PTO/SB/16 (12-08)
`Approved for use through 09/30/2010. OMB 0651-0032
`US. Patent and Trademark Office; US. DEPARTMENT OF COMMERCE
`Under the Paperwork Reduction Act of 1995, no persons are required to respond to a collection of information unless it displays a valid OMB control number.
`PROVISIONAL APPLICATION FOR PATENT COVER SHEET — Page 1 of 2
`This is a request for filing a PROVISIONAL APPLICATION FOR PATENT under 37 CFR1.53(c).
`Express Mail Label No.
`
`Given Name (first and middle [if any])
`
`INVENTOR 3
`Family Name or Surname
`
`Residence
`(City and either State or Foreign Country)
`
`Seongnam Si, KR
`Yongsung
`
`Hyungjun
`Seoul, KR
`
`Hyunjin
`
`Seoul, KR
`
`Yongin Si, KR
`
`
`
`
`
`separately numbered sheets attached hereto.
`Additional inventors are being named on the
`TITLE OF THE INVENTION 500 characters max :
`
`SYSTEM AND METHOD FOR MANAGING MOBILE WALLET AND ITS RELATED
`CREDENTIALS
`
`Direct all correspondence to:
`
`CORRESPONDENCE ADDRESS
`
`
`The address corresponding to Customer Number:
`
`58027
`
`OR
`
`Firm or
`Individual Name
`
`
`
`ENCLOSED APPLICATION PARTS (check all that apply)
`
`Application Data Sheet. See 37 CFR 1.76
`
`Drawing(s) NumberofSheets
`
`5
`
`D CD(s), Number of CDs
`
`D Other (specify)
`
`1 7
`Specification (e.g. description of the invention) Number ofPages
`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 ($135 for small entity) for each additional 50 sheets or fraction thereof. See 35 U.S.C. 41(a)(1)(G) and 37 CFR 1.16(s).
`METHOD OF PAYMENT OF THE FILING FEE AND APPLICATION SIZE FEE FOR THIS PROVISIONAL APPLICATION FOR PATENT
`
`Applicant claims small entity status. See 37 CFR 1.27.
`A check or money order made payable to the Director of the United States Patent alld Trademark Office
`is enclosed to cover the filing fee and application size fee (if applicable).
`_
`_
`Payment by credIt card. Form PTO—2038 IS attached.
`
`220 00
`'
`
`TOTAL FEE AMOUNT ($)
`
`The Director is hereby authorized to charge the filing fee and application size fee (if applicable) or credit any overpayment to Deposit
`Account Number:
`503698
`USE ONLY FOR FILING A PROVISIONAL APPLICATION FOR PA TENT
`This collection of information is required by 37 CFR 1.51. 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 1.11 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. Time will vary depending upon the individual case. Any comments on the
`amount of time you require to complete this form and/or suggestions for reducing this burden, should be sent to the Chief Information Officer, US Patent and
`Trademark Office, US. Department of Commerce, PO. Box 1450, Alexandria, VA 22313-1450. DO NOT SEND FEES OR COMPLETED FORMS TO THIS
`ADDRESS. SEND TO: Commissioner for Patents, P.O. Box 1450, Alexandria, VA 22313-1450.
`If you need assistance in completing the form, call 1-800-PTO-9199 and select option 2,
`
`Apple Ex. 1012, p. 1
`Apple Ex. 1012, p. 1
` Apple v. Fintiv
`Apple v. Fintiv
`lPR2020-00019
`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
`US. Patent and Trademark Office; US. DEPARTMENT OF COMMERCE
`Under the Paperwork Reduction Act of 1995, no persons are required to respond to a collection of information unless it displays a valid OMB control number.
`
`The invention was made by an agency of the United States Government or under a contract with an agency of the United States Government.
`No.
`
`D Yes, the name of the U.S. Government agency and the Government contract number are:
`
`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 USPTO to support a petition or an application.
`lfthis type of personal information is included in documents submitted to the
`USPTO, petitioners/applicants should consider redacting such personal information from the documents before submitting them
`to the USPTO. Petitioner/applicant is advised that the record of a patent application is available to the public after publication of
`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 /hae-chan park/
`
`Date December 30, 2010
`
`TYPED or PRINTED NAME Hae-Chan Park
`
`REGISTRATION NO. 50114
`(if appropriate)
`
`TELEPHONEM Docket Number: P4302USPR
`
`Apple Ex. 1012, p. 2
`Apple Ex. 1012, p. 2
` Apple v. Fintiv
`Apple v. Fintiv
`lPR2020-00019
`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 US. 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 US Patent and Trademark Office may not be able to
`process and/or examine your submission, which may result in termination of proceedings or
`abandonment of the application or expiration of the patent.
`
`The information provided by you in 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 (5 U.S.C 552a). Records from
`this system of records may be disclosed to the Department of Justice to determine whether
`disclosure of these records is required by the Freedom of Information Act.
`in the course of
`A record from this system of records may be disclosed, as a routine use,
`presenting evidence to a court, magistrate, or administrative tribunal, including disclosures to
`opposing counsel in the course of settlement negotiations.
`to a Member of
`A record in this system of records may be disclosed, as a routine use,
`Congress submitting a request involving an individual, to whom the record pertains, when the
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`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 orderto 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 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 (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 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 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 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 was filed 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 aware of 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
`lPR2020-00019
`IPR2020-00019
`
`

`

`PTOISBI14 (11-08)
`Approved for use through 09/30/2010. OMB 0651—0032
`US. Patent and Trademark Office; US. DEPARTMENT OF COMMERCE
`Underthe Paperwork Reduction Act of 1995, no persons are required to respond to a collection of information unless it contains a valid OMB control number.
`
`Application Data Sheet 37 CFR 1.76
`
`Application Number
`
`
`
`Attorney Docket Number P4302USPR
`
`document may be printed and included in a paper filed application.
`
`SYSTEM AND METHOD FOR MANAGING MOBILE WALLET AND ITS RELATED CREDENTIALS
`Title of Invention
`
`
`The application data sheet is 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
`
`Secrecy Order 37 CFR 5.2
`
`|:| Portions or all of the application associated with this Application Data Sheet may fall under a Secrecy Order pursuant to
`37 CFR 5.2 (Paper filers only. Applications that fall under Secrecy Order may not be filed electronically.)
`
`A- - licant Information:
`
`
`Applicant1
`Applicant Authority @Inventor OLegal Representative under 35 U.S.C. 117
`
`IOParty of Interest under 35 U.S.C. 118
`
`_— Kwo~
`Residence Information (Select One) 0 US Residency ® Non US Residency 0 Active US Military Service
`
`City
`Seongnam Si
`Country Of Residencei
`
`-
`
`Citizenship under 37 CFR 1.41(b) i
`
`KR
`
`Mailing Address of Applicant:
`
`Address 1
`
`
`
`Address 2
`
`Bundang Gu, Gyeonggi do
`
`Seongnam S'
`
`Postal Code
`
`StatelProvince
`
`A I I licant 2
`Applicant Authority @Inventor OLegal Representative under 35 U.S.C. 117 OParty of Interest under 35 U.S.C. 118
`
`Prefix Given Name
`Middle Name
`Family Name
`Suffix
`
`-———-
`
`Residence Information (Select One) 0 US Residency @ Non US Residency 0 Active US Military Service
`
`
`
`City
`
`Seoul
`
`Country Of Residencei
`
`
`Citizenship under 37 CFR 1.41(b) i
`
`Mailing Address of Applicant:
`
`Address 1
`202-9 302, Jamsil bon dong, Songpa Gu
`Address 2
`
`A licant 3
`
`401-1302 Lotte APT. Ggaichi Maeul, Gumi dong,
`
`
`Applicant Authority @Inventor OLegal Representative under 35 U.S.C. 117
`OParty of Interest under 35 U.S.C. 118
`Prefix Given Name
`Middle Name
`Family Name
`Suffix
`Jiwon
`KANG
`
`
`
`
`
`
`Residence Information (Select One) 0 US Residency @ Non US Residency 0 Active US Military Service
`
`City
`
`Seoul
`
`EFSWeb 2.2.2
`
`Country Of Residencei
`
`Apple Ex. 1012, p. 4
`Apple EX. 1012, p. 4
` Apple v. Fintiv
`Apple v. Fintiv
`IPR2020-00019
`IPR2020-00019
`
`

`

`PTOISBI14 (11-08)
`Approved for use through 09/30/2010. OMB 0651—0032
`US. Patent and Trademark Office; US. DEPARTMENT OF COMMERCE
`
`Underthe Paperwork Reduction Act of 1995, no persons are required to respond to a collection of information unless it contains a valid OMB control number.
`
`Application Data Sheet 37 CFR 1.76
`
`Attorney Docket Number
`
`P4302USPR
`
`
` Application Number
`
`SYSTEM AND METHOD FOR MANAGING MOBILE WALLET AND ITS RELATED CREDENTIALS
`Title of Invention
`
`
`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
`
`
`
`City
`
`Seoul
`
`State!Province
`
`KR
`Countryi
`Postal Code
`
`Applicant 4
`IOParty of Interest under 35 U.S.C. 118
`Applicant Authority @Inventor OLegal Representative under 35 U.S.C. 117
`mm
`-
`———
`-
`Residence Information (Select One) 0 US Residency
`(9 Non US Residency 0 Active US Military Service
`
`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
`
`Yongin Si
`
`Postal Code
`
`StatelProvince
`
`Countryi
`
`KR
`
`Inventor Information blocks may be
`Inventors Must Be Listed - Additional
`All
`generated within this form by selecting the Add button.
`
`
`Correspondence Information:
`
`Enter either Customer Number or complete the Correspondence Information section below.
`For further information see 37 CFR 1.33(a).
`
`|:| An Address is being provided for the correspondence Information 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
`|:|
`
`Provisional
`Application Type
`Subject Matter Utility
`
`
`
`Suggested Class (if any)
`
`
`Suggested Technology Center (if any)
`
`
`Total Number of Drawing Sheets (if any)
`5
`Suggested Figure for Publication (if any)
`
`EFSWeb 2.2.2
`
`Apple Ex. 1012, p. 5
`Apple EX. 1012, p. 5
` Apple v. Fintiv
`Apple v. Fintiv
`IPR2020-00019
`IPR2020-00019
`
`

`

`PTOISBI14 (11-08)
`Approved for use through 09/30/2010. OMB 0651—0032
`US. Patent and Trademark Office; US. DEPARTMENT OF COMMERCE
`
`Underthe Paperwork Reduction Act of 1995, no persons are required to respond to a collection of information unless it contains a valid OMB control number.
`
`P4302USPR
`Attorney Docket Number
`Application Data Sheet 37 CFR 1.76
`Application Number
`
`
`
`
`Title of Invention
`
`SYSTEM AND METHOD FOR MANAGING MOBILE WALLET AND ITS RELATED CREDENTIALS
`
`Publication Information:
`
`|:| Request Early Publication (Fee required at time of Request 37 CFR 1.219)
`
`Cl
`
`Request Not to Publish. I hereby request that the attached application not be published under 35 US.
`C. 122(b) and certify that the invention disclosed in the attached application has not and will not be the subject of
`an application filed in another country, or under a multilateral international agreement, that requires publication at
`
`eighteen months after filing.
`
`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 power of attorney in the application (see 37 CFR 1.32).
`sections
`Enter
`either Customer Number
`or
`complete
`the
`Representative Name
`section
`below.
`If
`both
`are completed the Customer Number will be used for the Representative Information during processing.
`
`Please Select One: 0 US Patent Practitioner 0 Limited Recognition (37 CFR 11.9) @ Customer Number
`
`
`
`Customer Number 58027
`
`Domestic Benefithational Stage Information:
`This section allows for the applicant to either claim benefit under 35 U.S.C. 119(e), 120, 121, or 365(0) 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(a)(4), and need not othen/vise be made part of the specification.
`
`Prior Application Status
`Application Number Filing Date (YYYY-MM-DD) Continuity Type Prior Application Number
`
`
`
`by selecting the Add button.
`
`
`
`
`
`Additional Domestic Benefit/National Stage Data may be generated within this form
`
`
`Foreign Priority Information:
`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 155(3).
`
`
`Application Number
`
`Parent Filing Date (YYYY-MM-DD)
`
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`
`
`
`Additional Foreign Priority Data may be generated within this form by selecting the
`Add button.
`
`
`Assignee Information:
`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 assignment recorded in the Office.
`
`
`Assignee 1
`
`EFSWeb 2.2.2
`
`Apple Ex. 1012, p. 6
`Apple EX. 1012, p. 6
` Apple v. Fintiv
`Apple v. Fintiv
`IPR2020-00019
`IPR2020-00019
`
`

`

`PTOISBI14 (11-08)
`Approved for use through 09/30/2010. OMB 0651—0032
`US. Patent and Trademark Office; US. DEPARTMENT OF COMMERCE
`Underthe Paperwork Reduction Act of 1995, no persons are required to respond to a collection of information unless it contains a valid OMB control number.
`
`
`Application Data Sheet 37 CFR 1.76
`Application Number
`
`Attorney Docket Number
`
`P4302USPR
`
`
`
`
`Title of Invention
`
`SYSTEM AND METHOD FOR MANAGING MOBILE WALLET AND ITS RELATED CREDENTIALS
`
`
`
`If the Assignee is an Organization check here.
`Organization Name SKC&C USA, Inc_
`
`
`
`Mailing Address Information:
`
`
`Address 1
`12600 Deerfield Parkway #425
`
`Address 2
`
`
`City
`
`Alpharetta
`
`StatelProvince
`Postal Code
`
`
`
`
`
`
`Phone Number
`
`Email Address
`
`Fax Number
`
`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
`lhae—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 amount of time you require to
`complete this form and/or suggestions for reducing this burden, should be sent to the Chief Information Officer, US. Patent and
`Trademark Office, US. Department of Commerce, PO. Box 1450, Alexandria, VA 22313—1450. DO NOT SEND FEES OR
`COMPLETED FORMS TO THIS ADDRESS. SEND TO: Commissioner for Patents, P.O. Box 1450, Alexandria, VA 22313-1450.
`
`EFSWeb 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 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 US. 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 may
`result in termination of proceedings or abandonment of the application or expiration of the patent.
`
`The information provided by you in 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, when the individual has requested assistance from the Member with 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 ofinformation 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 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 (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 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 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 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 pursuan
`to 35 U.S.C. 122(b) or issuance ofa 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 was filed 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 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 oflaw or regulation.
`
`EFSWeb 2.2.2
`
`
`Apple Ex. 1012, p. 8
`Apple EX. 1012, p. 8
` Apple v. Fintiv
`Apple v. Fintiv
`IPR2020-00019
`IPR2020-00019
`
`

`

`SYSTEM AND METHOD FOR MANAGING MOBILE WALLET AND ITS RELATED
`
`CREDEN TIALS
`
`Attorney Docket No P4302USPR
`
`CROSS REFERENCE TO RELATED APPLICATION
`
`5
`
`[0001] The present application is related to co-pending US. 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
`
`CONTAINMENT OF SENSITIVE FINANCIAL INFORMATION STORED IN A MOBILE
`
`1o
`
`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
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`by its mention here or in the background section that follows.
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`BACKGROUND OF THE INVENTION
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`[0002] l. FIELD
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`[0003] The following description relates to management of 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 GPS applications to mobile office products, mobile
`
`Apple Ex. 1012, p. 9
`Apple Ex. 1012, p. 9
` Apple v. Fintiv
`Apple v. Fintiv
`lPR2020-00019
`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 of storing 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, member cards,
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`transportation cards, and loyalty cards. However, the account specific information stored on the
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`physical cards may be stored 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 have an 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 Near Field
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`Communication chipset (NFC enabled) to make payments. Once the 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
`lPR2020-00019
`IPR2020-00019
`
`

`

`Attorney Docket No P4302USPR
`
`this technology is 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 technology still lacks effective means to manage
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`various payment applets 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 payment applets is
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`limited to usage at P08 devices as such information is 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 manage such applications without the use of POS equipment.
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`[0009] Another limitation of mobile wallet application is 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, makin g the
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`process more difficult than necessary.
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`[0010] Another issue with the mobile wallet application is 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
`lPR2020-00019
`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 of the present invention provide a system to provision
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`mobile card wallet management application 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 management application 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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`cun‘ent 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
`lPR2020-00019
`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 of the 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 incomorated 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] FlG. 1 is a system diagram of a mobile wallet application and associated
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`integration in accordance with an exemplary embodiment of 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 management application 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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`embodiment of the present invention.
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`[0022] FIG. 3 is a system diagram illustrating a syst