Claims Appendix
`U.S. Patent 9,892,396
`(Claim Numbering in Petition Added)
`
`Claim 1
`
`[1.0] A monetary transaction system for conducting monetary transactions between
`
`subscribers and other entities, the system comprising one or more of:
`
`[1.1.1] an integration tier operable to manage mobile wallet sessions, [1.1.2] the
`
`integration tier also including a communication application programming interface
`
`(API) and other communication mechanisms to accept messages from channels;
`
`[1.2] 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;
`
`[1.3] business process services operable to implement business workflows,
`
`including at least one of executing financial transactions, auditing financial
`
`transactions, invoking third-party services, handling errors, and logging platform
`
`objects;
`
`[1.4] database services operable to store financial transaction details, store
`
`customer profiles, and manage money containers;
`
`[1.5] a payment handler service operable to use APIs of different payment
`
`processors including one or more APIs of banks, credit and debit cards processors,
`
`bill payment processors;
`
`1
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`APPL-1010
`APPLE INC. / Page 1 of 10
`
`
`U.S. Patent 9,892,396
`(Claim Numbering in Petition Added)
`
`Claim 1
`
`[1.0] A monetary transaction system for conducting monetary transactions between
`
`subscribers and other entities, the system comprising one or more of:
`
`[1.1.1] an integration tier operable to manage mobile wallet sessions, [1.1.2] the
`
`integration tier also including a communication application programming interface
`
`(API) and other communication mechanisms to accept messages from channels;
`
`[1.2] 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;
`
`[1.3] business process services operable to implement business workflows,
`
`including at least one of executing financial transactions, auditing financial
`
`transactions, invoking third-party services, handling errors, and logging platform
`
`objects;
`
`[1.4] database services operable to store financial transaction details, store
`
`customer profiles, and manage money containers;
`
`[1.5] a payment handler service operable to use APIs of different payment
`
`processors including one or more APIs of banks, credit and debit cards processors,
`
`bill payment processors;
`
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`APPL-1010
`APPLE INC. / Page 1 of 10
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`[1.6] a rules engine operable to gather financial transaction statistics and use the
`
`gathered financial transaction statistics to enforce constraints including transaction
`
`constraints;
`
`[1.7] a security service operable to perform subscriber authentication;
`
`[1.8] 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;
`
`[1.9.1] wherein the monetary transaction system is implemented to deposit funds at
`
`an agent branch, [1.9.2] 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:
`
`[1.10.1] receiving a communication message from the mobile device over one of a
`
`plurality of channels connected to the monetary transaction system, [1.10.2] the
`
`communication message being received by an API associated with the integration
`
`tier of the monetary transaction system, [1.10.3] the communication message
`
`indicating that the subscriber desires to deposit a specified amount of funds into the
`
`subscriber's account;
`
`[1.10.4] 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;
`
`
`
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`APPL-1010
`APPLE INC. / Page 2 of 10
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`[1.10.5] committing a pending transaction through the business process services,
`
`[1.10.6] wherein the integration tier communicates a transaction commitment
`
`request to the business process services;
`
`[1.10.7] receiving a confirmation from the business process services that the
`
`pending transaction has been committed;
`
`[1.10.8] sending, through the notification services, a receipt notification to the
`
`mobile device; and
`
`[1.10.9] upon receiving a confirmation of commitment from the business process
`
`services, committing the pending transaction to the database services; and
`
`[1.11.1] wherein committing the pending transaction further comprises the
`
`following steps as orchestrated by the business process services:
`
`[1.11.2] ensuring, via the database services, that the subscriber has an active
`
`account;
`
`[1.11.3] validating, through communication with the security services, one or more
`
`of a PIN number and an access control list;
`
`[1.11.4] applying with the rules engine, velocity rules;
`
`[1.11.5] creating with the database services a new pending transaction history
`
`record;
`
`[1.11.6] holding funds from the agent account balance using the payment handler,
`
`[1.11.7] loading the funds to the subscriber account using the payment handler; and
`
`
`
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`APPL-1010
`APPLE INC. / Page 3 of 10
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`[1.11.8] updating, using the database services, a pending transaction history record
`
`to reflect the funds.
`
`Claim 2
`
`[2.0] A monetary transaction system for conducting monetary transactions between
`
`subscribers and other entities, the system comprising one or more of:
`
`[2.1.1] an integration tier operable to manage mobile wallet sessions and maintain
`
`the integrity of financial transactions, [2.1.2] the integration tier also including a
`
`communication application programming interface (API) and other communication
`
`mechanisms to accept messages from channels;
`
`[2.2] 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;
`
`[2.3] business process services operable to implement business workflows,
`
`including at least one of executing financial transactions, auditing financial
`
`transactions, invoking third-party services, handling errors, and logging platform
`
`objects;
`
`[2.4] a security service operable to perform subscriber authentication;
`
`[2.5] database services operable to store financial transaction details, store
`
`customer profiles, and manage money containers;
`
`[2.6] a mobile device configured to run a monetary transaction system application;
`
`
`
`4
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`APPL-1010
`APPLE INC. / Page 4 of 10
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`
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`[2.7] a payment handler service operable to use APIs of different payment
`
`processors including one or more APIs of banks, credit and debit cards processors,
`
`bill payment processors;
`
`[2.8] a rules engine operable to gather financial transaction statistics and use the
`
`gathered financial transaction statistics to enforce business constraints including
`
`transaction constraints;
`
`[2.9] a security service operable to perform subscriber authentication;
`
`[2.10] 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;
`
`[2.11.1] a monetary transaction system subscriber that has a profile with the
`
`monetary transaction system the subscriber profile stored in the database of the
`
`monetary transaction system, [2.11.2] wherein the subscriber indicates, via the
`
`monetary transaction system application, one or more specified transactions that
`
`are to be performed using the monetary transaction system;
`
`[2.12.1] wherein the monetary transaction system is implemented to withdraw
`
`funds at an agent branch using the mobile device configured to run a monetary
`
`transaction system application, including performing the following steps:
`
`[2.12.2] receiving a communication message from the mobile device over one of a
`
`plurality of channels connected to the monetary transaction system, [2.12.3] the
`
`
`
`5
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`APPL-1010
`APPLE INC. / Page 5 of 10
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`
`
`communication message being received by an API associated with the integration
`
`tier of the monetary transaction system, [2.12.4] the communication message
`
`indicating that the subscriber desires to withdraw a specified amount of funds from
`
`an account associated with the subscriber, [2.12.5] the communication comprising
`
`a secure, perishable code;
`
`[2.12.6] determining that the transaction is valid and in progress, [2.12.7] wherein
`
`determining that the transaction is valid comprises validating the secure, perishable
`
`code and communicating from the integration tier to the database services to query
`
`attributes of the subscriber's account;
`
`[2.12.8] committing a pending transaction through the business process services,
`
`[2.12.9] wherein the integration tier communicates a transaction commitment
`
`request to the business process services;
`
`[2.12.10] receiving a confirmation from the business process services that a
`
`pending transaction has been committed;
`
`[2.12.11] sending, through the notification services, a receipt notification to the
`
`mobile device; and
`
`[2.12.12] upon receiving a confirmation of commitment from the business process
`
`services, committing the pending transaction to the database services; and
`
`[2.13.1] wherein committing the pending transaction further comprises the
`
`following steps as orchestrated by the business process services:
`
`
`
`6
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`APPL-1010
`APPLE INC. / Page 6 of 10
`
`
`
`[2.13.2] ensuring, via the database services, that the subscriber has an active
`
`account;
`
`[2.13.3] validating, through communication with the security services, one or more
`
`of a PIN number and an access control list;
`
`[2.13.4] applying with the rules engine, velocity rules;
`
`[2.13.5] creating with the database services a new pending transaction history
`
`record;
`
`[2.13.6] holding funds from the agent account balance using the payment handler;
`
`[2.13.7] loading the funds to the subscriber account using the payment handler; and
`
`[2.13.8] updating using the database services, a pending transaction history record
`
`to reflect the funds.
`
`Claim 3
`
`[3.0] A monetary transaction system for conducting monetary transactions between
`
`subscribers and other entities, the system comprising one or more of:
`
`[3.1.1] an integration tier operable to manage mobile wallet sessions and maintain
`
`the integrity of financial transactions, [3.1.2] the integration tier also including a
`
`communication application programming interface (API) and other communication
`
`mechanisms to accept messages from channels;
`
`
`
`7
`
`APPL-1010
`APPLE INC. / Page 7 of 10
`
`
`
`[3.2] 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;
`
`[3.3] business process services operable to implement business workflows,
`
`including at least one of executing financial transactions, auditing financial
`
`transactions, invoking third-party services, handling errors, and logging platform
`
`objects;
`
`[3.4] database services operable to store financial transaction details, store
`
`customer profiles, and manage money containers;
`
`[3.5.1] a monetary transaction system subscriber that has a profile with the
`
`monetary transaction system the subscriber profile stored in the database of the
`
`monetary transaction system, [3.5.2] wherein the subscriber indicates, via the
`
`monetary transaction system application, one or more specified transactions that
`
`are to be performed using the monetary transaction system;
`
`[3.6] a payment handler service operable to use APIs of different payment
`
`processors including one or more APIs of banks, credit and debit cards processors,
`
`bill payment processors;
`
`[3.7] a rules engine operable to gather financial transaction statistics and use the
`
`gathered financial transaction statistics to enforce business constraints including
`
`transaction constraints;
`
`
`
`8
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`APPL-1010
`APPLE INC. / Page 8 of 10
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`
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`[3.8] a security service operable to perform subscriber authentication;
`
`[3.9] 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;
`
`[3.10.1] wherein the monetary transaction system is implemented to transfer funds
`
`using the mobile device configured to run a monetary transaction system
`
`application, including performing the following steps:
`
`[3.10.2] receiving a communication message from the mobile device over one of a
`
`plurality of channels connected to the monetary transaction system, [3.10.3] the
`
`communication message being received by an API associated with the integration
`
`tier of the monetary transaction system, [3.10.4] the communication message
`
`indicating that the subscriber desires to transfer a specified amount of funds from
`
`the subscriber's account to a recipient;
`
`[3.10.5] 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;
`
`[3.10.6] committing a pending transaction through the business process services,
`
`[3.10.7] wherein the integration tier communicates a transaction commitment
`
`request to the business process services;
`
`
`
`9
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`APPL-1010
`APPLE INC. / Page 9 of 10
`
`
`
`[3.10.8] receiving a confirmation from the business process services that a pending
`
`transaction has been committed;
`
`[3.10.9] sending, through the notification services, a receipt notification to the
`
`mobile device; and
`
`[3.10.10] upon receiving a confirmation of commitment from the business process
`
`services, committing the pending transaction to the database services; and
`
`[3.11.1] wherein committing the pending transaction further comprises the
`
`following steps as orchestrated by the business process services:
`
`[3.11.2] ensuring, via the database services, that the subscriber has an active
`
`account;
`
`[3.11.3] validating, through communication with the security services, one or more
`
`of a PIN number and an access control list;
`
`[3.11.4] applying with the rules engine, velocity rules;
`
`[3.11.5] creating with the database services a new pending transaction history
`
`record;
`
`[3.11.6] holding funds from the agent account balance using the payment handler;
`
`[3.11.7] loading the funds to the subscriber account using the payment handler; and
`
`[3.11.8] updating, using the database services, a pending transaction history record
`
`to reflect the funds.
`
`
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`APPL-1010
`APPLE INC. / Page 10 of 10
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