Invalidity dossier

US 9892386

Monetary transaction system

Current assignee: Fintiv, Inc.

Added 9/24/2026, 1:29:30 AM

At a glanceNo PTAB challenges1 lawsuit on fileasserted by Fintiv, Inc.

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Patent summary

Title, assignee, inventors, filing/issue dates, abstract, and a plain-language overview of the claims.

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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)

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Specific litigation cases in our database that name US patent 9892386. The free-form analysis below may also discuss cases beyond this list.

Litigation summary

Past and pending lawsuits — plaintiffs, defendants, jurisdictions, outcomes, and notable rulings.

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Proceedings on file (0)

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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.

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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.

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Prior art

Earlier patents, publications, and products that may anticipate or render the claims unpatentable.

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Obviousness

Combinations of prior art that suggest the claimed invention would have been obvious under 35 U.S.C. § 103.

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Extensions

Patent term adjustments, term extensions, continuations, divisionals, family members, and expiration dates.

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Derivative works

Defensive disclosure: derivative variations of each claim designed to render future incremental improvements obvious or non-novel.

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This patent in court (1)

1 tracked lawsuit name US 9892386.