`
`
`
`UNITED STATES PATENT AND TRADEMARK OFFICE
`
`———————
`
`BEFORE THE PATENT TRIAL AND APPEAL BOARD
`
`———————
`
`APPLE INC.,
`
`Petitioner,
`
`v.
`
`MOZIDO CORFIRE – KOREA, LTD.,
`
`
`
`
`Patent Owner
`
`———————
`
`IPR2022-01149
`U.S. Patent No. 10,223,692
`
`PETITION FOR INTER PARTES REVIEW
`UNDER 35 U.S.C. § 312 AND 37 C.F.R. § 42.104
`
`

`

`Petition for Inter Partes Review of U.S. Patent No. 10,223,692
`
`TABLE OF CONTENTS
`
`I. MANDATORY NOTICES UNDER 37 C.F.R. § 42.8 ....................................... 1
`
`A. Real Party-in-Interest................................................................................. 1
`
`B. Related Matters .......................................................................................... 1
`
`C. Lead and Back-up Counsel and Service Information ............................... 1
`
`II. INTRODUCTION ................................................................................................ 2
`
`III. GROUNDS FOR STANDING ............................................................................ 2
`
`IV. NOTE REGARDING EMPHASIS ...................................................................... 2
`
`V. BACKGROUND .................................................................................................. 3
`
`A. The ʼ692 Patent .......................................................................................... 3
`
`B. Prosecution History ................................................................................... 6
`
`C. Priority Date .............................................................................................. 7
`
`VI. LEVEL OF ORDINARY SKILL IN THE ART ................................................. 7
`
`VII. CLAIM CONSTRUCTION............................................................................... 7
`
`A.
`
`“from the first portion of the screen” ........................................................ 8
`
`B. Printed Matter ..........................................................................................11
`
`VIII. IDENTIFICATION OF HOW THE CLAIMS ARE UNPATENTABLE ......11
`
`A. Statutory Grounds for Challenge and Relief Requested .........................11
`
`B. Summary of Independent-Claim Grounds ..............................................13
`
`C. Ground 1: Claims 1-4 and 11-13 would have been obvious over
`Hertel in view of Chitti, Spodak, and Tedesco. ......................................14
`
`1. Overview of Hertel ..........................................................................14
`
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`Petition for Inter Partes Review of U.S. Patent No. 10,223,692
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`2. Overview of Chitti ...........................................................................15
`
`3. Overview of Spodak ........................................................................16
`
`4. Overview of Tedesco ......................................................................16
`
`5. Claim 1 ............................................................................................18
`
`[1.0] A method for setting a temporary payment card,
`comprising:.............................................................................. 18
`
`[1.1] displaying a list of mobile payment cards at a first portion
`of a touch screen interface; ..................................................... 20
`
`[1.2] receiving, through the touch screen interface, a user input
`selecting a mobile payment card from the list of mobile
`payment card; .......................................................................... 27
`
`[1.3] detecting the user input sliding the mobile payment card
`from the first portion of the touch screen interface to a
`second portion of the touch screen interface; ......................... 28
`
`[1.4] based upon the user input sliding the mobile payment
`card, setting, as a temporary card, the mobile payment
`card, wherein while the mobile payment card is set as the
`temporary card, payments will be made by the mobile
`payment card; .......................................................................... 35
`
`[1.5] displaying a numerical indicator of a payable time,
`wherein the numerical indicator initially indicates a first
`remaining time amount; .......................................................... 37
`
`[1.6.1] simultaneously: .................................................................... 41
`
`[1.6.2] moving the mobile payment card a first distance from
`the first portion of the screen towards a second portion of
`the touch screen, and ............................................................... 43
`
`[1.6.3] decrementing the numerical indicator a first difference
`to display a remaining payable time, wherein: ....................... 54
`
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`Petition for Inter Partes Review of U.S. Patent No. 10,223,692
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`[1.7.1] the first distance is proportional to an amount of payable
`time that has passed, and ......................................................... 57
`
`[1.7.2] the first difference is proportional to the amount of
`payable time that has passed: and ........................................... 57
`
`[1.8] resetting the setting of the temporary payment card when
`the payable time passes such that the mobile payment card
`is no longer set as the temporary card and payments are
`made through a main card. ...................................................... 57
`
`6. Claim 2 ............................................................................................59
`
`[2.0] The method of claim 1, further comprising: .......................... 59
`
`[2.1] receiving, through the touch screen interface, a user input
`selecting the mobile payment card; ........................................ 59
`
`[2.2] detecting the user input sliding the mobile payment card
`from the second portion of the touch screen interface to an
`original position within the first portion of touch screen
`interface; .................................................................................. 60
`
`[2.3] based upon the mobile payment card being moved to the
`original position by the user, resetting the setting of the
`temporary payment card. ........................................................ 65
`
`7. Claim 3 ............................................................................................65
`
`[3.1] The method of claim 1, further comprising, when a
`payment is made within the payable time, resetting the
`setting of the temporary payment card. .................................. 65
`
`8. Claim 4 ............................................................................................67
`
`[4.0] The method of claim 1, further comprising: .......................... 67
`
`[4.1] determining that the payable time has passed; ....................... 67
`
`[4.2] based upon the determination that the payable time has
`passed, displaying the mobile payment card being moved
`
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`Petition for Inter Partes Review of U.S. Patent No. 10,223,692
`
`to an original position. ............................................................ 68
`
`9. Claim 11 ..........................................................................................69
`
`[11.0] The method of claim 1, further comprising: ........................ 69
`
`[11.1] displaying a list of additional services issued to the
`mobile devices; and ................................................................. 69
`
`[11.2] setting an additional service moved by the user from
`among the additional services listed in the list to be used. ..... 70
`
`10. Claim 12 ..........................................................................................72
`
`[12.0] The method of claim 11, further comprising, when a
`usable time passes, setting the additional service to be
`disabled. .................................................................................. 72
`
`11. Claim 13 ..........................................................................................73
`
`[13.0] A mobile device comprising: ............................................... 73
`
`[13.1] a touch screen configured to display a list of mobile
`payment cards; and a processor configured to: ....................... 73
`
`[13.2] displaying a list of mobile payment cards at a first
`portion of a touch screen interface;......................................... 77
`
`[13.3] receive, through the touch screen interface, a user input
`selecting a mobile payment card from the list of mobile
`payment card; .......................................................................... 77
`
`[13.4] detect the user input sliding the mobile payment card
`from the first portion of the touch screen interface to a
`second portion of the touch screen interface; ......................... 77
`
`[13.5] based upon the user input sliding the mobile payment
`card, set as temporary card, the mobile payment card,
`wherein while the mobile payment card is set as the
`temporary card, payments will be made by the mobile
`payment card; .......................................................................... 77
`
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`Petition for Inter Partes Review of U.S. Patent No. 10,223,692
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`[13.6] displaying a numerical indicator of a payable time,
`wherein the numerical indicator initially indicates a first
`remaining time amount; .......................................................... 78
`
`[13.7.1] simultaneously: .................................................................. 78
`
`[13.7.2] moving the mobile payment card a first distance from
`the first portion of the screen towards a second portion of
`the touch screen, and ............................................................... 78
`
`[13.7.3] decrementing the numerical indicator a first difference
`to display a remaining payable time, wherein: ....................... 78
`
`[13.8.1] the first distance is proportional to an amount of
`payable time that has passed, and ........................................... 79
`
`[13.8.2] the first difference is proportional to the amount of
`payable time that has passed: and ........................................... 79
`
`[13.9] reset the setting of the temporary payment card when the
`payable time passes. ................................................................ 79
`
`D. Ground 2: Claims 5-6 and 10 would have been obvious over Hertel
`in view of Chitti, Spodak, Tedesco, and Bierbaum. ................................79
`
`1. Overview of Bierbaum ....................................................................79
`
`2. Claim 5 ............................................................................................80
`
`[5.1] The method of claim 1, further comprising, when the
`mobile payment card set as the temporary payment card is
`moved again by the user prior to the payable time passing,
`extending the payable time. .................................................... 80
`
`3. Claim 6 ............................................................................................83
`
`[6.1] The method of claim 5, wherein the movement by the user
`in the setting operation is performed in the same method
`as the movement by the user in the extending operation. ....... 83
`
`4. Claim 10 ..........................................................................................83
`
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`Petition for Inter Partes Review of U.S. Patent No. 10,223,692
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`[10.1] The method of claim 1, further comprising, when the
`remaining payable time is shorter than or equal to a
`threshold, outputting an alarm. ............................................... 83
`
`E. Ground 3: Claim 7 would have been obvious over Hertel in view of
`Chitti, Spodak, Tedesco, Bierbaum, and Grigg.......................................84
`
`1. Overview of Grigg ..........................................................................84
`
`2. Claim 7 ............................................................................................85
`
`[7.1] The method of claim 1, further comprising, when the
`mobile device is moved by the user in a specific pattern
`prior to the payable time passing, extending the payable
`time. ......................................................................................... 85
`
`F. Ground 4: Claim 8 would have been obvious over Hertel in view of
`Chitti, Spodak, Tedesco, and Ording. .....................................................87
`
`1. Overview of Ording ........................................................................87
`
`2. Claim 8 ............................................................................................89
`
`[8.1] The method of claim 1, further comprising, when the
`payable time passes, making the mobile payment card
`moved by the user disappear. .................................................. 89
`
`G. Ground 5: Claim 9 would have been obvious over Hertel in view of
`Chitti, Spodak, Tedesco, and Roman. .....................................................91
`
`1. Overview of Roman ........................................................................91
`
`2. Claim 9 ............................................................................................92
`
`[9.1] The method of claim 1, further comprising making the
`mobile payment card moved by the user gradually
`disappear according to a remaining payable time................... 92
`
`IX. DISCRETIONARY DENIAL IS INAPPROPRIATE .......................................94
`
`X. CONCLUSION ..................................................................................................95
`
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`Petition for Inter Partes Review of U.S. Patent No. 10,223,692
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`CERTIFICATE OF WORD COUNT ......................................................................96
`
`CERTIFICATE OF SERVICE ................................................................................97
`
`
`
`
`
`vii
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`Petition for Inter Partes Review of U.S. Patent No. 10,223,692
`
`PETITIONER’S EXHIBIT LIST1
`APPL-1001 U.S. Patent 10,223,692
`APPL-1002 File History of U.S. Patent 10,223,692
`APPL-1003 Declaration of Henry Houh, Ph.D.
`APPL-1004 Curriculum Vitae of Henry Houh, Ph.D.
`APPL-1005 U.S. Patent Publication No. 2009/0288012 to Hertel et al.
`(“Hertel”)
`APPL-1006 U.S. Patent Publication No. 2009/0037326 to Chitti et al.
`(“Chitti”)
`APPL-1007 U.S. Patent 8,296,686 to Tedesco et al. (“Tedesco”)
`APPL-1008 U.S. Patent Publication No. 2012/0123937 to Spodak (“Spodak”)
`APPL-1009 U.S. Patent 7,090,577 to Serizawa et al. (“Serizawa”)
`APPL-1010 U.S. Patent 7,967,196 to Bierbaum et al. (“Bierbaum”)
`APPL-1011 U.S. Patent 8,140,418 to Casey et al. (“Casey”)
`APPL-1012 U.S. Patent Publication No. 2012/0197743 to Grigg et al.
`(“Grigg”)
`APPL-1013 U.S. Patent Publication No. 2013/0339166 to Baer et al. (“Baer”)
`APPL-1014 U.S. Patent 5,732,230 to Cullen et al. (“Cullen”)
`APPL-1015 U.S. Patent 9,323,442 to Ledet et al. (“Ledet”)
`APPL-1016 U.S. Patent Publication No. 2009/0183120 to Ording et al.
`(“Ording”)
`APPL-1017 U.S. Patent 9,116,596 to Roman et al. (“Roman”)
`APPL-1018 U.S. Patent 6,590,568 to Astala et al. (“Astala”)
`APPL-1019 U.S. Patent 9,436,376 to Shinozaki et al. (“Shinozaki”)
`
`
`1 Petitioner’s citations to APPL-1002 use page numbers added per 37 C.F.R.
`
`§ 42.63(d)(2)(ii). Citations to other exhibits use page numbers in their original
`
`publications.
`
`viii
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`

`

`Petition for Inter Partes Review of U.S. Patent No. 10,223,692
`
`I. MANDATORY NOTICES UNDER 37 C.F.R. § 42.8
`A. Real Party-in-Interest
`
`Apple Inc. is the real party-in-interest.
`
`B. Related Matters
`
`As of the filing date of this Petition, and to the best knowledge of Petitioner,
`
`the ’692 Patent is not currently and has not previously been involved in any district
`
`court litigation or proceedings before the Board.
`
`C. Lead and Back-up Counsel and Service Information
`
`Lead Counsel
`Andrew S. Ehmke
`HAYNES AND BOONE, LLP
`2323 Victory Ave. Suite 700
`Dallas, TX 75219
`
`Backup Counsel
`Jonathan R. Bowser
`HAYNES AND BOONE, LLP
`800 17th Street NW, Suite 500
`Washington, DC 20006
`
`Angela Oliver
`HAYNES AND BOONE, LLP
`800 17th Street NW, Suite 500
`Washington, DC 20006
`
`Eugene Goryunov
`HAYNES AND BOONE, LLP
`2323 Victory Ave. Suite 700
`Dallas, TX 75219
`
`
`
`
`
`(214) 651-5116
`Phone:
`(214) 200-0853
`Fax:
`
`andy.ehmke.ipr@haynesboone.com
`USPTO Reg. No. 50,271
`
`
`Phone: (202) 654-4503
`Fax: (202) 654-4278
`jon.bowser.ipr@haynesboone.com
`USPTO Reg. No. 54,574
`
`Phone: (202) 654-4552
`Fax: (202) 654-4252
`angela.oliver.ipr@haynesboone.com
`USPTO Reg. No. 73,271
`
`Phone: (312) 216-1630
`Fax: (214) 200-0853
`eugene.goryunov.ipr@haynesboone.com
`USPTO Reg. No. 61,579
`
`1
`
`

`

`Petition for Inter Partes Review of U.S. Patent No. 10,223,692
`
`Michael S. Parsons
`HAYNES AND BOONE, LLP
`2323 Victory Ave. Suite 700
`Dallas, TX 75219
`
`Calmann J. Clements
`HAYNES AND BOONE, LLP
`2323 Victory Ave. Suite 700
`Dallas, TX 75219
`
`
`Phone: (972) 739-8611
`Fax: (214) 200-0853
`michael.parsons.ipr@haynesboone.com
`USPTO Reg. No. 58,767
`
`Phone: (972) 739-8638
`Fax: (214) 200-0853
`calmann.clements.ipr@haynesboone.com
`USPTO Reg. No. 66,910
`
`
`Please address all correspondence to lead and back-up counsel. Petitioner
`
`consents to electronic service at the email addresses above and asks Patent Owner
`
`to do the same.
`
`II.
`
`INTRODUCTION
`
`Apple Inc. (“Petitioner”) requests inter partes review (IPR) and cancellation
`
`of claims 1-13 (“Challenged Claims”) of U.S. 10,223,692 (“the ’692 patent,”
`
`APPL-1001).
`
`III. GROUNDS FOR STANDING
`
`Petitioner certifies the ’692 Patent is eligible for IPR and Petitioner is not
`
`barred or estopped from requesting an IPR on the grounds herein.
`
`IV. NOTE REGARDING EMPHASIS
`All bold, bold italics, and bold underline has been added. Italics signifies
`
`claim language.
`
`2
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`

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`Petition for Inter Partes Review of U.S. Patent No. 10,223,692
`
`V. BACKGROUND
`
`Electronic wallet applications (“e-wallets”) are virtual wallets allowing users
`
`to store several credit cards, membership cards, coupons, etc. in an application on
`
`their mobile phones and make payments using their e-wallets. E-wallets were well-
`
`known before the ʼ692 Patent. APPL-1003, ¶30 (examples). The user can designate
`
`a card as a default, or can switch to a “temporary” card for a particular transaction.
`
`APPL-1003, ¶30 (examples).
`
`A. The ʼ692 Patent
`
`The ’692 Patent provides “a method for setting a mobile payment card to be
`
`used for payment and a mobile device applying the same.” APPL-1001, 1:16-20.
`
`“[R]ecovering the original main payment card may be a cumbersome procedure”
`
`and “changing the main payment card to another payment card may also cause
`
`inconvenience.” APPL-1001, 1:32-43. The ’692 Patent’s method “set[s] a
`
`temporary payment card” so “a user can change the temporary payment card more
`
`easily, swiftly, naturally, amusingly, and intuitively.” APPL-1001, 1:49-57. APPL-
`
`1003, ¶¶31-33.
`
`Figures 10 and 11, below, display a list of mobile payment cards (Fig. 10) at
`
`a first portion of a mobile device’s touch screen interface. APPL-1001, 4:36-40.
`
`The method includes receiving, through the touch screen interface, a user input
`
`selecting a card (“ABC Premier”), and detecting the user input sliding the card
`
`3
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`

`Petition for Inter Partes Review of U.S. Patent No. 10,223,692
`
`from the first portion to a second portion of the touch screen interface (Fig. 11).
`
`APPL-1001, 4:41-48. In Figure 11, the user selects “ABC Premier” card as the
`
`temporary payment card. APPL-1001, 4:41-48. APPL-1003, ¶34.
`
`second
`portion
`of touch
`screen
`interface
`
`card
`sliding
`up
`
`
`list of
`cards
`
`first portion
`of touch
`screen
`interface
`
`APPL-1001, Figs. 10-11 (annotated)
`
`
`
`APPL-1003, ¶34.
`
`Based upon the user’s sliding the card (“ABC Premier”), that card is set as a
`
`temporary card and payments will be made by that card while set as the temporary
`
`card. APPL-1001, 4:56-61. APPL-1003, ¶35.
`
`4
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`Petition for Inter Partes Review of U.S. Patent No. 10,223,692
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`Payment using the temporary card should be made within a payable time.
`
`APPL-1001, 4:62-65. As shown in Figure 15 below, a numerical indicator of a
`
`payable time (e.g., 30 seconds) is displayed while the temporary card is active.
`
`APPL-1001, 4:66-5:2, 5:42-43. As the time decreases, Figure 16 shows the
`
`temporary card moving a first distance from a first portion of the touch screen
`
`towards a second portion of the touch screen. APPL-1003, ¶36.
`
`card
`moved
`down
`
`payable
`time
`
`remaining
`payable time
`
`APPL-1001, Figs. 15-16 (annotated)
`
`
`
`APPL-1003, ¶36.
`
`5
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`Petition for Inter Partes Review of U.S. Patent No. 10,223,692
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`When the payable time (e.g., 30 seconds) has passed, the temporary payment
`
`card is reset, the previously selected card (“ABC Premier”) is no longer the
`
`temporary card, and payments are made through a main/default card. APPL-1001,
`
`4:62-65, 2:44-45, 2:51-52; APPL-1003, ¶37.
`
`B. Prosecution History
`
`The ’692 Patent was filed August 29, 2013, and claims priority to a Korean
`
`application filed November 28, 2012.
`
`To obtain allowance, the applicant amended the claims and argued the prior
`
`art did not teach the numerical indicator of a payable time and simultaneously
`
`decrementing the timer while moving the card across the screen:
`
`APPL-1002, 65-66, 61, 64 (showing amendments). Applicant argued “none of the
`
`cited references teach the simultaneous use of both a numerical indicator and a
`
`
`
`6
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`

`Petition for Inter Partes Review of U.S. Patent No. 10,223,692
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`visualization of a ‘sinking’ card to indicate the remaining amount of payable
`
`time.” APPL-1002, 66. The Examiner then allowed the application. APPL-1002,
`
`10-12, 14-24.
`
`C. Priority Date
`
`Without conceding, Petitioner assumes a November 28, 2012, priority date
`
`for the analysis herein.
`
`VI. LEVEL OF ORDINARY SKILL IN THE ART
`
`A person of ordinary skill in the art (“POSITA”) in November 2012 would
`
`have had a working knowledge of mobile payment techniques pertinent to the ’692
`
`Patent, including software development in the field of mobile payment techniques.
`
`Such POSITA would have had a bachelor’s degree in electrical engineering,
`
`computer science, or equivalent training, and approximately two years of work
`
`experience in software development. Lack of work experience can be remedied by
`
`additional education, and vice versa. APPL-1003, ¶¶20-22.
`
`VII. CLAIM CONSTRUCTION
`
`In this Petition, claim terms carry their ordinary and accustomed meaning as
`
`understood by a POSITA at the priority date in the context of the entire disclosure.
`
`Terms not addressed below require no specific construction for this proceeding.
`
`7
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`Petition for Inter Partes Review of U.S. Patent No. 10,223,692
`
`A. “from the first portion of the screen”
`
`Claim 1 uses the term “first portion of the touch screen interface”
`
`(Limitation [1.1]/[13.2]) differently than the term “first portion of the screen”
`
`(Limitation [1.6.2]/[13.7.2]), as shown in Figures 10-11 and 15-16, below. APPL-
`
`1003, ¶44.
`
`As shown in Figure 10, a list of cards is displayed at a first portion of a
`
`touch screen interface located towards a lower portion of the touch screen
`
`interface. Limitation [1.1]/[13.2]; APPL-1001, 4:36-40. Then, as shown in
`
`Figure 11, the user “slide[s] the mobile payment card from the first portion of the
`
`touch screen interface to a second portion of the touch screen interface.” Limitation
`
`[1.3]/[13.4]; APPL-1001, 4:41-48. As shown in Figure 11, the “second portion of
`
`the touch screen interface” is located toward the upper portion of the touch screen
`
`interface. APPL-1003, ¶45.
`
`8
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`

`Petition for Inter Partes Review of U.S. Patent No. 10,223,692
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`card
`slid up to
`second
`portion of
`touch
`screen
`interface
`
`list of
`cards at
`first
`portion of
`touch
`screen
`interface
`
`APPL-1001, Figs. 10-11 (annotated)
`
`
`
`APPL-1003, ¶45.
`
`After the user has slid the card up to the second portion of the touch screen
`
`interface (Figure 11), a different operation is performed as the “payable time”
`
`passes. APPL-1003, ¶46. As shown in Figures 15-16, below, claims 1 and 13 recite
`
`“moving the mobile payment card a first distance from [a] first portion of the
`
`screen towards a second portion of the touch screen,” while the “payable time”
`
`decrements. Limitation [1.6.2]/[13.7.2]. APPL-1001, 5:39-47; APPL-1003, ¶46.
`
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`Petition for Inter Partes Review of U.S. Patent No. 10,223,692
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`first
`portion of
`the screen
`
`card
`moved
`down
`from
`first
`portion
`of the
`screen
`
`second
`portion of
`the touch
`screen
`
`APPL-1001, Figs. 15-16 (annotated)
`
`
`
`payable
`time
`
`APPL-1003, ¶46.
`
`The term “from the first portion of the screen” in Limitation [1.6.2]/[13.7.2]
`
`should thus be construed as “from a first portion of the screen” because the card is
`
`slid down from the “first portion of the screen” (Limitation [1.6.2]/[13.7.2]) and
`
`thus the “first portion of the screen” is different than the “first portion of the touch
`
`screen interface.” APPL-1003, ¶47. As discussed above, the card is slid up from
`
`the “first portion of the touch screen interface” to the “second portion of the touch
`
`screen interface.” Limitation [1.3]/[13.4]. The moving of the card “from [a] first
`
`10
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`

`Petition for Inter Partes Review of U.S. Patent No. 10,223,692
`
`portion of the screen” in Limitation [1.6.2]/[13.7.2] occurs after the user has “slid[]
`
`the mobile payment card from the first portion of the touch screen interface to a
`
`second portion of the touch screen interface” in Limitation [1.3]/[3.4]. APPL-1003,
`
`¶47.
`
`B. Printed Matter
`
`Although Limitations [1.5]-[1.7.2] and [13.6]-[13.8.2] would have been
`
`obvious (see §VIII.C.5), they lack patentable weight under the printed-matter
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`doctrine. Praxair Distribution v. Mallinckrodt Hosp. Prod. IP, 890 F.3d 1024,
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`1033 (Fed. Cir. 2018) (addressing during claim construction). These limitations are
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`“directed to the content of the information conveyed” (time remaining) and
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`“merely inform[] people of the claimed information” rather than “create a new
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`functionality in a claimed device or [] cause a specific action in a claimed process.”
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`C R Bard Inc. v. AngioDynamics, 979 F.3d 1372, 1381-82 (Fed. Cir. 2020).
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`Although the temporary card is reset when the “payable time” expires (Limitations
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`[1.8]/[13.9]), that occurs based on “payable time” expiring and would occur
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`regardless of whether or how remaining time is displayed.
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`VIII.
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`IDENTIFICATION OF HOW THE CLAIMS ARE UNPATENTABLE
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`A. Statutory Grounds for Challenge and Relief Requested
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`These references are pertinent to the grounds presented:
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`1. U.S. 2009/0288012 (“Hertel”, APPL-1005); filed May 18, 2009, published
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`Petition for Inter Partes Review of U.S. Patent No. 10,223,692
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`November 19, 2009, and prior art under pre-AIA §§102(a)-(b), (e).
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`2. U.S. 2009/0037326 (“Chitti”, APPL-1006); filed February 29, 2008,
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`published February 5, 2009, and prior art under §§102(a)-(b), (e).
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`3. U.S. 2012/0123937 (“Spodak”, APPL-1008); filed January 26, 2012,
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`published May 17, 2012, and prior art under §§102(a), (e).
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`4. U.S. 8,296,686 (“Tedesco”, APPL-1007); filed February 24, 2009, issued
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`October 23, 2012, and prior art under §§102(a), (e).
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`5. U.S. 7,967,196 (“Bierbaum”, APPL-1010); filed March 28, 2008, issued
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`June 28, 2011, and prior art under §§102(a)-(b), (e).
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`6. U.S. 2012/0197743 (“Grigg”, APPL-1012); filed February 21, 2012,
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`published August 2, 2012, and prior art under §§102(a), (e).
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`7. U.S. 2009/0183120 (“Ording”, APPL-1016); filed March 24, 2009,
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`published July 16, 2009, and prior art under §§102(a)-(b), (e).
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`8. U.S. 9,116,596 (“Roman”, APPL-1017); filed September 29, 2012, and prior
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`art under §102(e).
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`These references are analogous art because they are in the same field of
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`endeavor as the ʼ692 patent (applications relating to mobile payment, including
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`relating to electronic wallets) and/or are reasonably pertinent to a problem with
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`which the ʼ692 patent’s inventor was involved (visual display techniques for
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`interacting with a user). EX1003, ¶¶51, 58, 63, 65, 70, 230, 248, 259, 268; APPL-
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`Petition for Inter Partes Review of U.S. Patent No. 10,223,692
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`1001, Abstract, 1:16-20, 1:49-67; Unwired Planet v. Google, 841 F.3d 995, 1000-
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`02 (Fed. Cir. 2016).
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`This Petition, supported by Dr. Henry Houh’s declaration (APPL-1003),
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`requests cancellation of the Challenged Claims as follows:
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`Ground
`#1
`#2
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`Claim(s) Challenged
`1-4 and 11-13
`5-6 and 10
`
`#3
`
`#4
`
`#5
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`7
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`8
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`9
`
`Basis under 35 U.S.C. § 103
`Hertel, Chitti, Spodak, and Tedesco
`Hertel, Chitti, Spodak, Tedesco, and
`Bierbaum
`Hertel, Chitti, Spodak, Tedesco,
`Bierbaum, and Grigg
`Hertel, Chitti, Spodak, Tedesco, and
`Ording
`Hertel, Chitti, Spodak, Tedesco, and
`Roman
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`B. Summary of Independent-Claim Grounds
`
`The grounds combine a number of references because the Challenged
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`
`
`Claims recite a collection of well-known technologies, such as default credit cards,
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`numerical representation of a timer, a drag-and-drop user interface interaction, etc.
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`The combination of Hertel, Chitti, Spodak, and Tedesco renders independent
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`Claims 1 and 13 obvious, as a predictable combination of well-known features.
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`Hertel’s e-wallet provides a routine drag-and-drop method for selecting a payment
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`method for temporary use. Similarly, Chitti’s e-wallet discloses a temporary
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`payment card because it uses a “default” card for payment, which a user may
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`override by selecting another card (i.e., a temporary payment card).
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`Petition for Inter Partes Review of U.S. Patent No. 10,223,692
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`Spodak uses a temporary card for a given time period. When time expires,
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`Spodak’s e-wallet reverts to the default card. A POSITA would have used this time
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`limit with a user-selected temporary card. While Spodak does not disclose a visual
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`or numerical representation of its timer, it was well-known to display a numerical
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`and graphical representation of a timer, as in Tedesco, though those display
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`limitations ([1.5]-[1.7.2]) do not have patentable weight (see Section VII.B).
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`As described below, a POSITA would have been motivated to modify Hertel
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`to include the well-known features above (Chitti’s temporary payment card,
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`Spodak’s timer for a temporary card, and Tedesco’s numerical and graphical
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`representation of a timer). APPL-1003, ¶71. A POSITA would have had a
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`reasonable expectation success in making such a combination because all of the
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`features could be implemented in software, as shown by the fact that these features
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`were well-known concepts already used in mobile applications. APPL-1003, ¶71.
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`C. Ground 1: Claims 1-4 and 11-13 would have been obvious over
`Hertel in view of Chitti, Spodak, and Tedesco.
`
`1. Overview of Hertel
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`Hertel describes an e-wallet for financial transactions. APPL-1005, ¶175.
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`Hertel’s e-wallet includes “payment instrument[s],” i.e., digital objects to transfer
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`value from user to vendor (e.g., credit cards, gift cards, coupons, etc.). APPL-1005,
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`¶190, ¶58, ¶¶103-104.
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`Hertel describes a “payment receptacle control which can receive all digital
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`Petition for Inter Partes Review of U.S. Patent No. 10,223,692
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`objects that can act as payment instruments allowing the user to apply them to a
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`transaction but also acts as a dispenser which allows the user to drag payment
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`instruments back out in order to roll back their application.” APPL-1005, ¶¶70, 106-
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`109, Fig. 17. Payment receptacles may be in the e-wallet. APPL-1005, ¶¶69-70,
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`76, 184.
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`2. Overview of Chitti
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`Chitti pertains to multiple “virtual” payment cards (e.g., credit cards) on a
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`mobile phone in an e-wallet. APPL-1006, ¶¶23-24.
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`Chitti recognized navigating through many virtual cards to select one may be
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`cumbersome. APPL-1006, ¶¶24-25. Chitti streamlined this by providing a “virtual
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`wallet” storing multiple cards and employing a “default” card, yet allowing a user
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`to select another card for a particular transaction. APPL-1006, ¶¶24-25, Abstract.
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`Chitti describes a portable electronic device (e.g., a mobile phone) with a
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`“virtual card application” to manage virtual payment cards. APPL-1006, Abstract.
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`Chitti’s “top of the wallet card” is used as “the default card” and is determined
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`based on a priority for each card, which may be based on location, schedule, user
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`input, etc. APPL-1006, Abstract. For example, the default card may be the main
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`card a user historically uses for payments. APPL-1006, ¶¶26-27. Chitti’s “default
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`card” is used for payments unless a user selects another card. Id.
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`Petition for Inter Partes Review of U.S. Patent No. 10,223,692
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`3. Overview of Spodak
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`Spodak also describes e-walle