Progressive’s Oral Argument
`
`CBM2012-00003
`CBM2013-00009
`
`U.S. Patent No. 8,140,358
`
`Vehicle Monitoring SystemVehicle Monitoring System
`
`Oral Hearing: October 15, 2013, 1:00 p.m.
`
`PROGRESSIVE
`EXHIBIT
`2012-00003: 2021;
`2013-00009: 2034
`
`PrDX-1
`
`

`

`Claim 1 – Vehicle Data
`
`Claim 1:Claim 1:
`
`1. A system that monitors and facilitates a review of data collected from a vehicle
`that is used to determine a level of safety or cost of insurance comprising:
`
` a processor that collects vehicle data from a vehicle bus that represents aspectsa processor that collects vehicle data from a vehicle bus that represents aspects
`of operating the vehicle;
` a memory that stores selected vehicle data related to a level of safety or an
`insurable risk in operating a vehicle;
` a wireless transmitter configured to transfer the selected vehicle data retained
`within the memory to a distributed network and a server;
` a database operatively linked to the server to store the selected vehicle data
`
`transmitted by the wireless transmitter, the database comprising a storage y , p g g
`
`
`
`
`system remote from the wireless transmitter and the memory comprising records
`with operations for searching the records and other functions;
` where the server is configured to process selected vehicle data that represents
`
`one or more aspects of operating the vehicle with data that reflects how theone or more aspects of operating the vehicle with data that reflects how the
`selected vehicle data affects a premium of an insurance policy, safety or level of
`risk; and
` where the server is further configured to generate a rating factor based on the
`
`t dlselected vehicle data stored in the database.hi l d t t d i th d t b
`
`
`
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`PrDX-2
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`

`

`Claim 1 – Rating Factor
`
`Claim 1:
`1. A system that monitors and facilitates a review of data collected from a vehicle
`that is used to determine a level of safety or cost of insurance comprising:
` a processor that collects vehicle data from a vehicle bus that represents aspects
`of operating the vehicle;
` a memory that stores selected vehicle data related to a level of safety or an
`
`insurable risk in operating a vehicle;p g ;
`
`
` a wireless transmitter configured to transfer the selected vehicle data retained
`within the memory to a distributed network and a server;
` a database operatively linked to the server to store the selected vehicle data
`
`ttransmitted by the wireless transmitter, the database comprising a storage itt d b th i l t itt th d t b i i t
`
`
`
`
`
`
`
`
`
`system remote from the wireless transmitter and the memory comprising records
`with operations for searching the records and other functions;
`
`
` where the server is configured to process selected vehicle data that represents g p p
`
`one or more aspects of operating the vehicle with data that reflects how the
`selected vehicle data affects a premium of an insurance policy, safety or level of
`risk; and
`
` where the server is further configured to generate a rating factor based on the where the server is further configured to generate a rating factor based on the
`selected vehicle data stored in the database.
`
`PrDX-3
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`

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`‘358 Figure 2 – Server and
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`Rating/Billing Calc lationsRating/Billing Calculations
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`PrDX-4
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`‘358 Figure 3 – Vehicle Data Collection
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`lA d WiAnd Wireless TransmissionT i i
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`PrDX-5
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`‘358 Figure 4 – Wireless Transmission Of
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`l D tt d V hiS lSelected Vehicle Data
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`PrDX-6
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`‘358 Figure 5 –Vehicle Data Storage
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`and Charges Algorithmand Charges Algorithm
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`PrDX-7
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`‘358 Figure 6358 Figure 6
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`‘358 Figure 6
`
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`BASED GM THE
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`
`LIMIT 'DF RISK
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`LDEGI‘IG AMDIDH
`CWIDATDN
`DEVID-‘E
`
`TD DATA
`LEIGH-SING AND
`
`
`
`PrDX-8
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`

`

`
`
`‘358 Cols.
`7 and 8
`
`‘358 Cole.
`
`7 and 8
`
`7
`A vehicle may be linked to a network or remote control
`center 416 through one or more corrnnunieation links 418, In
`some systems the communication link comprises a wireless
`link (e.g., cellular link, a satellite link, a radio frequency link,
`etc .). a magnetic or optical link. or other tangibly free links. A
`navigation sub-system 420 may receive navigation signals
`from a positioning device 422 that may include, but is not
`limited to. a GPS. radio frequency tags. or other locating
`technology. The navigation sub-system 420 may communi-
`cate directly with the device 300 or through surrogates
`Some of the elements monitored and/or recorded by the
`device 300 include raw data elements. calculated data ele-
`ments. derived data elements, and subsets of these elements
`[hereinafter data elements),
`Raw Data I'llements:
`Information from powertrain or related sensors may
`include:
`RPM,
`transmission setting (Park. Drive, Gear. Neutral, etc).
`throttle position,
`engine coolant temperature,
`intake air temperature,
`barometric pressure,
`vehicle speed.
`manifold absolute pressure,
`oxygen sensor,
`coolant sensor.
`Information from electrical sensors may include:
`entertainment status (e.g., visual or audio systems inle-
`grated 0r interfaced to vehicle) brake light on,
`turn signal indicator.
`headlamps on.
`hazard lights on,
`back-up lights on,
`parking lights on.
`Wipers on,
`doors locked,
`key in ignition,
`key in door lock,
`hom applied,
`battery voltage,
`Information from body sensors,
`airbag deployment,
`ABS application,
`level of fuel in tank,
`brakes applied.
`accelerator applied,
`radio station tuned in,
`seat belt on or off. door open,
`tail gate open,
`odometer reading,
`cruise control engaged,
`anti-thefi disable.
`occupant in seat.
`occupant weight,
`accelerator/brake pedal depression (cg. measured in
`degrees or force applied) accessories (e.g., mirror set-
`tings. dash light status, etc.,)
`Information from other elements may include:
`vehicle speed.
`vehicle location (e.g., navigation related information),
`date,
`time,
`vehicle direction
`
`8
`relative distance to other objects (e.g., may be monitored to
`assure compliance with an assured clear distance rule
`that may require drivers to be able to stop their vehicles
`Within a distance they may clearly see).
`Calculated Information may include:
`deceleration,
`acceleration,
`vehicle in skid.
`Wheels in spin.
`closing speed on vehicle in from,
`closing speed of vehicle in rear.
`closing speed of vehicle to side (right or left).
`space to side 01‘ vehicle occupied.
`space to rear of vehicle occupied,
`space to front of vehicle occupied,
`lateral acceleration.
`rotation ofvehicle (e.g., sudden),
`loss oflire pressure (e.g., sudden);
`driver identification (e.g., through voice recognition, code.
`fingerprint. retinal. or other recognition):
`distance traveled; and
`environmental conditions (eg, potential hazards, rain, ice.
`etc)
`Derived Data Elements may inc lude:
`vehicle speed in excess 01‘ speed limit;
`observation of traffic signals and signs;
`relative braking or acceleration or deceleration events;
`road conditions;
`lralIic conditions; and
`vehicle position.
`Other elements may be monitored and retained in local
`memory with optional metadala. The time a file is created or
`written to such as a timestamp or size of a file may comprise
`metadata.
`FIG. 1 is a flowchart of a data capture process. The data
`may be processed for insurance, risk management or assess-
`ment and/or claims processing purposes. The process may be
`implemented through a real-time operating kernel Within the
`device 300. In some systems and processes, users employ a
`unique logic (e.g., a circuit and/or software) associated with
`that user‘ 5 machine or unit ofrisk. When the system is started
`100, a data capture may be initiated by a trigger event 102
`which may include, but is not limited to:
`gnition Orr/Off (e.g.. may measure length oftime an igni-
`tion switch is activated) Airbag Deployment
`Acceleration '1'h_reshold
`Velocity Threshold
`Elapsed Time
`flattery Voltage Level
`System Health
`
`UserActivation/Panic Button
`Traction
`socation/Geofencing
`Driver Identification
`{emote Activation
`Vehicle Motion
`{evolutions per Minute
`Transmission or Clutch Engagement or Disengagement
`)owcr Bus Activation (may measure the length of time
`power is sourced to a bus or a conductor)
`
`
`
`I (Zr
`
`3U
`
`(,4m
`
`40
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`45
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`55
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`60
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`PrDX-9
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`Specification – Rating Factors And Actuarial Classes
` ‘358 specification clearly shows actuarial classes are used
`
` “Each assumption may be subject to verification and Each assumption may be subject to verification and
`
`change. Verification may analyze the collected data,
`correlate the data to actual losses, and relate the data to
`
`actuarial classes.” (15:57-60.)actua a c asses ( 5 5 60 )
`
` “A quote, cost (e.g., an amount due or bill), or adjustment
`
`(e g cost term or some other parameter) may be derived(e.g., cost, term, or some other parameter) may be derived
`at 2916. While the quotes, costs, and adjustments may
`comprise a fixed value, in alternative systems the value
`
`may comprise a fluid range that may vary by user, a user'smay comprise a fluid range that may vary by user, a user s
`behavior, or by an insurance parameter (e.g., an actuarial
`class).” (40:6-11.)
`
`PrDX-10
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`Progressive’s Expert – Rating
`
`Factors And Act arial ClassesFactors And Actuarial Classes
` “An actuarial class also has a rate factor inherently
`
`associated with it.” (Ex. 2005, Miller Decl. at ¶19.)associated with it. (Ex. 2005, Miller Decl. at ¶19.)
`
` “A rate factor is a calculated numerical value for the
`
`actuarial class that is used to calculate the premiums for p
`an insured.” (Id.)
`
` “Use of an actuarial class within an insurance context
`necessarily involves generating and using a rating factor.”
`(Id. at ¶39.)
`
` “Use of rate factors and risk factors is necessarily part of
`any insurance charges or premium determination algorithm
`for an auto insurance program using actuarial classes.”
`
`(Id )(Id.)
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`PrDX-11
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`Progressi e’s E pert Rating FactorProgressive’s Expert – Rating Factor
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`(Ex. 2015 at ¶38.)
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`PrDX-12
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`Liberty Mutual’s Expert – Rebuttal
`
`TestimonTestimony
`
`O’Neil agrees that “the ‘358 patent itself ties the O Neil agrees that the 358 patent itself ties the
`
`level of safe driving to expected claims losses.”
`
`(Ex. 1032 at ¶28.)( ¶ )
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`
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`PrDX-13
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`Miller Testimony Regarding Expected Claims Loss
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`(Ex. 2005 at ¶28.)
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`PrDX-14
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`Liberty Mutual’s Expert – Actuarial Classes
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`(Ex. 2015, p. 44, lines 4-20.)
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`PrDX-15
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`Liberty Mutual’s Expert – Rating Factors
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`(Ex. 2015, p. 98, line 25 – p. 99, line 22.)
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`PrDX-16
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`Liberty Mutual’s Expert – Rating FactorsLiberty Mutual s Expert – Rating Factors
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`(Ex. 2015, p. 100, line 25 – p. 101, line 6.)
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`PrDX-17
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`Liberty Mutual’s Expert – Rating
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`FactorsFactors
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`(continued on the next page)
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`PrDX-18
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`Liberty Mutual’s Expert Rating FactorsLiberty Mutual s Expert – Rating Factors
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`
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`(continuation from previous page)(continuation from previous page)
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`(Ex. 2015, p. 101, line 20 – p. 102, line 15.)
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`PrDX-19
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`Liberty Mutual’s Expert’s Book Chapter On Calculating
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`Premiums Using Rating FactorsPremiums Using Rating Factors
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`(Ex. 2014 at 47.)
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`PrDX-20
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`‘358 Col 3 lines 46 55358 Col. 3, lines 46-55
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`PrDX-21
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`‘358 Col 16 lines 36 42358 Col. 16, lines 36-42
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`PrDX-22
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`Claim Construction – Rating Factorg
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` “[A] calculated insurance risk value such as a safety
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`score or a usage discount ” (Institution Decision at 6 )score or a usage discount. (Institution Decision at 6.)
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` “[A]n insurance risk value would be a value that
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`reflects an associated level of insurance risk andreflects an associated level of insurance risk and,
`therefore, also a corresponding insurance premium.”
`(Id.)
`
` Progressive’s Expert Miller testified that a POSITA
`would interpret the Board’s reference to “insurance
`
`risk” to mean expected claims losses and anrisk to mean expected claims losses, and an
`“associated level of insurance risk” to describe rating
`factors associated with actuarial classes. (Ex. 2005
`at ¶38.) ¶ )
`
`
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`PrDX-23
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`Priority Issues Raised In The
`
`InstitInstitution Decisiontion Decision
`
`
`1. The Wireless Transfer Of Selected Vehicle Data
`Limitation
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`2. Functions Required To Be Performed At A
`Server
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`PrDX-24
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`1. The Wireless Transfer Of Selected Vehicle
`Data Limitation – ‘650 Figure 2
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`WIWIRELESS TRANSMISSION L SS A S ISSIO
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`
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`OF RECORDED SELECTED 
`VEHICLE DATA
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`RECORDED 
`SELECTED VEHICLE 
`DATA
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`PrDX-25
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`1. The Wireless Transfer Of Selected Vehicle
`Data Limitation – ‘650 Figure 4
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`WIRELESS TRANSMISSION 
`OF SELECTED VEHICLE 
`DATA
`
`SELECTED 
`VEHICLE DATA
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`PrDX-26
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`1. The Wireless Transfer Of Selected
`Vehicle Data Limitation – ‘650 Figure 5
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`VEHICLE
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`EVENT/SENSOR DATA
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`INSURER
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`PrDX-27
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`2. ‘650 Discloses A Server Linked To
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`A Database Fig re 2A Database – Figure 2
` The insurer 208 in Figure 2 necessarily
`contains one or more servers as it contains
`data processing and translation functionality, a
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`data storage device and rating billing anddata storage device, and rating, billing, and
`claims functionality 222. (Ex. 2007, Zatkovich
`Decl. at ¶¶ 84, 87, 88.)
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`PrDX-28
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`PrDX-29
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`2. ‘650 Discloses Server Linked To A
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`Database – Figure 2g
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`“RATING, 
`BILLING, 
`CLAIMS” ON A 
`COMPUTER
`
`
`
`SERVERSERVER
`
`DATABASE 
`(INTERACTING 
`ITH RATING, 
`BILLING, 
`CLAIMS AS 
`WELL AS WITH 
`WEB SERVER)
`
`(W
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`

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`2. ‘650 Discloses Server Linked To A
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`Database – Figure 5g
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`DATABASE 
`(INTERACTING 
`WITH RATING, 
`BILLING, 
`
`CLAIMS ASCLAIMS AS 
`WELL AS WITH 
`WEB SERVER)
`
`“CHARGES 
`ALOGRITHM” 
`ACCESSING 
`
`DATABASEDATABASE 
`518  
`(OPERATING 
`ON A SERVER 
`PER FIGURE 2)
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`PrDX-30
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`2. ‘650 Discloses Server Processing
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`Selected Vehicle Data Fig re 5Selected Vehicle Data – Figure 5
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`“WEB SERVER” 
`ACCESSES CHARGES 
`INFORMATION FOR 
`WEB USER AND 
`
`PROVIDES TO USERPROVIDES TO USER 
`AT 554
`
`SELECTEDSELECTED 
`
`VEHICLE DATA
`
`DATABASE
`
`CHARGES 
`ALGORITHM
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`PrDX-31
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`2. ‘650 Discloses Server Processing
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`Selected Vehicle DataSelected Vehicle Data
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` “Rating, Billing, and Charges” of Figs. 2 and 5: “The subject invention will
`base insurance charges with regard to current material data
`
`representative of actual operating characteristics to provide arepresentative of actual operating characteristics to provide a
`classification rating of an operator or the unit in an actuarial class which
`has a vastly reduced rating error over conventional insurance cost
`systems.” (‘650 application at 6:15-18.)
`
` “[T]here is disclosed a method of determining a cost of automobile
`insurance based upon monitoring, recording and communicating data
`representative of operator and vehicle driving characteristics, whereby
`the cost is adjustable by relating the driving characteristics to
`
`i dd tpredetermined safety standards. (‘650 application at 6:28-31.) f t t d d (‘650 li ti t 6 28 31 )
`
`
`
`
`
`
`
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` “The data or events which are stored in stored device 518 are accessed
`by a billing algorithm 530 to generate a cost for the unit of risk in
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`consideration of all the relevant data and events occurring in that period ”consideration of all the relevant data and events occurring in that period.
`(‘650 application at 19:30-20:1.)
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`PrDX-32
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`2. ‘650 Discloses Server Generating A
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`R tiRating Factor – SpecificationF t S ifi ti
`
`
`
`
` “Rating, Billing, and Charges” of Figs. 2 and 5: “The subject
`invention will base insurance charges with regard to current
`fmaterial data representative of actual operating characteristics
`
`to provide a classification rating of an operator or the unit in an
`actuarial class which has a vastly reduced rating error over
`conventional insurance cost systems.” (Ex. 2004, ‘650 Appl. at
`
`6:15 18 )6:15-18.)
`
` “The method is comprised of steps of monitoring a plurality of raw
`data elements representative of an operating state of a vehicle or
`ian action of the operator. Selected ones of the plurality of raw f h S l d f h l li f
`
`
`
`
`
`
`
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`data elements are recorded when they are determined to have an
`identified relationship to the safety standards. The recorded
`elements are consolidated for processing against an insured
`
`profile and for identifying a surcharge or discount to beprofile and for identifying a surcharge or discount to be
`applied to a base cost of automobile insurance. The total cost of
`insurance obtained from combining the base cost and surcharges
`or discounts is produced as a final cost to the operator.” (Id. at
`
`7:1-7 )7:1-7.)
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`PrDX-33
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`2. ‘650 Discloses Server Generating A
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`R tiRating Factor – Figure 2F t Fi 2
`
`
`
`
`“RATING” 
`OPERATIONS   
`GENERATE 
`RATING 
`FACTORS FOR 
`USE IN 
`“BILLING” (I.E., 
`CHARGES)
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`PrDX-34
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`2. ‘650 Discloses Server Generating A
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`R tiRating Factor – Figure 5F t Fi 5
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`
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`PrDX-35
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`Nakagawa Figure 1Nakagawa Figure 1
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`PrDX-36
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`Nakagawa Figure 2Nakagawa Figure 2
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`PrDX-37
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`Nakagawa Figure 3Nakagawa Figure 3
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`PrDX-38
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`Nakagawa Figure 4Nakagawa Figure 4
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`PrDX-39
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`Nakagawa Figure 5Nakagawa Figure 5
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`PrDX-40
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`Nakagawa Figure 7Nakagawa Figure 7
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`PrDX-41
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`Nakagawa Figure 10Nakagawa Figure 10
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`PrDX-42
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`Nakagawa Paragraph [0065]Nakagawa Paragraph [0065]
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`PrDX-43
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`Nakagawa Paragraph [0067]Nakagawa Paragraph [0067]
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`PrDX-44
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`Nakagawa Paragraphs [0068-0069]
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`PrDX-45
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`Nakagawa Paragraph [0072]
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`PrDX-46
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`Nakagawa Paragraph [0073]
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`PrDX-47
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`Nakagawa Paragraph [0076]
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`PrDX-48
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`Nakagawa Paragraph [0077]
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`PrDX-49
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`Progressive’s Expert – Nakagawa Lacks Rating
`F tFactors
`
`(Ex. 2015 at ¶44.)
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`PrDX-50
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`Zatkovich Testimony Regarding Nakagawa
`
`(Ex. 2007 at ¶¶ 42-43.)
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`PrDX-51
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`Andrews Petition Declaration Regarding Nakagawa
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`(Ex. 1025 at ¶¶35-36.)
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`PrDX-52
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`

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`Nakagawa Stores “Usage Data”Nakagawa Stores Usage Data
`
` In Nakagawa, the vehicle data collected from the
`data bus is processed to determine whether the
`vehicle’s operation is safe or dangerous, and the
`
`degree of safe or dangerous operation isdegree of safe or dangerous operation is
`recorded as points. (Ex. 1005 at ¶ 65; Ex. 2007,
`Zatkovich Decl. at ¶ 40-41.)
` These points values are stored as what
`Nakagawa refers to as “usage data” in the
`
`memory provided in on board control part 12memory provided in on board control part 12.
`(Ex. 1005 at ¶ 65; Ex. 2007, Zatkovich Decl. at ¶
`40.))
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`PrDX-53
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`Nakagawa Stores “Usage Data”
`
`STORED IN 
`POINT FORM
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`PrDX-54
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`•
`
`(1) Nakagawa Does Not Disclose That
`
`“Selected Vehicle Data” Is Retained WithinSelected Vehicle Data Is Retained Within
`Memory
`
`••
`
`“Selected vehicle data” as used in claim 1 refers toSelected vehicle data as used in claim 1 refers to
`certain vehicle data that relates to a level of safety
`or an insurable risk in operating a vehicle.
`
`
`I N kIn Nakagawa, the vehicle data collected from the th hi l d t ll t d f th
`
`
`
`
`
`data bus is processed to determine whether the
`vehicle’s operation is safe or dangerous, and the
`
`ddegree of safe or dangerous operation is recorded f f d ti i d d
`
`
`
`
`
`
`as points. (Ex. 1005 at ¶ 65; Ex. 2007, Zatkovich
`Decl. at ¶ 40-41.)
`These points values are stored as what
`Nakagawa refers to as “usage data” in the memory
`
`provided in on board control part 12. (Ex. 1005 at ¶ p p ( ¶
`
`
`
`65; Ex. 2007, Zatkovich Decl. at ¶ 40.)
`
`•
`
`PrDX-55
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`

`

`(2) Nakagawa Does Not Disclose That
`“Selected Vehicle Data” Is Transferred To A
`Distributed Network And A Server
` Nakagawa further makes it clear that it is these
`“usage data” points that are read from the
`
`memory in the on board control part 12 and thememory in the on-board control part 12, and the
`on-board radio part 9 sends the points (i.e., the
`
`“usage data”) and an ID to the server apparatus g ) pp
`
`
`6. (Ex. 1005 at ¶ 69; Ex. 2007, Zatkovich Decl. at
`¶ 41.)
`
`PrDX-56
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`

`

`(3) Nakagawa Does Not Disclose
`
`The Claimed DatabaseThe Claimed Database
` Petitioner has not cited any passage from
`
`Nakaga a that mentions the ord “database”Nakagawa that mentions the word “database”
`explicitly.
`
` Nor is it inherent because there is no disclosure
`of:
`“D t b “Database” which is a “file composed of records, ” hi h i “fil d f d
`
`
`
`
`each containing fields together with a set of
`operations for searching, sorting, recombining and
`
`thother functions,” f ti ”
`
`
`
` “Record” is a “data structure that is a collection of
`fields (elements) each with its own name and type.”
`
`
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`PrDX-57
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`

`

`(IV) Disadvantageous Modification Of Kosaka’s System
`
`To Fit Within The RDSS EnvironmentTo Fit Within The RDSS Environment
`
` Liberty’s Petition does not provide proper motivation
`
`tto combine Kosaka with RDSSbi K k ith RDSS
`
`
`
`
` “Operations requiring extensive processing” are
`
`performed at the central server/computer system” to p p y
`
`
`reduce “sophistication and cost of the terminal.” (Petition
`at 27.)
`
` However, Kosaka’s fuzzy logic operations do not
`require “extensive processing”
` Inexpensive microprocessors available in 1996, such as
`the Intel 8086 and the Texas Instruments TMS320C5x
`
`families of processors. (Ehsani Decl. at ¶ 35.) p ( ¶ )
`
`
`
`
`PrDX-58
`
`

`

`
`
`In re Bigio: Test For Analogous Prior ArtIn re Bigio: Test For Analogous Prior Art
`
` “References within the statutory terms of 35 U.S.C. §
`
`102 qualify as prior art for an obviousness102 qualify as prior art for an obviousness
`determination only when analogous to the claimed
`invention.” In re Bigio, 381 F.3d 1320, 1325 (Fed. Cir.
`
`2004)2004).
`
`
`
` “Two separate tests define the scope of analogous p p g
`
`prior art: (1) whether the art is from the same field of
`endeavor, regardless of the problem addressed and,
`
`(2) if the reference is not within the field of the ( )
`inventor’s endeavor, whether the reference still is
`reasonably pertinent to the particular problem with
`which the inventor is involved.” (Id.)( )
`
`
`
`PrDX-59
`
`

`

`GEOSTAR 10-K
` Full quote #1:
`
` The Company believes that the GEOSTAR System
`enables commercial fleet owners to increase asset
`
`utilization, reduce deadhead miles, shorten billingutilization, reduce deadhead miles, shorten billing
`cycles, improve just-in-time deliveries, enhance security,
`lower insurance premiums, reduce communications
`costs, perform real-time operations and maintenance
`
`monitoring scheduling and controlling to achieve moremonitoring, scheduling, and controlling to achieve more
`efficient operations and reduce operating costs. Most of
`the Company’s current customers are long distance
`trucking companies.
`
` Only the emphasized words were quoted by Liberty
`
`PrDX-60
`
`

`

`GEOSTAR 10-KGEOSTAR 10 K
`
` Full quote #2:
`
` The Company believes a market exists in the
`
`insurance, financial and retail industries for GEOSTAR,
`System services because its real-time nationwide
`mobile processing of insurance claims, point-of-sales,
`
`credit verification, and funds transfer transactions willcredit verification, and funds transfer transactions will
`reduce financial and information float decision delays.
`
` Only the emphasized words were quoted by
`Liberty
`
`PrDX-61
`
`

`

`Libert ’s Spin On The 10 K Q otesLiberty’s Spin On The 10-K Quotes
`
` “RDSS was clearly understood to be useful in
`determining insurance premiums.” (Petition at
`26:1-2.)
`
`PrDX-62
`
`

`

`Libert ’s Spin On The 10 K Q otesLiberty’s Spin On The 10-K Quotes
`
` “Thus, RDSS taught a POSITA—long before any
`application arguably associated with the ‘358
`Patent—the benefits of monitoring vehicle
`
`telematics data using an on-board computer thattelematics data using an on board computer that
`retrieves, stores and transmits that data
`wirelessly to a central computer system, where it
`is analyzed for use in determining risk and
`appropriate insurance premiums (as well as, e.g.,
`
`summoning help in an emergency as the datasummoning help in an emergency as the data
`indicates). See also, generally, Ex. 1014,
`Andrews Dec. ¶¶ 27-32.” (Petition at 21:1-6.)
`
`PrDX-63
`
`

`

`RDSS
`
`
`
`
`
`HESS Two-Way Messageng Technique
`
`
`
`PrDX-64
`
`(Ex. 1004 at 18.)
`
` (Ex. 1004 at 18.)
`
`GEOSTHH'aCeraJWflYtIHEmIIE
`EL manual
`'i'l'barmqatinn' signal mmy
`imas pmsmnd. Illa addrasaad lo all us-
`alannhalsthrwghamlli‘lfl relay. Each
`In'larrugafiun i5 salad: 5 Emma. and mam
`are dawns a1 ham-as par sac-Md. When
`ma usartamlnarmehfis the signal. file-
`aponchwlmauniqua ulnaryaaquamfian
`ldfiml'flflfillflflmdfiflflD}lflflDlhOl'WM‘llnj'
`mangfing cl-glla] mange tram:
`The entire msmlsfinn 1am only 10 In
`40 nflllksacoma.
`
`Under normal upwafluna, t'ha CBI'flIflI.
`will Emu-Madge wary user lamina]
`transmission In view. To armramaCan-
`Ila! suamml‘ullg.l acquires 1112 near: alg—
`na],
`rapaatad hansmiaalma may be
`amndod by In Danna]. Mar ra-
`spcndrng tn the Inlarrngafiun signal as
`
`many limes-as unsuited bytha Gas-Hm
`each user MIMI Vammliter Is auto-
`rnatiwdhr lumed Dfl.
`
`mammal usans wIII 3523551119 nel-
`mrk all aifiarenl [Manuals W no need.
`N1 aimrafl may Irariamn altar; Mr mln-
`uIns. what-935111! Marvel mmmsrfl
`Ehdui’fi fair ailmkznérzammhlltt; The 1nd]-
`Irldual user or his: or her home nfilua mag:I
`requul an updaha. or haw the Denna]
`(:th the raponlng Immal.
`
`Taking hfismanuna aacundw pm:-
`om. a user's massaua metal. Iha Gan-
`1I'a1's cmrs slots Ihs massage and
`vanar'm't a bfial acknowledgment In I119
`user. Gnu! iha massage la smmd. II‘IB
`(Jamaican relay 'I'I maprsmanged danl-
`
`

`

`RDSS
`
`
`
`RDSS
`
`mainlains user identificafion data bases:
`and traffic routing inshucllans. Thu Can-
`Ital. mnllrlruouslg.l stalled by two to four
`personnsl. ir'meracis diraclly' wilh and us-
`ers. prwiting a haul of RUSS survives.
`Individual ussrs maydsal personally with
`thscmal. or alargnoonsumsr seamen!
`(such as the Irucking industry] mag.I have
`ilsrrafiir: hulk—ah'qzlped ma brukarfor spa—
`clalrzodpmsssslnganusubsaquanmnsr-
`nal dls‘trlnullun.
`
`OPERA TIDN
`OF GENTHA L
`
`The RUSS Dental lransmita a. gen-
`aml inharmgalisn signal. addressed 1.0 all
`usarlanninals. throughonaafths sane'llina
`relays many.I 1imas par sacral-rd. The Clut-
`hOunds-gnai Fur-mines syslarn wldetlnn—
`synchronlzatiun for
`live network Dut—
`b-ound lral‘fia may includa namukmlral
`Imlrudlnrs la [arminals :Iranspsranl to
`lheuserl or massagerasnd pasitionualcu-
`Harlan resuhs 10 end users.
`
`Inbound signals [Ir-usages] from us—
`m' terminals pun-ride- ranging darla ancial
`Ior locating Dosltions. The signals am no-
`Iacbed. uarilied. and idanrilied as to Inci-
`vicual user harrninal thrnugh Iha use at
`mlqua loentifrcmlcrn codes. As roquinsd.
`Ihe 09ml can wwula the user's posi-
`Ilnn. and pro-sass sndmuls massaga’crar—
`Ilc: In an arommnlc mall Mk. 1:) the user's
`horns ntfi'rna. ur cnhar dasfil'lfifburl'5 EB
`spa-called.
`
`The Central manlalns a master sys-
`IEII'I1 slack for narwurk relemnue. It also
`maintains animated filaaand shortage ra-
`slllllas Iar all use! Identificallom. and for
`cma—cunelaliun w'rlh physlcaridanlll'rca-
`
`Chmdy pram-h;-
`mart than an: and
`a MMMDR
`manga- pcl' month
`
`Gawar'smmm: samantcmsisls 01
`anitallms Emell'rte Cornwall-Inn
`ICOMSM'} spread Era-sum mdulafion
`and danmudulalinn equipment and n91-
`wnrk tlpélaliflM sorrrrars runner EM son»
`lru all
`a
`leeU—P‘ackam mmpular
`system using a UNIX—based npera‘ling
`sysiarn. mamnlmlmh a: "I! manual Ehf,_
`massanddmas sum swarm slge
`nabs; albums martian flare-a. and was:
`hfisfimmlifla 3h:- mmt as W! as
`lfilmfiflfl hr fiWMMfl-HW Mfilsfir
`Mar-1.7mm; at 359mm Emirate
`
`warms mablenrszppmflag smartly
`matarffiflflm gallant-liars is an line. The
`amen-u is rrlodular to allvzrr-Irl 1st growlh as
`nemrk :rafi'lc innl'aasflfl. The mmpulara
`are manna-dad in a Inca] araa hallmark.
`wharspacltetrouters dlrect msssngelral-
`III: to electronic matures and real—lime
`links bu mammars.
`
`Tm Cmal's massage diminution
`runmimssnds andsmlesmessagasmnd
`
`llnns and 1mfiic routing imuuclians. (Ex. 1004 at 46.)
`
`
`
`PrDX-65
`
`(Ex. 1004 at 46.)
`
`

`

`RDSS
`
`
`
`RDSS
`
`‘1.,(Gmr)pravidm
`a mud: dmflereed
`mecca-reflective
`mauled for minding
`mpfimfl'hc
`mu”
`Hipelknd. Elanumel 1|]J'Bfl
`
`, The fleelgn gulls In manulacrure a,
`,
`gamma mama: err-rm fun? new i
`$3.0m. RUSS radius have a haelt: more
`spadflealiun. wllh epecllic models Effie;-
`lng in size. weluht. power OPHDI'IB. and
`spade! user resumes. opera‘llm raqLi-r‘
`1H1; anhne'rue pruceeeingare performed at
`GEDSTAR CenlrelJedudnglheflam'flti-
`Gillan and one! oflhebarmnal.
`-
`
`The number er mmmlel ant-war
`andhmvartarnhalslhalhilbefim
`We in lire nerd several years may
`be i1 ‘Ii'IB milllana. beeecl an aludee DI
`mannerpenarrfial. Far emerrnle,heFranuh
`mammrcNESJ has recanw worr—
`eaned emu ludependerl meflwflnq aur-
`me of 2.0m oompanlee pmiecllru
`RUSS uliIIn’aoniMhoEumpnne-ammu-
`nlhr. The po1en|lal market for LDC-STAR
`In Weebem Europe ie eelimeied at be-
`men 120.900 and 210.060 were efier
`nine year and 4DG.DDU In 5mm um
`al'lner all: years.
`
`TERMINAL
`GONFIGUHA TlONS
`
`IHHHUIIIDHMM Barl'l'llr'IIISbUrrlnlly'll'l
`producflon. Dimmurdemtftupmu'ade
`e Imlnal
`intadeee port
`for optimal
`Global Paellianlng System and Trulsll
`redlanmrlgmian :eeeleers: Heel-m wllh
`m—weyHDBSunfls. Ilresewppurtfiye
`lame 26 and 21'. Each user Iarrnlnalw'rl
`have a unlauo agile] Iflerlll'icarlen cede
`ifld'lrillbaable not-enemltacodeddlglul
`burs! thruush he aalalllle In GEDSTAH
`Cenlml. The Byers-n 26 or ET termlnal'
`will be DurruJDEBd ulfl‘lnfalm'nruelflneye-
`WE! mlfilmu. Tranem'ruer. and base-
`hand prmeer. Opararlunal momma
`fur“ Graham 26 m 2T 1arrn|nala M" ha “10
`earner ea I'laera [or Syslflm 2
`
`The SMHmECTGIm'II'IEII'M'II lnu‘rflea.
`C—Band redlu recalver lawmplanrenr Ire
`L-Eafl trans-ulnar, pram a may
`meeeeglng cepfiln‘y allh Cenh'EI and
`man1u1he user’s hams since. Bulb-Gena
`magemmorwlo IUEI charmer;
`may he read by the use: upon raraipd an
`hie lenninal keyboard Ellepley.
`
`Hughes Ten'anals
`
`Hughes RUSS Syslem 2 [one—ml
`iarrnlnalemcurrerulrlnmllodenn oper-
`a‘llng on men and rallroad'lralns acme
`lira thbadSlatae. T'halri-illal Medal E1D1
`was plumb a llrriad quanflyefenly
`SDI] were. whlle Thalr Improved Medal
`21112 began roa‘tlnn In December 193E!
`'Mll'l manna produoe ar lease mean unlrs
`In 1555. The one! Ill“ be approxlmalery
`53,100 per bermlnal Ima- anmnna.
`plus 3350 lb: 'lhe apliunel' 'liey'bfial'd 11151
`alar-
`
`The-Hughes Network Symmehluded
`21:12 Mom-.1 Same Termlnal (MST: lee
`Dumped unlt deelgned fur RUSS Sys-
`IEm2 operation from lrufie. helm.
`buses. aircraft. ahlpe, and fixed aila re-
`mlehcallons. mulyequlpped MSTIS
`campaeed al a Model 2102 transmitlsr.
`withimagmbad marine and empenien
`Mohlre DemTermlnnl :MDT} Model 2901
`myboal'd and $8M unll.
`
`PrlndaalfearurflaullheMSTIHduda:
`Iranaa'nlml cl data malnlnn peelljm.
`remain sensor stem. messages, or
`emergency inlnn'naljun: lily emnrlrallc.
`‘lunde—od’f‘ uperefim; eduarrcedhe-chnnl-
`oer Inwarated LOFlflN-fl
`receiver Inr
`paellien dalarrrunefion accuracy M'Ihln a
`healer: are rnllenullcmmntal US. Dov-
`aiage wi‘lh no nid—mnbhern gap; 3 run-
`gerizad endum to parrnn opom'lian
`
`under arrremeenvi'm'nantal mulons: (Ex. 1004 at 52.)
`
`
`
`PrDX-66
`
`(Ex. 1004 at 52.)
`
`

`

`
`
`Kosaka Figure 1Kosaka – Figure 1
`
`PrDX-67
`
`

`

`
`
`Kosaka Figure 5Kosaka – Figure 5
`
`PrDX-68
`
`

`

`
`
`Kosaka Figure 9Kosaka – Figure 9
`
`PrDX-69
`
`

`

`Kosaka – Figure 10
`
`
`
`/ Kosaka — Figure 10
`
`( A J'
`
`( B ‘J
`
`F ig. 10
`
`50—) Apprgxuumgd distance reflected
`wave level
`‘
`‘
`tfun t
`F IU—I
`mpu
`c ion
`
`( C )
`
`M
`
`S
`
`2—) Risk evaluation value for fiiontwandg
`moving body
`FIIJ—I output functiomf
`FILI—III fust input function
`
`B
`
`5
`
`i D J
`
`M
`
`B
`
`504
`
`Sf4
`1 .
`.
`.
`—> Risk evaluation value in “self Internal
`slate
`.
`FILI—II output function!
`FILI—III second input function
`
`SB
`303
`—> “Self" 5-,];u3i3fi1 main engine mmfign rate,
`operation density.r index
`FlU—ll input function
`
`( E 3
`
`M
`
`S
`
`B
`
`SE
`505
`—) Risk evaluation value for comprehensive
`determination
`
`
`
`PrDX-70
`
`

`

`Kosaka – Figure 11
`
`
`
`Kosaka — Figure 11
`
`Fig. 11
`
`
`
`
`* Demeter, absence ofeonsequent part
`
`FIU-I I] 111133
`
`* Demtes absence ofconsequent part
`
`
`
`PrDX-71
`
`

`

`Miller Testimony – No Rating Factor
`
`in Kosakain Kosaka
`
`
`
`(E 2013 at ¶41 )(Ex. 2013 at ¶41.)
`
`PrDX-72
`
`

`

`Miller Testimony – No Rating Factor
`
`in Kosakain Kosaka
`
`(Ex. 2013 at ¶42.)
`
`PrDX-73
`
`

`

`Miller Testimony – No Rating Factor
`
`in Kosakain Kosaka
`
`(Ex. 2013 at ¶43.) PrDX-74
`
`

`

`Liberty’s Witness O’Neil Cannot
`
`Opine on KosakaOpine on Kosak