PMC Exhibit 21 13
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`Apple v. PMC
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`Page 1
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`PMC Exhibit 2113
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`Apple v. PMC
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`PMC Exhibit 2113
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`
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`VIDEOTEX'81 International Conference & Exhibition
`May 20-22, 1981, Toronto, Canada
`
`(3 Online Conferences Ltd.
`
`& Infomart 1981
`
`No part of this book may be reproduced,
`stored in a retrieval system, or
`transmitted in any form, by any means,
`electronic, mechanical, photocopying,
`microfilming, recording or otherwise,
`without written permission from the
`Publisher.
`
`Published by Online Conferences Ltd.,
`Northwood Hills, Middlesex, UK
`
`
`
`PMC Exhibit 21 13
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`Apple v. PMC
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`PMC Exhibit 2113
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`287
`
`
`
`Cox's INDAX System — Delivering
`Future Two—Way Cable Services Today
`
`Paul C. Waring
`Vice President — Corporate Development
`Cox Cable Communications,
`Inc.
`USA
`
`industry experts predicted,
`Cable subscribers,
`would want more than entertainment via cable.
`
`Cox was quick to respond, and to deliver useful
`two—way services like banking and shopping at
`home,
`information retrieval from local and
`national sources,
`interactive education and home
`security.
`The INDAX system (Interactive Data
`Exchange)
`is the result of Cox's substantial
`investment
`in money and manpower to develop the
`industry's only completely interactive cable
`television system.
`
`
`
`PMC Exhibit 21 13
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`ApmemPMC
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`288
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`
`
`Introduction
`
`0
`
`Two landmark developments occurred in the last
`decade.
`The first development was the dramatic
`increase in the rate of subscriber growth.
`This increase was made possible by a lessening
`of federal regulation,
`the introduction of
`profitable pay television services, and a
`loosening of the credit reins.
`
`the cable television industry of
`0 Since l977,
`over 4,000 operators had added subscribers at
`an annual growth rate approaching l2 percent.
`At this rate, cable television is projected to
`be in well over half the nation's homes by
`l990.
`
`0 The second development has been the innovation
`of many additional services which can be
`delivered over the same coaxial cable that
`
`currently brings video signals.
`
`0 Services such as inexpensive home security,
`energy management,
`information retrieval,
`shopping services, and video games are
`currently offered or will shortly be offered
`in many of the metropolitan markets currently
`under construction.
`
`0 Cable television, by virtue of its increasing
`presence and the proliferation of services it
`offers, will certainly be a major component
`of the home of the future, bringing new, and
`convenient ways of doing the day's business and
`helping to improve the lives of its subscribers.
`
`Cox Cable
`
`0 Cox will be the first cable television operator
`to offer fully interactive financial and other
`transactions.
`
`3
`
`;
`0
`
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`
`
`
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`
`PMC Exhibit 21 13
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`ApmemPMC
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`interactive data exchange.
`The result is INDAX,
`the most advanced twowway
`INDAX is, Cox feels,
`interactive cable communications system
`available today.
`
`Cox established the following requirements to
`guide the design of INDAX:
`
`l.
`
`It had to be capable of handling a broad
`variety of services. This was considered
`critical to assure a wide acceptance of
`the interactive system in homes — an
`acceptance that no device designed for
`one specific purpose could ever hope to
`achieve.
`
`2.
`
`Low cost to the subscriber.
`
`For a small
`
`incremental charge, consumers would be
`able to bank—at—home,
`shop—at—home, and
`access information on a wide variety of
`subjects.
`Premium data services would
`also be offered.
`A low price, much less
`than other interactive home services now
`
`offered for pay, would also help to
`insure broad acceptance.
`
`3. Capable of offering extremely flexible
`programming, based on local needs and
`interests.
`The system also had to be
`capable of modular expansion to accept
`further advances in interactive services.
`
`INDAX has been designed to fulfill these
`requirements and offer its users a 24 hour—a—
`day,
`seven—days—a—week service package.
`
`New Development — INDAX
`
`0
`
`The INDAX system places a microprocessor
`—driven terminal
`into every INDAX subscriberk
`home,
`in the place of the traditional
`television converter.
`The subscriber can
`
` 3E
`
`E iE% E §
`
`.
`
`
`
`PMC Exhibit 21 13
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`ApmemPMC
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`PMC Exhibit 2113
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`290
`
`
`
`E
`.1
`1.,
`
`3 E
`
`,E
`
`g.
`
`)vWwrIHWfl!k’,¢rIw?(D':l'Vfl‘¢¢$'~3‘v<yrwfl\'k"’?"’“*"’Y””$'"\‘}2WWW“"‘F’¥"”'r”4"4”m~<M4-"NWV"?"”‘““’?91“¢““‘9“‘('7"V>\9*'vvV7~A;vvv/w<«\«v(-<A>-\'~wawyv'Vtwn«.../V....,.,.,.4,
`
`PMC Exhibit 21 13
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`ApmemPMC
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`Page6
`
`control this microprocessor in all inter-
`active functions, as well as perform the
`more traditional video channel selection
`
`with a wireless keypad or a keypad fitted
`into the top of the INDAX terminal. Oak
`industries is supplying this terminal.
`
`The INDAX system is currenlty operating in
`our San Diego, California franchise.
`San
`Diego is the largest cable system in the
`country with 205,000 subscribers.
`
`The current service includes banking-at~home,
`shopping—at—home, and information retrieval
`from the SOURCE.
`
`The service is being offered to approximately
`300 subscribers in a distinct geographical
`area of the city for a pilot period of 6
`months. Extensive research is being conducted
`by Nielson to ascertain subscriber reactions,
`preferences and dislikes, motivations to
`purchase and use, as well as usage patterns.
`
`INDAX will be introduced this summer
`
`in Omaha
`
`and at year end in New Orleans.
`
`Banking at home via INDAX is a logical second
`step to the pioneering efforts of in—home
`banking offered by the telephone bill payers,
`and offers a number of distinct advantages
`over the existing bill—paying services.
`
`Cox has signed an agreement with HomServ,
`a subsidiary of American Can Company to
`mutually develop the system of banking—at~home
`on INDAX.
`
`Inc.
`
`The banking system uses the existing two—way
`cable plant to collect requests for services
`from individual subscribers.
`The subscribers
`conduct their financial transactions with the
`
`Cox INDAX computers.
`
`The Cox computers pass
`
`PMC Exhibit 2113
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`291
`
`checked information to Homserv computers.
`They transform it into correctly—formatted
`bank files.
`
`0 This information is then transferred
`
`to the bank's EDP operations atta convenient
`time, normally after business hours.
`
`0
`
`The Homserv - bank interactions can be by a
`transfer of magnetic tapes, or it can be
`totally on-line;
`the decision is left up
`to the individual financial institution, and
`is based on cost/capability/and desirability
`factors.
`
`0 The system is offered to the individual
`subscriber at a very modest rate.
`The
`banking-at-home service is included in the
`INDAX tier. This gives the individual
`institutions the maximum flexibility to
`recover the costs through whatever charges
`they deem appropriate.
`
`0 Cox is a joint participant in marketing
`services with the individual institutions
`
`- the cable company marketing INDAX and
`furnishing additional advertising media to
`the banks, and the banks marketing their
`own banking—at-home services through their
`established operations.
`
`0 The flexibility of INDAX allows the individual
`institution to custom tailor the banking-at-
`home screens the subscribers see to reflect
`a personal
`image, philosophy or theme.
`It
`also affords that institution the opportunity
`to promote additional services in conjunction
`with the financial transactions.
`
`0
`
`The basic services for general subscriber use
`are:
`retrieval of specific banking information
`such as branch hours, branch locations,
`loan
`rates, people to contact for specific services,
`
`PMC Exhibit 21 13
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`ApmemPMC
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`Page?
`
`E§
`
`2 i E
`
`E
`E
`}
`
`;%
`
`
`
`PMC Exhibit 2113
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`
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`292
`
`
`
`<,
`
`EEFS3 EE E§f
`
`
`
`rwnw..«'\‘|'-'&Iv‘</7
`
`PMC Exhibit 21 13
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`ApmemPMC
`|PR2016-00755
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`Pages
`
`and the like; account balance inquiries;
`transfer of funds between accounts; and
`bill paying. These are basic services
`because, once again,
`the system is flexible
`and limited only by regulation and the
`institution's imagination.
`
`The banking—at—home service gets an
`additional boost when it is coupled with
`shopping-at—home. With shopping—at—home,
`the customer has the convenience of being
`able to automatically pay for a selected
`purchase from his or her checking account,
`savings account, credit card program or
`any other account deemed practical by the
`bank and the subscriber. This places an
`additionalimpetus to establish a personal
`banking—at—home account, and opens up
`potential retailer business for the
`participating institutions.
`
`The determination of an equitable (and
`profitable) plan of assessing charges to
`the banks will be a major result of the
`pilot research; however, general pricing
`decisionshave been made that should under-
`
`score the desirability of the new service:
`the vast majority of charges will be
`directly transaction—related; clients will
`be able to directly associate the results
`with the cost, on a per use basis.
`
`The tentative pilot charges are l5 cents per
`bill paying or funds transaction, and 5
`cents per information access.
`Even when
`combined with the institution's own other
`
`charges for developing a payment out of
`bank — formatted information delivered by
`Homserv,
`the overall cost per transaction
`should be significantly under the current
`cost of processing a check or share draft.
`
`PMC Exhibit 2113
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`293
`
`Other charges will be assessed for creating
`and maintaining the banking screens that the
`customer sees - but will be minimal
`in
`relation to the transaction fees.
`
`This system will offer security equivalent
`of an automatic teller machine.
`
`Each INDAX terminal is individually addressed
`by the INDAX computer located at the master
`telecommunications center, using a unique,
`coded address.
`
`The individual subscriber is required to
`use a personal identification number to
`access the system. Only after the correct
`terminal address is linked up by the computer
`with the correct ID number will the first
`
`banking screen be allowed to appear.
`
`This means that an individual will not be
`
`able to conduct his banking transactions
`on anyone else's terminal — and it also
`means that someone would have to know an
`individual's number and have access to his
`
`house to perform any banking transaction.
`
`All transactions between the individual and
`
`the bank will take place on a dedicated,
`scrambled data channel.
`
`
`
`PMC Exhibit 21 13
`
`ApmemPMC
`|PR2016-00755
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`294
`
`Summary
`
`Cox's banking at home system over the cable
`television is a dramatic step beyond conven-
`tional telephone bill paying currently
`offered.
`The system allows the subscriber
`to fully interact with a central computer,
`and see the step—by—step progress of each
`transaction on the television set.
`It
`
`allows individual banks to custom design
`the form and substance of the services they
`offer to theircustomersand it reduces the
`costs in time and effort to both the bank
`and to its customers.
`
`Banking—at—home represents the most complex
`INDAX service and for that reason has been
`
`explained most fully. Other INDAX services
`operate in a very similar way and include
`shopping-at-home, education and information
`services, home security, energy management,
`and entertainment services.
`
`PMC Exhibit 21 13
`
`ApmemPMC
`|PR2016-00755
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`Page1O
`
`PMC Exhibit 2113
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