about the patent 1) it holds little to no value IMO if you read...

about the patent 1) it holds little to no value IMO if you read the patent, not all patents hold value so don't get too carried away (caveat to this is IF Visa and/or MC do a deal with SPT read down further for explanation) 2) I don't believe a patent to take funds from a credit card in installments to stop interest is patentable without a high challenge (to defend it would be tough IMO) , by virtue let's say Visa and or mastercard allows the merchant (any merchant) to put a hold over the customers card for the full amount, then take part payments (installments) on that card (themselves in-house), or Visa and MC do it for them, take the payment in installments no big deal, it's really not novel or new and I doubt there is no prior art to this, and even if there wasn't, Visa and MC can just make the decision to allow all merchants to do the same with some underlying code.

yes one could argue that that code I speak of is actually the patent held by SPT, good luck going up against MC and Visa, SPT need MC and Visa more than they need SPT, hence the conundrum here.

That all being said, IF SPT could get Visa and MC onboard to ONLY allow SPT to use the option and code to take payments in installments (no one else) then that's a different kettle of fish, and IMO highly valuable.

So that all being said, SPT need to cut a deal with Visa and MC and they then could be huge, if not they can be cutout by both MC and Visa easily if need be.

just my thoughts.