Prior art

To identify the most relevant prior art for US patent 11315090, I will access the USPTO patent database. The USPTO provides a Patent Public Search tool for this purpose. I will look at the "Cited By" or "Prior Art Of" section of the patent's information, as this indicates documents considered relevant by the patent examiner or applicant during prosecution.

Based on the information available directly from the patent text, the following prior art documents are explicitly mentioned as having their contents incorporated by reference, indicating their relevance to the invention:

• U.S. patent application Ser. No. 15/678,453

  • Full Citation: U.S. patent application Ser. No. 15/678,453, filed August 16, 2017, and entitled "SYSTEM AND METHOD FOR AUTOMATED OPTIMIZATION OF FINANCIAL ASSETS."
  • Publication/Filing Date: Filed August 16, 2017.
  • Brief Description: This is a continuation of an earlier application and is directly related to the current patent's subject matter of automated optimization of financial assets. It broadly describes systems, product programs, and methods for managing multiple financial asset accounts, determining optimal allocation, and automated transfers without ongoing user intervention.
  • Potential Anticipation (35 U.S.C. § 102): This application is part of the patent family and is incorporated by reference, suggesting it contains overlapping subject matter with the claims of US11315090. As such, it would likely anticipate many aspects of the current patent, particularly the fundamental concepts of automated financial asset optimization and transfer between accounts.

• U.S. patent application Ser. No. 14/606,931

  • Full Citation: U.S. patent application Ser. No. 14/606,931, filed January 27, 2015, bearing the same title as US11315090.
  • Publication/Filing Date: Filed January 27, 2015.
  • Brief Description: This application is also part of the patent family and claims priority from a provisional application. It covers the core subject matter of a system and method for automated optimization of financial assets.
  • Potential Anticipation (35 U.S.C. § 102): Similar to the '453 application, this forms part of the priority chain and would likely anticipate many, if not all, of the independent claims (1, 12, 14, 18) of US11315090, as it details the core inventive concepts of automated financial asset management and optimization.

• U.S. Provisional Application Ser. No. 61/932,495

  • Full Citation: U.S. Provisional Application Ser. No. 61/932,495, filed on January 28, 2014, bearing the same title as US11315090.
  • Publication/Filing Date: Filed January 28, 2014.
  • Brief Description: This is the earliest priority document in the chain, establishing the initial disclosure of the invention's concepts related to automated optimization of financial assets.
  • Potential Anticipation (35 U.S.C. § 102): As the earliest filing in the family, this provisional application would serve as prior art for any claims in US11315090 that are not supported by the provisional application's disclosure. However, if the claims are fully supported by the provisional, it would establish the priority date for those claims, protecting them from intervening prior art. It would likely anticipate the core inventive concepts found in the independent claims (1, 12, 14, 18) if adequately described in the provisional.

It is important to note that these are all part of the same patent family, meaning they represent earlier stages of the same invention. While they are "prior art" in a technical sense for certain purposes (e.g., establishing priority), they are not prior art from other inventors that would typically be used to challenge novelty under 35 U.S.C. § 102 in an examination or litigation setting. Instead, their importance here is in establishing the priority date and the evolution of the claimed invention.

To identify prior art cited against US patent 11315090 by an examiner or third parties (e.g., in the "References Cited" section of the patent), a direct search within the USPTO database for the patent would be required. The provided patent text does not list these specific citations.