Divisional Applications, and Related Family Members

The patent states, "This application claims the benefit of U.S. Provisional Patent Application No. 60/736,248, filed Nov. 14, 2005, which is hereby incorporated by reference in its entirety". This provisional application is a priority document for US8862508.

The Google Patents record lists "US20070265948A1" as another version of the patent, published on 2007-11-15, which is an application publication related to US8862508B2. This is a common occurrence where a patent application is published (as an A1 document) before the patent is granted (as a B2 document).

The family information provided indicates that US8862508B2 is part of "Family ID=38701482" and the only "Family Application" listed is US11/559,894, which corresponds to US8862508B2 itself (Application number US11/559,894).

The available information does not explicitly mention any continuation or divisional applications directly stemming from US8862508B2. Continuation applications allow for pursuing additional claims from the same specification and drawings of a parent application, while divisional applications are used when a restriction requirement is made by the USPTO, identifying multiple distinct inventions within a single application. To definitively confirm the absence or presence of such applications, a direct search in the USPTO Patent Center for the application number US11/559,894 would be necessary.

Projected Expiration Date

A U.S. utility patent filed on or after June 8, 1995, generally expires 20 years from the earliest filing date of the patent, with adjustments for PTA or PTE. The filing date of US8862508 is November 14, 2006. However, it claims priority to U.S. Provisional Patent Application No. 60/736,248, filed November 14, 2005. Therefore, the 20-year term would typically be calculated from the earliest priority date, November 14, 2005.

Without any adjustments, the patent would expire on November 14, 2025. However, the Google Patents record indicates an "Adjusted expiration" date of 2028-08-02. This adjusted expiration date already accounts for any Patent Term Adjustment (PTA) granted to the patent.

Therefore, the projected expiration date for US Patent 8862508 is August 2, 2028.