PTO/SB/16 (12-08)
`Approved for use through 09/30/2010. OMB 0651-0032
`U.S. Patent and Trademark Office; U.S. DEPARTMENT OF COMMERCE
`Under the Paperwork Reduction Act of 1995, no persons are required to respondto a collection of information unlessit displays a valid OMB control number.
`PROVISIONAL APPLICATION FOR PATENT COVER SHEET -— Page 1 of 2
`This is a requestforfiling a PROVISIONAL APPLICATION FOR PATENT under 37 CFR 1.53(c).
`Express Mail Label No.
`
`INVENTOR(S
`Family Name or Surname
`
`Given Name(first and middle [if any])
`
`Yongsung
`
`Hyungjun
`
`Hyunjin
`
`
`
`Residence
`(City and either State or Foreign Country)
`
`Seongnam Si, KR
`
`Seoul, KR
`
`Seoul, KR
`
`Yongin Si, KR
`
`Account Number: USE ONLY FORFILING A PROVISIONAL APPLICATION FOR PATENT
`
`ENCLOSED APPLICATION PARTS(checkaif that apply)
`Application Data Sheet. See 37 CFR 1.76
`[] cps), Number of CDs
`5
`Drawing(s) Numberof Sheets
`[| Other(specify)
`Specification (e.g. description of the invention) Number of Pages
`17
`Fees Due: Filing Fee of $220 ($110 for small entity).
`If the specification and drawings exceed 100 sheets of paper, an application size fee is
`also due, which is $270 ($135 for small entity) for each additional 50 sheets orfraction thereof. See 35 U.S.C. 41(a)(1)(G) and 37 CFR 1.16(s).
`METHOD OF PAYMENTOFTHEFILING FEE AND APPLICATION SIZE FEE FOR THIS PROVISIONAL APPLICATION FOR PATENT
`
`Additional inventors are being named on the
`separately numbered sheets attached hereto.
`TITLE OF THE INVENTION (500 characters max):
`
`SYSTEM AND METHOD FOR MANAGING MOBILE WALLET AND ITS RELATED
`CREDENTIALS
`
`Direct all correspondenceto:
`
`CORRESPONDENCE ADDRESS
`
`
`The address corresponding to Customer Number:
`
`58027
`
`OR
`
`Firm or
`Individual Name
`Address
`
` City
`
`Applicant claims small entity status. See 37 CFR 1.27.
`A check or moneyorder made payable to the Director of the United States Patent and Trademark Office
`is enclosed to cover the filing fee and application size fee (if applicable).
`.
`.
`Payment by credit card. Form PTO-2038is attached.
`
`220.00
`:
`
`TOTAL FEE AMOUNT ($)
`
`The Director is hereby authorized to charge thefiling fee and application size fee (if applicable) or credit any overpayment to Deposit
`
`This collection of information is required by 37 CFR 1.51. The information is required to obtain or retain a benefit by the public whichis to file (and by the USPTO to
`process) an application. Confidentiality is governed by 35 U.S.C. 122 and 37 CFR 1.11 and 1.14. This collection is estimated to take 10 hours to complete,
`including
`gathering, preparing, and submitting the completed application form to the USPTO.
`Timewill vary depending upon the individual case. Any comments on the
`amountof time you require to complete this form and/or suggestions for reducing this burden, should be sent to the Chief Information Officer, U.S. Patent and
`Trademark Office, U.S. Department of Commerce, P.O. Box 1450, Alexandria, VA 22313-1450. DO NOT SEND FEES OR COMPLETED FORMSTO THIS
`ADDRESS. SEND TO: Commissionerfor Patents, P.O. Box 1450, Alexandria, VA 22313-1450.
`if you need assistance in completing the form, call 1-800-PTO-9199 and selectoption 2.
`
`Apple Ex. 1012, p. 1
`Apple Ex. 1012, p. 1
` Apple v. Fintiv
`Apple v.Fintiv
`IPR2020-00019
`IPR2020-00019
`
`

`

`PROVISIONAL APPLICATION COVER SHEET
`Page 2 of 2
`
`PTO/SB/16 (12-08)
`Approved for use through 09/30/2010. OMB 0651-0032
`U.S. Patent and Trademark Office; U.S. DEPARTMENT OF COMMERCE
`Under the Paperwork Reduction Act of 1995, no persons are required to respond to a callection of information unless it displays a valid OMB control number.
`
`The invention was made by an agencyof the United States Government or under a contract with an agency of the United States Government.
`No.
`
`[] Yes, the nameof the U.S. Government agency and the Government contract numberare:
`
`WARNING:
`Petitioner/applicant is cautioned to avoid submitting personal information in documents filed in a patent application that may
`contribute to identity theft.
`Personal
`information such as social security numbers, bank account numbers, or credit card
`numbers (other than a check or credit card authorization form PTO-2038 submitted for payment purposes) is never required by
`the USPTOto support a petition or an application.
`If this type of personal information is included in documents submitted to the
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`the application (unless a non-publication request in compliance with 37 CFR 1.213(a) is made in the application) or issuance of
`a patent. Furthermore, the record from an abandoned application may also be available to the public if the
`application is
`referenced in a published application or an issued patent (see 37 CFR 1.14). Checks and credit card authorization forms
`PTO-2038 submitted for payment purposes are not retained in the application file and therefore are not publicly available.
`
`
`
`signature/Nae-chanpark) pate December 30, 2010
`
`TYPED or PRINTED NAME _Hae-Chan Park
`
`REGISTRATION No. 00114
`(if appropriate)
`TELEPHONE 703-288-5105 Docket Number: P4302USPR
`
`Apple Ex. 1012, p. 2
`Apple Ex. 1012, p. 2
` Apple v. Fintiv
`Apple v. Fintiv
`IPR2020-00019
`IPR2020-00019
`
`

`

`Privacy Act Statement
`
`The Privacy Act of 1974 (P.L. 93-579) requires that you be given certain information in connection
`with your submission of the attached form related to a patent application or patent. Accordingly,
`pursuant to the requirements of the Act, please be advised that:
`(1) the general authority for the
`collection of this information is 35 U.S.C. 2(b)(2); (2) furnishing of the information solicited is voluntary;
`and (3) the principal purpose for which the information is used by the U.S. Patent and Trademark
`Office is to process and/or examine your submission related to a patent application or patent. If you do
`not furnish the requested information, the U.S. Patent and Trademark Office may not be able to
`process and/or examine your submission, which mayresult in termination of proceedings or
`abandonmentof the application or expiration of the patent.
`
`The information provided by youin this form will be subject to the following routine uses:
`
`1. The information on this form will be treated confidentially to the extent allowed under the
`Freedom of Information Act (5 U.S.C. 552) and the Privacy Act (6 U.S.C 552a). Records from
`this system of records may be disclosed to the Department of Justice to determine whether
`disclosure of these recordsis required by the Freedom of Information Act.
`in the course of
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`A record related to an International Application filed under the Patent Cooperation Treaty in
`this system of records may be disclosed, as a routine use, to the International Bureau of the
`World Intellectual Property Organization, pursuant to the Patent Cooperation Treaty.
`A record in this system of records may be disclosed, as a routine use, to another federal
`agency for purposes of National Security review (85 U.S.C. 181) and for review pursuant to
`the Atomic Energy Act (42 U.S.C. 218(c)).
`A record from this system of records may be disclosed, as a routine use, to the Administrator,
`General Services, or his/her designee, during an inspection of records conducted by GSA as
`part of that agency's responsibility to recommend improvements in records management
`practices and programs, under authority of 44 U.S.C. 2904 and 2906. Such disclosure shall
`be madein accordance with the GSA regulations governing inspection of records for this
`purpose, and any other relevant(/.e., GSA or Commerce) directive. Such disclosure shall not
`be used to make determinations about individuals.
`A record from this system of records may be disclosed, as a routine use, to the public after
`either publication of the application pursuant to 35 U.S.C. 122(b) or issuance of a patent
`pursuant to 35 U.S.C. 151. Further, a record may be disclosed, subject to the limitations of 37
`CFR 1.14, as a routine use, to the public if the record wasfiled in an application which
`became abandoned or in which the proceedings were terminated and which application is
`referenced by either a published application, an application open to public inspection or an
`issued patent.
`A record from this system of records may be disclosed, as a routine use, to a Federal, State,
`or local law enforcement agency, if the USPTO becomes awareof a violation or potential
`violation of law or regulation.
`
`Apple Ex. 1012, p. 3
`Apple Ex. 1012, p. 3
` Apple v. Fintiv
`Apple v.Fintiv
`IPR2020-00019
`IPR2020-00019
`
`

`

`PTO/SB/14 (11-08)
`Approved for use through 09/30/2010. OMB 0651-0032
`U.S. Patent and Trademark Office; U.S. DEPARTMENT OF COMMERCE
`Under the Paperwork Reduction Act of 1995, no persens are required to respond to a collection ofinformation unless it contains a valid OMB control number.
`
`
`Attorney Docket Number|P4302USPR
`Application Data Sheet 37 CFR 1.76
`
`Application Number
`
`Title of Invention|SYSTEM AND METHOD FOR MANAGING MOBILE WALLET AND ITS RELATED CREDENTIALS
`
`The application data sheetis part of the provisional or nonprovisional application for which it is being submitted. The following form contains the
`bibliographic data arranged in a format specified by the United States Patent and Trademark Office as outlined in 37 CFR 1.76.
`This document may be completed electronically and submitted to the Office in electronic format using the Electronic Filing System (EFS) or the
`
`document maybe printed and included in a paper filed application.
`
`Secrecy Order 37 CFR 5.2
`Portions orall of the application associated with this Application Data Sheet mayfall under a Secrecy Order pursuantto
`37 CFR 5.2 (Paper filers only. Applications that fall under Secrecy Order may not befiled electronically.}
`
`Applicant Information:
`
`Applicant 1
`
`
`Applicant Authority @ Inventor|()Legal Representative under 35 U.S.C. 117 |Party of Interest under 35 U.S.C. 118
`
`C[vensineON |
`ResidenceInformation (Select One)
`(> US Residency
`@) NonUS Residency
`() Active US Military Service
`
`City|Seongnam Si Country Of Residencei|KR
`
`Citizenship under 37 CFR 1.41{b)i
`
`KR
`
`Mailing Address of Applicant:
`
`Address 1
`
`
`Address 2
`
`Bundang Gu, Gyeonggi do
`
`Seongnam Si State/Province
`
`Postal Code
`Countryi
`
`401-1302 Lotte APT. Ggaichi Maeul, Gumi dong,
`
`
`
`Applicant 2
`
`Applicant Authority @!nventor|(Legal Representative under 35 U.S.C. 117 C©)Party of Interest under 35 U.S.C. 118
`
`Prefix| Given Name
`Middle Name
`Family Name
`|| Hyungjun
`
`
`City|Seoul
`
`
`
`Citizenship under 37 CFR 1.41(b)i
`
`Mailing Address of Applicant:
`
`202-9 302, Jamsil bon dong, Songpa Gu
`Address 1
`
`Address 2
`
`Applicant 3
`
`Applicant Authority ©!nventor|()Legal Representative under 35 U.S.C. 117 ©)Party of Interest under 35 U.S.C. 118
`
`Prefix| Given Name
`Middle Name
`Family Name
`Suffix
`Jiwon
`KANG
`
`
`
`
`
`Residence Information (Select One) () US Residency
`(@) NonUS Residency
`() Active US Military Service
`
`
`City|Seoul Country Of Residencei
`
`EFS Web 2.2.2
`
`Apple Ex. 1012, p. 4
`Apple Ex. 1012, p. 4
` Apple v. Fintiv
`Apple v. Fintiv
`IPR2020-00019
`IPR2020-00019
`
`

`

`PTO/SB/14 (11-08)
`Approved for use through 09/30/2010. OMB 0651-0032
`U.S. Patent and Trademark Office; U.S. DEPARTMENT OF COMMERCE
`Underthe Paperwork Reduction Act of 1995, no persens are required to respond to a collection of information unless it contains a valid OMB control number.
`
`
`Attorney Docket Number|P4302USPR
`
`Title of Invention|SYSTEM AND METHOD FOR MANAGING MOBILE WALLET AND ITS RELATED CREDENTIALS
`
`
`Application Data Sheet 37 CFR 1.76 Application Number
`
`
`
`
`KR
`Citizenship under 37 CFR 1.41{b)i
`
`Mailing Address of Applicant:
`
`Address 1
`512 Hyundai Parisian 907-10, Mokdong Yangcheon Gu
`Address 2
`
`Seoul
`City
`Postal Code
`
`State/Province
`Countryi
`KR
`
`
`Applicant 4
`
`Applicant Authority @!nventor|()Legal Representative under 35 U.S.C. 117 |Party of Interest under 35 U.S.C. 118
`
`
`
`[Prefn|GvenName__——~‘([MiddleName—————|FamiyName=Sui
`_
`a
`_
`ResidenceInformation (Select One)
`() Active US Military Service
`(> US Residency
`@) NonUS Residency
`
`City|Yongin Si Country Of Residencei
`
`
`Citizenship under 37 CFR 1.41¢b)i
`
`KR
`
`Mailing Address of Applicant:
`
`
`Address 1
`706-2003, Sangrok APT. Pungduckcheon dong, Suji Gu
`
`Address 2
`
`Gyeonggi do
`
`
`
`City State/Province Yongin Si
`
`
`
`
`
`Postal Code Countryi|KR
`
`All
`
`Inventors Must Be Listed - Additional
`
`Inventor Information blocks may be
`
`generated within this form by selecting the Add button.
`
`
`
`CorrespondenceInformation:
`
`
`Enter either Customer Number or complete the CorrespondenceInformation section below.
`For further information see 37 CFR 1.33(a).
`
`[|] An Addressis being provided for the correspondenceInformation of this application.
`Customer Number
`58027
`
`Email Address
`
`Add Email
`
`Application Information:
`
`
`Title of the Invention
`
`SYSTEM AND METHOD FOR MANAGING MOBILE WALLET AND ITS RELATED CREDENTIALS
`
`
`
`Attorney Docket Number) P4302USPR [_] Small Entity Status Claimed
`
`
`
`Application Type
`
`Provisional
`
`Subject Matter
`
`Suggested Technology Center{if any)
`
`
`Utility
`Suggested Class(if any)
`
`
`
`
`Total Number of Drawing Sheets (if any)
`
`5
`
`Suggested Figure for Publication (if any)
`
`
`
`EFS Web 2.2.2
`
`Apple Ex. 1012, p. 5
`Apple Ex. 1012, p. 5
` Apple v. Fintiv
`Apple v. Fintiv
`IPR2020-00019
`IPR2020-00019
`
`

`

`PTO/SB/14 (11-08)
`Approved for use through 09/30/2010. OMB 0651-0032
`U.S. Patent and Trademark Office; U.S. DEPARTMENT OF COMMERCE
`Underthe Paperwork Reduction Act of 1995, no persens are required to respond to a collection of information unless it contains a valid OMB control number.
`
`
`Attorney Docket Number|P4302USPR
`
`Application Number
`
`Title of Invention|SYSTEM AND METHOD FOR MANAGING MOBILE WALLET AND ITS RELATED CREDENTIALS
`
`Application Data Sheet 37 CFR 1.76
`
`Publication Information:
`[|] Request Early Publication (Fee required at time of Request 37 CFR 1.219)
`
`Request Not to Publish. | hereby requestthat the attached application not be published under 35 U.S.
`[] ©. 122(b)} and certify that the invention disclosed in the attached application has not andwill not be the subjectof
`an application filed in another country, or under a multilateral international agreement, that requires publication at
`eighteen monthsafterfiling.
`
`Representative Information:
`
`Representative information should be provided for all practitioners having a power of attorney in the application. Providing
`this information in the Application Data Sheet does not constitute a powerof attorneyin the application (see 37 CFR 1.32).
`Enter
`either Customer Number
`or
`complete
`the
`Representative Name
`section
`below.
`If
`both
`are completed the Customer Numberwill be used for the Representative Information during processing.
`
`
`sections
`
`Please Select One: © USPatent Practitioner © Limited Recognition (37 CFR 11.9) (®) Customer Number
`
`
`
`Customer Number 58027
`
`Domestic Benefit/National Stage Information:
`This section allows for the applicant to either claim benefit under 35 U.S.C. 119(e), 120, 121, or 365(c) or indicate National Stage
`entry from a PCT application. Providing this information in the application data sheet constitutes the specific reference required by
`35 U.S.C. 119{e) or 120, and 37 CFR 1.78{a)(2) or CFR 1.78(aX(4), and need not otherwise be madepart of the specification.
`
`
`
`
`
`by selecting the Add button.
`
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`
`
`Continuity Type Prior Application NumberApplication Number Filing Date (YYYY-MM-DD}
`
`Additional Domestic Benefit/National Stage Data may be generated within this form
`
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`
`This section allows for the applicant to claim benefit of foreign priority and to identify any prior foreign application for which priority is
`not claimed. Providing this information in the application data sheet constitutes the claim for priority as required by 35 U.S.C. 119(b)
`
`and 37 CFR 1.55(a).
`
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`Addbutton.
`
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`
`Providing this information in the application data sheet does not substitute for compliance with any requirement of part 3 of Title 37
`
`of the CFR to have an assignmentrecorded in the Office.
`
`Assignee 1
`
`EFS Web 2.2.2
`
`Apple Ex. 1012, p. 6
`Apple Ex. 1012, p. 6
` Apple v. Fintiv
`Apple v. Fintiv
`IPR2020-00019
`IPR2020-00019
`
`

`

`
`
`State/Province
`Alpharetta
`City
`Pastal Code
`Phone Number
`Fax Number
`
`
`
`PTO/SB/14 (11-08)
`Approved for use through 09/30/2010. OMB 0651-0032
`U.S. Patent and Trademark Office; U.S. DEPARTMENT OF COMMERCE
`Underthe Paperwork Reduction Act of 1995, no persens are required to respond to a collection of information unless it contains a valid OMB control number.
`
`
`Attorney Docket Number|P4302USPR
`
`Application Number
`
`Title of Invention|SYSTEM AND METHOD FOR MANAGING MOBILE WALLET AND ITS RELATED CREDENTIALS
`
`
`
`Application Data Sheet 37 CFR 1.76
`
`If the Assignee is an Organization checkhere.
`
`
`
`Organization Name SKC&C USA,Inc.
`
`Mailing Address Information:
`
`12600 Deerfield Parkway #425
`Address 1
`
`Address 2
`
`
`Email Address
`
`Additional Assignee Data may be generated within this form by selecting the Add
`button.
`
`Signature:
`
`A signature of the applicant or representative is required in accordance with 37 CFR 1.33 and 10.18. Please see 37
`
`CFR 1.4(d) for the form of the signature.
`
`
`
`Signature=|/hae-chan park/ Date (YYYY-MM-DD)| 2010-12-30
`
`
`
`
`
`This collection of information is required by 37 CFR 1.76. The information is required to obtain or retain a benefit by the public which
`is to file (and by the USPTO to process) an application. Confidentiality is governed by 35 U.S.C. 122 and 37 CFR 1.14. This
`collection is estimated to take 23 minutes to complete, including gathering, preparing, and submitting the completed application data
`sheet form to the USPTO. Time will vary depending upon the individual case. Any comments on the amountof time you require to
`complete this form and/or suggestions for reducing this burden, should be sent to the Chief Information Officer, U.S. Patent and
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`COMPLETED FORMS TO THIS ADDRESS. SEND TO: Commissionerfor Patents, P.O. Box 1450, Alexandria, VA 22313-1450.
`
`EFS Web 2.2.2
`
`Apple Ex. 1012, p. 7
`Apple Ex. 1012, p. 7
` Apple v. Fintiv
`Apple v. Fintiv
`IPR2020-00019
`IPR2020-00019
`
`

`

`Privacy Act Statement
`
`
`
`The Privacy Act of 1974 (P.L. 93-579) requires that you be given certain information in connection with your submission of the attached form related to
`a patent application cr patent. Accordingly, pursuant to the requirements of the Act, please be advised that:
`(1) the general authority for the collection
`ofthis information is 35 U.S.C. 2(b)(2); (2) furnishing of the information solicited is voluntary; and (3) the principal purpese for which the information is
`used by the U.S. Patent and Trademark Office is to process and/or examine your submission related tc a patent application or patent.
`If you do not
`furnish the requested information, the U.S. Patent and Trademark Office may not be able to process and/or examine your submission, which may
`result in termination of proceedings or abandonmentof the application or expiration of the patent.
`
`The information provided by youin this form will be subject to the following routine uses:
`
`1.
`
`2.
`
`3.
`
`4.
`
`5.
`
`6.
`
`7.
`
`8.
`
`9.
`
`The information on this form will be treated confidentially to the extent allowed under the Freedom of Information Act (5 U.S.C. 552)
`and the Privacy Act (5 U.S.C. 552a). Records from this system of records may be disclosed to the Department of Justice to determine
`whether the Freedom of Information Act requires disclosure of these records.
`
`A record from this system of records may be disclosed, as a routine use, in the course of presenting evidence to a court, magistrate, or
`administrative tribunal, including disclosures to opposing counsel in the course of settlement negotiations.
`
`A record in this system of records may be disclosed, as a routine use, to a Member of Congress submitting a request involving an
`individual, to whom the record pertains, whenthe individual has requested assistance from the Memberwith respect to the subject matter of
`the record.
`
`A record in this system of records may be disclosed, as a routine use, to a contractor of the Agency having need for the information in
`order to perform a contract. Recipients of information shall be required to comply with the requirements of the Privacy Act of 1974, as
`amended, pursuant to 5 U.S.C. 552a(m).
`
`A record related to an International Applicationfiled under the Patent Cocperation Treaty in this system of records may be disclosed,
`as a routine use,to the International Bureau of the World Intellectual Property Organization, pursuant to the Patent Cooperation Treaty.
`
`A record in this system of records may be disclosed, as a routine use, to another federal agency for purposes of National Security
`review (35 U.S.C. 181) and for review pursuant to the Atomic Energy Act (42 U.S.C. 218(c)).
`
`A record from this system of records may be disclosed, as a routine use, to the Administrator, General Services, or his/her designee,
`during an inspection of records conducted by GSA aspart of that agency's responsibility to recommend improvements in records
`managementpractices and programs, under authority of 44 U.S.C. 2904 and 2906. Such disclosure shall be made in accordance with the
`GSA regulations governing inspection of records for this purpose, and any other relevant (i.e., GSA or Commerce) directive. Such
`disclosure shall not be used to make determinations aboutindividuals.
`
`A record from this system of records may be disclosed, as a routine use, to the public after either publication of the application pursuan
`to 35 U.S.C. 122(b) or issuance of a patent pursuant to 35 U.S.C. 151. Further, a record may be disclosed, subjectto thelimitations of 37
`CFR 1.14, as a routine use, to the public if the record wasfiled in an application which became abandonedor in which the proceedings were
`terminated and which application is referenced by either a published application, an application open to public inspections or an issued
`patent.
`
`A record from this system of records may be disclosed, as a routine use, to a Federal, State, or local law enforcement agency,if the
`USPTO becomes aware of a violation or potential violation of law or regulation.
`
`
`Apple Ex. 1012, p. 8
`Apple Ex. 1012, p. 8
`EFS Web 2.2.2
` Apple v. Fintiv
`Apple v. Fintiv
`IPR2020-00019
`IPR2020-00019
`
`

`

`SYSTEM AND METHOD FOR MANAGING MOBILE WALLET AND ITS RELATED
`
`CREDENTIALS
`
`Attorney Docket No P4302USPR
`
`CROSS REFERENCE TO RELATED APPLICATION
`
`5
`
`[0001] The present application is related to co-pending U.S. provisional patent
`
`applications entitled, “SYSTEM AND METHOD FOR PROVISIONING OVER THE AIR OF
`
`CONFIDENTIAL INFORMATION ON MOBILE COMMUNICATIVE DEVICES WITH
`
`NON-UICC SECURE ELEMENTS,” “SYSTEM AND METHOD FOR SECURE
`
`CONTAINMENTOF SENSITIVE FINANCIAL INFORMATION STORED IN A MOBILE
`
`10
`
`COMMUNICATION TERMINAL,” and “SYSTEM AND METHOD FOR MANAGING OTA
`
`PROVISIONING APPLICATIONS THROUGH USE OF PROFILES AND DATA
`
`PREPARATION”filed on DEC. 30, 2010, and assigned to the assignee of the present
`
`application. Applicant hereby incorporates by reference the above-mentioned co-pending
`
`provisional application, which is not admitted to be prior art with respect to the present invention
`
`1s
`
`by its mention here or in the backgroundsection that follows.
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`BACKGROUNDOF THE INVENTION
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`[0002] 1. FIELD
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`[0003] The following description relates to managementof virtual cards stored on mobile
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`communicative devices.
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`[0004] 2. DISCUSSION OF THE BACKGROUND
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`[0005] With the advent of advancing mobile technology, more features have been
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`integrated into the mobile devices. From GPSapplications to mobile office products, mobile
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`Apple Ex. 1012, p. 9
`Apple Ex. 1012, p. 9
` Apple v. Fintiv
`Apple v.Fintiv
`IPR2020-00019
`IPR2020-00019
`
`

`

`Attorney Docket No P4302USPR
`
`communicative devices have become a necessity for everyday needs. In order to further utilize
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`mobile technology to better cater to consumer’s daily requirements, attempts have been made to
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`provide for a mobile financial management system to replace conventional physical wallets.
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`Specifically, this mobile wallet functionality was sought to be realized through provisioning of
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`card issuer’s account information directly into a secure element of the mobile device equipped
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`with Near Field Communication (NFC) chipset. The secure element may be a smart card chip
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`capable ofstoring multiple applications, including of account specific information that may not
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`be easily accessed by external parties. The model mobile wallet application may have the same
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`composition as a conventional wallet, which may contain payment cards, membercards,
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`transportation cards, and loyalty cards. However, the account specific information stored on the
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`physical cards maybestored as a virtual card encompassing the account information. Virtual
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`cards may have the exact same account numbers as the physical card or may havean entirely
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`different set of account numbers.
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`[0006] Further, to make the wallet function more convenient to the owners of the mobile
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`device, a method of providing contactless payment (NFC-based applications) through
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`provisioning account specific information within the secure domain of the mobile equipment’s
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`secure element has been provided. More specifically, user financial credentials, such as credit
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`card numbers, may be provisioned onto mobile devices equipped with NearField
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`Communication chipset (NFC enabled) to make payments. Oncethe user financial credentials
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`have been provisioned onto the NFC enabled mobile device, the provisioned NFC enabled
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`device may transfer information or make payments to another NFC compatible device by coming
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`near within a few centimeters of one another without physically contacting each other. This type
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`of technology is conventionally referred to as “contactless” technology and a payment made with
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`Apple Ex. 1012, p. 10
`Apple Ex. 1012, p. 10
` Apple v. Fintiv
`Apple v.Fintiv
`IPR2020-00019
`IPR2020-00019
`
`

`

`Attorney Docket No P4302USPR
`
`this technologyis referred to as “contactless” payment.
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`[0007] However, regardless of benefits that may be obtain through integrating wallet
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`functionality into mobile equipments prevailing technologystill lacks effective means to manage
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`various paymentapplets residing within the mobile equipment.
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`[0008] With the advent of NFC-based contactless payment applications, much
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`convenience has been provided allowing user to maintain various cards for payment selection at
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`corresponding point-of-sale (POS) devices. However, the management of paymentappletsis
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`limited to usage at POS devices as such informationis stored within the specified secured
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`domain within the SE and accessed only during payment. Moreover, even when such payment
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`applications are accessed, as these applications are managed through industry standard PPSE
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`which only provides for application ID and label, only a generic description may be provided to
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`the user. Accordingly, the user is unable to view any account specific information stored within
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`the SE or managesuch applications without the use of POS equipment.
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`[0009] Another limitation of mobile wallet applicationis the lack of efficient support
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`providing for such technology. With such focus on mobile commerce, many competing service
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`providers seek delivering their services to the consumers. However, such services are offered to
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`the consumers without regard to the mobile device capabilities or mobile service providers
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`utilized by the consumer. Due to technical or business compatibility, there may be numerous
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`applications that may be inapplicable to the consumer’s attributes. Accordingly, consumers are
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`often bombarded with various applications that may be inapplicable to the consumer, making the
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`process more difficult than necessary.
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`[0010] Anotherissue with the mobile wallet applicationis its ability to update its
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`information. As various service providers operate independently from one another, when an
`
`Apple Ex. 1012, p. 11
`Apple Ex. 1012, p. 11
` Apple v. Fintiv
`Apple v.Fintiv
`IPR2020-00019
`IPR2020-00019
`
`

`

`Attorney Docket No P4302USPR
`
`update is required by a particular service provider, each individual application must be updated
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`separately. Such inefficiency may dissuade consumers from updating crucial updates that may
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`be necessary to a particular application.
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`SUMMARY
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`[0011] Exemplary embodiments ofthe present invention provide a system to provision
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`mobile card wallet managementapplication along with supporting applications, mobile card
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`widgets, contact card applets, and related credentials.
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`[0012] Exemplary embodiments of the present invention also provide a method for
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`provisioning mobile card wallet managementapplication along with supporting applications,
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`mobile card widgets, contact card applets, and related credentials.
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`[0013] Exemplary embodiments of the present invention provide a system to dynamically
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`filter applicable mobile wallet service provider specific widgets based upon user account
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`attributes.
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`[0014] Exemplary embodiments of the present invention provide a method for
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`dynamically filtering applicable mobile wallet service provider specific widgets based upon user
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`account attributes.
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`[0015] Exemplary embodiments of the present invention provide a system to synchronize
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`mobile wallet application with the master mobile wallet configuration server to provide a most
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`current version of the mobile wallet application.
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`[0016] Exemplary embodiments of the present invention provide a method for
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`synchronizing mobile wallet application with the master mobile wallet configuration server to
`
`Apple Ex. 1012, p. 12
`Apple Ex. 1012, p. 12
` Apple v. Fintiv
`Apple v.Fintiv
`IPR2020-00019
`IPR2020-00019
`
`

`

`Attorney Docket No P4302USPR
`
`provide a most current version of the mobile wallet application.
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`[0017] Additional features of the invention will be set forth in the description which
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`follows, and in part will be apparent from the description, or may be learned by practice of the
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`invention.
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`[0018] It is to be understood that both foregoing general descriptions and the following
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`detailed description are exemplary and explanatory and are intended to provide further
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`explanation ofthe invention as claimed. Other features and aspects will be apparent from the
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`following detailed description, the drawings, and the claims.
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`BRIEF DESCRIPTION OF THE DRAWINGS
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`[0019] The accompanying drawings, which are included to provide a further
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`understanding of the invention and are incorporated in and constitute a part of this specification,
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`illustrate embodiments of the invention, and together with the description serve to explain the
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`principles of the invention.
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`[0020] FIG. 1 is a system diagram of a mobile wallet application and associated
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`integration in accordance with an exemplary embodimentof the present invention.
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`[0021] FIG. 2 is a system diagram illustrating a system and method for provisioning
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`mobile card wallet managementapplication along with supporting applications, mobile card
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`widgets, contact card applets, and related credentials in accordance with an exemplary
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`embodimentof the present invention.
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`[0022] FIG. 3 is a system diagram illustrating a system and method for provisioning
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`service provider specific mobile card