A claim is anticipated under 35 U.S.C. § 102 if “each and every limitation is found either expressly or inherently in a single prior art reference.” In the present case, IPXL’s system for executing financial transactions was anticipated by the Coutts reference because it was found to contain the “single screen,” “stored transaction information,” and “transaction parameters” limitations. Additionally, a claim is indefinite if it contains both an apparatus and a method of using the apparatus.