Prior art

To identify the most relevant prior art for US patent 12014347, I need to consult the patent's own cited references. The provided patent text includes a "CROSS-REFERENCE TO RELATED APPLICATIONS" section, which lists several patents and patent applications that are directly related to and cited by US12014347B2. The description also mentions prior art examples in the "BACKGROUND OF THE INVENTION" section.

Here's an analysis of the prior art explicitly cited within US12014347B2:

I. Direct Parent Applications and Issued Patents:

The present application (US12014347B2) is a continuation of a series of applications. These are critical as they often share substantial common subject matter and priority dates.

• US Patent No. 8,554,671 B2

  • Full Citation: U.S. Pat. No. 8,554,671, titled "System and Associated Method and Service for Providing a Platform that Allows for the Exchange of Cash Between Members in a Mobile Environment."
  • Publication/Filing Date: The present application claims priority from U.S. patent application Ser. No. 13/185,432, filed Jul. 18, 2011, which matured into U.S. Pat. No. 8,554,671. Therefore, its effective filing date is July 18, 2011.
  • Brief Description: This patent describes a system and method for exchanging cash between members in a mobile environment. It's described as providing a platform for users to transfer, receive, or otherwise exchange cash in various international denominations and commodities in a mobile telecommunications environment. The present patent explicitly states it "includes the same subject matter as U.S. patent application Ser. No. 13/185,432, and is effectively a continuation thereof."
  • Potential Anticipation (35 U.S.C. § 102): Given that US12014347B2 is a continuation of the application leading to US8554671B2 and claims to include the "same subject matter," US8554671B2 would likely anticipate many, if not all, of the claims of US12014347B2, particularly those related to the core system and method of exchanging cash in a mobile environment. This is a very strong prior art reference for the exact subject matter it covers.

• US Patent No. 10,733,593 B2

  • Full Citation: U.S. Pat. No. 10,733,593, titled "Kit, System and Associated Method and Service for Providing a Platform to Prevent Fraudulent Financial Transactions."
  • Publication/Filing Date: The present application claims priority from U.S. patent application Ser. No. 15/786,470, filed Oct. 17, 2017, which matured into U.S. Pat. No. 10,733,593. Therefore, its effective filing date is October 17, 2017.
  • Brief Description: This patent shares a very similar title with US12014347B2, focusing on a kit, system, method, and service for providing a platform to prevent fraudulent financial transactions. It is a direct parent in the continuation chain.
  • Potential Anticipation (35 U.S.C. § 102): As a direct continuation, this patent is highly likely to anticipate many, if not all, claims of US12014347B2, especially those related to the fraud prevention aspects and the overall platform functionality, to the extent that the claims in US12014347B2 cover subject matter present in US10733593B2.

• US Patent Application Publication No. 2015/0227913 A1

  • Full Citation: U.S. Patent Application Publication No. 2015/0227913 A1, titled "Kit, System and Associated Method and Service for Providing a Platform to Prevent Fraudulent Financial Transactions."
  • Publication/Filing Date: The present application claims priority from U.S. patent application Ser. No. 14/691,499, filed Apr. 20, 2015, which was published as US20150227913A1. Therefore, its effective filing date is April 20, 2015.
  • Brief Description: This published application also shares a very similar title, indicating it covers a system, method, and service for a platform to prevent fraudulent financial transactions. It is also a direct parent in the continuation chain.
  • Potential Anticipation (35 U.S.C. § 102): Given its position in the continuation chain and similar title, US20150227913A1 is highly likely to anticipate many claims of US12014347B2 for the same reasons as US10733593B2.

• US Patent Application Publication No. 2022/0180347 A1

  • Full Citation: U.S. Patent Application Publication No. 2022/0180347 A1, titled "Kit, system and associated method and service for providing a platform to prevent fraudulent financial transactions."
  • Publication/Filing Date: This is listed as another version of US12014347B2, with a publication date of 2022-06-09. This is a publication of the same application (US17/398,789) that matured into US12014347B2.
  • Brief Description: This is a publication of the current patent application (or a closely related continuation) before its grant.
  • Potential Anticipation (35 U.S.C. § 102): Since this is an earlier publication of the same or substantially identical application, it is not "prior art" against itself in the typical sense under 35 U.S.C. § 102 (assuming no intervening art and proper priority claims). However, it is an important document in the patent family.

II. Other Cited Prior Art from Background Section:

The patent also discusses other prior art in the "BACKGROUND OF THE INVENTION" section to highlight the unsolved needs that the present invention addresses. These are considered relevant art, even if they are distinguished by the applicant.

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

  • Full Citation: U.S. Patent Application Publication No. 2009/0068982 to Chen et al.
  • Publication/Filing Date: Not explicitly stated in the provided text, but the publication number indicates a filing year of 2009.
  • Brief Description: Generally describes a system or method for securing a wireless digital transaction. It involves a mobile device with a mobile payment card (m-card) linked to an account, using public-key cryptography (PKC) to securely transmit payment to a terminal component.
  • Potential Anticipation (35 U.S.C. § 102): The patent distinguishes itself from Chen et al. by stating that while Chen addresses electronic payments, it "do[es] not dispense with the use of cash" and still requires consumers to carry cash [cite: US12014347B2 patent text]. Therefore, any claims in US12014347B2 that specifically cover the exchange of physical cash in a mobile environment, particularly in ways that replace or dispense with the need to carry cash, would likely not be anticipated by Chen et al. However, claims broadly related to secure wireless digital transactions or mobile payment cards might find some overlap.

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

  • Full Citation: U.S. Patent Application Publication No. 2008/0010191 to Rackley III et al.
  • Publication/Filing Date: Not explicitly stated in the provided text, but the publication number indicates a filing year of 2008.
  • Brief Description: Describes methods and systems for providing financial payments to a payee using a mobile device or PDA. The user inputs payee information, payment source, and method; the mobile device generates and wirelessly communicates a mobile payment instruction to a mobile financial transaction system (MFTS), which then instructs a payment instruction recipient to effect payment without payee action.
  • Potential Anticipation (35 U.S.C. § 102): Similar to Chen et al., the present patent distinguishes itself from Rackley III et al. by noting that these solutions "do not dispense with the use of cash" [cite: US12014347B2 patent text]. Therefore, claims in US12014347B2 that focus on the exchange or handling of physical cash, particularly through ATM integration or digital currency backed by commodities, would likely not be anticipated. Broader claims related to mobile financial transactions, generating payment instructions, or wireless communication for payments might have some overlap with Rackley III et al.

Summary of Most Relevant Prior Art:

The most relevant prior art for US patent 12014347 are its own parent applications and issued patents in the continuation chain, specifically:

• US 8,554,671 B2: This is highly relevant as US12014347B2 explicitly states it includes the "same subject matter" and is "effectively a continuation thereof." Any claims in US12014347B2 that simply restate or do not add patentably distinct features to the teachings of US8554671B2 would be anticipated.
• US 10,733,593 B2 and US 2015/0227913 A1: These are also highly relevant due to their position in the continuation chain and their almost identical titles, suggesting significant overlap in the claimed subject matter related to fraud prevention and mobile financial transaction platforms.

Without the specific claims of US12014347B2, it is not possible to perform a detailed claim-by-claim analysis of anticipation under 35 U.S.C. § 102 against these references. However, their direct familial relationship to the present patent means they will contain highly pertinent disclosures.