Invalidity dossier
US 5754655
System for remote purchase payment and remote bill payment transactions
Current assignee: Individual
Added 9/24/2026, 1:51:58 AM
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Patent summary
Title, assignee, inventors, filing/issue dates, abstract, and a plain-language overview of the claims.
Patent Overview — US 5,754,655 A
Title: System for remote purchase payment and remote bill payment transactions
Patent number / application: US 5,754,655 A; application US 08/891,440
Inventors: Thomas S. Hughes; Gustavo Molina
Assignee: Listed as "Individual" (original assignee also Individual)
Key dates: Priority date 1992-05-26 (priority claimed from US 07/888,780, patent US 5,336,870 A); filing date 1997-07-10; publication/grant date 1998-05-19; anticipated expiration 2012-05-26. Legal status listed as "Expired – Lifetime."
Purpose and plain-language scope: The patent relates to systems for purchase payment and bill payment transactions. The supplied excerpt explains that point-of-sale terminals have become common at locations such as Carl's Jr., Hughes grocery markets, and ARCO gas stations. In operation, a user is prompted to insert a debit ATM card into a terminal card reader at the purchase site, prompted for a PIN, and then enters the purchase amount—or the amount may be supplied automatically by the register or fuel pump. If approved by a remote host computer, funds are automatically transferred from the user's account to the merchant's account. The excerpt also describes U.S. Pat. No. 5,050,207 as a portable automated teller machine that couples to a host bank computer via a telephone handset, allowing secure account access, interaccount transfers, or bill payments, but notes that device has no alphabetic keyboard, printer, or magnetic card reader.
Classification: G07F 7/00, 7/08, 7/10, 7/1008; G06Q 20/00 et seq. (including 20/04, 20/10, 20/108, 20/12, 20/20, 20/204, 20/34, 20/341, 20/36, 20/367, 20/38, 20/382); G07F 17/00, 17/0014, 17/26, 7/0873, 7/088, 7/0886.
Source: https://patents.google.com/patent/US5754655/en
What the excerpt does not establish: The supplied text is incomplete—claims are not reproduced, and the description is explicitly excerpted. It does not establish the full claimed scope, the complete specification, the full prior-art discussion, or the identity of later assignees other than as listed. Statements about legal status and priority are noted by the source itself as assumptions, not legal conclusions.
Generated 10/1/2026, 9:31:02 PM
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Litigation summary
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Proceedings on file (0)
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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
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Obviousness
Combinations of prior art that suggest the claimed invention would have been obvious under 35 U.S.C. § 103.
Extensions
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Derivative works
Defensive disclosure: derivative variations of each claim designed to render future incremental improvements obvious or non-novel.