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`IPR2022-01239
`Apple EX1002 Page 1
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`PTO/AIA/96 (08-12)
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`Approved for use through 04/31/2013. 0MB 0651·-0034
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`U.S. Pa1en1 and Tradernark Office, US. DEPARTMENT OF COMMERCE
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`Under the Papervvork. Reduction Act of 1995, no persons are required to respond to a coilection of information un!ess it displays a va.!id OM8 controi nun1be•.
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`STATEMENT UNDER 37 CFR 3.73(c}
`rp_o_ra_t_io_n
`tent owner: _R_F_C_y_·b_e_.r_C_o_
`A pplicant/Pa
`________ ________ _____________ _
`Application No./Patent No.: Unassigned
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`yments using rnobile devices for settling paTitled: Method and apparatus
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`RFCyber Corporation
`a California corporation
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`(Nan1e of Assignee)
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`(Type of Assignee, e.g., corpo•ation. partnership. university, govemn1ent a�1ency, etc.)
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`states that, for the patent application/patent identified above, it is (choose Q!JQ of options 1, 2, 3 or 4 below):
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`and interest.1.0 The assignee of the entire right title,
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`box):(check applicabie titie, and interest 2.D An assignee of less than the entire right,
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`by the owners Statement(s) p interest is ______ %. Additional LJ The extent (by percentage) of its owners�;i
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`hoiding the balance of the interest must be submitted to ac count for 100".I,, of the ownership interest.
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`own the entire inventors. who together The other parties, inc!uding D There are unspecified p ercentages of ownership.
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`was made).from one of the joint inventors assignment (a complete interest in the entirety 3.D The assignee of an undivided
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`right. title, and interest.
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`The other parties, including inventors, who together own the entire right, title, and interest are:
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`right, title, and interest.
`(ainterest in the entirety probate), of an undivided bankruptcy, or the like (e.g., 4.D The recipient, via a court proceeding
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`complete transfer of ownership interest was made). The certified docurnent(s) showing the transfer is attached.
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`The interest identified in option 1, 2 or 3 above (not option 4) is evidenced by either (choose Q!JQ of options A or B beiow):
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`ee as follows:identified above, to the current assignof the patent application/patent B.[J A chain of title from the inventor(s),
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`was recorded i n
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`A.RJ An assignment
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`the United States Patent and Trademark Office at Reel ______ , Frame ______ , or for which a copy
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`1.From:
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`Reei ______ , Frame ______ , or for which a copy thereof is attached.
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`Reel ______ , Frame ______ , or for which a copy thereof is attached.
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`[Page 1 of 2]
`This co!lection of information is required by 37 CF'R. 3.73(b). The intorrna1;on is required 10 obta;i, or retain a benefit by the public which ;s to fiie (and by the USPTO to
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`gatheri ng, p•eparing. and submittin�1 the con1pleted application forrn to the US PTO. Tirne wii! vary depending upon the individual case. Any con1n1ents on the amount
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`of time you require to cornp!ete this forrn and/or sugges1;ons tor reciuc;ng th;s burden, should be sent to the Chief information Officer. U.S. Pa1en1 and Trademark
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`Office, U.S. Department of Commerce, P.O. Box 1450, A!exanc1r!a, VA 22373-1450. DO NOT SE:J..JD FEES OR COMPLErED FORMS TO THIS ADDRESS. SEND
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`TO: Commissioner fol' Patents, PoO, Box 1450, Alexandria, VA 22313-1450.
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`lfyou need assi.stance in completing the Jin7n, call 1-800-PTO-9199 and .select option 2.
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`IPR2022-01239
`Apple EX1002 Page 2
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`
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`PTOi AIA/96 (08-12J
`Approved tor use through o·J/3"1./2013. 0MB 0654-00J-1
`U.S Patent and Tradema,k Office; U.S DEPARTMENT OF COMMERCE
`Under the Paperv,;ork Reduction Act of ~995. no persons are required to respond to a collection of inforrna.t!on unless it displays a valid 0MB control number.
`
`STATEMENT UNDER 37 CFR 3.73{c}
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`3. From: ___________________
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`To:
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`The document was recorded in the United States Patent and Trademark Office at
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`Reel ______
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`, Frame ______
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`, or for which a copy thereof is attac~;ed.
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`4. From: ___________________
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`To:
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`The document was recorded in the United States Patent and Trademark Office at
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`Reel ______
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`, or for which a copy thereof is attached.
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`5. From: ____________________
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`The document was recorded in the United States Patent and Trademark Office at
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`Reel ______
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`, or for which a copy thereof is attached.
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`6. From:
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`The document was recorded in the United States Patent and Trademark Office at
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`To:
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`, Frame ______
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`Reel ______
`D Additional documents ln the chain of title are listed on a supplemental sheet(s).
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`D
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`As required by 37 CFR 3.73(c)(1 )(i), the documentary evidence of the chain of title from the original owner to the
`assignee was, or concurrentiy is being, submitted for recordation pursuant to 37 CFF\ 3.11.
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`[NOTE: A separate copy (i.e., a true copy ot the original assignment document(s)) must be submitted to Assignment
`Division in accordance with 37 CFR Part 3, to record the assignment in the records of the USPTO. See MPEP 302.08]
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`The undersigned (whose title Is supplied below) is authorized to act on behalf of the assignee.
`I joe zheng /
`03/28/2013
`Signature
`Date
`Joe Zheng
`Printed or Typed Name
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`39,450
`Titie or Registration Number
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`[Page 2 of 2]
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`IPR2022-01239
`Apple EX1002 Page 3
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`RFID-085
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`Page 1 of 1
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`IPR2022-01239
`Apple EX1002 Page 4
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`IN THE UNITED STATES PATENT AND TRADEMARK OFFICE
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`Docket No.: RFID-085C1
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`UTILITY PATENT APPLICATION
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`FOR
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`Method and apparatus for mobile payments
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`lnventor(s): Xiangzhen Xie
`C505, Long Tai Xuan, Nanguang Village
`Nanshang District
`Shenzhen, Guangdong Province, 518051, China
`Citizenship: P.R. China
`
`Liang Seng Koh
`41291 Carmen Street
`Fremont, CA 94539, USA
`Citizenship: USA
`
`Hsin Pan
`2374 Olive Avenue
`Fremont, CA 94539, USA
`Citizenship: USA.
`
`Date of Deposit: June 2, 2015
`Express Mail Label # E-filing
`I hereby certify that this paper or fee is being deposited with the United States Postal
`Service using "Express Mail Post Office To Addressee" service under 37 CFR 1.10 on
`the date indicated above and is addressed to "Mail Stop: New Application,
`Commissioner for Patents, P.O. Box 1450, Alexandria, VA 22313"
`
`Signed:
`
`/ joe zheng /
`Joe Zheng
`
`IPR2022-01239
`Apple EX1002 Page 6
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`Method and apparatus for mobile payments
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`Xiangzhen Xie
`Liang Seng Koh
`Hsin Pan
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`CROSS-REFERENCE TO RELATED APPLICATIONS
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`This application is a continuation of co-pending US Pat. App. Serial
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`No.: 13/853,937 filed on 03/29/2013, now US Pat. No.: 9,047,601 issued
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`on 06/02/2015.
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`Field of the Invention
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`BACKGROUND OF THE INVENTION
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`[0001]
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`The present invention is generally related to the area of electronic
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`commerce. Particularly, the present invention is related to a mobile device configured
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`to settle payments using a mobile device reading electronic bills or invoices off from
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`another mobile device in a near field communication range.
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`The Background of Related Art
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`[0002]
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`For many credit or debit card transactions, the payment process is
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`started by a customer asking for a bill when checking out a purchase. A cashier or
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`service member brings a bill to the customer for verification. The customer then hands
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`out a credit/debit card to the service member. The service member brings the card to a
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`Point of Sales (POS) counter to initiate a transaction payment. The service member
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`then brings back a receipt to the customer for signature to authorize the transaction. It
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`is a lengthy process that typically takes a couple of minutes or much longer when the
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`service member has to take care of multiple payment transactions at a time. In
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`addition, in the case for the debit card transactions, the process may be even more
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`troublesome when a PIN is needed to authorize the transaction at the POS.
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`2
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`IPR2022-01239
`Apple EX1002 Page 7
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`[0003]
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`There is a need to simplify the payment process. With the advancement
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`in mobile devices, it is anticipated that many consumers will carry one with them. Thus
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`there is an opportunity of using a mobile device to quickly settle the payment at a point
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`of sale (POS).
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`SUMMARY OF THE INVENTION
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`[0004]
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`This section is for the purpose of summarizing some aspects of the
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`present invention and to briefly introduce some preferred embodiments.
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`Simplifications or omissions may be made to avoid obscuring the purpose of the
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`section. Such simplifications or omissions are not intended to limit the scope of the
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`present invention.
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`[0005]
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`The present invention is related to techniques for mobile devices
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`configured to support settlement of charges in electronic invoices or bills. According to
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`one aspect of the present invention, a mobile device embedded with a secure element
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`generates or is loaded with an electronic invoice. When the mobile device is brought to
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`a consumer with an NFC mobile device, the data including the electronic invoice and
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`other information regarding the mobile device or an owner thereof is read off wirelessly
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`into the NFC mobile device. After the user verifies the amount being charged and
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`authorizes the payment, the NFC mobile device communicates with a payment
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`gateway or network for payment that is configured to proceed with the payment in
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`accordance with a chosen payment method.
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`[0006]
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`According to another aspect of the present invention, the mobile device
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`is a contactless card or part of a point of sale (POS) machine used to generate the
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`electronic invoice. One embodiment of the present invention provides unanticipated
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`benefits and advantages in an application in which a payment process would
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`otherwise have to be involved in more than one contacts between a merchant and the
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`consumer. One of such applications is a payment process in a restaurant, where a
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`consumer is given a check first for verification and a chance to add a gratitude before
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`3
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`IPR2022-01239
`Apple EX1002 Page 8
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`a final charge is determined and paid. Using the NFC mobile device, the consumer
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`can finish the payment using a chosen payment method at the point of sale without
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`further contacting the merchant.
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`[0007]
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`According to still another aspect of the present invention, a consumer
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`uses his/her mobile device, per the data received therein, to settle the payment
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`process with a payment network, where the payment network may be an existing
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`payment infrastructure (e.g., money transfer or credit card/debit). A payment response
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`is sent to the merchant once a payment is delivered to a designated account by the
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`merchant.
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`[0008]
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`According to still another aspect of the present invention, the mobile
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`device being used by the consumer is itself an electronic purse. Thus the consumer
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`operates his/her mobile device to settle the charge once the electronic invoice is
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`received and displayed thereon.
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`[0009]
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`According to still another aspect of the present invention, the mobile
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`device used by the consumer is a near field communication (NFC) device and being
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`part of a mobile payment ecosystem in which various parties are work with each other
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`in order for the mobile payment ecosystem successful. Via a server (e.g., implemented
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`as a manager) configured to provide what is referred to herein as Trusted Service
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`Management (TSM), the secure element in the mobile device can be remotely
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`personalized and various applications or modules can be downloaded, updated,
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`managed or replaced after they are respectively provisioned via the Trusted Service
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`Manager (i.e., the TSM server). One of the modules being installed in the POS
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`machine or an NFC device used by the merchant is referred to as Smart Bill Payment.
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`The module is configured to facilitate the communication between the merchant (its
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`device) and the user (his/her mobile device) and the data exchange therebetween,
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`where the mobile device being used by the user is installed with a corresponding
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`application related to Smart Bill Payment.
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`[001 0]
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`One important features, advantages and benefits in the present invention
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`is to facilitate the settlement of charges using an NFC mobile device to read off data
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`pertaining to an electronic invoice. The present invention may be implemented as a
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`4
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`IPR2022-01239
`Apple EX1002 Page 9
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`single device, a server, a system or a part of system. It is believed that various
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`implementations may lead to results that may not be achieved conventionally.
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`[0011]
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`According to one embodiment, the present invention is a method for
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`settling a payment, the method comprises: providing a software module to be
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`executed in a first mobile device embedded with a secure element, wherein the secure
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`element has been personalized and the software module is provisioned with the
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`personalized secure element, the first mobile device is configured to include data
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`pertaining to an electronic invoice; receiving a payment request from a second mobile
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`device after a user of the second mobile device authorizes the payment to the
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`electronic invoice transported wirelessly from the first mobile device, wherein the
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`second mobile device is a near-field communication device and is configured to
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`execute an application that communicates with the software module in the first mobile
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`device to read the data off from the first mobile device; verifying the payment request;
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`and sending a payment response to a user of the first mobile device after the payment
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`request is processed. In the embodiment, the second mobile device includes a display
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`screen and is caused to display the electronic invoice when the data is in the second
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`mobile device.
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`[0012]
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`According to another embodiment, the present invention is a gateway
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`provided for settling a payment, the gateway may include a server or a collection of
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`servers. The gateway comprises a portal providing a software module to be
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`downloaded and executed in a first mobile device embedded with a secure element,
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`wherein the secure element has been personalized and the software module is
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`provisioned with the personalized secure element, the first mobile device is configured
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`to include data pertaining to an electronic invoice. The gateway further comprises a
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`server that includes: a processor and a store, coupled to the processor, for code to be
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`executed in the processor to cause the server to perform operations of:
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`receiving a payment request from a second mobile device after a user of the
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`second mobile device authorizes the payment to the electronic invoice
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`transported wirelessly from the first mobile device, wherein the second mobile
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`device is a near-field communication device and is configured to execute an
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`5
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`IPR2022-01239
`Apple EX1002 Page 10
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`application that communicates with the software module in the first mobile
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`device to read the data off from the first mobile device;
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`verifying the payment request; and
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`sending a payment response to a user of the first mobile device after the
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`payment request is processed.
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`[0013]
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`Other objects, features, and advantages of the present invention will
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`become apparent upon examining the following detailed description of an embodiment
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`thereof, taken in conjunction with the attached drawings.
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`BRIEF DESCRIPTION OF THE DRAWINGS
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`[0014]
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`The invention will be readily understood by the following detailed
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`description in conjunction with the accompanying drawings, wherein like reference
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`numerals designate like structural elements, and in which:
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`[0015]
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`FIG. 1A shows a system configuration according to one embodiment of
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`the present invention, where the payment network represents a collection of services
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`or networks provided to settle payments via a financial institution;
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`[0016]
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`FIG. 1 B shows a flowchart or process of settling a payment according to
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`one embodiment, where the process may be implemented in software or a
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`combination of software and hardware;
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`[0017]
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`FIG. 2A shows a mobile payment ecosystem in which related parties are
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`shown in order for the mobile payment ecosystem successful;
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`[0018]
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`FIG. 2B shows a flowchart or process of provisioning one or more
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`applications according to one embodiment;
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`[0010]
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`FIG. 2C shows a data flow illustrating various interactions among
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`different parties when an application is being provisioned in one embodiment;
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`[0011]
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`FIG. 2D shows a data flow among different entities when preparing the
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`application data in provisioning an application;
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`[0012]
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`FIG. 2E shows a flowchart or process for locking or disabling an installed
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`application;
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`6
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`IPR2022-01239
`Apple EX1002 Page 11
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`[0013]
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`FIG. 2F shows an exemplary architecture diagram of a portable device
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`enabled as an e-purse conducting e-commerce and m-commerce, according to one
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`embodiment of the present invention;
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`[0014]
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`FIG. 3A is a block diagram of related modules interacting with each other
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`to achieve what is referred to herein as e-purse personalization by an authorized
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`personnel (a.k.a., personalizing a mobile device or a secure element therein while
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`provisioning an application);
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`[0015]
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`FIG. 3B shows a block diagram of related modules interacting with each
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`other to achieve what is referred to herein as e-purse personalization by a user of the
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`e-purse;
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`[0016]
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`FIG. 3C shows a flowchart or process of personalizing an e-purse
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`according to one embodiment of the present invention;
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`[0017]
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`FIG. 4A and FIG. 4B show together a flowchart or process of financing,
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`funding, load or top-up an e-purse according to one embodiment of the present
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`invention;
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`[0018]
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`FIG. 4C shows an exemplary block diagram of related blocks interacting
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`with each other to achieve the process FIG. 4A and FIG. 4B;
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`[0019]
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`FIG. 5A is a diagram showing a first exemplary architecture of a portable
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`device for enabling e-commerce and m-commerce functionalities over a cellular
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`communications network (i.e., 3G, L TE or GPRS network), according an embodiment
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`of the present invention;
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`[0020]
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`FIG. 5B is a diagram showing a second exemplary architecture of a
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`portable device for enabling e-commerce and m-commerce functionalities over a wired
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`and/or wireless data network (e.g., Internet), according another embodiment of the
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`present invention;
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`[0021]
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`FIG. 5C is a flowchart illustrating an exemplary process of enabling the
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`portable device of FIG. 5A for services/applications provided by one or more service
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`providers in accordance with one embodiment of the present invention;
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`7
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`IPR2022-01239
`Apple EX1002 Page 12
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`[0022]
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`FIG. 6A is a diagram showing an exemplary architecture, in which a
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`portable device is enabled as a mobile POS conducting e-commerce and m(cid:173)
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`commerce, according to one embodiment of the present invention;
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`[0023]
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`FIG. 6B is a diagram showing an exemplary architecture, in which a
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`portable device is enabled as a mobile POS conducting a transaction upload operation
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`over a network, according to an embodiment of the present invention;
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`[0024]
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`FIG. 6C is a flowchart illustrating an exemplary process of conducting m-
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`commerce using the portable device enabled as a mobile POS with an e-token
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`enabled device as a single functional card in accordance with one embodiment of the
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`present invention;
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`[0025]
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`FIG. 6D is a flowchart illustrating an exemplary process of conducting m-
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`commerce using the portable device enabled as a mobile POS against a an e-token
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`enabled device as a multi-functional card; and
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`[0026]
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`FIG. 7 is a diagram depicting an exemplary configuration in which a
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`portable device used for an e-ticking application.
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`DETAILED DESCRIPTION OF THE INVENTION
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`[0019]
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`In the following description, numerous specific details are set forth to
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`provide a thorough understanding of the present invention. The present invention may
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`be practiced without these specific details. The description and representation herein
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`are the means used by those experienced or skilled in the art to effectively convey the
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`substance of their work to others skilled in the art. In other instances, well-known
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`methods, procedures, components, and circuitry have not been described in detail
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`since they are already well understood and to avoid unnecessarily obscuring aspects
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`of the present invention.
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`[0020]
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`Reference herein to "one embodiment" or "an embodiment" means that a
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`particular feature, structure, or characteristic described in connection with the
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`embodiment can be included in at least one implementation of the invention. The
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`appearances of the phrase "in one embodiment" or "in the embodiment" in various
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`8
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`IPR2022-01239
`Apple EX1002 Page 13
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`places in the specification are not necessarily all referring to the same embodiment,
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`nor are separate or alternative embodiments mutually exclusive of other embodiments.
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`Further, the order of blocks in process, flowcharts or functional diagrams representing
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`one or more embodiments do not inherently indicate any particular order nor imply
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`limitations in the invention. As used in this specification and the appended claims, the
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`singular forms "a," "an," and "the" include plural referents unless the context clearly
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`dictates otherwise. It should also be noted that the term "or" is generally employed in
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`its sense including "and/or" unless the context clearly dictates otherwise.
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`[0021]
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`Embodiments of the present invention are discussed herein with
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`reference to FIGS. 1A - 7. However, those skilled in the art will readily appreciate that
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`the detailed description given herein with respect to these figures is for explanatory
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`purposes only as the invention extends beyond these limited embodiments.
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`[0022]
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`Near Field Communication (NFC) presents significant business
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`opportunities when used in mobile devices for applications such as payment, transport
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`ticketing, loyalty, physical access control, and other exciting new services. To support
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`this fast evolving business environment, various NFC-enabled mobile phones or
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`devices are being advanced to support various uses in daily life.
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`[0023]
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`FIG. 1A shows a system configuration 100 according to one embodiment
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`of the present invention. A network 102 represents a collection of services or networks
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`provided to settle payments by a financial institution. In other words, it is a system
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`providing services to electronically transfer money or settle payments. What makes it a
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`system is that it employs cash-substitutes as the traditional payments are negotiable
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`instruments such as drafts (e.g., checks) and documentary credits, such as letter of
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`credits. With the advent of computers and electronic communications, a large number
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`of alternative electronic payment systems have emerged. These include debit
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`cards, credit cards, electronic funds transfers, direct credits, direct debits, internet
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`banking and e-commerce payment systems. Payment systems are used in lieu of
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`tendering cash in domestic and international transactions and consist of a major
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`service provided by banks and other financial institutions.
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`9
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`IPR2022-01239
`Apple EX1002 Page 14
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`[0024]
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`The payment system or network 102 may be physical or electronic and
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`has its own procedures and protocols. An example of the payment system that has
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`become globally available is Visa or Master Card, a true global credit card and
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`automated teller machine network. Both merchants and consumers use the payment
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`system to settle transactions.
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`[0025]
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`According to one embodiment, a payment gateway 104 includes a server
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`or a collection of servers configured to provide an application that may be installed in a
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`mobile device for a user thereof to enj