Prior art

To identify the most relevant prior art for US patent 11087307, I need to access the patent's full text, specifically the "References Cited" section, which is typically found within the patent document itself. The provided patent text from Google Patents is authoritative and should contain this information. I will look for the "U.S. Patent Documents" and "Other Publications" sections within the patent to extract the prior art.

Based on the provided full patent text for US11087307B2, here's the relevant prior art information:

The patent lists the following U.S. Patent Application Publications in its "Background of the Invention" section, indicating they are considered prior art. These are the only specific prior art references explicitly mentioned and described within the provided text.

1. U.S. patent application No. 20090068982 to Chen et al.

   • Full Citation: U.S. patent application No. 20090068982 to Chen et al.
   • Publication/Filing Date: Publication date is 20090068982. The filing date is not explicitly stated in the provided text.
   • Brief Description: Generally describes a system or method for facilitating the securing of a wireless digital transaction. It involves a terminal component receiving payment data, a mobile device with a mobile payment card (m-card) linked to an account, and the mobile device using public-key cryptography (PKC) to securely and wirelessly transmit payment to the terminal component.
   • Potential Anticipation (35 U.S.C. § 102): The patent itself uses this reference to highlight what existing solutions do not provide (e.g., dispensing with the use of cash). Therefore, it likely anticipates aspects of secure wireless digital transactions and mobile payment cards, but the '307 patent aims to differentiate itself by addressing the "use of cash" hurdle. Without the claims, it's difficult to pinpoint exact anticipation, but it serves as background for the broad concept of secure mobile financial transactions.

2. U.S. patent application No. 20080010191 to Rackley III et al.

   • Full Citation: U.S. patent application No. 20080010191 to Rackley III et al.
   • Publication/Filing Date: Publication date is 20080010191. The filing date is not explicitly stated in the provided text.
   • Brief Description: Generally describes methods and systems for providing a financial payment to a payee utilizing a mobile device or a wireless connected personal digital assistant (PDA). The user inputs payee, payment source, and payment method information into the mobile device, which then generates and wirelessly communicates a mobile payment instruction to a mobile financial transaction system (MFTS). The MFTS generates an MFTS payment instruction to a payment instruction recipient, who then effects payment to the identified payee without required action by the payee.
   • Potential Anticipation (35 U.S.C. § 102): Similar to the Chen et al. reference, this patent is used to contextualize the prior art related to electronic payments using mobile devices. It potentially anticipates systems and methods for initiating financial payments via mobile devices and instructing a financial system to effect a payment. The '307 patent aims to go beyond these electronic payments to address cash transactions and commodities. Without the claims, specific anticipation is hard to determine, but it covers the general area of mobile-initiated financial transactions.

The patent explicitly states, "While the solutions that are proposed in the foregoing two patent applications address electronic payments, they do not dispense with the use of cash." This statement is crucial as it highlights the claimed novelty of US11087307: providing a platform that handles cash and commodities, going beyond purely electronic transactions.

Therefore, while these two references are explicitly cited as prior art, the '307 patent attempts to distinguish itself by addressing the limitations they present regarding the full "electronic wallet" experience, particularly with cash and commodities.