`Docket #20661/438
`
`-;i.1s?:i.J 115
`
`CERTff!CATE Of
`
`BY E(PRESS
`
`Lapel No. 'Iij.,
`"EXPRESS MAIL"
`./7.t,(,,
`Date of
`I hereby cer ti r y :e1ia t this
`or fee
`is being ·deposJ tea with the U.S. Postal
`Service "Express
`Po.sc Office to
`Addressee" sen·iC:e under 3.7 CFR 1.10 O:".
`the date tndicated above and ls
`
`METHOD, APPARATUS, AND SYSTEM FOR TRANSFERING
`UNITS OF VALUE
`
`RELATED APPLICATIONS
`
`This application claims
`
`the benefit of U.S.
`
`Provisional
`
`Application
`
`No.
`
`60/004,510,
`
`filed
`
`September 29, 1995.
`
`5
`
`The
`
`following applications of
`
`common assignee
`
`contains
`
`related
`
`subject matter
`
`and
`
`are
`
`hereby
`
`incorporated by reference:
`
`Serial No.: unknown, filed January 31,· 1996,
`
`entitled METHOD, APPARATUS, SYSTEM AND FIRMWARE FOR
`
`10
`
`SECURE TRANSACTIONS;
`
`IPDAL' 7297 J. 1I20661-438
`
`244MAX001207
`
`Maxim Integrated Products Ex. 2007
`Compass Bank et al. v. Maxim, CBM2015-00102
`Page 2007-1
`
`
`
`no
`l'!J/
`
`1
`
`J...;t
`
`• .) )
`
`Patent Application
`Docket #20661/438
`
`ial No.: unknown, filed January 31, 1996,
`
`TRANSFER OF VALUABLE INFORMATIONBETWEF;N A
`
`ODULE AND ANOTHER MODULE.
`
`BACKGROUND OF THE INVENTION
`
`5
`
`Technical Field of the Invention
`
`The present invention relates to a method, apparatus
`
`and system for transferring money or its equivalent
`
`electronically.
`
`In particular, in an electronic module
`
`based
`
`the module can be configured to provide at
`
`10
`
`least secure data transfers or to authorize monetary
`
`transactions.
`
`Description of Related...-AU;.
`
`Presently, credit cards that have a magnetic strip
`
`associated with
`
`them,
`
`are
`
`a
`
`preferred monetary
`
`15
`
`transaction medium in the market place. A card user can
`
`take the card to an automatic cash machine, a local store
`
`or a bank and make monetary transactions.
`
`In many
`
`instances the card is used, via a telephone interface to
`
`make monetary exchanges. The magnetic strip card is used
`
`20
`
`to help identify the card and user of the card. The card
`
`provides a relatively low level cf
`
`:3ecurity for the·
`
`I
`
`7297 l. l / 20661-4 38
`
`2
`
`I
`I
`
`244MAX001208
`
`Maxim Integrated Products Ex. 2007
`Compass Bank et al. v. Maxim, CBM2015-00102
`Page 2007-2
`
`
`
`with.
`
`The certificate can contain
`
`a variety of
`
`information.
`
`In particular, the certificate may contain:
`
`Patent Application
`Docket #20661/438
`
`1)
`
`who
`
`is
`
`the module user via
`
`a
`
`unique
`
`registration number.
`
`5
`
`2)
`
`when the transaction took place via a true-time
`
`stamping of the transaction.
`
`3)
`
`where
`
`the
`
`transaction
`
`took place via
`
`a
`
`registered
`
`module
`
`interface
`
`si.te
`
`identification.
`
`10
`
`4)
`
`security information via uniquely serialized
`
`transactions and digital signitures on message
`
`digests.
`
`5)
`
`module status indicated as valid,
`
`lost., or
`
`1 expired.
`
`15
`
`Al though a preferred embodiment of the method and
`
`apparatus of the present invention has been illustrated
`
`I PDAL' 72973. 1/20661-138'
`
`118
`
`244MAX001324
`
`Maxim Integrated Products Ex. 2007
`Compass Bank et al. v. Maxim, CBM2015-00102
`Page 2007-3
`
`
`
`Patent Application
`Docket #20661/438
`
`in
`
`the accompanying Drawings and described
`
`in
`
`the
`
`foregoing Detailed Description, it will be understood
`
`that
`
`the
`
`invention is not
`
`limited t:o
`
`the embodiment
`
`disclosed, but is capable of numerous rearrangements,
`
`, 5
`
`modifications and substitutions without departing from
`
`the spirit of the invention as set forth and defined by
`
`the following claims.
`
`I PDl'IL: 72 973. i/ 20 6 61-438
`
`119
`
`244MAX001325
`
`Maxim Integrated Products Ex. 2007
`Compass Bank et al. v. Maxim, CBM2015-00102
`Page 2007-4
`
`
`
`Patent Application
`Docket #20661/438
`
`WHAT IS CLAIMED IS:
`
`1.
`
`A method for adding a monetary equivalent to an
`
`electronic module, comprising the steps of:
`
`a.
`
`placing the module in communicat:'..on with an
`
`electronic device;
`
`b.
`
`indicating
`
`an
`
`amount
`
`requested
`
`to
`
`said
`
`electronic device;
`
`c.
`
`communicating a random number from said module
`
`to said electronic device;
`
`d.
`
`combining said random number and said amqunt
`f:.t I
`,,111¢
`in said
`
`requested thereby creating a first da1:a
`
`electronic device;
`
`e.
`
`encrypting said first data packet with a first
`
`...
`
`1
`
`2
`
`3
`
`4
`
`5
`
`6
`
`7
`
`8
`
`9
`
`10
`
`11
`
`12
`
`·1j
`
`key
`
`thereby creating a
`
`signed certificate
`
`in said
`
`14
`
`15
`
`16
`
`17
`
`18
`
`19
`
`electronic device;
`
`f.
`
`communicating said signed certificate from said
`
`electronic device to safd module;
`
`g.
`
`decrypting said signed
`
`module with a second key thereby
`
`certificate in said
`. ·
`/
`creating a
`
`.... ·.·.··
`
`.
`
`random number and a decrypted amount requested;
`
`I?DAL,72973.1/20661·08
`
`120
`
`244MAX001326
`
`Maxim Integrated Products Ex. 2007
`Compass Bank et al. v. Maxim, CBM2015-00102
`Page 2007-5
`
`
`
`Patent Application
`Docket #2 06 61I4 3.8
`
`h.
`
`comparing
`
`said
`
`random
`
`number with
`
`said
`
`decrypted random number and determining if they match in
`
`said module; and
`
`i.
`
`adding said- decrypted amount. requested to a
`
`money register in said module.
`
`2.
`
`The method of claim 1,
`
`further comprising,
`
`after step b,
`
`the step of communicating- a module
`
`identification
`
`from said module
`
`to said electronic
`
`device.
`
`3.
`
`The method of claim 2, wherein the step d of
`
`combining further comprises the step of combining said
`
`module indentification with said random number and said
`
`amount requested prior thereby c:reatin9 said first data
`
`packet in said electronic device.
`
`4.
`
`The method of claim 3, wherein the step of g of
`
`decrypting further comprises
`
`the step of creating a
`
`decrypted module identification.
`
`20
`
`21
`
`22
`
`23
`
`24
`
`1
`
`2
`
`3
`
`4
`
`1
`
`2
`
`3
`
`4
`
`5
`
`1
`
`2
`
`3
`
`HDAL,72973.1/20661-438
`
`121
`
`244MAX001327
`
`Maxim Integrated Products Ex. 2007
`Compass Bank et al. v. Maxim, CBM2015-00102
`Page 2007-6
`
`
`
`Patent Application
`Docket #20661/438
`
`5.
`
`The method of claim 4, wherein the step h of
`
`comparing further comprises the step of comparing said
`
`module
`
`identification
`
`and
`
`said
`
`decrypted module
`
`identification and determining if they match.
`
`6.
`
`method of claim 1, wherein said
`
`is
`
`portable.
`
`7.
`
`The method of claim 1, wherein said first key
`
`is a private key and said second key is a public key.
`
`8.
`
`The method of claim 1, wherein said module is
`
`programmable.
`
`9. Method of metering a monetary equivalent out of
`
`a
`
`and into an electronic equipment, comprising the
`
`steps of:
`
`a.,
`
`placing
`
`said
`
`electror.ic
`
`equipment
`
`in
`
`communication with said module;
`
`b.
`
`reading
`
`a module
`
`identifier with
`
`said
`
`electronic equipment;
`
`1
`
`2
`
`3
`
`4
`
`1
`
`2
`
`1
`
`2
`
`1
`
`2
`
`1
`
`2
`
`3
`
`4
`
`5
`
`6
`
`7
`
`IPDAL: 7297 J. 1/20661-438
`
`122
`
`244MAX001328
`
`Maxim Integrated Products Ex. 2007
`Compass Bank et al. v. Maxim, CBM2015-00102
`Page 2007-7
`
`
`
`Patent Application
`Docket #20661/438
`
`c.
`
`combining a first random number, a number of
`
`units to be metered and said module ;Ldentifier in said
`
`electronic equipment
`
`thereby creating
`
`a
`
`first data
`
`packet;
`
`d.
`
`encrypting said first data packet
`
`in said
`
`electronic equipment with a first key thereby creating an
`
`encrypted first data packet;
`
`e.
`
`passing said encrypted first data packet and a
`
`requested monetary value from said electronic equipment
`
`to said module;
`
`f.
`
`subtracting said requested monetary value from
`
`a money register in said module; and
`
`g.
`
`incrementing
`
`a
`
`transaction ccunt
`
`in said
`
`module.
`
`io. The method of claim 9, wherein after step g
`
`said method further comprises the stE:ps of:
`
`h.
`
`combining
`
`said
`
`transaction
`
`count,
`
`said
`
`requested monetary value, and said encrypted first data
`
`packet in said module and thereby creating a second data
`
`packet;
`
`8
`
`9
`
`10
`
`11
`
`12
`
`13
`
`14
`
`15
`
`16
`
`17
`
`18
`
`19
`
`20
`
`21
`
`1
`
`2
`
`3
`
`4
`
`/5
`
`6
`
`!PDAL' 72 97 3 .1 I 20661-08
`
`123
`
`244MAX001329
`
`Maxim Integrated Products Ex. 2007
`Compass Bank et al. v. Maxim, CBM2015-00102
`Page 2007-8
`
`
`
`Patent Application
`Docket #20661/438
`
`i.
`
`encrypting said second data packet with a
`
`second key in said module thereby creating an encrypted
`
`second data packet; and
`
`j .
`
`passing said encrypted second packet to said
`
`electronic equipment.
`
`11. The method of claim 10, furth•=r comprising the
`
`steps of:
`
`k.
`
`decrypting said encrypted second data packet
`
`with a third key in said electronic e:quiprr.ent thereby
`
`creating a decrypted second data packet;
`
`1.
`
`determining whether said -requested monetary
`
`amount sent to said module is the
`
`;3ame as
`
`in said
`
`decrypted second data packet; and
`
`m.
`
`determining whether said encrypted first data
`
`packet sent
`
`to said module is . the
`
`;Sarne as
`
`in said
`
`decrypted second data packet.
`
`12. The method cif claim 10, further comprising the
`
`steps of:
`
`o.
`
`sending said encrypted second data packet from
`
`said electronic
`
`to a provider;
`
`7
`
`8
`
`9
`
`10
`
`11
`
`1
`
`2
`
`3
`
`4
`
`5
`
`6
`
`7
`
`8
`
`9
`
`10
`
`11
`
`1
`
`2
`
`3
`
`4
`
`!PDAL,72973. l / 20661-438
`
`124
`
`244MAX001330
`
`Maxim Integrated Products Ex. 2007
`Compass Bank et al. v. Maxim, CBM2015-00102
`Page 2007-9
`
`
`
`Patent Application
`Docket #20661/438
`
`p.
`
`decrypting said encrypted second data packet
`
`with a fourth key by said provider; and
`
`q.
`
`decrypting said encrypted first data packet
`
`with a fifth
`
`by
`
`provider.
`
`13. The method of claim 9, wherein said encryption
`'
`step utilizes a predetermined encryption technique.
`
`14. The method
`
`of
`
`claim
`
`13' wherein
`
`said
`
`predetermined encryption technique is an RSA technique.
`
`15. The method of claim 9, wherein said module is
`
`programmable.
`
`16.
`
`encrypted
`
`an
`
`a
`
`receiving and transmitting
`
`circuit
`
`connected
`
`to
`
`said
`
`input/output in
`
`r a c •7
`
`a
`
`circuit,
`
`\ connected
`
`to
`
`said
`
`microprocesso
`I
`
`for performinq encryption and
`
`said apparatus being adapted to
`
`5
`
`6
`
`7
`
`8
`
`1
`
`2
`
`1
`
`2
`
`1
`
`2
`
`l
`
`2
`
`3
`
`4
`
`5
`
`6
`
`7
`
`8
`
`·rPDAL: 72973 .1/20661-438
`
`125
`
`244MAX001331
`
`Maxim Integrated Products Ex. 2007
`Compass Bank et al. v. Maxim, CBM2015-00102
`Page 2007-10
`
`
`
`receive an encrypted
`
`ta packet and being adapted to
`
`decrypt
`
`data packet via a key.
`
`I'atent Application
`Docket #20661/438
`
`17.
`
`used
`
`wherein said key
`
`algorithm.
`
`18. The
`
`of claim 16, wherein said
`
`apparatus is a
`
`ct portable module
`
`19. The
`
`of claim 16, wherein said
`
`input/output
`
`at least a single conductive
`
`contact.
`
`20. The
`
`0
`
`claim 16, wherein said
`
`input/output in
`
`s a one-wire in:t:erfa)Ce.
`
`21.
`
`paratus for receiving and transmitting
`
`encrypted
`
`comprising:
`
`an
`
`a
`
`interface;
`
`circuit
`
`connected
`
`to
`
`said
`
`input/output interface;
`
`9
`
`10
`
`1
`
`2
`
`1
`
`2
`
`1
`
`2
`
`3
`
`1
`
`2
`
`1
`
`2
`
`3
`
`4
`
`s
`
`IPDAL:72973. l/ 20651-438
`
`126
`
`244MAX001332
`
`Maxim Integrated Products Ex. 2007
`Compass Bank et al. v. Maxim, CBM2015-00102
`Page 2007-11
`
`
`
`Patent Application
`Docket #20661/438
`
`6
`
`7
`
`8
`
`9
`
`a
`
`coprocessor
`
`ircuit,
`
`connected
`
`to
`
`said
`
`microprocessor circuit
`
`for performin9. encryption and
`
`decryption algorithms, said apparatus being adapted to
`
`encrypt a data packet using a key and to transmit said
`
`10
`
`encrypted data packet ut of said input/output interface.
`
`1
`
`2
`
`1
`
`2
`
`1
`
`2
`
`1
`
`2
`
`3
`
`1
`
`2
`
`3
`
`22. The apparat s of.claim 21, wherein said data
`
`packet contains at 1 ast a random number.
`
`23. The
`
`of claim 21, wherein said
`
`apparatus
`
`24. The
`
`of claim
`
`2:::, f wherein said
`
`apparatus is prog ammable via object oriented software.
`
`25. The
`
`apparatus
`
`pairs.
`
`21, wherein said
`
`)f producing random encryption key
`
`26. The a paratus of claim 21, further comprising
`
`memory means f r storing a predetermined program, said
`
`memory means b ing connected to said microprocessor.
`
`I PDAL: 72 97 3. 1I20661-4 38
`
`1:27
`
`244MAX001333
`
`Maxim Integrated Products Ex. 2007
`Compass Bank et al. v. Maxim, CBM2015-00102
`Page 2007-12
`
`
`
`Patent Application
`Docket #20661/438
`
`27.
`
`f claim 21, further comprising
`
`a
`
`transaction
`
`for
`
`count inq
`
`a
`
`number of
`
`transactions
`
`transaction
`
`microprocessor.
`
`28.
`
`a timing
`
`apparatus
`
`performs,
`
`said
`
`being
`
`connected
`
`to
`
`said
`
`comprising
`
`1me stamping trans::tctions performed
`
`timing circuit being connected to
`
`1
`
`2
`
`3
`
`4
`
`5
`
`1
`
`2
`
`3
`
`4
`
`IPDAL:7297J .1/ 20661-436
`
`128
`
`244MAX001334
`
`Maxim Integrated Products Ex. 2007
`Compass Bank et al. v. Maxim, CBM2015-00102
`Page 2007-13
`
`
`
`Patent Application
`Docket #20661/438
`
`ABSTRACT OF THE DISCLOSURE
`
`The present
`
`invention relates
`
`to an eleotronic
`
`module used for secure transactions.
`
`specifically,
`
`the electronic module is capable of passin9 encrypted
`
`5
`
`information back and forth between a service provider's
`
`equipment via a secure, encrypted technique so that money
`
`and other valuable data
`
`can
`
`be
`
`securely passed
`'
`is capable of being
`
`electronically.
`
`The module
`
`programmed,
`
`keeping
`
`track of
`
`real
`
`time,
`
`recording
`
`10
`
`transactions for later review, and creating encryption
`
`key pairs.
`
`I PDAL,72 97 3. 1I20661-4 38
`
`129
`
`j
`
`244MAX001335
`
`Maxim Integrated Products Ex. 2007
`Compass Bank et al. v. Maxim, CBM2015-00102
`Page 2007-14