I 1111111111111111 11111 1111111111 111111111111111 11111 111111111111111 IIII IIII
`US007172112B2
`
`c12) United States Patent
`Bonalle et al.
`
`(IO) Patent No.:
`(45) Date of Patent:
`
`US 7,172,112 B2
`Feb.6,2007
`
`(54) PUBLIC/PRIVATE DUAL CARD SYSTEM
`AND METHOD
`
`4,066,873 A
`4,303,904 A
`
`l/ 1978 Schatz
`12/1981 Chasek
`
`(75)
`
`Inventors: David S. Bonalle, New Rochelle, NY
`(US); Aliza Freud, Maplewood, NJ
`(US); Jason E. Nanton, Nanuet, NY
`(US); Mary Ann Fitzmaurice Reilly,
`Nanuet, NY (US); Ray Sharp, Coral
`Springs, FL (US)
`
`(73) Assignee: American Express Travel Related
`Services Company, Inc., New York,
`NY (US)
`
`( *) Notice:
`
`Subject to any disclaimer, the term of this
`patent is extended or adjusted under 35
`U.S.C. 154(b) by 146 days.
`
`(21) Appl. No.: 10/709,815
`
`(22) Filed:
`
`May 28, 2004
`
`(Continued)
`
`FOREIGN PATENT DOCUMENTS
`
`CH
`
`689070
`
`8/1998
`
`(Continued)
`
`OTHER PUBLICATIONS
`
`"What's New: Timex Watch Features Speedpass System", http://
`www.speedpass.com/news/ article.j sp?id~5 l.
`
`(Continued)
`
`Primary Examiner-Ahshik Kim
`(74) Attorney, Agent, or Firm-Fitzpatrick, Cella, Harper &
`Scinto
`
`(65)
`
`Prior Publication Data
`
`(57)
`
`ABSTRACT
`
`US 2005/0035192 Al
`
`Feb. 17, 2005
`
`Related U.S. Application Data
`
`(63) Continuation-in-part of application No. 09/764,688,
`filed on Jan. 16, 2001, now Pat. No. 6,742,704.
`
`(60) Provisional application No. 60/177,530, filed on Jan.
`21, 2000.
`
`(51)
`
`Int. Cl.
`G06Q 40100
`(2006.01)
`(52) U.S. Cl. ....................................... 235/379; 380/384
`(58) Field of Classification Search ................ 235/379,
`235/380, 381, 384
`See application file for complete search history.
`
`(56)
`
`References Cited
`
`U.S. PATENT DOCUMENTS
`
`3,376,661 A
`
`4/ 1968 Hulett
`
`A system and method for providing a multiple-service card
`is disclosed. A card member 108 is provided with a single
`card that serves as both an open transaction instrument and
`a private retailer transaction instrument. This multiple-ser(cid:173)
`vice card may have the traditional credit card data on one
`side of the card, including, for example, the account number,
`name of the account holder, and the expiration date. The
`other side of the card may include a magnetic stripe that
`contains the account information in machine readable form
`as well as private retailer transaction instrument informa(cid:173)
`tion. In the system, the primary party and the service partner
`participants cooperate to complete the processes associated
`with the provision of the combined card services, including
`a new account process, card replacement and renewal pro(cid:173)
`cesses, a service partner cancellation process, and a process
`for cancellation and/or transfer by a primary party.
`
`32 Claims, 16 Drawing Sheets
`
`Petitioners Microsoft Corporation and HP Inc. - Ex. 1025, p. 1
`
`

`

`US 7,172,112 B2
`Page 2
`
`U.S. PATENT DOCUMENTS
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`
`Petitioners Microsoft Corporation and HP Inc. - Ex. 1025, p. 2
`
`

`

`US 7,172,112 B2
`Page 3
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`
`................ 705/38
`
`Petitioners Microsoft Corporation and HP Inc. - Ex. 1025, p. 3
`
`

`

`US 7,172,112 B2
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`3/2004 Watanen
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`
`Petitioners Microsoft Corporation and HP Inc. - Ex. 1025, p. 4
`
`

`

`US 7,172,112 B2
`Page 5
`
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`
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`
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`
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`Editor, http://www.idsystems.com/reader/ 1999 _03/phys0399 _pt2/
`phys0399 _pt2 .htm.
`"'Magic Wands' to Speed Mobile Sales", BobBrewin, Jan. 15, 2001,
`http://www.computerworld.com/mobiletopics/mobile/story/
`1, 10801,563300.html.
`"Mobile Speedpass Goes Global as Mobil Singapore Rolls Out
`Asia's First RFID-Based-Pay-At-The-Pump System", Press
`Release, Apr. 5, 1999, http://www.ti.com/tiris/docs/news_releases/
`rell2.htm.
`"Speedpass Unleashed", Jun. 4, 2002 http://www.cardweb.com/
`cardtrak/news/cf2 20a_97.htrnl.
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`prophecy.com/pcu9 .htm.
`International Newsletter of the TI RFID Group, Issue 20, 2000.
`"CES: Microsoft's SPOT Technology has Humble Origins", by
`James Niccolai, Jan. 10, 2003, http://archive.inforworld.com/ar(cid:173)
`ticles/hn/xrnl/03/01/10/030 l lOhnspot.xml?F lDGNS.
`"Microsoft: See SPOT Run On Your Wrist", by Richard Shim, Jun.
`5,
`2003,
`http://news.com.com/2100-1041_3-1013442.
`html?tag~fd_top.
`"Networking: Microsoft SPOT", by Jeremy A. Kaplan, Jul. 1, 2003,
`http://www. pcmag.corn/print_article/0 ,3048 .a~43 561,00 .asp.
`"Microsoft Launches Smart Personal Object Technology Initiative",
`Press Release from COMDEX Fall 2002, Nov. 17, 2002, http://
`www.Microsoft.com/presspass/features/2002/nov02/ l l-17SPOT.
`asp.
`"Bank Extends RFID Payment Pilot: Bank of America will continue
`to test its QuickWave RFID payment card for another three
`months", RFID Journal, Jan. 23, 2003.
`"MasterCard to Test RFID Card: Pilot will test whether consumers,
`merchants and credit card issuers value "contactless" payments",
`RFID Journal, Dec. 20, 2002.
`Vendors Target Amusement Parks: Protecting children and enabling
`cashless payments make RFID an appealing option for the enter(cid:173)
`tainment Industry, RFID Journal, Nov. 27, 2002.
`"Inside's Next-Gen Smart Card: The French company plans to
`Introduce an RFID card that uses a 16-bit microprocessor and new
`encryption technology", RFID Journal, Oct. 29, 2002.
`"Sony, Philips Creating RFID Link: Consumer electronics giants are
`jointly developing a new RFID standard for payments and for
`communication between devices", RFID Journal, Sep. 17, 2002.
`"Japan Gets Digital Ticket System: A national ticket seller and
`phone company are teaming up to create an electronic ticket", RFID
`Journal, Aug. 31, 2002.
`"Security for Wireless Java: NTRU, a startup that offers security
`software, has released of Java version of its NTRU encryption
`algorithm", RFID Journal, Jun. 27, 2002.
`"Making RFID Payments Ubiquitous: Philips and Visa want people
`to be able to pay for goods and services anywhere by using RFID
`chips embedded in the phones and other devices", RFID Journal,
`Jun. 2, 2003.
`"RFID Smart Cards Gain Ground: The convenience of contactless
`transactions is driving widespread adoption of contactless smart
`cards", RFID Journal, Apr. 9, 2003.
`"TI Embraces Prox Card Standard: Texas Instruments ISO 14443
`payment platform promises faster data transfer rates and more
`security", RFID Journal, Mar. 6, 2003.
`"Multiple Frequency Transponders: Volume production of dual(cid:173)
`band RFID chips begins", Frontline Solutions, Jul. 16, 2003.
`Functional Specification, Standard Card IC MFl IC S50, Philips
`Semiconductors, Product Specification Rev. 5.1 May 2001.
`
`Petitioners Microsoft Corporation and HP Inc. - Ex. 1025, p. 5
`
`

`

`US 7,172,112 B2
`Page 6
`
`http:/ /www. semi conductors. philips. com/news/ content/file_ 87 8.
`html, Apr. 7, 2003.
`http://www.palowireless.com/Iinfotooth/whatis.asp, Apr. 28, 2003.
`http://www.palowireless.com/infotooth/tutorial.asp, Apr. 28, 2003.
`http:/ /www. palowireless .corn/infotooth/tutorial/pro files. asp, Apr.
`28, 2003.
`http://www. palowireless.corn/infotooth/tutorial/radio .asp, Apr. 28,
`2003.
`http:/ /www. palowireless .corn/infotooth/tutoria 1 /baseband.asp, Apr.
`28, 2003.
`http://www. palowireless.corn/infotooth/tutorial/imp.asp, Apr. 28,
`2003.
`http://www. palowireless.corn/infotooth/tutorial/hci.asp, Apr. 28,
`2003.
`http://www. palowireless.corn/infotooth/tutorial/ l 2cap.asp, Apr. 28,
`2003.
`
`http:/ /www. palowireless .corn/ infotooth/tutorial/rfcomm.asp, Apr.
`28, 2003.
`http://www. palowireless.corn/infotooth/tutorial/sdp.asp, Apr. 28,
`2003.
`http:/ /www. palowireless .corn/ infotooth/tutorial/k 1 _gap .asp, Apr.
`28, 2003.
`"Sony, Philips to Test RFID Platform", RFID Journal, May 8, 2003.
`Costco, The Choice is Yours, 1998, http://www.costco.com/framset.
`asp?trg~subcat%2Easp&catid~502&subsid~503&log~.
`For Partners, Card Co-branding, 2000, http://www.statravel.com.
`sg/idcards/pcobrand.
`USBanker, Article 5, 1995, http://www.banking.com/us-banker/
`art5.
`
`* cited by examiner
`
`Petitioners Microsoft Corporation and HP Inc. - Ex. 1025, p. 6
`
`

`

`U.S. Patent
`
`Feb.6,2007
`
`Sheet 1 of 16
`
`US 7,172,112 B2
`
`~,
`
`~,
`
`~,
`
`~I
`
`~I
`
`, -
`•
`
`CJ -LL
`
`~,
`
`~I
`
`Petitioners Microsoft Corporation and HP Inc. - Ex. 1025, p. 7
`
`

`

`"'""' N = N
`
`"'""'
`'-"
`N
`--...l
`"'""'
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`~
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`
`CODES
`CREATE
`
`241
`!
`
`BYTE FILE
`RECEIVE
`
`240
`~
`FILE
`BYTE
`SEND
`
`226
`
`I+-
`
`TABLES
`UPDATE
`
`I+
`
`242
`
`REPORT
`BALANCING
`rot-PRODUCE
`
`,....
`
`230
`+
`FILE
`BYTE
`CREATE
`
`225
`
`UP
`BACK-
`CREATE
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`253
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`243
`
`FILE
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`
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`
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`
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`INFORMATION
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`
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`
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`TRANSMIT
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`
`ACCOUNTS
`APPROVED
`IDENTIFY
`
`250
`t
`
`251
`
`260
`
`ACCOUNTS
`APPROVED
`
`FILE
`
`SEND
`244
`
`i.--
`
`APPLICATIONS
`
`DECLINED
`PROCESS
`
`i----
`
`245
`
`REPORT
`BALANCING
`
`PROCESS
`
`CREATEJCL .. UPDATE
`
`246
`
`247
`i
`
`REPORT
`BALANCING
`
`... TRANSMIT
`
`231
`
`REPORT
`AGING
`-+-PRODUCE
`
`APPLICATIONS
`
`PAPER
`RETURN
`
`GUIDELINES
`RETENTION
`ALIGN WITH I+
`
`232
`
`233
`
`234
`
`BACK-UP
`CREATE
`
`248
`
`I-+
`
`NUMBER
`CONTROL
`~ CREATE
`
`224
`
`TO DATABASE
`INFORMATION
`
`... TRANSFER
`
`223
`
`INFORMATION
`
`INFORMATION
`APPLICATION
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`222
`
`221
`
`PROCESSING
`APPLICATION
`
`INITIAL
`
`220
`~
`
`210
`SUBMISSION OF APPLICATION
`
`INFORMATION
`
`Petitioners Microsoft Corporation and HP Inc. - Ex. 1025, p. 8
`
`

`

`""'"' N = N
`
`""'"'
`,..N
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`283
`
`I
`
`PLASTIC FILE
`FILE WITH
`EMBOSSING
`MERGE
`
`284
`
`,I
`
`REPORT
`REJECT
`CREATE
`
`285
`
`FIG.2b
`
`DATABASE
`ACCOUNTS
`ACCOUNTS
`IDENTIFIED ~ IDENTIFIED
`TRANSMIT
`MERGE
`
`TO
`
`290
`
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`FILE
`DAILY FILE
`TRANSMIT ~ DAILY
`SORT
`291
`
`292
`
`1-4-
`
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`CREATE
`
`REPORT
`BALANCING
`PRODUCE
`
`293
`
`294
`
`FILE
`
`282
`,.
`
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`RECEIVE
`IDENTIFY
`
`FILE
`
`281
`
`280
`
`FILE
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`271
`
`DATABASE ~ PLASTIC ~
`
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`270
`
`REPORT
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`
`FILE
`
`264
`
`263
`
`262
`
`261
`
`260
`
`251
`
`Petitioners Microsoft Corporation and HP Inc. - Ex. 1025, p. 9
`
`

`

`"'""' N = N
`
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`,
`
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`REQUEST FOR
`
`310
`
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`
`DATA FILE
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`SERVICE
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`RECEIVE
`
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`
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`
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`NOTIFY
`335
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`ISSUE
`334
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`i-----..
`
`PLASTIC
`AND SEND
`EMBOSS
`
`333
`
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`
`INFORMATION
`EMBOSSING
`
`SEND
`332
`
`REPORT H FORWARD H ATTEMPT H SEND REQUEST
`
`CASE
`FRAUD
`TO SOLVE
`
`REPORT
`FRAUD
`
`OF FRAUD
`
`322
`
`321
`
`320
`
`ENGINE
`SERVICE
`CARD
`UPDATE
`
`331
`
`...
`
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`REPLACEMENT
`EMERGENCY
`
`330
`
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`REPLACEMENT
`SEND FILE TO
`
`REPORT
`BALANCING
`PRODUCE
`
`-
`
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`342 ~ 341
`1
`
`REQUEST
`RECEIVE
`
`360
`
`FIG.Sa
`
`BACK-UP
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`CREATE
`READ
`356 ~ 355 ~ 354 ~ 353 ~ 352 ~ 351
`
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`
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`
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`
`REQUEST
`PLASTIC
`UPDATE
`
`ADMINISTRATOR
`REPLACEMENT
`
`TO CARD
`
`323 H 324
`
`Petitioners Microsoft Corporation and HP Inc. - Ex. 1025, p. 10
`
`

`

`"'""' N = N
`
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`
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`
`380
`
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`
`FILE
`EMBOSSING
`CLEAN' ·
`
`NUMBERS
`ACCOUNT
`RE~SEND
`
`REPORT
`REJECT
`GENERA TE
`
`393 H 394 ~ 395
`
`CARDS
`SEND
`
`392
`
`CARDS
`EMBOSS
`
`391
`
`WITH PRIOR
`INFORMATION
`EMBOSSING
`
`FILE
`
`MERGE
`
`390
`
`CREATE EXCEPTION REPORT
`
`389
`
`TRANSMIT EMBOSSING FILE
`
`388
`
`ACCOUNTS
`SEGMENT
`
`ACCOUNTS
`SEND FILE
`
`OF
`
`REPORT
`BALANCING
`SEND
`
`384 H383 H382 H~1
`
`DATA
`MERGE
`
`385 H
`
`REPLACEMENTS
`IDENTIFY OTHER
`
`387 H 386 H
`
`FILE
`DAILY
`SORT
`
`EMBOSSING
`
`FILE
`
`CREA TE
`
`EMBOSSING
`SEND DAILY
`
`PLASTIC
`
`FILE
`
`352 w 360 w 361 w 370 w 371
`
`PLASTIC FILE
`CREA TE DAILY
`
`REQUEST
`UPDATE
`
`REQUEST
`RECEIVE
`
`-
`
`REQUEST
`
`SEND
`
`Petitioners Microsoft Corporation and HP Inc. - Ex. 1025, p. 11
`
`

`

`"'""' N = N
`
`"'""'
`'-"
`N
`--...l
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`
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`
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`
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`
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`
`430
`
`CREATE BACK-UP
`
`424
`~
`
`CREATEJCLPROCESS
`
`423
`i
`
`PRODUCE BALANCING
`
`REPORT
`
`422
`i
`
`CUSTOMER SERVICE
`SEND REPORT TO
`
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`
`421
`i
`REPORT
`PRODUCE
`
`420
`
`CANCELLATION
`
`TRANSMIT
`
`FILE
`
`410
`
`Petitioners Microsoft Corporation and HP Inc. - Ex. 1025, p. 12
`
`

`

`"'""' N = N
`
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`'-"
`N
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`
`MIGRATION
`PERFORM
`
`ADVANCEMENT
`
`PROCESS
`
`ACCOUNTS
`TR!Jt~iR
`
`543 H 544 H 545
`
`LIST
`MEMO
`OPEN
`542
`
`QUEUE
`MEMO
`OPEN
`541
`
`FIG.Sa I OPTIONS
`TRANSFER
`IDENTIFY
`
`540
`
`ATTRITION
`
`TE~rd~ti~N
`
`VERIFY M PROCESS
`
`550
`
`I
`
`I
`
`531
`
`MEMBER
`CARO
`TRANSFER
`
`530
`
`TRANSACTION
`MIGRATION
`
`ADVANCEMENT
`
`ACCOUNTS
`J-+J TRANSFER
`
`OBTAIN H PROCESS H PERFORM
`
`525
`
`524
`
`523
`
`LIST
`MEMO
`OPEN
`522
`
`t---,.
`
`NOTATION
`INSERT
`
`520 H 521
`
`QUEUE
`MEMO
`OPEN
`
`TERMINATION REQUEST
`RECEIVE CONVERSION OR
`
`510
`
`Petitioners Microsoft Corporation and HP Inc. - Ex. 1025, p. 13
`
`

`

`"""" N = N
`
`""""
`'-"
`N
`""""
`--...l
`'-"--...l
`
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`
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`0 ....
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`rJJ =(cid:173)
`
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`
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`
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`
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`
`I FIG.Sb
`
`L __
`
`I L --__ _J
`
`CANCELLATION
`
`REPORT
`PRODUCE
`
`563
`
`,
`
`PRODUCT
`TO NEW
`TRANSFER
`
`570
`
`..
`
`REPORT
`BALANCING
`PRODUCE
`
`__ ___J , ___
`
`PROCESS
`CREATE
`
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`
`571
`
`572
`
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`
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`l
`
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`
`573
`
`BACK-UP
`
`BALANCE WITH THE CARD GENERATOR
`
`584
`
`1
`
`CANCELLATION
`
`FILE
`
`CREATE
`
`-
`
`583 H 582 H 581 H 580 H 562 H 561
`VERIFY II PROCESS II UPDATE
`553 H 560
`
`CANCELLATION
`
`FILE
`
`TRANSMIT
`
`-
`
`CANCELLATION
`
`FILE
`
`RECEIVE
`
`-
`
`ACCOUNTS
`EXTRACT
`
`RENEWAL
`CHANGE/
`UPDATE
`
`FILE
`
`RENEWAL FILE
`
`CHANGE/
`CREATE
`
`552
`
`LINKAGE
`SYSTEM
`SEVER
`
`ALONE CARD
`ISSUE STAND·
`
`REPORT
`BALANCING
`PRODUCE
`
`CODE
`CANCEL
`WITH
`
`ATTRITION
`
`TERMINATION
`
`DECISION
`
`551
`
`I
`
`I
`
`550
`
`l
`
`I
`
`531
`
`Petitioners Microsoft Corporation and HP Inc. - Ex. 1025, p. 14
`
`

`

`U.S. Patent
`
`Feb.6,2007
`
`Sheet 9 of 16
`
`US 7,172,112 B2
`
`Issue A Financial
`Transaction
`Instrument
`
`1100
`~1110 ~
`
`,,
`
`Enrolling Multiple
`Issuers
`
`""-1112
`
`,,
`
`Present Transaction
`Instrument
`
`'-....1114
`
`•I,
`
`Loading Distinct Issuer
`Data
`
`""1116
`
`,.
`
`Manage Data Sets Associated With
`Financial Transaction Instrument
`
`Add a
`Data Set
`
`Modity a
`Data Set
`
`Delete a
`Data Set
`
`'-....1120
`
`~1130
`
`~1140
`
`~1150
`
`' .
`Transaction Instrument
`Presented For Completion
`Of Transaction
`
`1122
`
`FIG. 6
`
`Petitioners Microsoft Corporation and HP Inc. - Ex. 1025, p. 15
`
`

`

`"'""' N = N
`
`"'""'