Invalidity dossier
US 9892386
Monetary transaction system
Current assignee: Fintiv, Inc.
Added 9/24/2026, 1:29:30 AM
Active provider: DeepSeek · deepseek-flash
Patent summary
Title, assignee, inventors, filing/issue dates, abstract, and a plain-language overview of the claims.
Patent Overview: US9892386B2 — "Monetary Transaction System"
Source: https://patents.google.com/patent/[US9892386](/patent/US9892386)/en
Bibliographic data (per supplied excerpt):
- Title: Monetary Transaction System
- Patent number: US9892386B2
- Application number: US15/201,152
- Inventor: Michael A. Liberty
- Original assignee: Mozido Inc; current assignee listed as Fintiv Inc
- Priority date: 2011-06-03 (stated as an assumption, not a legal conclusion)
- Filing date: 2016-07-01
- Publication date: 2018-02-13
- Anticipated expiration: 2032-05-30
- Status: Active
- Prior art keywords: subscriber, account, services, transaction system, transaction
Classifications: G06Q20/00 (payment architectures, schemes or protocols), including G06Q20/10 (electronic funds transfer/home banking), G06Q20/322 and G06Q20/326 (mobile-device commerce and payment applications on mobile devices), G06Q20/3255 (mobile network messaging services for payment, e.g. SMS), G06Q20/36 (electronic wallets/e-money safes), G06Q20/401 (transaction verification), and G06F9/546 (message passing systems/queues).
Plain-language scope, inferred only from the classifications and prior-art keywords: The disclosed subject matter appears to concern a computerized system for conducting monetary transactions, involving subscriber accounts and services, with emphasis on mobile/wireless payment architectures, messaging-based payment (e.g. SMS), electronic wallets, and transaction verification or authorization.
What the excerpt does not establish: The supplied text contains no abstract, no claims, no written description, no drawings content, and no cited prior-art references. Accordingly, it does not establish: the actual claimed invention or its limitations; the technical problem or solution; any specific embodiment, component, or data flow; the identity or relevance of any prior art; the legal scope, validity, enforceability, or infringement of any claim; or the accuracy of the listed priority date, assignee, or legal status (each expressly disclaimed as an assumption in the source). Litigation, ownership transfers, and prior-art questions are outside the scope of this overview and were not researched.
Generated 10/1/2026, 9:31:23 PM
Cases on file (1)
Group view →Specific litigation cases in our database that name US patent 9892386. The free-form analysis below may also discuss cases beyond this list.
- Fintiv, Inc. v. PayPal Holdings, Inc.filed Mar 17, 20226:22-cv-00288-ADAU.S. District Court for the Western District of Texas, Waco Divisionterminated Jul 28, 2023judgment
Defendants: PayPal Holdings, Inc.
Other patents asserted: 11120413, 8538845, 9208488, 10438196
Litigation summary
Past and pending lawsuits — plaintiffs, defendants, jurisdictions, outcomes, and notable rulings.
Proceedings on file (0)
All PTAB activity →AIA trial proceedings (IPR / PGR / CBM) filed at the USPTO Patent Trial and Appeal Board against this patent. Sourced from the USPTO Open Data Portal and refreshed every six hours; each proceeding number deep-links to the PTAB E2E docket.
Current assignee: Fintiv, Inc.
No PTAB proceedings on file. This patent has not been challenged via IPR, PGR, or CBM. The absence is itself a signal — well-asserted patents eventually attract IPRs. The LLM analysis below may surface filings the ODP feed hasn’t indexed yet.
PTAB challenges
AIA trial proceedings at the USPTO Patent Trial and Appeal Board — IPR, PGR, and CBM. Petitioners, judge panels, claim-level invalidation outcomes from Final Written Decisions, and Federal Circuit appeals. The single most important defensive datapoint after litigation history.
Assignment history
Inventors, original assignee, and the chain of ownership recorded with the USPTO — including the correspondent attorney who recorded each assignment, since shell-LLC chains often share one repeat-player attorney even when the entity names look unrelated. Surfaces NPE / patent-troll patterns: shell-entity transfers, known asserters in the chain, repeat correspondent fingerprints, pre-litigation assignments, and bankruptcy fire-sales.
Prior art
Earlier patents, publications, and products that may anticipate or render the claims unpatentable.
Obviousness
Combinations of prior art that suggest the claimed invention would have been obvious under 35 U.S.C. § 103.
Extensions
Patent term adjustments, term extensions, continuations, divisionals, family members, and expiration dates.
Derivative works
Defensive disclosure: derivative variations of each claim designed to render future incremental improvements obvious or non-novel.
Keep exploring
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This patent in court (1)
1 tracked lawsuit name US 9892386.