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`complying with established law -- especially when failing to do so could result
`
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`in fines or imprisonment. The claimed inventions of the iSourceLoans patents
`
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`were therefore obvious and they should not have been granted in the first
`
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`place.
`
`5AF=H=JAO231BEA@=JJ=BIEN124FAJEJEIHAGKAIJECJDA7526J=A=
`Separately, PQI filed a total of six IPR petitions requesting the USPTO take a
`
`IA?@=JJDHAAF=JAJIMA@>OO=JO+LAHIE5OIJAI
`second look at three patents owned by Loyalty Conversion Systems
`
`+HFH=JEO=JO+LAHIE5OIJAIEI=FH=?JE?ECAJEJO>=IA@E
`Corporation. Loyalty Conversion Systems is a non-practicing entity based in
`
`ALEAAM;HMDE?DE !BEA@F=JAJEBHECAAJ=MIKEJI=C=EIJ
`Melville, New York, which in 2013 filed patent infringement lawsuits against
`
`JA75=EHEAI>=IA@JDAEHBHAGKAJBOAHFHCH=I1EJI=MIKEJI
`ten U.S. airlines, based on their frequent flyer programs.
`In its lawsuits,
`
`O=JO+LAHIE5OIJAI=ACA@EBHECAAJBF=JAJI@AI?HE>EC
`Loyalty Conversion Systems alleged infringement of patents describing
`
`?LAHIEBFEJI=@JDAHHAM=H@IBHF=HJAHFHCH=IAC?HA@EJ
`conversion of points and other rewards from partner programs (e.g., credit
`
`?=H@O=JOFHCH=IEJBHAGKAJBEAHEAI231I124I=IJDA7526J
`card loyalty programs) into frequent flier miles. PQl's lPRs ask the USPTO to
`
`J=A=JDAH=JJDHAAO=JO+LAHIE5OIJAIF=JAJIJD=J=HAJ
`take another look at three Loyalty Conversion Systems patents that are not
`
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`the same as those in the airline lawsuits, but which cover similar subject
`
`=JJAH231I124FAJEJEIANF=EJD=JA=?DBJDAJDHAAF=JAJIEIEL=E@
`matter. PQl's IPR petitions explain that each of the three patents is invalid,
`
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`because its subject matter was already known and obvious before the time
`
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`when the applications were filed with the USPTO to obtain the patents.
`
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`Indeed, partnerships enabling customers of one business entity's loyalty
`
`FHCH=JHA@AAJDAFEJIBH?HA@EJMEJD=JDAHF=HJAH>KIEAIIAJEJO
`program to redeem the points for credit with another partner business entity
`
`were well known before that time.
`MAHAMAM>ABHAJD=JJEA
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`
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`
`+EJDA7EJA@5J=JAI+KHJB)FFA=IEJDA1JAA?JK=8AJKHAI18L
`L.L.C. in the United States Court of Appeals in the Intellectual Ventures (IV) v.
`
`+=FEJ=A ?=IA6DA>HEABIKFFHJIJDAMAH?KHJI@A?EIED@ECJD=J
`Capital One case. The brief supports the lower court's decision holding that
`
`JMF=JAJIMA@>O18=HAEL=E@>A?=KIAJDAO=@@HAIIHKJEAEA=@
`two patents owned by IV are invalid because they address routine online and
`
`?FKJAH>=IA@BE=?E=IAHLE?AI=@=I=HAIKJEFAHEIIE>OF=JAJA@
`computer-based financial services, and as a result impermissibly patented
`
`=>IJH=?J??AFJIEFAAJA@>O?FKJAHI
`abstract concepts implemented by computers.
`
`6DABEHIJF=JAJ?=EIJDAE@A=BJ=EHEC?KE?=JEI>=IA@
`The first patent claims the idea of tailoring communications based on
`
`EBH=JEIFA?EBE?J=KIAHLEAMEC=MA>IEJA6DAFKHFHJA@ELAJE
`information specific to a user viewing a website. The purported invention
`
`IAA?JI=IAJB@=J=JD=JIJ?IAO=ECIMEJD=KIAHߣIFHBEA=@MA>
`selects a set of data that most closely aligns with a user’s profile and web-
`
`>HMIECDEIJHO=@@EIF=OIJD=J@=J==MA>F=CABHJDAKIAHJIAA6DA
`browsing history, and displays that data on a webpage for the user to see. The
`
`IA?@F=JAJ?=EIJDA>=IE?FH=?JE?AB>K@CAJECߞEADAFEC?HA@EJ?=H@
`second patent claims the basic practice of budgeting—i.e., helping credit card
`
`KIAHIMEJDBE=?E=F=EC6DAKIAHߣI?HA@EJ?=H@EBH=JEEI?LAOA@
`users with financial planning. The user’s credit card information is conveyed
`
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`6AHI=@+@EJEI JAHI=@?@EJEI  ")IA=@@A+)HECDJI
`Terms and Conditions (/terms and conditions) | ©2014 Askeladden L.L.C. All rights
`
`HAIAHLA@)IA=@@A+EI=IK>IE@E=HOB6DA+A=HEC0KIA2=OAJI
`reserved. Askeladden L.L.C. is a subsidiary of The Clearing House Payments
`
`+F=O+
`Company L.L.C.
`
`DJJF MMMF=JAJGK=EJOEEJE=JELA?AMIFHAII HAA=IAI "?J  "EA E
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` & "