1111111111111111111111111111111111111111111111111111111111111
`US006029154Cl
`c12) EX PARTE REEXAMINATION CERTIFICATE (6342nd)
`United States Patent
`US 6,029,154 Cl
`c1o) Number:
`Pettitt
`(45) Certificate Issued:
`Aug. 5, 2008
`
`111111
`
`(54) METHOD AND SYSTEM FOR DETECTING
`FRAUD IN A CREDIT CARD TRANSACTION
`OVER THE INTERNET
`
`(75)
`
`Inventor: John Philip Pettitt, Los Altos, CA (US)
`
`(73) Assignee: Cybersource Corporation, Mt. View,
`CA (US)
`
`Reexamination Request:
`No. 90/007,268, Oct. 26, 2004
`
`Reexamination Certificate for:
`6,029,154
`Patent No.:
`Feb. 22, 2000
`Issued:
`08/901,687
`Appl. No.:
`Jul. 28, 1997
`Filed:
`
`(51)
`
`Int. Cl.
`G06Q 40100
`G06Q 20100
`
`(2006.01)
`(2006.01)
`
`4,897,811 A
`4,949,257 A
`4,958,375 A
`5,175,682 A
`5,177,342 A
`5,206,488 A
`5,245,657 A
`5,291,550 A
`5,305,195 A
`5,311,594 A
`5,335,265 A
`5,336,870 A
`
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`4/1994 Murphy
`5/1994 Penzias
`8/1994 Cooper et al.
`8/1994 Hughes eta!.
`
`(Continued)
`
`FOREIGN PATENT DOCUMENTS
`
`EP
`EP
`EP
`wo
`wo
`wo
`wo
`
`0418144 A1
`1081665 A1
`0468229 A2
`wo 94/06103
`W0-96/31043
`W097/00483 A1
`WO 98/54667 A1
`
`3/1991
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`3/1994
`10/1996
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`
`(52) U.S. Cl. .............................. 705/44; 705/38; 705/39;
`705/79
`(58) Field of Classification Search ........................ None
`See application file for complete search history.
`
`(56)
`
`References Cited
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`
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`U.S. PATENT DOCUMENTS
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`(Continued)
`
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`
`Primary Examiner-Jeanne M Clark
`
`(57)
`
`ABSTRACT
`
`A method and system for detecting fraud in a credit card
`transaction between consumer and a merchant over the Inter(cid:173)
`net. The method and system comprises obtaining credit card
`information relating to the transaction from the consumer;
`and verifYing the credit card information based upon a vari(cid:173)
`ety of parameters. The variety of parameters are weighted so
`as to provide a merchant with a quantifiable indication of
`whether the credit card transaction is fraudulent. In so doing,
`an integrated verification system is provided which allows a
`merchant, or the like, to accurately and efficiently determine
`the validity of the transaction over the Internet.
`
`DETERMINE TRANSACTIONS
`PROCESSED UTILIZING
`INTERNET ADDRESS
`
`1-- 302
`
`CONSTRUCT MAP BASED
`UPON TRANSACTIONS
`
`1-- 304
`
`USED MAPPED TRANSACTIONS
`TO DETERMINE IF A NEW CREDIT
`CARD TRANSACTION IS VALID
`
`. / 306
`
`Ex. 1017 - 1/4
`
`

`

`US 6,029,154 Cl
`Page 2
`
`U.S. PATENT DOCUMENTS
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`
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`Cybersource,
`"CyberSource Advanced Fraud Screen
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`API, Version 1.10, SCMP API, Jul. 2004, 102 pages.
`Cybersource Corporation, "Fraud Control System," cyber(cid:173)
`source.com, Copyright date 1996, 1 page.
`Cybersource, "Frequently Asked Questions-What is the
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`rization Service Enchanced with a Powerful Fraud Screen(cid:173)
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`net as the Competitor to the POTS Network," Feb. 28, 1996,
`available at http://itel.mit.edu>.
`
`Ex. 1017 - 2/4
`
`

`

`US 6,029,154 Cl
`Page 3
`
`Solomon, Richard Jay, "Anything you can do, I can do bet(cid:173)
`ter; I can do anything better than you ... ," MIT Research Pro(cid:173)
`gram on Cummunication Policy, available at http://itel.
`mit.edul>, which states "Presented at the Columbia Institute
`of Tele-information' s The Impact of Cybercommunications
`on Telecommunications, Mar. 8, 1996."
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`Long Distance Voice Market", Jan. 14, 1995
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`http:/www.micom.cornl>.
`("email:
`"John Pettitt"
`from
`Mar. 3, 1996 email
`jpettitt@well.sf.ca.us (home); jpp@software.net (work)") ,
`available at <http:/ /www.xent.com.spring96/0252.html>.
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`volume7 /V7%23028.
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`tional Conference (1995).
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`(as of at least Jul. 11, 1997) ).
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`
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`1996).
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`1997), www.cybersource.com/products/fcs.html as of Jan.
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`96043001.html as of Apr. 30, 1996, archived at http://we(cid:173)
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`scullin95realtime.html.
`
`Ex. 1017 - 3/4
`
`

`

`US 6,029,154 Cl
`
`1
`EX PARTE
`REEXAMINATION CERTIFICATE
`ISSUED UNDER 35 U.S. C. 307
`
`THE PATENT IS HEREBY AMENDED AS
`INDICATED BELOW.
`
`Matter enclosed in heavy brackets [ ] appeared in the
`patent, but has been deleted and is no longer a part of the
`patent; matter printed in italics indicates additions made
`to the patent.
`
`AS A RESULT OF REEXAMINATION, IT HAS BEEN
`DETERMINED THAT:
`
`Claims 1, 2 and 3 are determined to be patentable as
`amended.
`
`10
`
`15
`
`20
`
`1. A method for detecting fraud in a credit card transaction
`between a consumer and a merchant over the Internet com(cid:173)
`prising the steps of:
`receiving, from the consumer, credit card information
`relating to the transaction;
`creating and storing a consistency check mechanism, a 25
`history check mechanism, an automatic verification
`mechanism and an Internet identification mechanism,
`each of which may indicate whether the credit card
`transaction is fraudulent based on transaction
`information, in combination with information that iden- 30
`tifies the consumer, in which the transaction informa(cid:173)
`tion provides the merchant with a quantifiable indica(cid:173)
`tion of whether the credit card transaction is fraudulent;
`receiving from the merchant and storing a weight value
`associated with each of the mechanisms and storing the 35
`weight value in association with information that iden(cid:173)
`tifies the mechanisms, wherein each of the weight val(cid:173)
`ues signifies an importance to the merchant of the value
`to the credit card transaction of the associated mecha-
`nism;
`weighting each value of the plurality of parameters
`according to the weight values;
`determining whether the credit card information is
`fraudulent, based upon the values of the parameters and
`the weight values;
`communicating to the merchant, over the Internet, an indi(cid:173)
`cation whether the credit card information is fraudu(cid:173)
`lent;
`
`40
`
`45
`
`2
`wherein the steps of creating and storing further include:
`obtaining information about other transactions [utilizing]
`that have utilized an Internet address that is identified
`with the credit card transaction;
`constructing a map of credit card numbers based upon the
`other transactions; and
`utilizing the map of credit card numbers to determine if
`the credit card transaction is valid.
`2. A computer readable medium containing program
`instructions for detecting fraud in a credit card transaction
`between a consumer and a merchant over the Internet,
`wherein execution of the program instructions by one or
`more processors of a computer system causes the one or
`more processors to carry out the steps of:
`a) obtaining credit card information relating to the trans-
`actions from the consumer; and
`b) verifying the credit card information based upon values
`of plurality of parameters, in combination with infor(cid:173)
`mation that identifies the consumer, and that may pro(cid:173)
`vide an indication whether the credit card transaction is
`fraudulent,
`wherein each value among the plurality of parameters is
`weighted in the verifying step according to an
`importance, as determined by the merchant, of that
`value to the credit card transaction, so as to provide the
`merchant with a quantifiable indication of whether the
`credit card transaction is fraudulent,
`wherein execution of the program instructions by one or
`more processors of a computer system causes that one
`or more processors to carry out the further steps of;
`obtaining information about other transactions [utilizing]
`that have utilized an Internet address that is identified
`with the credit card transaction; constructing a map of
`credit card numbers based upon the other transactions;
`and utilizing the map of credit card numbers to deter-
`mine if the credit card transaction is valid.
`3. A method for verifying the validity of a credit card
`transaction over the Internet comprising the steps of:
`a) obtaining information about other transactions [utiliz(cid:173)
`ing] that have utilized an Internet address that is identi(cid:173)
`fied with the the credit card transaction;
`b) constructing a map of credit card numbers based upon
`the other transactions and;
`c) utilizing the map of credit card numbers to determine if
`the credit card transaction is valid.
`
`* * * * *
`
`Ex. 1017 - 4/4
`
`