Exhibit C
`PayPal Infringement Chart for
`U.S. Patent No. 9,892,386
`
`IPR2022-00976
`Fintiv Ex. 2004 | Page 1 of 127
`
`
`PayPal Infringement Chart for
`U.S. Patent No. 9,892,386
`
`IPR2022-00976
`Fintiv Ex. 2004 | Page 1 of 127
`
`
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`Upon information and belief, PayPal manages a transaction system and payment application that
`allows users to make monetary transactions between subscribers and other entities.
`
`Claims
`1. A monetary transaction system
`for conducting monetary
`transactions between subscribers
`and other entities, the system
`comprising one or more of:
`
`See https://apps.apple.com/app/id283646709?mt=8 (last accessed on June 23, 2022).
`
`IPR2022-00976
`Fintiv Ex. 2004 | Page 2 of 127
`
`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`See PayPal User Agreement on PayPal Mobile App.
`
`3
`
`IPR2022-00976
`Fintiv Ex. 2004 | Page 3 of 127
`
`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`See https://www.paypal.com/us/webapps/mpp/popup/about-payment-methods (last accessed on
`June 23, 2022).
`
`Upon information and belief, the Venmo system includes a transaction system and payment
`application that allows users to make monetary transactions between parties. For example, the
`Venmo system allows users to send money, receive money, and transact purchases.
`
`4
`
`IPR2022-00976
`Fintiv Ex. 2004 | Page 4 of 127
`
`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`5
`
`IPR2022-00976
`Fintiv Ex. 2004 | Page 5 of 127
`
`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`See e.g., https://www.groovypost.com/howto/what-is-venmo-and-how-do-i-use-it/ (last
`accessed on June 23, 2022).
`
`6
`
`IPR2022-00976
`Fintiv Ex. 2004 | Page 6 of 127
`
`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`See e.g., https://michigan.it.umich.edu/news/2017/03/16/venmo-app-mixes-business-and-
`pleasure/ (last accessed on June 23, 2022).
`
`Upon information and belief, the PayPal System includes an integration tier. The integration tier
`is configured to manage mobile wallet sessions. The integration tier handles communications
`from different mobile phones (e.g. Apple and/or Android) and uses API and other communication
`mechanisms to communicate.
`
`1[a]
`an integration tier operable to
`manage mobile wallet sessions, the
`integration tier also including a
`communication application
`programming interface (API) and
`
`7
`
`IPR2022-00976
`Fintiv Ex. 2004 | Page 7 of 127
`
`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`Claims
`other communication mechanisms
`to accept messages from channels;
`
`https://www.paypal.com/bs/webapps/mpp/shop/apps (last accessed on June 23, 2022).
`
`8
`
`IPR2022-00976
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`
`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`See e.g. ’386 Patent Figure 1.
`
`Upon information and belief, the PayPal System provides REST APIs for new integrations. These
`APIs use HTTP methods, a RESTful endpoint structure, the OAuth 2.0 protocol, and JSON-
`formatted payloads. The REST APIs can be used to incorporate the PayPal System’s functionality
`9
`
`IPR2022-00976
`Fintiv Ex. 2004 | Page 9 of 127
`
`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`into a user’s web and mobile apps.
`
`the PayPal Developer Portal
`Standard PayPal APIs can be accessed via
`http://developer.paypal.com (last accessed on June 23, 2022).
`
`(see
`
`Upon information and belief, the Venmo System includes an integration tier. The integration tier
`is configured to manage mobile wallet sessions. The integration tier, for example, handles
`communications from different mobile phones (e.g. Apple and/or Android) and uses API and
`other communication mechanisms to communicate.
`
`10
`
`IPR2022-00976
`Fintiv Ex. 2004 | Page 10 of 127
`
`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`See e.g., https://help.venmo.com/hc/en-us/articles/209690188-Requirements (last accessed on
`June 23, 2022).
`
`Upon information and belief, the PayPal system includes notification services that are capable of
`sending notifications though various communication channels including short message peer-to-
`peer, short-message services and simple mail transfer protocol emails.
`
`1[b]
`notification services operable to
`send notifications through different
`notification channels including one
`or more of short message peer-to-
`peer, short-message services and
`simple mail transfer protocol
`emails;
`
`11
`
`IPR2022-00976
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`
`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`See Screenshots of PayPal Mobile app (above) showing ability to receive messages.
`
`Upon information and belief, the PayPal System provides REST APIs for new integrations.
`These APIs use HTTP methods, a RESTful endpoint structure, the OAuth 2.0 protocol, and
`JSON-formatted payloads. The REST APIs can be used to incorporate the PayPal System’s
`functionality into a user’s web and mobile apps.
`
`Standard PayPal APIs can be accessed via the PayPal Developer Portal (see
`
`12
`
`IPR2022-00976
`Fintiv Ex. 2004 | Page 12 of 127
`
`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`http://developer.paypal.com (last accessed on June 23, 2022).
`
`Upon information and belief, the Venmo system includes notification services that are capable of
`sending notifications though various communication channels including short message peer-to-
`peer, short-message services and simple mail transfer protocol emails.
`
`13
`
`IPR2022-00976
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`
`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`See e.g., https://help.venmo.com/hc/en-us/articles/224853867-iMessage-Payments-How-It-
`Works (last accessed on June 23, 2022).
`Upon information and belief, the PayPal system includes business process services which include
`at least executing financial transactions as well as other business services.
`
`1[c]
`business process services operable
`to implement business workflows,
`including at least one of executing
`financial transactions, auditing
`financial transactions, invoking
`
`14
`
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`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`Claims
`third-party services, handling
`errors, and logging platform
`objects;
`
`See https://www.paypal.com/us/webapps/mpp/popup/about-payment-methods (last accessed on
`June 23, 2022).
`
`15
`
`IPR2022-00976
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`
`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`See https://www.paypal.com/us/brc/article/understanding-account-limitations (last accessed on
`June 23, 2022).
`
`Upon information and belief, the Venmo system includes business process services which include
`at least executing financial transactions as well as other business services.
`
`16
`
`IPR2022-00976
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`
`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`1[d]
`database services operable to store
`financial transaction details, store
`customer profiles, and manage
`money containers;
`
`See e.g., https://help.venmo.com/hc/en-us/articles/224853867-iMessage-Payments-How-It-
`Works (last accessed on June 23, 2022).
`Upon information and belief, the PayPal System includes database servers that store financial
`transaction details, store customer profiles and manage money containers.
`
`For example, financial transactions are stored and can be accessed via the Paypal website and the
`user Login. The user profile and money containers can also be accessed.
`
`17
`
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`
`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`18
`
`IPR2022-00976
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`
`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`See Screenshots of PayPay website accessing stored information.
`
`Upon information and belief, the PayPal System allows a user to make payments using a variety
`of methods including: PayPal balance, a bank account, PayPal Credit, debit or credit cards, and
`rewards balance.
`
`Upon information and belief, the Venmo System includes a storage system configured to store
`financial transaction details, customer profiles and money containers.
`
`19
`
`IPR2022-00976
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`
`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`Upon information and belief, the Venmo System allows a user to make payments using a
`variety of methods including: Venmo balance, a bank account, Venmo Credit, debit or credit
`cards, and rewards balance.
`
`See e.g., https://michigan.it.umich.edu/news/2017/03/16/venmo-app-mixes-business-and-
`pleasure/ (last accessed on June 23, 2022).
`
`20
`
`IPR2022-00976
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`
`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`1[e]
`a payment handler service operable
`to use APIs of different payment
`processors including one or more
`APIs of banks, credit and debit
`
`See e.g., https://www.businessinsider.com/how-to-find-someone-on-venmo (last accessed on
`June 23, 2022).
`
`Upon information and belief, the PayPal System, includes a payment handler which can interface
`with APIs of payment processors for banks, credit card, debit card, and bill payment processors.
`
`21
`
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`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`Claims
`cards processors, bill payment
`processors;
`
`See Screenshot of PayPal Mobile Application identifying bank account with option to add credit
`and debit cards.
`
`22
`
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`
`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`See https://www.paypal.com/us/webapps/mpp/popup/about-payment-methods (last accessed on
`June 23, 2022).
`
`Upon information and belief, the PayPal System provides REST APIs for new integrations. These
`APIs use HTTP methods, a RESTful endpoint structure, the OAuth 2.0 protocol, and JSON-
`formatted payloads. The REST APIs can be used to incorporate the PayPal System’s functionality
`into a user’s web and mobile apps.
`
`the PayPal Developer Portal
`Standard PayPal APIs can be accessed via
`http://developer.paypal.com (last accessed on June 23, 2022).
`
`(see
`
`23
`
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`
`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`Upon information and belief, the Venmo System, includes a payment handler which can interface
`with APIs of payment processors for banks, credit card, debit card, and bill payment processors
`
`24
`
`IPR2022-00976
`Fintiv Ex. 2004 | Page 24 of 127
`
`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`See e.g., https://help.venmo.com/hc/en-us/articles/209690188-Requirements (last accessed on
`June 23, 2022).
`
`Upon information and belief, the PayPal System, includes a rule engine that track financial
`transactions and enforce constraints including transaction constraints. Upon information and
`belief, the PayPal System also discloses a security service that authenticates a subscriber.
`
`1[f] and 1[g]
`a rules engine operable to gather
`financial transaction statistics and
`use the gathered financial
`transaction statistics to enforce
`constraints including transaction
`constraints;
`
`25
`
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`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`Claims
`a security service operable to
`perform subscriber authentication;
`
`See https://www.paypal.com/us/brc/article/understanding-account-limitations (last accessed on
`June 23, 2022).
`
`Upon information and belief, the Venmo System, includes a rule engine that track financial
`transactions and enforce constraints including transaction constraints. Upon information and
`belief, the Venmo System also discloses a security service that performs subscriber
`authentication.
`
`26
`
`IPR2022-00976
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`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`See e.g., https://help.venmo.com/hc/en-us/articles/360035844973-Security (last accessed on
`June 23, 2022).
`
`Upon information and belief, the PayPal System allows a user to deposit funds as part of a
`transaction into an agent branch, including for example, Chase Bank account that is linked to the
`PayPal account.
`
`1[g]
`at least one entity that is to be
`involved in the specified
`transaction, the at least one entity
`having a profile with the monetary
`transaction system: wherein the at
`least one entity is the agent;
`
`27
`
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`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`Claims
`wherein the monetary transaction
`system is implemented to deposit
`funds at an agent branch, the funds
`being deposited by a subscriber at
`the agent branch using a mobile
`device configured to run a
`monetary transaction system
`application, the monetary
`transaction system performing the
`following steps:
`
`See Screenshot of PayPal Mobile Application allowing users to link bank accounts to the
`PayPal System and showing an active legacy Washington Mutual account.
`
`28
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`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`See https://www.paypal.com/us/webapps/mpp/popup/about-payment-methods (last accessed on
`June 23, 2022).
`
`Upon information and belief, the Venmo System, includes an entity profile saved with the
`monetary transaction system, the entity profile associated with an entity that is to be involved in
`a specified transaction.
`
`29
`
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`
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`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`receiving a communication
`message from the mobile device
`over one of a plurality of channels
`connected to the monetary
`transaction system, the
`
`See e.g., https://www.businessinsider.com/how-to-find-someone-on-venmo (last accessed on
`June 23, 2022).
`
`Upon information and belief, the PayPal System meets the following limitations and is capable
`of facilitating a deposit of funds to and from a PayPal account linked to a bank, for example chase
`Bank. Discovery and review of PayPal internal documents are needed for this limitation.
`
`30
`
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`
`
`Claims
`communication message being
`received by an API associated with
`the integration tier of the monetary
`transaction system, the
`communication message indicating
`that the subscriber desires to
`deposit a specified amount of funds
`into the subscriber's account;
`
`validating the status of the
`subscriber's account, wherein
`validating the status of the
`subscriber's account comprises
`communicating from the
`integration tier to the database
`services to query attributes of the
`subscriber's account;
`
`committing a pending transaction
`through the business process
`services, wherein the integration
`tier communicates a transaction
`commitment request to the business
`process services;
`
`receiving a confirmation from the
`business process services that the
`pending transaction has been
`committed;
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`Upon information and belief, the PayPal System provides REST APIs for new integrations. These
`APIs use HTTP methods, a RESTful endpoint structure, the OAuth 2.0 protocol, and JSON-
`formatted payloads. The REST APIs can be used to incorporate the PayPal System’s functionality
`into a user’s web and mobile apps.
`
`the PayPal Developer Portal
`Standard PayPal APIs can be accessed via
`http://developer.paypal.com (last accessed on June 23, 2022).
`31
`
`(see
`
`IPR2022-00976
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`
`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`Claims
`sending, through the notification
`services, a receipt notification to
`the mobile device; and
`
`upon receiving a confirmation of
`commitment from the business
`process services, committing the
`pending transaction to the database
`services; and
`
`Upon information and belief, the Venmo System allows a user to deposit funds as part of a
`transaction with an entity that can be involved in a specified transaction, including for example,
`accessing a Chase bank account that is linked to the Venmo account.
`
`32
`
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`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`See e.g., https://help.venmo.com/hc/en-us/articles/360012932154-Adding-Money-to-Your-
`Venmo-Balance (last accessed on June 23, 2022).
`
`33
`
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`
`
`Claims
`wherein committing the pending
`transaction further comprises the
`following steps as orchestrated by
`the business process services:
`ensuring, via the database services,
`that the subscriber has an active
`account;
`
`validating, through communication
`with the security services, one or
`more of a PIN number and an
`access control list;
`
`applying with the rules engine,
`velocity rules;
`
`creating with the database services
`a new pending transaction history
`record;
`
`holding funds from the agent
`account balance using the payment
`handler,
`
`loading the funds to the subscriber
`account using the payment handler;
`and
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`Upon information and belief, the PayPal System, checks the status of the selected payment
`method. For example, the PayPal system checks to determine whether the payment method can
`be used.
`
`See https://www.paypal.com/bs/smarthelp/article/how-do-i-send-a-payment-using-my-paypal-
`balance-faq1844 (last accessed on June 23, 2022).
`
`Upon information and belief, the PayPal System also performs a limit check to determine if there
`are sufficient available funds in the balance account to complete a transaction.
`
`Upon information and belief, the PayPal system also performs velocity check, including to
`identify fraud, to address regulatory requirements, or filter for transaction issues.
`Upon information and belief, the PayPal System includes velocity checks. These checks for
`example, monitor the number of transactions the user receive by minute, hour, etc. and the IP
`addresses of the user’s customers. PayPal's Fraud Protection Services in the PayPal System
`include velocity checks along with many other filters to help assist in preventing fraud.
`
`34
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`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`Claims
`updating, using the database
`services, a pending transaction
`history record to reflect the funds.
`
`See e.g. https://developer.paypal.com/api/nvp-soap/payflow/fraud-protection/ (showing velocity
`functionality) (last accessed on June 23, 2022).
`
`Upon information and belief, the PayPal system includes functionality to further determine that
`the mobile wallet application is a valid account and is associated with the correct user.
`
`35
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`
`
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`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`https://developer.paypal.com/api/nvp-soap/payflow/fraud-protection/
`e.g.
`See
`validating functionality) (last accessed on June 23, 2022).
`
`(showing
`
`36
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`
`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`See https://www.paypal.com/us/brc/article/understanding-account-limitations (last accessed on
`June 23, 2022).
`
`Upon information and belief, the PayPal System utilizes a PayPal Security Key, which is an
`additional layer of security at login. In addition to the user’s password, the user can enter a One-
`Time PIN (OTP) that’s unique for each login attempt.
`
`37
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`
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`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`
`Upon information and belief, the PayPal System includes an access-control list (ACL) such as a
`list of permissions associated with system resources. A user can manually grant the PayPal
`System permissions to a third party to access specific information in the user’s account at the
`PayPal system and perform PayPal API operations on the user’s behalf. For example, if the user
`is integrating with a third-party shopping cart, the cart owner needs permission to the user’s
`PayPal account to perform specific operations on behalf of the user.
`
`Upon information and belief, by way of example, the PayPal systems utilizes OAuth 2.0 protocol
`to provide authenticated and/or authorized access to various protected resources. In particular,
`OAuth 2.0 scopes are used to specify or limit the type of access (i.e., ACL) that is associated with
`a granted access token.
`
`See https://oauth.net/2/scope/ (last accessed on June 23, 2022).
`https://developer.paypal.com/api/rest/ (last accessed on June 23, 2022).
`
`38
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`
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`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 1)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”) ,
`and Venmo Application and Backend System (“Venmo System”)
`Upon information and belief, the Venmo System meets the following limitations and is capable
`of facilitating a deposit of funds to and from a Venmo account linked to a bank, for example
`chase Bank. Discovery and review of Venmo internal documents are needed for this limitation.
`
`See e.g., https://help.venmo.com/hc/en-us/articles/360012932154-Adding-Money-to-Your-
`Venmo-Balance (last accessed on June 23, 2022).
`39
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`
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`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`U.S. Patent No. 9,892,386 (Claim 2)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”),
`and Venmo Application and Backend System (“Venmo System”)
`Upon information and belief, PayPal includes a monetary transaction system for conducting
`monetary transactions between subscribers and other entities.
`
`Claims
`2. A monetary transaction system
`for conducting monetary
`transactions between subscribers
`and other entities, the system
`comprising one or more of:
`
`See e.g., https://apps.apple.com/app/id283646709?mt=8 (last accessed on June 23, 2022).
`
`40
`
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`
`
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`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 2)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”),
`and Venmo Application and Backend System (“Venmo System”)
`
`See e.g., PayPal User Agreement on PayPal Mobile App.
`
`41
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`
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`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 2)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”),
`and Venmo Application and Backend System (“Venmo System”)
`
`See https://www.paypal.com/us/webapps/mpp/popup/about-payment-methods (last accessed on
`June 23, 2022).
`
`Upon information and belief, the Venmo system includes a transaction system and payment
`application that allows users to make monetary transactions between parties. For example, the
`Venmo system allows users to send money, receive money, and transact purchases.
`
`42
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`
`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 2)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”),
`and Venmo Application and Backend System (“Venmo System”)
`
`43
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`
`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 2)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”),
`and Venmo Application and Backend System (“Venmo System”)
`
`See e.g., https://www.groovypost.com/howto/what-is-venmo-and-how-do-i-use-it/ (last
`accessed on June 23, 2022).
`
`44
`
`IPR2022-00976
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`
`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 2)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”),
`and Venmo Application and Backend System (“Venmo System”)
`
`See e.g., https://michigan.it.umich.edu/news/2017/03/16/venmo-app-mixes-business-and-
`pleasure/ (last accessed on June 23, 2022).
`
`See Claim 1.
`
`2[a]
`an integration tier operable to
`manage mobile wallet sessions and
`maintain the integrity of financial
`
`Upon information and belief, the PayPal System includes an integration tier. The integration tier
`is configured to manage mobile wallet sessions. The integration tier handles communications
`from different mobile phones (e.g. Apple and/or Android) and uses API and other communication
`mechanisms to communicate.
`
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`
`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`U.S. Patent No. 9,892,386 (Claim 2)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”),
`and Venmo Application and Backend System (“Venmo System”)
`
`Claims
`transactions, the integration tier
`also including a communication
`application programming interface
`(API) and other communication
`mechanisms to accept messages
`from channels;
`
`https://www.paypal.com/bs/webapps/mpp/shop/apps (last accessed on June 23, 2022).
`
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`
`
`PRIVILEGED AND CONFIDENTIAL
`ATTORNEY’S WORK PRODUCT
`
`Claims
`
`U.S. Patent No. 9,892,386 (Claim 2)
`Accused Instrumentalities –PayPal Application and Backend System (“PayPal System”),
`and Venmo Application and Backend System (“Venmo System”)
`
`See e.g. ’386 Patent Figure 1.
`
`Upon information and belief, the PayPal System provides REST APIs for new integrations. These
`APIs use HTTP methods, a RESTful endpoint structure, the OAuth 2.0 protocol, and JSON-
`formatted payloads. The REST APIs can be used to incorporate the PayPal System’s functionality
`47
`
`IPR2022-00976
`Fin
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