mobile wallet account (step 370). Any of channels 111 may be used to perform these
`
`communications.
`
`[00111]
`
`Figure 4 showsthree different graphics (401-403) and corresponding method
`
`steps (410-490) that illustrate an unbanked subscriber making a withdrawal using a mobile
`
`wallet (and, by extension, using the mobile wallet transaction system 210). As above, the
`
`terms in the graphics include “SC” representing cash balance and “$E” representing
`
`eMoneybalance.
`
`[00112]
`
`To withdraw cash at an agent branch, a subscriber submits a withdrawal request
`
`using their application (401). The subscriber may also enter information about the agent
`
`branch (e.g. name of establishment, name of agent, location or other information) that
`
`allows the monetary transaction system 210 to identify the agent branch. The transaction
`
`processor 216 may then determine whether the unbanked subscriber has enough eMoney
`
`to withdraw the requested amount. If he or she does have enough eMoney, then the
`
`subscriber’s eMoney is deducted and that amount is transferred to the agent branch’s
`
`eMoneyaccount (402). Then, the agent branch gives the subscriber the requested amount
`
`of cash (403). In this manner, any entity that has established itself as an agent branch
`
`(including retail stores, gas stations, service providers, etc.) can provide cash withdrawal
`
`to a mobile wallet subscriber (whether banked or unbanked). The agent’s or agent
`
`manager’s role is to verify the withdrawal request (e.g. via SMS on the agent’s or agent
`
`manager's phone) and gives the cash to subscriber. The subscriber requests cash withdrawal
`
`from agent branch's eMoneyaccount via the application, and receives physical cash from
`
`agent manager/agent. The mobile wallet platform processes the request, updates the agent
`
`- Page 34 -
`
`Docket No. 18756.8.1.1.1.1.1.1
`
`APPL-1002
`APPLEINC./ Page 1508 of 1744
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`WORKMANNYDEGGER
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`APROFESSIONALCORPORATION
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`ATTORNEYSATLAW60EASTSOUTHTEMPLE
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`SUITE1000
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`SALTLAKECITY,UTAH84111
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`APPL-1002
`APPLE INC. / Page 1508 of 1744
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`

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`branch’s and subscriber's eMoney balances, logs the transaction, and sends transaction
`
`details to a specified bank at pre-determined intervals.
`
`[00113]
`
`In one embodiment, the monetary transaction system 210 is implemented to
`
`withdraw funds at an agent branch using a mobile wallet. The communication module 215
`
`receives a communication from an unbanked subscriber over one ofa plurality of channels
`
`111 connected to the monetary transaction system 210 (step 410). The communication
`
`indicates that the unbanked subscriber 205 desires to withdraw a specified amount of funds
`
`from the unbanked subscriber's mobile wallet account at the agent branch. The monetary
`
`transaction system 210 validates the status of the unbanked subscriber's mobile wallet
`
`account(step 420) and determinesif the balance of the unbanked subscriber's mobile wallet
`
`account1s sufficient to accommodate the requested withdrawal for the specified amount of
`
`funds (step 430).
`
`[00114]
`
`The transaction processor 216 performs one or more ofa limit check (to verify
`
`sufficient funds) and a velocity check (to verify the subscriber hasn’t exceeded specified
`
`transfer limits) on the unbanked subscriber's mobile wallet account (step 440). The
`
`monetary transaction system 210 then returns a secure, perishable withdrawal code to the
`
`subscriber 205 overat least one of the plurality of channels 111 connected to the monetary
`
`transaction system (step 450). The monetary transaction system 210 receives subsequent
`
`agent branch communication overat least one of the plurality of channels connected to the
`
`monetary transaction system indicating that the withdrawal code has been presented to the
`
`agent branch (step 460). The monetary transaction system 210 then debits the unbanked
`
`subscriber's mobile wallet account by the specified amount of funds (step 470), returns a
`
`notification to the agent branch confirming the withdrawal (step 480) and notifies the
`
`- Page 35 -
`
`Docket No. 18756.8.1.1.1.1.1.1
`
`APPL-1002
`APPLEINC./ Page 1509 of 1744
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`WORKMANNYDEGGER
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`APROFESSIONALCORPORATION
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`ATTORNEYSATLAW60EASTSOUTHTEMPLE
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`SUITE1000
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`SALTLAKECITY,UTAH84111
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`APPL-1002
`APPLE INC. / Page 1509 of 1744
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`

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`subscriber that
`
`the specified amount of funds was withdrawn from the unbanked
`
`subscriber's mobile wallet account over at least one of the channels 111 connected to the
`
`monetary transaction system (step 490). Accordingly, the monetary transaction system 210
`
`maybe used to allow subscribers to withdraw cash using their mobile wallet applications
`
`at any store or other entity registered as an agent branch.
`
`[00115]
`
`Figure 5A depicts a subscriber-to-subscriber eMoneytransfer. To perform such
`
`a transfer, subscriber A (501) enters some type of identification information identifying
`
`subscriber B (e.g. subscriber B’s phone number) and an amount of moneyhe or she wishes
`
`to transfer. The transaction processor 216 of the monetary transaction system 210
`
`determines if there are sufficient funds to complete the transfer. If sufficient funds are
`
`available, the monetary transaction system 210 decrements subscriber A's account and
`
`credits subscriber B’s account (502). The system then sends somekind ofnotification (e.g.
`
`SMS)to subscriber B indicating that a certain amount of money wastransferred to their
`
`account. Subscriber A may also receive a notification that the transfer was successful.
`
`Accordingly, eMoney may be transferred between two mFS platform subscribers, one or
`
`both of which may be unbanked. The monetary transaction system 210 processes the
`
`subscribers’ requests, updates the subscribers’ eMoney balances, logs the transactions, and
`
`sendstransaction information to a specified bank when needed.
`
`[00116]
`
`Figure 5B illustrates a subscriber-to-non-subscriber eMoneytransfer.
`
`In
`
`graphic 505, subscriber A wishes to send eMoney to another individual that is not a
`
`subscriber to the mFS platform. The transaction is initiated in the same fashion as the
`
`subscriber-to-subscriber transfer scenario. However, since non-subscriber B does not have
`
`a mobile wallet account, the monetary transaction system 210 cannot credit them with
`
`- Page 36 -
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`Docket No. 18756.8.1.1.1.1.1.1
`
`APPL-1002
`APPLEINC./ Page 1510 of 1744
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`WORKMANNYDEGGER
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`APROFESSIONALCORPORATION
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`ATTORNEYSATLAW60EASTSOUTHTEMPLE
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`SUITE1000
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`SALTLAKECITY,UTAH84111
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`APPL-1002
`APPLE INC. / Page 1510 of 1744
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`

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`eMoney.Instead, the monetary transaction system 210 sends a notification (e.g. via SMS)
`
`to non-subscriber B with instructions for how to pick-up the transferred money, along with
`
`an authorization code (506). The monetary transaction system 210 puts a hold on subscriber
`
`A's account for the amounttransferred. Subscriber B then has a specified number of days
`
`to pick up the cash before the hold expires and the amountis credited back to subscriber
`
`A's eMoney account by the monetary transaction system 210.
`
`[00117] When non-subscriber B goes to pick up the moneyat an agent branch, the agent
`
`branch’s manageror agent verifies the authorization code via an agent manager or agent
`
`mobile wallet application (that, in turn, accesses the mFS platform). Once the transfer has
`
`been validated, the agent gives the cash to non-subscriber B. The agent branch’s mFS
`
`accountis credited with the transfer amount (507) and the user leaves with the cash in hand
`
`(508). The mFS platform processes the transfer request, updates subscriber A's eMoney
`
`balance, logs the transaction, and sends transaction details to a platform-specified bank.
`
`[00118]
`
`Figure 6Aillustrates a subscriber-to-subscriber international eMoneytransfer.
`
`This embodiment is, at least in some respects, similar to sending eMoney to an mFS
`
`subscriber domestically. In this case the monetary transaction system 210 leverages one or
`
`more existing international money transfer organizations or “remittance companies” such
`
`as MoneyGram®. In some embodiments, MoneyGram®is pre-integrated to the monetary
`
`transaction system 210, but other international money transfer organizations may also be
`
`used. Still further, at least in some embodiments, subscriber B may need to have an eMoney
`
`account with a foreign mFS program that is also affiliated with MoneyGram® or another
`
`international moneytransfer organization.
`
`- Page 37 -
`
`Docket No. 18756.8.1.1.1.1.1.1
`
`APPL-1002
`APPLEINC./ Page 1511 of 1744
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`WORKMANNYDEGGER
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`APROFESSIONALCORPORATION
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`ATTORNEYSATLAW60EASTSOUTHTEMPLE
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`SUITE1000
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`SALTLAKECITY,UTAH84111
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`APPL-1002
`APPLE INC. / Page 1511 of 1744
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`

`

`[00119]
`
`In Figure 6A, subscriber A initiates the international eMoneytransfer at 601,
`
`the international moneytransfer organization (e.g. MoneyGram®)transfers the eMoney to
`
`subscriber B at 602 and subscriber B’s eMoney balance is increased by the transferred
`
`amount. Thus, subscriber A requests to send eMoney from his or her eMoney account via
`
`the mobile wallet application. The eMoneyis transferred using an international money
`
`transfer organization, and subscriber B receives a notification (that may, for example,
`
`include a reference number, among other information) that their eMoney balance has
`
`increased by the transfer amount. The monetary transfer system 210 processes subscriber
`
`A’s request, updates subscriber A's and subscriber B's eMoney balances,
`
`logs the
`
`transaction, and send transaction details to a mFS platform-specified bank.
`
`[00120]
`
`Figure 6B illustrates a subscriber-to-non-subscriber international eMoney
`
`transfer. In this illustration, subscriber A wishes to send cash to subscriber B who is not an
`
`mFS program subscriber. Similar to the scenario described in Figure 6A, the monetary
`
`transaction system 210 leverages various international moneytransfer organizations or
`
`remittance companies such as MoneyGram®to transfer the eMoney. Subscriber A initiates
`
`a typical eMoney transfer at 605 by providing non-subscriber B’s
`
`identification
`
`information, as well as the amountto be transferred. The Monetarytransaction system 210
`
`recognizes the eMoneytransfer is not destined for a domestic phone numberand routes the
`
`request to the international moneytransfer organization (e.g. MoneyGram®)(606).
`
`[00121]
`
`The international money transfer organization sends non-subscriber B a
`
`notification (e.g. via SMS) with instructions for how and where to pick up the money (in
`
`embodiments where MoneyGram® transfers the eMoney, the notification may include a
`
`MoneyGram® reference number (MGRN)) (607). Non-subscriber B can then show the
`
`- Page 38 -
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`Docket No. 18756.8.1.1.1.1.1.1
`
`APPL-1002
`APPLEINC./ Page 1512 of 1744
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`WORKMANNYDEGGER
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`APROFESSIONALCORPORATION
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`ATTORNEYSATLAW60EASTSOUTHTEMPLE
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`SUITE1000
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`SALTLAKECITY,UTAH84111
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`APPL-1002
`APPLE INC. / Page 1512 of 1744
`
`

`

`MGRN to an agentat an agent branch (608) and then receive the cash (609). The monetary
`
`transaction system 210 then decrements subscriber A's eMoney accountfor the transferred
`
`amount. The monetary transfer system 210 thus processes subscriber A’s transfer request,
`
`updates subscriber A's eMoney balance, logs the transaction, and sends transaction detail
`
`to a platform-specified bank. It should also be noted that an mFS subscriber mayalso
`
`receive moneyin a foreign country from either a subscriber or a non-subscriber in a similar
`
`manner.
`
`[00122]
`
`Figure 7 illustrates a subscriber purchasing airtime using a mobile wallet.
`
`Mobile wallet platform subscribers may buy airtime by using their mobile wallet
`
`application 207. The monetary transaction system 210 will reload their airtime account
`
`within the mobile network operator’s (MNO's) systems. The subscriber requests to
`
`purchase airtime by entering the request via the mobile wallet application or via a mobile
`
`wallet web interface. The monetary transaction system 210 then decrements the
`
`subscriber's eMoney account (701), while crediting the mFS platform’s eMoney account
`
`(702). The purchased airtime is then added to the subscriber’s airtime balance (703). The
`
`monetary transaction system 210 processes the subscriber’s
`
`request, updates
`
`the
`
`subscriber's eMoney balancesas well as its own eMoneybalance, logs the transaction, and
`
`sendstransaction detail to a mFS platform-specified bank.
`
`[00123]
`
`In one embodiment, the monetary transaction system 210 is implemented to top
`
`up a prepaid mobile account from a mobile wallet. The communication module 215 of the
`
`monetary transaction system 210 receives a subscriber communication over one of a
`
`plurality of channels 111 connected to the monetary transaction system (step 710). The
`
`subscriber communication indicates that an unbanked subscriber 205 desires to top up a
`
`- Page 39 -
`
`Docket No. 18756.8.1.1.1.1.1.1
`
`APPL-1002
`APPLEINC./ Page 1513 of 1744
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`
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`WORKMANNYDEGGER
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`APROFESSIONALCORPORATION
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`ATTORNEYSATLAW60EASTSOUTHTEMPLE
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`SUITE1000
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`SALTLAKECITY,UTAH84111
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`APPL-1002
`APPLE INC. / Page 1513 of 1744
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`

`

`prepaid mobile account by a specified amount using a specified payment method from the
`
`unbanked subscriber’s mobile wallet. The transaction processor 216 validates the status of
`
`the selected payment method (step 720) and performs a limit check and/or a velocity check
`
`on the selected payment method (step 730). The monetary transaction system 210 then
`
`debits the specified payment method by the specified amount of funds (step 740) and
`
`processes the mobile top-up via a billing system integrator and/or an aggregator (step 750),
`
`andnotifies the subscriber that the prepaid mobile account was topped up overat least one
`
`of the channels connected to the monetarytransaction system (step 760).
`
`[00124]
`
`Figure 8 illustrates an embodiment where a mFS subscriber paysa bill using a
`
`mobile wallet. At least in some embodiments, the company that the subscriber wishes to
`
`payneeds to have signed-upto be part of the mFS platform. The mFS platform may publish
`
`a list of company namesthat have registered to be part of the mFS platform. This list of
`
`companies may include company IDsso that subscribers can know which company ID to
`
`enter in their mobile wallet application. Once the companyID 1s known,the subscriber can
`
`paya bill by entering the company ID and the amountto be paid. The monetary transaction
`
`system 210 then decrements the subscriber's eMoney account (801) and credits the
`
`identified company's eMoneyaccount (802). Accordingly, in response to the subscriber’s
`
`request to pay bill via their mobile wallet application, the monetary transaction system 210
`
`processes the request, updates the bill pay company’s and the subscriber's eMoney
`
`balances, logs the transaction, and sends transaction details to the mFS platform-specified
`
`bank.
`
`[00125]
`
`Inone embodiment, the monetary transaction system 210 is implemented to pay
`
`a bill from a mobile wallet. The communications module 215 of the monetary transaction
`
`- Page 40 -
`
`Docket No. 18756.8.1.1.1.1.1.1
`
`APPL-1002
`APPLEINC./ Page 1514 of 1744
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`
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`WORKMANNYDEGGER
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`APROFESSIONALCORPORATION
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`ATTORNEYSATLAW60EASTSOUTHTEMPLE
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`SUITE1000
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`SALTLAKECITY,UTAH84111
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`APPL-1002
`APPLE INC. / Page 1514 of 1744
`
`

`

`system 215 receives a subscriber communication over a communication channel 111
`
`connected to the monetary transaction system (step 810). The subscriber communication
`
`indicates that unbanked subscriber 205 desires to paya bill for a specified amount using a
`
`specified payment method from the unbanked subscriber’s mobile wallet (e.g. eMoney).
`
`The monetary transaction system 210 validates the status of the selected payment method
`
`(step 820) and performs a limit check and/or a velocity check on the selected payment
`
`method to ensure the eMoneytransfer is permissible (step 830). The monetary transaction
`
`system then debits the specified payment method by the specified amount of funds (step
`
`840), processes the bill payment via a direct biller connection or a bill pay aggregator (step
`
`850), and notifies the unbanked subscriber that the bill was paid using a communication
`
`channel (e.g. SMS) connected to the monetary transaction system (step 860). Thus, in this
`
`manner, a subscriber may use a mobile wallet to pay various bills including rent, utility,
`
`mortgage, phone, cable, medical and otherbills.
`
`[00126]
`
`Figure 9 illustrates a mobile wallet subscriber making a retail purchase.
`
`[00127] Mobile wallet subscribers can makeretail purchases at agent branchesdirectly
`
`from their mobile device. Agent branches, as explained above, are retail stores or other
`
`entities that have registered with the mFS system and are able to accept mobile wallet
`
`payments. Accordingly, a subscriber can select the items they wish to purchase, and
`
`indicate (via the mobile wallet application) to the agent branch that they wish to pay for
`
`the items. The mobile wallet application then communicates with the agent branch and the
`
`monetary transaction system to indicate the price of the transaction. The monetary
`
`transaction system 210 then debits the subscriber’s eMoney account (901) and credits the
`
`agent branch’s eMoney account (902). The agent branch (and/or the agent manager or
`
`- Page 41 -
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`Docket No. 18756.8.1.1.1.1.1.1
`
`APPL-1002
`APPLEINC./ Page 1515 of 1744
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`WORKMANNYDEGGER
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`APROFESSIONALCORPORATION
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`ATTORNEYSATLAW60EASTSOUTHTEMPLE
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`SUITE1000
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`SALTLAKECITY,UTAH84111
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`APPL-1002
`APPLE INC. / Page 1515 of 1744
`
`

`

`agent) receives confirmation that subscriber paid for the purchase. The subscriber may also
`
`receive a summary of the retail purchase and may be asked to confirm the purchase by
`
`entering a PIN. The monetary transaction system processes the purchase request, updates
`
`the agent branch and subscriber's eMoney balances,
`
`logs the transaction, and sends
`
`transaction details to a mFS platform-specified bank.
`
`[00128]
`
`In one embodiment, the monetary transaction system 210 is implemented to
`
`make a purchase from a mobile wallet. The communications module 215 of the monetary
`
`transaction system 210 receives a communication from a subscriber over a communication
`
`channels 111 (Step 910). The subscriber communication indicates that an unbanked
`
`subscriber 205 desires to purchase an itemfora specified amount of funds using a specified
`
`payment method from the unbanked subscriber’s mobile wallet.
`
`[00129]
`
`The monetary transaction system 210 then returns a secure, perishable purchase
`
`code to the unbanked subscriber overat least one of the channels connected to the monetary
`
`transaction system (step 920) and receives a subsequent agent branch communication over
`
`a channel indicating that the purchase code has been presented to an agent (branch) (step
`
`930). The monetarytransaction system 210 validates the status of the specified payment
`
`method (step 940), determines if the specified payment method can accommodate a
`
`purchase for the specified amount (step 950), performs a limit check and/or a velocity
`
`check on the selected payment method (960), debits the specified payment method by the
`
`specified amount of funds (970), returns a notification to the agent branch authorizing the
`
`purchase (980) and sends a receipt to the unbanked subscriber over a communication
`
`channel. The monetary transaction system 210 may thus be used to make a retail purchase
`
`using a mobile wallet.
`
`- Page 42 -
`
`Docket No. 18756.8.1.1.1.1.1.1
`
`APPL-1002
`APPLEINC./ Page 1516 of 1744
`
`za
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`e .
`rm 228
`Azc&e
`moan
`Zave
`Z 228
`S785BES
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`SUITE1000
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`O*
`Ss
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`APPL-1002
`APPLE INC. / Page 1516 of 1744
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`

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`[00130]
`
`Figure 10A illustrates a subscriber
`
`requesting a micro-loan. Financial
`
`institutions and potentially other mFS program participants may sign up to become money
`
`or eMoney lenders. Mobile wallet subscribers may be able to use their mobile wallets to
`
`request micro-loans from these approved lenders. The micro-loans are tracked by the
`
`monetary transaction system 210, and repayment reminders, interest and commissionsare
`
`managed by the monetary transaction system. The subscriber requests a micro-loan from a
`
`lender, indicating the amount in the request, as well as other information such as the
`
`repaymentdate and the commission(i.e. interest rate). Potential lenders then have a chance
`
`to counter the loan request with their own terms. Oncethe lender approves the subscriber’s
`
`request, the lender’s eMoney account balance is debited for the specified amount (1001)
`
`and the subscriber’s eMoney account is credited with the requested amount (1002). The
`
`monetary transaction system 210 processes the micro-loan requests, update the lender and
`
`subscriber's eMoney balances, sets up repayment schedules and reminders,
`
`logs the
`
`transaction, and sends transaction detail to a mFS bank. It should also be noted that while
`
`the term “micro-loan” is used herein, the loan may be for substantially any amount of
`
`money.
`
`[00131]
`
`Following on the embodiment described in Figure 10A, Figure 10B illustrates
`
`a subscriber repaying a micro-loan. The subscriber may repay the loan using functionality
`
`provided in the mobile wallet application or in a similar webinterface. Repayments can be
`
`made in installments or in full depending on the rules of the micro-loan. The subscriber
`
`enters the amount they wish to repay and the loan ID. The subscriber’s eMoney accountis
`
`then debited for the specified amount (1005), while the lender’s eMoney accountis credited
`
`the specified amount (1006). Both the lender and the subscriber may receive confirmation
`
`- Page 43 -
`
`Docket No. 18756.8.1.1.1.1.1.1
`
`APPL-1002
`APPLEINC./ Page 1517 of 1744
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`
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`WORKMANNYDEGGER
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`APROFESSIONALCORPORATION
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`ATTORNEYSATLAW60EASTSOUTHTEMPLE
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`SUITE1000
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`SALTLAKECITY,UTAH84111
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`APPL-1002
`APPLE INC. / Page 1517 of 1744
`
`

`

`that the loan has been repaid via SMS or some other communication channel. The mFS
`
`platform thus processes the subscriber’s micro-loan repayment request, updates lender and
`
`subscriber's eMoney balances, updates repayment schedule and reminders,
`
`logs the
`
`transaction, and sends transaction details to a specified mFS platform bank.
`
`[00132]
`
`Figure 11A illustrates a subscriber receiving a direct deposit from an employer
`
`or other entity. Subscribers to the mFS platform have the ability to receive any direct
`
`deposit into their eMoney account. Subscribers may be asked by their employers to provide
`
`account information in order to set up direct deposit. The employer then submits a direct
`
`deposit request using their existing processes (i.e the processes they use for a normal
`
`checking or savings bank account). Once the direct deposit is set up and a paydayarrives,
`
`the employer’s bank account is debited for the proper amount (1101) and the employer’s
`
`mFSaccountis credited with that amount (1102). Then, once the funds have been received
`
`at the mFS platform bank, the mFS platform bank sweeps the employers direct deposit
`
`balance (1103) into a mFS platform master account (1104) and notifies the mFS platform
`
`of each account to be incremented (including the subscriber’s mobile wallet (eMoney)
`
`account). The subscriber’s eMoney accountis then credited with the paycheck amount
`
`(1105) upon which the eMoney may be used to pay for goods, pay bills, top up airtime,
`
`transfer to other entities or for cash withdrawal.
`
`[00133]
`
`The subscriber does not need to have a bank account to participate in direct
`
`deposit. The employer’s bank can communicate with the mFS platform’s bank to perform
`
`the necessary steps in directly depositing the subscriber’s paycheck in his or her eMoney
`
`mobile wallet account. The bank facilitates monetary deposit into the employer's bank
`
`account for direct deposit and performs an automated sweep of recent deposits from the
`
`- Page 44 -
`
`Docket No. 18756.8.1.1.1.1.1.1
`
`APPL-1002
`APPLEINC./ Page 1518 of 1744
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`WORKMANNYDEGGERAPROFESSIONAL
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`CORPORATION
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`ATTORNEYSATLAW60EASTSOUTHTEMPLE
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`SALTLAKECITY,UTAH84111
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`APPL-1002
`APPLE INC. / Page 1518 of 1744
`
`

`

`employer's bank account into the mFS platform's master bank account. The bank also sends
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`transaction details to the monetary transaction system 210 including transaction logs. The
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`monetary transaction system receives a list of eMoney accounts that are to be credited
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`directly from the employer (or bank), processes the list and requests to establish a direct
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`deposit, updates subscriber's eMoney balance, log the transaction, and sends transaction
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`details to the mFS platform bank.
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`[00134]
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`Ina similar manner, a subscriber may receive a government welfare payment
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`directly on their mobile device. Figure 11B illustrates a subscriber receiving a government
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`social welfare payment directly into their eMoney account.
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`In some embodiments,
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`subscribers mayneed to opt-in and register with the government program for which they
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`choose to receive the paymentvia their mobile wallet. Once the funds have been received,
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`the subscriber can use that eMoneyfor any goods or services, as described above. Once
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`the direct deposit has been established and a payout has been initiated, the government’s
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`welfare account deposits the money (1110) into the government's bank account for welfare
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`payments (1111) and performs an automated sweep of recent deposits from the
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`government's bank account (1112) into the mFS program's master bank account (1113).
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`The bank then sends transaction details to the monetary transaction system 210 regarding
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`the deposit. The subscriber receives a notification that the welfare payment has been
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`credited to their eMoney account (1114). The mFS platform receives an indication of
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`eMoney accounts that are to be credited from the government, processes the welfare
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`payments, updates the subscriber's eMoney balance,
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`logs the transactions, and sends
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`transaction details to the mFS platform bank.
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`- Page 45 -
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`Docket No. 18756.8.1.1.1.1.1.1
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`[00135]
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`Figure 12A illustrates an agent administrator distributing eMoney to various
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`recipients. An agent administrator, as explained above, is a person who acts as an agent
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`company's representative. The agent administrator deposits, withdraws, and distributes
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`funds into and out of the agent company's bank account. When an agent administrator
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`deposits cash into an agent company's bank account, it is credited as eMoneyto the agent
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`company's account. In order to provide the agent branches with eMoney,
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`the agent
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`administrator first moves the eMoney from the agent company's account (1201) to the
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`branch accounts (1202). This is performed using the agent administrator's mobile wallet
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`application or portal. In an agent administrator money transfer, the monetary transaction
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`system 210 processes the administrator’s eMoney transfer request, updates the agent
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`company and agent branch eMoneybalances, logs the transaction, and sends transaction
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`details to the mFS platform bank.
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`[00136]
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`Figure 12B illustrates an agent company deposit. The agent company has an
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`eMoney account
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`in the monetary transaction system 210 that may also include a
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`corresponding bank account (that may be created automatically upon creation of the agent
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`company’s eMoney account). After the agent company's bank account has beenset up, the
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`agent administrator can make deposits into that account. As Figure 12B shows, once cash
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`(1205) has been deposited into the bank account (1206),it is transferred to a mFSplatform
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`master account (1208) that includes all or a part of the mFS platform’s funds. The agent
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`company’s bank account 1s decreased by the deposit amount (1207), while the agent
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`company’s eMoney accountbalance is correspondingly increased (1210). At this time, the
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`agent companyaccountis credited with eMoney. The agent company’s bank facilitates a
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`physical cash deposit into the agent company's bank account and performs an automated
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`sweep (1209) of recent deposits from the agent company's bank account into the mFS
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`platform’s master bank account. The agent company’s bank then sends transaction details
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`to the monetary transaction system 210. The agent administrator physically delivers the
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`cash (or form of money such as a check or money order) to a bank branch for deposit. The
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`monetary transfer system receives transaction details fromthe agent company’s bank about
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`recent transactions (including deposits, as shown in Figure 12B.
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`[00137]
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`Figure 13 illustrates an agent company withdrawal. To make a cash withdrawal
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`for an agent company, the agent administrator requests a withdrawal using the agent
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`administrator mobile wallet application. The monetary transaction system 210 then notifies
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`the bankthat a certain amount of eMoneyis to be transferred from the master mFS account
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`(1302) to the agent company bank account (1303). When the money is in the agent
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`company bank account, the agent administrator can withdraw the cash by traditional
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`withdrawal means. The mFS master bank receives transaction details from the monetary
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`transaction system 210 about recent transactions (recent withdrawals in this case). The mFS
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`master bank performs an automated sweep (1304) of the mFS platform’s master bank
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`accountto reflect the recent withdrawal request from agent the agent company (1301). The
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`agent company’s eMoney accountis reduced by the amount of the withdrawal. The agent
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`companyalso sends transaction details to the monetary transaction system 210. The agent
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`administrator can request withdrawal via the agent administrator mobile wallet application
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`and physically withdrawal cash (1305) from the agent company’s bank branch (1306). The
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`mFS platform processes the agent company’s withdrawal request, updates agent company
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`and agent branch eMoney balances, logs the transaction, and sendstransaction details to
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`an mFSplatform-specified bank.
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`[00138]
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`Attention will now be turned to embodiments in which subscribers have bank
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`accounts associated with their mobile wallets. The monetary transaction system 210
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`provides similar functionality to consumers that have bank or credit union accounts.
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`Although many different transactions are presented herein, many more and varied types of
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`transactions may be processed by the monetary transaction system. In the following
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`figures, “$C” refers to cash balance, “SDC”refers to a debit card (prepaid) balance and
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`“SPIN” refers to a recharge PIN value.
`
`[00139]
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`Figure 14 describes a subscriber deposit at an agent branch. The subscriber has
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`a registered and activated (prepaid) debit card at an agent branch location. The prepaid
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`debit card is associated with the mobile wallet application in the subscriber's mobile device.
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`As such, the debit card is linked to the subscriber’s account in the monetary transaction
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`system 210. To deposit cash onto the mobile wallet, the subscriber informs the agent that
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`they want to deposit a specified amount of cash (1401). The agent takes the cash and
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`notifies the monetary transaction system 210 of the deposit using their point of sale (POS)
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`system or the agent mobile wallet application (1402), and the monetarytransaction system
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`210 credits the subscriber's mobile wallet account (1403). The funds collected at the cash
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`register typically do not reach a bank account until the reconciliation and settlement of
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`funds occurs between the agent and the mFS owner's bank.
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`[00140]
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`Thesubscriber’s bank then receives a settlement report from the card processor
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`and receives funds from the agent's bank. The agent or agent manager physically deposits
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`the cash into the subscriber's mobile wallet account via their POS system or agent
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`manager/agent mobile wallet application. The monetarytransaction system processes the
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`deposit request, increments the subscriber's mobile wallet balance within the card processor
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`ATTORNEYSATLAW60EASTSOUTHTEMPLE
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`SALTLAKECITY,UTAH84111
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`APPL-1002
`APPLE INC. / Page 1522 of 1744
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`and logs the transaction. An external card processor increments the subscriber's mobile
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`wallet balance and sends reports to the ba