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`IPR2014-00543, Paper No. 27
`IPR2014-00544, Paper No. 21
`June 4, 2015
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`UNITED STATES PATENT AND TRADEMARK OFFICE
`____________
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`BEFORE THE PATENT TRIAL AND APPEAL BOARD
`____________
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`MASTERCARD INTERNATIONAL INCORPORATED,
`Petitioner,
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`v.
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`JOHN D'AGOSTINO,
`Patent Owner.
`____________
`
`Case IPR2014-00543 (Patent 8,036,988)
`Case IPR2014-00544 (Patent 7,840,486)
`____________
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`Held: May 12, 2015
`____________
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`
`
`BEFORE SALLY C. MEDLEY, KARL D. EASTHOM, and
`KALYAN K. DESHPANDE, Administrative Patent Judges.
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`
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`The above-entitled matter came on for hearing on Tuesday, May 12,
`2015, commencing at 1:01 p.m., at the U.S. Patent and Trademark
`Office, 600 Dulany Street, Alexandria, Virginia.
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`IPR2014-00543 (Patent 8,036,988)
`IPR2014-00544 (Patent 7,840,486)
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`APPEARANCES:
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`ON BEHALF OF THE PETITIONER:
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`ROBERT C. SCHEINFELD, ESQUIRE
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`HENRY CHEN, ESQUIRE
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`Baker Botts, L.L.P.
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`30 Rockefeller Plaza
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`New York, New York 10112-4498
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`ON BEHALF OF PATENT OWNER:
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`STEPHEN J. LEWELLYN, ESQUIRE
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`WILLIAM R. BREES, ESQUIRE
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`Maxey Law Offices, PLLC
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`100 Second Avenue South
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`Suite 401 North
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`St. Petersburg, Florida 33701
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`IPR2014-00543 (Patent 8,036,988)
`IPR2014-00544 (Patent 7,840,486)
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` P R O C E E D I N G S
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`- - - - -
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`JUDGE DESHPANDE: Good afternoon, everyone. We're
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`here for the hearing for IPR2014-00543 and IPR2014-00544,
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`Mastercard v. John D'Agostino.
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`I'm Judge Deshpande. To my right is Judge Medley. To my
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`left is Judge Easthom. Let's have the parties' appearances. Who do
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`we have for Petitioner?
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`MR. SCHEINFELD: Robert Scheinfeld, Baker Botts.
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`MR. CHEN: Henry Chen, Baker Botts.
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`MR. LEWELLYN: Stephen Lewellyn for D'Agostino.
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`MR. BREES: William Brees for D'Agostino.
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`JUDGE DESHPANDE: Great. Thank you and welcome to
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`the Patent Trial and Appeal Board. We set forth the procedure for
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`today's hearing in our hearing order, but just to remind everybody,
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`each party will have 60 minutes to present arguments. You may
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`allocate your time per case as you see fit. Petitioner has the burden of
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`proof, so Petitioner will argue first. Petitioner may reserve rebuttal
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`time. Subsequently, Patent Owner may present arguments.
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`We remind each party that under no circumstances are they
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`to interrupt the other party. If you have objections, please state so
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`during your time to speak. I will keep track of time and I'll give
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`counselors' warning as they're approaching their time limit. Does
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`anyone have any questions about today's procedure?
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`IPR2014-00543 (Patent 8,036,988)
`IPR2014-00544 (Patent 7,840,486)
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`MR. LEWELLYN: No, Your Honor.
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`JUDGE DESHPANDE: Okay. Petitioner, you may present
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`your arguments first.
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`MR. SCHEINFELD: Good afternoon, Your Honors.
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`MR. CHEN: If I could ask, could we get a little help on the
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`audio-visual equipment? It should be set up.
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`MR. SCHEINFELD: Sorry, Your Honor, would that be
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`acceptable?
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`JUDGE DESHPANDE: Sure.
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`MR. SCHEINFELD: Thank you.
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`MR. CHEN: I think it's working. It's just going to take a
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`second or two.
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`MR. SCHEINFELD: I'll proceed, if that's okay. I'd like to
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`reserve 20 minutes for rebuttal, if that's okay.
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`JUDGE DESHPANDE: Okay.
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`MR. SCHEINFELD: What I'd like to do first, Your Honor,
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`is to address a motion to exclude. Patent Owner submitted a
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`declaration of Edward Gussin that we believe should be excluded
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`from this proceeding under Rule 702 in the case law that covers expert
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`testimony.
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`We believe that Rule 702 in the Sundance case made clear
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`that an expert needs knowledge, expertise, skill, experience, training
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`in the pertinent art and here that's not the case, Your Honor. The
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`pertinent art is secure credit card -- credit cards and we don't believe
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`that Mr. Gussin has that particular experience. In fact, he has no
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`IPR2014-00543 (Patent 8,036,988)
`IPR2014-00544 (Patent 7,840,486)
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`experience in the financial industry, no experience with credit cards or
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`transaction codes or payment categories, no experience in the
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`pertinent art and we believe that's required under Rule 702 in the case
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`law.
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`In fact, if you look at Gussin's declaration -- that would
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`be -- I want to see if I could use this. This is Exhibit Number 2007,
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`Your Honor, I'm about to show you, that I thought I was about to
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`show you. It's not coming up.
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`Regardless, I think I'll proceed and just say that, for
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`example, Mr. Gussin opines in paragraph 38 of his declaration that at
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`most merchant type limit creates an indeterminable numerical limit on
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`a number of merchants with a number greater than one and, similarly,
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`he opines in paragraph 50, Cohen's merchant type limitation, e.g.,
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`limitation to an entire industry of merchants does not fall within this
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`meaning because it does not create a limit to a reasonable, finite
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`number of merchants.
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`We believe that Mr. Gussin has no basis to make these
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`opinions, no basis to make any of the opinions that he sets forth in his
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`declaration because he lacks the fundamental expertise and experience
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`in the pertinent art and, therefore, his declaration should be excluded.
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`I'd like to proceed to claim construction. If you could just
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`show slide 24. There you go. Okay. If we could turn to slide 24. I'm
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`going to start with generating a transaction code in the next line.
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`We believe the Board's construction of this code in its
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`Institution Order was correct. Patent Owner argues that this term
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`IPR2014-00543 (Patent 8,036,988)
`IPR2014-00544 (Patent 7,840,486)
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`needs to be indicative of not just a specific credit card number, but
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`also a payment category. We believe that's incorrect. We believe the
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`specification is clear that it could be either, that it's preferable, the
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`specification at column 6, lines 33 to 37, which states, more
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`specifically, the transaction code is pre-coded to be indicative of a
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`specific credit card account, preferably a merchant or merchant's
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`identification and a designated payment category.
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`We believe the specification makes it clear that the payment
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`category not be included or referenced in the transaction code and
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`that's just a preference and not a requirement, particularly in any
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`claim. Also, Claim 5 of D'Agostino makes it clear -- if you go to the
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`next line -- that -- which reads, the method of Claim 1 further
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`comprising generated transaction code which reflects at least one of a
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`plurality of said payment categories. Here, we think claim
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`differentiation makes clear that Claim 1 does not require the
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`transaction code to reflect a payment category.
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`I'd like to move on into the next term. Unless the Board has
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`any questions, I'll move on to the next term. Defining at least one
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`payment category.
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`JUDGE EASTHOM: Counsel, we're talking about the '988
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`patent; is that correct?
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`MR. SCHEINFELD: Yes.
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`JUDGE EASTHOM: I thought in step E of Claim 1 it says,
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`said transaction code reflecting at least the limits of said designated
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`payment category. Are you saying it doesn't have to reflect the --
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`IPR2014-00544 (Patent 7,840,486)
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`MR. SCHEINFELD: I'm sorry, where are you, Your Honor,
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`'988, Claim 1?
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`JUDGE EASTHOM: Yes, step E, Claim 1, yes. So it says,
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`a transaction code -- said transaction code reflecting at least the limits
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`of said designated payment category.
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`MR. SCHEINFELD: I'm at Claim 1, step B, supplying said
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`custodial authorizing entity with at least account identification data of
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`said customer's account at '988, Claim 1? I'm sorry, maybe it's --
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`JUDGE EASTHOM: I was at step E. Did you have step C?
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`MR. SCHEINFELD: Step E. Oh, generating a transaction
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`code.
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`JUDGE EASTHOM: And then said transaction code
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`reflecting --
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`MR. SCHEINFELD: Reflecting at least the limits of said
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`designated payment category to make a purchase within said
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`designated payment category?
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`JUDGE EASTHOM: Right. I thought your argument was
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`that the code doesn't indicate a payment category. Is that --
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`MR. SCHEINFELD: The code itself need not be construed
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`to include the payment category. There are other limitations in the
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`claim that affect the term transaction code, but the term transaction
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`code need not reflect the payment category and the clause that you
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`read, Your Honor, it's not saying that the transaction code needs to
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`reflect the payment category. It says that the transaction code needs
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`to reflect the limits of said payment category.
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`IPR2014-00544 (Patent 7,840,486)
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`JUDGE EASTHOM: What is that talking about, is that a
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`number?
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`MR. SCHEINFELD: That's a fair question. That's a very
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`fair question. I think it is a number. I think it is -- it's not clear, but
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`our interpretation of that is that it's at the top end of what the payment
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`category can be. It's the top end. So if the payment category is
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`purchases up to a thousand dollars or purchases with clothing stores,
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`purchases at, you know, computer stores --
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`JUDGE EASTHOM: Number of merchants?
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`MR. SCHEINFELD: It's the top number. It's the limit.
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`JUDGE EASTHOM: A limit. Okay.
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`JUDGE DESHPANDE: When you say top number, are we
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`talking about limiting the number of transactions or the top number
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`for the number of merchants?
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`MR. SCHEINFELD: As this is construed, as this language
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`is used in this claim, again, I come back to what the limit of the
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`payment category is. So if the payment category is clothing stores,
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`then it would be the number of clothing stores that fall within that --
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`JUDGE DESHPANDE: When I'm reading this claim, I'm
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`construing this limitation to reference back to limitation C that says
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`limiting a number of transactions to one or more merchants. So under
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`that I'm reading that as the limit, but I'm asking the question as when
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`in that limitation where it says limiting a number of transactions to
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`one or more merchants, are we limiting the number of transactions or
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`are we limiting the number of merchants?
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`IPR2014-00544 (Patent 7,840,486)
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`MR. SCHEINFELD: It's unclear.
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`JUDGE EASTHOM: But the limits in step B refers back to
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`whatever --
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`MR. SCHEINFELD: Step E.
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`JUDGE DESHPANDE: Step E.
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`JUDGE EASTHOM: Step E. Does that refer back to the
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`limits of step C in your view?
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`MR. SCHEINFELD: Yes. Because the antecedent basis
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`that's used in the term the, so that would refer back to at least limiting
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`a number of transactions to one or more merchants.
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`JUDGE EASTHOM: So it's either referring to the number
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`of transactions or the number of merchants according to I think Judge
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`Deshpande's question.
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`MR. SCHEINFELD: Right, that's correct.
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`JUDGE DESHPANDE: The next clause in there says, said
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`one or more merchants limitation. Does that suggest that since it's a
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`one or more merchants limitation that we're limiting the number of
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`merchants?
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`MR. SCHEINFELD: Yes, it does. I mean, that's the
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`payment category. You're limiting the ability of the cardholder to use
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`the card at a certain number of merchants, right.
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`I'll move on, then, to defining at least one payment category.
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`Up here, slide 27, here, the Patent Owner is arguing that this needs to
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`specify the actual limit or limits of a payment category. Again, it's
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`similar in that the -- this is a limit of the -- this is not required by
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`IPR2014-00543 (Patent 8,036,988)
`IPR2014-00544 (Patent 7,840,486)
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`the -- for the construction of payment category. Instead, it's the
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`transaction code reflects the limits as the claim reveals, but the term
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`defining at least one payment category itself doesn't need to specify
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`the actual limit. It's not the broadest reasonable construction.
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`And, also, as we point out in our papers, Claim 38, claim
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`differentiation would indicate or require actually that because Claim
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`38 is talking about the limits of the transactions that are occurring that
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`that claim that the definition of defining at least one payment category
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`need not itself specify the actual limit.
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`JUDGE EASTHOM: Is that important with respect to
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`Cohen? Why is that a --
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`MR. SCHEINFELD: I don't think it's terribly important
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`with respect to Cohen. I think it's important in the sense that they
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`offered a construction that is wrong and it's not based on -- you know,
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`it's not proper. So it's important to us, as the Petitioner, to get the
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`claim constructions correct here in the -- hopefully in light of the
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`event that there is litigation down the road, but I don't believe that this
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`particular term is necessarily crucial in connection with Cohen.
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`The next term may be, that particular merchant. Here, we
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`believe as the Board found in its Institution Decision that a particular
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`merchant needs to be tethered to the transaction that the claims are
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`talking about, that the Board got it right that a particular merchant
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`needs to be the merchant with whom the customer is transacting.
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`On the other hand, the Patent Owner is offering a
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`construction that is not only untethered or tied to the claim, but
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`anything that's disclosed in the specification it's offering a
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`construction for a particular merchant that "a specific merchant with
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`whom a customer can engage in a purchase transaction". That can be
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`any merchant anytime, anywhere.
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`It could be the merchant downstairs with whom I could buy
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`something with cash. It could be the merchant unrelated to any
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`particular payment category, anything that the claim requires, and
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`that's why in the context of the claim, particular merchant should be
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`construed as the Board has already construed it. We also think that
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`the only way to give the word particular meaning is to make sure it's
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`tied to the transaction that's referenced in the claim. Otherwise, the
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`word particular has no real meaning there.
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`And we do believe the file history and the comments that the
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`Patent Owner made in distinguishing some of the art in connection
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`with the parent application supports this view.
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`One or more merchants and single-merchant limitation. One
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`or more merchants, the Board we think got it right that it is any group
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`category or type of merchant is included in the payment category prior
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`to the customer selecting a particular merchant for a transaction. We
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`think that's right.
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`The Board further qualified its construction in the 543
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`decision correctly that one or more merchants allow for one or
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`multiple merchants as any group category or type of merchant. For
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`the single-merchant limitation, we believe the Board got it right here
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`as well.
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`It's a little complicated here, because in one of the Board's
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`decisions on the 543 Institution Decision in connection with the '988
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`patent, the Board made it clear that single merchant allows for only
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`one merchant and that qualification doesn't appear in the other
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`Institution Decision, but we think it's fair to read the Board's
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`qualification in the 543 decision in connection with the construction
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`of single-merchant limitation for the other patent.
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`There are other additional terms that we think are necessary
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`for the Board to construe, to consider construction, and that is
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`defining a payment category before generating a code. The Patent
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`Owner has argued that the term -- that the claims require the definition
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`of a payment category before the code is generated. We believe that's
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`not correct, that that's not a requirement of the claim.
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`Even though they're listed in that order, we don't believe the
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`claim requires that the payment category be defined before generating
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`the code. We think the patent specification makes clear that it's an
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`option so that the patent specification does not require such a narrow
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`reading.
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`So if you look at, for example, in the patent specification,
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`column 6, lines 6 to 7, and 34 to 36, at line 6, such additional
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`information where the cardholder presents or supplies information to
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`the authorizing entity may preferably include the identification of a
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`merchant or merchants involved, but it's not a requirement to get a
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`transaction code.
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`And then later on in column 6, line 32, more specifically, the
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`transaction code is pre-coded to be indicative of a specific credit card
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`account, preferably a merchant or merchant identification and a
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`designated payment category, selected from the plurality of
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`predetermined payment categories as set forth above.
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`So we think the specification makes clear that it's a
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`preference to define a payment category and then generate the code.
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`We also think that claim differentiation supports the view that this is
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`not a requirement. If you looked at --
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`JUDGE DESHPANDE: Before we get to Claim 2, how do
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`we reconcile limitation C, D and E if there's no implicit order there?
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`MR. SCHEINFELD: In Claim 1 or Claim 21?
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`JUDGE DESHPANDE: Claim 1. In Claim 1 we're
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`generating the transaction code and the transaction code reflects the
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`limits of the designated payment category limitation. D is where the
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`payment category is designated and limitation C is where the payment
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`category is defined. If we don't have a defined category, how can we
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`generate a code based on a payment category if we don't know what it
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`is?
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`MR. SCHEINFELD: The transaction code is reflecting the
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`limits, the limits of the designated payment category, not necessarily
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`the payment category.
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`JUDGE DESHPANDE: But we would still need to know
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`the limits of the designated payment category.
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`MR. SCHEINFELD: In this claim in that, that's correct, but
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`that's not just claim construction. That's just -- that's the -- well, that's
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`fair to consider it for claim construction, but, again, it's not the
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`designated payment category that needs to be reflected in the code.
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`And our view is further supported by Claim 2 and Claim 5.
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`Claim 2 talks about a temporal limitation to this claim. The Patent
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`Owner, the inventor, and their attorney knew how to claim a temporal
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`limitation. When it wanted to have a sequence, it says so. The claim
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`say -- Claim 2 says, comprising the step of designating at least one of
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`code. That's not in Claim 1 and that's why it's in Claim 2.
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`And the same thing with Claim 5. Claim 5 says, the method
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`of Claim 1 further comprising generating a transaction code which
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`reflects at least one of a plurality of said payment categories. So there
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`you have a code. There you have a code, transaction code necessarily
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`reflecting a plurality of payment categories, whereas, before it didn't
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`have to. In Claim 1 it didn't have to. It has -- it has the limits.
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`JUDGE EASTHOM: Can you walk us through -- so, in
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`other words, you're contending that someone would pick up the phone
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`and exchange a credit card number and obtain a certain number of
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`transactions say, but they wouldn't get the number of transactions.
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`The bank, the entity that's selling this particular item would send back
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`a code and then later specify the number of transactions for that code
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`or is that --
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`MR. SCHEINFELD: Well, as disclosed in Cohen, the
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`customer picks up the phone and says, I want to limit my card to -- it
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`goes both ways. I want to limit my card to clothing stores and you get
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`your code. I want a code and I want to limit it to clothing stores. It
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`can work both ways. There are only two ways to do it. Cohen
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`reflects and discloses both ways.
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`JUDGE DESHPANDE: I think the question is what way do
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`the claims require us to do it, even though if -- even if we suggest
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`Cohen does it both ways, what way does Claim 1 require we do it?
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`MR. SCHEINFELD: Claim 1 doesn't require either way. It
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`doesn't require that you define the payment category before the
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`transaction code. You could get the transaction code, which reflects
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`the limits of a payment category, but not necessarily the payment
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`category itself. That's Claim 1 and then Claim 2 --
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`JUDGE DESHPANDE: How would we know what the
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`limits of the payment category are in order to generate the transaction
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`code without knowing what the payment category is?
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`MR. SCHEINFELD: I know that the most I could use this
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`card for is 10 stores and then, okay, I'm going to issue a transaction
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`code that sets that limit. Now I'm going to say -- and I'm only going
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`to use this for clothing stores and then I'm going to have a transaction
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`code that reflects the limits of that payment category and move on.
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`So, I mean, it's a hypothetical and it's fair to raise it, but I do
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`think there's -- that given the context of the claim and the other claims
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`that follow it when there is a temporal limitation that it's fair to -- that
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`the claim not be construed to require a payment category, a
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`transaction code.
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`And, you know, I'll also point out, Claim 21. Claim 21(b)
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`says, I want to -- I'm requesting. I'm requesting a transaction code to
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`make a purchase within a payment category that at least limits the
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`transactions. So there there's no definition of the payment category
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`before the transaction code.
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`The customer is calling up and say, I'm requesting a
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`transaction code and I want it, you know, to make a purchase within a
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`payment category, but it doesn't mean that the payment category is
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`first defined and then the code is generated, but that's construction.
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`You know, that's our view. You know, we don't believe that there is a
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`sequential requirement for Claim 1 or Claim 21, particularly in view
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`of the claims that follow it, Claims 2 and Claims 5, but, regardless,
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`Cohen discloses both ways.
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`And if you go to 487, Henry. You'll see -- and this is, by the
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`way, where the CRU got its decision wrong where there was no
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`analysis of this particular paragraph. Column 3, lines 40 to 55.
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`Where a customer dials -- calls up a credit card company and is
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`provided with a code, a transaction code, or a card number, a
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`disposable customized number, and it also says, in one embodiment a
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`user can indicate in advance of the purchase on a telephone call with
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`the credit card company what the single use or customized credit card
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`is to be used for. Does that -- and then the card with that limit is
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`shipped to the cardholder. So, here, you have a situation where the
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`payment category is defined before the card code is shipped to the
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`cardholder.
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`But beyond that, beyond this disclosure here, which the
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`Board correctly relied on in its Institution Decision, I think there's -- I
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`think it's worth it to draw this, if this is going to work.
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`JUDGE EASTHOM: Was our Institution Decision
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`published before the CRU’s?
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`MR. SCHEINFELD: Yes, it was. I'm going to have to read
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`it, sorry. So I think what the CRU didn't consider, or at least there's
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`paragraph was not reflected in the Institution Decision. We think it's a
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`very important one and that's on column 3, lines 36 to 66, and this is
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`referenced in our reply brief.
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`JUDGE MEDLEY: Did you say 36?
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`MR. SCHEINFELD: I said 56.
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`JUDGE MEDLEY: 56. Thank you.
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`MR. SCHEINFELD: Column 3, line 56 to 66. So, here, in
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`another embodiment in Cohen, a user could be provided, each month
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`or each year, with a set of disposable, one time only, or customized,
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`limited use, numbers and/or cards, which are printed on the credit card
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`statement for use during the next month or year, or which are mailed
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`to the user. With respect to the disposable card, the user is instructed
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`that, after use of the number once, the number may not be used again.
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`And here's the kicker here, so with respect to the customized
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`card, the card that's limited by use, the cards can either be preset for
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`certain uses, or the cards can be ready and waiting in the user's office
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`or home for setting to the desired use when the user is ready.
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`So the last clause clearly, or the cards can be ready and
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`waiting in the user's office or home for setting to the desired use when
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`the user is ready, the code is sent to the user and when the user is
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`ready, he picks up the phone and says, I have this code, I have this
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`card, I want to limit it to clothing stores. That's clearly that option.
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`But the first option is just the opposite. With respect to the
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`customized card, the cards can either be preset for certain uses. In this
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`case the card is preset with a payment category and then the
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`transaction code is issued, and that's exactly what -- assuming the
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`Board construes the claim as requiring a payment category defined
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`first before generating a code, that's exactly what Cohen discloses.
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`So in this column, column line -- column 3, lines 40 to 55,
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`and then 55 to 57, anticipates the claims of D'Agostino, particularly
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`because they show defining a payment category both ways before and
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`after generating a code.
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`JUDGE EASTHOM: So in your view you're saying that
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`Claim 1 must be read to have both options, otherwise, Claim 2 doesn't
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`further limit Claim 1.
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`MR. SCHEINFELD: That's correct. And I'll add that Claim
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`2 shows that when the inventor wanted to have a sequence or a
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`temporal limitation in a particular order, he knew how to do it. They
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`knew how to claim it and that's Claim 2. They didn't do that for
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`Claim 1 and that's why, you know, I believe that Claim 2 has that
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`option.
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`But, you know, again, you know, regardless, Cohen
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`discloses both ways of doing this, but it is important to get claim
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`construction correct. I mean, there's no question about it and I think
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`that in this particular case, claim -- you know, Claim 1 is not -- need
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`not have that sequence requirement option.
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`JUDGE EASTHOM: So you're contending basically that
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`one of skill in the art or the patentholder here had possession of this
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`idea that they could send out a code and then manipulate the
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`parameters that the code defines after the code has already been sent
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`out. In other words --
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`MR. SCHEINFELD: That's correct.
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`JUDGE EASTHOM: And do you have any basis for that in
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`the patent that it says that that --
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`MR. SCHEINFELD: Well, yeah, I mean, in the D'Agostino
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`patent that I -- in the D'Agostino patent?
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`JUDGE EASTHOM: Right.
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`MR. SCHEINFELD: Yeah. I mean, I do in the sense of the
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`language that I read earlier, which talks about the transaction code
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`preferably reflecting the payment category, meaning that it not
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`necessarily reflect the payment category, and that's in the
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`specification. So according to the spec, it could be both ways.
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`With that, I'll move on to the single-merchant limitation.
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`Thank you for your patience with this. I appreciate it.
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`IPR2014-00544 (Patent 7,840,486)
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`JUDGE EASTHOM: We do have paper copies of
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`similar -- most of the material and also on-line copies, so I don't know
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`if that helps you with your presentation.
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`MR. SCHEINFELD: I'm good to go. This is -- if you could
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`go to slide 37, Henry.
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`So the single-merchant limitation, the Patent Owner is
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`spending a lot of time with and I anticipate will when he stands up
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`here. There are three components to the single-merchant limitation.
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`One is that the payment category need to be for a single merchant.
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`And the other that the Patent Owner -- the second that the Patent
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`Owner requires or argues is required by the claim.
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`JUDGE EASTHOM: Is this Claim 21?
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`MR. SCHEINFELD: Claim 21. Claim 21 in the '988 and
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`all the claims in the other patent are single-merchant limitations.
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`So for Claim 21 in the '988 patent, he's arguing that because
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`there's a phrase here transactions that the claim necessarily requires
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`that the cardholder be able to perform more than one transaction with
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`a single merchant. That's the second component to the
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`single-merchant limitation.
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`The third component is that the single merchant cannot be
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`identified until later that -- you know, that the single merchant needs
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`to be defined prior to any particular merchant being identified. So
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`those are the three components.
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`You know, I'd like to address again claim construction first
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`because I think it's important to address claim construction before you
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`IPR2014-00543 (Patent 8,036,988)
`IPR2014-00544 (Patent 7,840,486)
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`talk about anticipation. In here the phrase, the Patent Owner is
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`arguing that the single merchant limitation, and particularly this Claim
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`21 requires that the payment category be limited to a plurality of
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`transactions to a single merchant. We think that's wrong.
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`We think that Claim 21 does not require multiple
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`transactions with a single merchant. We think that the claim itself
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`makes that clear. Because the Claim 21(b) says, receiving a request
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`from said accountholder for a transaction code to make a purchase.
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`So that's one purchase and then in paragraphs (e) and (f), receiving a
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`request to authorize payment for a purchase using said transaction
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`code. Again, singular, purchase is singular.
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`And then 21(f) being authorizing payment for said purchase,
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`one purchase, if said purchas