MAI MUUTTUNUTUL LUI MUONIO
`
`US009892386B2
`
`( 12 ) United States Patent
`Liberty
`
`( 10 ) Patent No . :
`( 45 ) Date of Patent :
`
`US 9 , 892 , 386 B2
`Feb . 13 , 2018
`
`( 54 ) MONETARY TRANSACTION SYSTEM
`( 71 ) Applicant : Mozido , Inc . , Austin , TX ( US )
`( 72 ) Inventor : Michael A . Liberty , Orlando , FL ( US )
`( 73 ) Assignee : MOZIDO , INC . , Austin , TX ( US )
`( * ) Notice :
`Subject to any disclaimer , the term of this
`patent is extended or adjusted under 35
`U . S . C . 154 ( b ) by 0 days .
`( 21 ) Appl . No . : 15 / 201 , 152
`( 22 ) Filed :
`Jul 1 , 2016
`Prior Publication Data
`( 65 )
`US 2016 / 0314443 A1 Oct . 27 , 2016
`Related U . S . Application Data
`Continuation of application No . 14 / 213 , 543 , filed on
`Mar . 14 , 2014 , now abandoned , which is
`a
`( Continued )
`
`( 63 )
`
`SO ( 51 ) Int . Ci .
`
`G06Q 40 / 00
`( 2012 . 01 )
`( 2012 . 01 )
`G06Q 20 / 00
`( Continued )
`( 52 ) U . S . CI .
`CPC . . . . . . . G06Q 20 / 10 ( 2013 . 01 ) ; G06Q 20 / 0855
`( 2013 . 01 ) ; G06Q 20 / 322 ( 2013 . 01 ) ;
`( Continued )
`( 58 ) Field of Classification Search
`. . . . . . . . GO6Q 20 / 0855
`???
`USPC . . . . . . . . . . . . .
`. . . . . . . . . . . . . . . . . 705 / 40 , 78
`See application file for complete search history .
`References Cited
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`( Continued )
`
`( 56 )
`
`CA
`CN
`
`FOREIGN PATENT DOCUMENTS
`2666616
`4 / 2008
`101606400
`12 / 2009
`( Continued )
`
`OTHER PUBLICATIONS
`Chen , Jiajun Jim et al , Short - Range Wireless Technologies with
`Mobile Payments Systems . Proceedings of the 6th International
`Conference on Electronic Commerce [ Online ] 2004 , pp . 649 - 656 .
`( Continued )
`
`Primary Examiner — Edward Chang
`( 74 ) Attorney , Agent , or Firm — Workman Nydegger
`
`( 57 )
`ABSTRACT
`Embodiments are directed to monetary transaction system
`for conducting monetary transactions between transaction
`system subscribers and other entities . In one scenario , the
`monetary transaction system includes a mobile device that
`runs a monetary transaction system application . The mon
`etary transaction system also includes a subscriber that has
`a profile with the system . The subscriber indicates a trans
`action that is to be performed with the monetary transaction
`system . The system further includes a monetary transaction
`system processor that performs the transactions specified by
`the subscriber including communicating with a monetary
`transaction database to determine whether the transaction is
`permissible based on data indicated in the subscriber ' s
`profile . The monetary transaction system also includes at
`least one entity that is to be involved in the specified
`transaction , where the entity has a profile with the monetary
`transaction system . This entity may be a person , a retail
`store , an agent or other entity .
`
`3 Claims , 46 Drawing Sheets
`
`206
`Mobile
`Device
`Application
`207
`
`( Unbanked )
`Subscriber
`205
`
`7 208
`Indicated
`Transaction
`
`7210
`Monetary Transaction System
`215
`211
`( Wireless )
`Subscriber
`Communication
`Profile
`Module
`
`Rules
`Engine
`
`220
`
`216
`Transaction
`Processor
`
`Memory
`1217
`
`222
`Money / eMoney
`
`1N _ Entity 222
`
`Entity 223 o
`
`APPL-1001
`APPLE INC. / Page 1 of 68
`
`

`

`Related U . S . Application Data
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`Aug . 12 , 2013 , now abandoned , which is a continu
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`( 60 ) Provisional application No . 61 / 522 , 099 , filed on Aug .
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`filed on Jun . 3 , 2011 .
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`????????????
`
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`
`US 9 , 892 , 386 B2
`Page 4
`
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`2013 / 0013498 A1 1 / 2013 Fisher
`2013 / 0013499 Al
`1 / 2013 Kalgi
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`1 / 2013 Rackley
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`1 / 2013 Fisher
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`2013 / 0018740 A1
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`2013 / 0018793 A1
`1 / 2013 Wong
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`1 / 2013 Fisher
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`
`APPL-1001
`APPLE INC. / Page 4 of 68
`
`

`

`US 9 , 892 , 386 B2
`Page 5
`
`( 56 )
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`
`APPL-1001
`APPLE INC. / Page 5 of 68
`
`

`

`U . S . Patent
`
`Feb . 13 , 2018
`
`Sheet 1 of 46
`
`US 9 , 892 , 386 B2
`
`
`
`Payment Handler
`
`105
`
`Processor
`
`121
`
`Matching
`Name
`
`
`
`
`
`Service Connectors 103
`
`Clearing
`( Batch ) House
`Clearing
`Svc ) House
`Engine
`
`110
`
`( Web
`
`
`
`Mobile Wallets
`
`
`
`
`
`) / Debt V Credit
`
`
`GW ( Payment
`
`
`
`Airtime Topup
`
`& ( Direct Bill Payment
`
`
`Fiserv )
`
`
`
`
`
`
`
`) System | Billing
`
`MNO / MVNO
`
`Money Pak
`
`
`GreenDot
`
`
`
`Bank
`
`
`) ( UCP
`& ( CDS Ext . Processor
`
`
`
`
`
`
`
`
` & WU ) ( Remittance MGI
`
`Val )
`
`) Bancorp / Meta
`
`
`
`
`
`Rules Engine 109
`
`Figure 1
`
`Container
`Money
`Objects
`Profile
`
`Tx History
`
`Mgmt
`Company
`Mgmt
`Person
`
`
`
`Authorization Services
`
`107
`
`Database 108
`
`106
`
`
`
`Security Services
`
`
`
`Business Process Services 104
`
`
`
`
`
`
`
`
`
`
`
`111 | Notifications 112 | 3rd Party Systems
`
`USSD
`WAP
`
`STK
`
`Channels
`
`Notification
`
`Services
`
`102
`
`
`
`Integration Tier 101
`
`Voice
`SMTP
`SMPP
`
`J2ME
`Blackberry
`Android
`iPhone
`
`USS
`
`MOM
`IVR
`( POS
`
`Web
`HSS
`
`APPL-1001
`APPLE INC. / Page 6 of 68
`
`

`

`U . S . Patent
`
`Feb . 13 , 2018
`
`Sheet 2 of 46
`
`US 9 , 892 , 386 B2
`
`- Entity 222
`
`
`
`Entity 223
`
`210
`
`215
`
`
`
`
`
`Monetary Transaction System
`
`211
`
`222
`
`1217
`
`Money / eMoney
`
`FIG . 2
`
`( Wireless ) Communication Module
`Subscriber Profile
`
`- 216
`
`Transaction Processor
`
`Memory
`
`1220
`
`Rules Engine
`
`206
`
`207
`
`Application
`
`Mobile Device
`
`208
`
`Indicated Transaction
`
`( Unbanked ) Subscriber
`
`205
`
`APPL-1001
`APPLE INC. / Page 7 of 68
`
`

`

`U . S . Patent
`
`Feb . 13 , 2018
`
`Sheet 3 of 46
`
`US 9 , 892 , 386 B2
`
`- 302
`
`mFS Cash
`Register
`Agent Mgr .
`Or Agent
`
`SOU
`
`8
`
`303
`Subscriber
`eMoney Balance
`80 ISE $
`
`Branch
`Branch
`EMoney Balance
`$ E
`0
`Subscriber Deposit
`310
`
`301
`Subscriber
`Cash
`
`Agent
`Branch
`
`(
`
`JUUUUUUU
`
`??????
`
`370
`
`FIG . 3
`
`APPL-1001
`APPLE INC. / Page 8 of 68
`
`

`

`U . S . Patent
`
`Feb . 13 , 2018
`
`Sheet 4 of 46
`
`US 9 , 892 , 386 B2
`
`- 402
`
`MFS Cash
`Register
`Agent Mgr .
`Or Agent
`
`403
`Subscriber
`Cash
`$ C
`
`148
`
`7401
`Subscriber
`eMoney Balance
`8010 8 Branch Branch
`
`EMoney Balance
`$ E
`o
`Subscriber Withdrawal
`410
`
`Agent
`Branch
`
`JUUUUUUUUU
`
`420
`
`!
`
`490
`FIG . 4
`
`APPL-1001
`APPLE INC. / Page 9 of 68
`
`

`

`U . S . Patent
`
`Feb . 13 , 2018
`
`Sheet 5 of 46
`
`US 9 , 892 , 386 B2
`
`508
`
`Non - mFS Subscriber B Cash
`
`VSC
`
`
`
`Cash Register
`mFS
`Mgr . Or Agent Agent
`
`Branch EMoney Balance
`
`Branch 4 $ E
`
`O
`
`507
`
`$ E
`
`- 502
`
`Subscriber B
`
`eMoney Balance
`
`
`Subscriber eMoney Transfer
`Subscriber - To - Non
`
`FIG . 5B
`
`
`
`Subscriber - To - Subscriber eMoney Transfer
`
`FIG . 5A
`
`Agent Branch
`
`- -
`
`[ Fra
`re
`
`
`
`System Generated SMS
`
`- 501
`
`Subscriber A
`
`eMoney Balance
`
`Code To Branch Agent -
`
`
`
`Sub B Gives Auth .
`
`- 506
`
`mFS Subscriber B Non
`
`
`
`
`
`System Generated SMS W / Pick - up Instructions
`
`80 . se
`
`- 505
`
`
`
`Subscriber A eMoney Balance
`
`APPL-1001
`APPLE INC. / Page 10 of 68
`
`

`

`U . S . Patent
`
`Feb . 13 , 2018
`
`Sheet 6 of 46
`
`US 9 , 892 , 386 B2
`
`
`
`
`
`System Generated SMS
`
`- 603
`
`
`
`Subscriber B eMoney Balance
`
`- 602
`
`Remittance Company
`
`- 601
`
`
`
`Subscriber A eMoney Balance
`
`
`
`Subscriber - To - Subscriber International e Money Transfer
`
`FIG . 6A
`
`$ E
`
`Number To MGI Agent
`
`
`
`Sub B Gives MGRN
`
`Generated SMS W / Pick - up Instructions System
`
`
`
`- 609
`
`60 , $ C
`Non - Subscriber B Cash
`
`- 608
`
`Cash Register
`MGI
`MGI Agent
`
`I DO
`
`. .
`
`.
`F
`
`- 607
`
`
`
`Non - Subscriber B eMoney Balance
`
`
`
`Subscriber International eMoney Transfer
`Subscriber - To - Non
`
`FIG . 6B
`
`DE
`
`ona
`Remittance Company
`
`- 606
`
`$ E
`
`- 605
`
`
`
`Subscriber A eMoney Balance
`
`APPL-1001
`APPLE INC. / Page 11 of 68
`
`

`

`U . S . Patent
`
`Feb . 13 , 2018
`
`Sheet 7 of 46
`
`US 9 , 892 , 386 B2
`
`C104
`Subscriber
`eMoney Balance
`
`CA
`
`- 702
`mWallet Owner
`eMoney Balance
`
`Subscriber
`eMoney Balance
`
`801 Airtime
`
`Subscriber Buys Airtime
`
`ghost
`
`FIG . 7
`
`APPL-1001
`APPLE INC. / Page 12 of 68
`
`

`

`U . S . Patent
`
`Feb . 13 , 2018
`
`Sheet 8 of 46
`
`US 9 , 892 , 386 B2
`
`- 801
`Subscriber
`eMoney Balance
`
`&
`
`SE $
`
`- 802
`Bill Pay Company
`eMoney Balance
`
`? I SE
`
`Subscriber Pays Bill
`
`820
`
`830
`
`850
`
`860
`
`FIG . 8
`
`APPL-1001
`APPLE INC. / Page 13 of 68
`
`

`

`U . S . Patent
`
`Feb . 13 , 2018
`
`Sheety of 46
`
`US 9 . 892 , 386 B2
`
`- 901
`Subscriber
`eMoney Balance
`
`?
`
`- 902
`Agent Branch
`eMoney Balance
`
`???
`
`SE LI
`
`Subscriber Makes Retail Purchase
`
`????? | | | ???????????? |
`
`APPL-1001
`APPLE INC. / Page 14 of 68
`
`

`

`
`
`to arence man and m Sheet 10 of 46 ode
`
`U . S . Patent
`
`Feb . 13 , 2018
`
`US 9 , 892 , 386 B2
`
`- 1001
`Lender
`eMoney Balance
`
`1002
`Subscriber
`eMoney Balance
`
`?
`
`| | | |
`
`Subscriber Requests Micro - Loan
`FIG . 10A
`
`2012 more
`eMoney Balance - Lender
`
`- 1005
`Subscriber
`
`31
`
`- 1006
`
`eMoney Balance
`
`$ ?
`
`Subscriber Repays Micro - Loan
`FIG . 10B
`
`APPL-1001
`APPLE INC. / Page 15 of 68
`
`

`

`atent
`
`Feb . 13 , 2018
`
`Sheet 11 of 46
`
`US 9 , 892 , 386 B2
`
`I SE
`3 .
`
`71105
`
`Subscriber eMoney
`Balance
`
`-
`
`
`Bank Account mFS Program Master
`
`
`
`
`Bank
`
`110
`
`|
`
`C
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`$ C
`
`
`
`
`
`
`
`Subscriber Receives Direct Deposit
`
`FIG . 11A
`
`| -
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`-
`
`|
`
`-
`
`
`
`Automated Sweep
`
`-
`
`Bank Bank )
`
`
`
`
`
`Employer Bank Account ( At Program
`
`- 1102
`
`
`
`Bank Bank )
`
`
`
`Employer Bank | Account ( At Program
`
`- 1101
`
`
`
`Employer Bank Account
`
`APPL-1001
`APPLE INC. / Page 16 of 68
`
`

`

`U . S . Patent
`
`Feb . 13 , 2018
`
`Sheet 12 of 46
`
`US 9 , 892 , 386 B2
`
`E
`
`$
`
`- 1114
`
`Subscriber eMoney
`Balance
`
`|
`
`-
`
`-
`
`-
`
`—
`
`—
`
`—
`
`—
`
`1113
`
`-
`
`
`
`- - - - - - - Automated Sweep
`
`
`
`Government Bank Account