(58)Field of Classification Search
`
`
`CPC ............. G06Q 20/3278; G06Q 20/204; G06Q
`
`
`
`
`
`20/3223; G06Q 20/20; G06Q 30/04;
`(Continued)
`
`
`
`(71) Applicant: RFCyber Corporation, Fremont, CA
`
`
`
`(US)
`
`(56)
`(72) Inventors: Xiangzhen Xie, Shenzhen (CN); Liang
`
`
`
`
`Seng Koh, Fremont, CA (US); Hsin
`
`Pan, Fremont, CA (US)
`
`References Cited
`
`U.S. PATENT DOCUMENTS
`
`
`
`7,962,369 B2 * 6/2011 Rosenberg . G06Q 20/20
`
`
`
`
`705/26.1
`8,172,135 Bl* 5/2012 Aidasani . G06Q 20/4012
`235/379
`(Continued)
`
`I 1111111111111111 1111111111 1111111111 11111 11111 1111111111 lll111111111111111
`
`USO 10600046B2
`
`(IO) Patent No.: US 10,600,046 B2
`
`c12) United States Patent
`Mar.24,2020
`
`(45)Date of Patent:
`Xie et al.
`
`(54)METHOD AND APPARATUS FOR MOBILE
`PAYMENTS
`
`(73)Assignee: RFCyber Corporation, Frement, CA
`
`
`
`
`
`(US)
`
`( *) Notice: Subject to any disclaimer, the term ofthis
`
`
`
`
`
`
`
`patent is extended or adjusted under 35
`
`
`U.S.C. 154(b) by 438 days.
`
`FOREIGN PATENT DOCUMENTS
`
`(21)Appl. No.: 14/728,349
`
`
`
`(22)Filed:Jun. 2, 2015
`
`JP
`WO
`
`11073542 A * 3/1999
`
`WO-2012000438 Al * 1/2012
`G07F 7/0866
`
`OTHER PUBLICATIONS
`
`(65)
`
`
`
`Prior Publication Data
`
`
`
`US 2015/0278800 Al Oct. 1, 2015
`
`MasterCard International Incorporated, Partnering for performance
`
`
`
`
`
`
`
`withe-business solutions, p. 8.*
`
`Primary Examiner - Ashford S Hayles
`
`
`
`
`
`(74)Attorney, Agent, or Firm - Joe Zheng
`
`
`
`
`
`Related U.S. Application Data
`
`(51)Int. Cl.
`(2012.01)
`G06Q 20132
`(2012.01)
`G06Q 20110
`(Continued)
`
`(57)
`ABSTRACT
`(63)Continuation of application No. 13/853,937, filed on
`
`
`
`settle­Techniques for mobile devices configu red to support
`
`
`
`
`Mar. 29, 2013, now Pat. No. 9,047,601, which is a
`
`
`
`
`ment of charges in electronic invoices or bills are described.
`
`An NFC mobile device is used to read off from a POS device
`(Continued)
`
`
`
`
`data pertaining to the electronic invoices for payment. The
`
`
`
`data includes the electronic invoice and other information
`
`
`
`
`regarding a registered user of the POS device or an owner
`
`
`
`thereof is. After the user verifies the amount being charged
`
`
`
`and authorizes the payment, the NFC mobile device com­
`
`
`
`
`municates with a payment gateway or network for payment
`(52)U.S. Cl.
`
`
`
`in accordance with the payment that is configu red to proceed
`CPC ....... G06Q 2013278 (2013.01); G06Q 201102
`
`
`
`
`with a chosen payment methods.
`
`(2013.01); G06Q 20120 (2013.01);
`(Continued)
`
`
`
`20 Claims, 22 Drawing Sheets
`
`
`
`�
`
`Payment Network
`
`100
`
`Pay1-r:errl /\uthorizatio'1 Request
`
`Smart BIii Payment Gateway
`104
`� Payment Aulho,i7.c1Uon
`
`'""-.. Response
`
`Payment info w/· h
`electronic bill
`Personal NFC device
`with walfet software
`llO Confclr:tfes.:;: smart
`Sigm,d electronic bill
`cafd (or secure
`element in NFC
`devi(;esj with smart
`108
`bill applet
`
`120
`
`12:l
`
`126
`
`128
`
`BO
`
`132
`
`136
`
`IPR2022-01239
`Apple EX1001 Page 1
`
`

`

`US 10,600,046 B2
`Page 2
`
`
`Related U.S. Application Data
`
`
`
`
`
`
`
`
`
`
`
`
`1, 2012.
`
`
`
`(60) Provisional application No. 61/618,802, filed on Apr.
`
`2010/0211504 Al* 8/2010 Aabye .................... G06Q 20/10
`
`705/44
`continuation-in-part of application No. 13/350,832,
`
`
`
`
`2010/0213253 Al* 8/2010 Wollbrand ....... G06K 19/07769
`
`
`
`
`filed on Jan. 16, 2012, now abandoned, which is a
`235/380
`
`
`
`2010/0274677 Al * 10/2010 Florek ... ... ... ... .... ... . G06Q 20/ 10
`continuation-in-part of application No. 11/534,653,
`705/16
`
`filed on Sep. 24, 2006, now Pat. No. 8,118,218.
`
`
`2010/0274726 Al* 10/2010 Florek .................... G06Q 20/20
`705/72
`
`2010/0306076 Al* 12/2010 Taveau ................... G06Q 20/02
`705/26.8
`
`2010/0325048 Al* 12/2010 Carlson .................. G06Q 20/20
`705/44
`(51)
`Int. Cl.
`
`2011/0042456 Al* 2/2011 Masaryk ................ G06Q 20/20
`(2012.01)
`G06Q 20134
`235/380
`
`2011/0066550 Al* 3/2011 Shank ................ G06Q 20/1085
`(2012.01)
`G06Q 20136
`705/43
`(2012.01)
`G06Q 20140
`
`2011/0078081 Al* 3/2011 Pirzadeh ................ G06Q 20/32
`(2012.01)
`G06Q 30/06
`705/44
`(2012.01)
`G06Q 20120
`
`2011/0087610 Al* 4/2011 Batada .................... G06F 21/72
`(2012.01)
`G06Q 30/04
`705/318
`(52)
`U.S. Cl.
`2011/0112968 Al * 5/2011 Florek ... ... ... ... .... ... . G06Q 20/20
`
`705/50
`CPC ....... G06Q 201204 (2013.01); G06Q 2013223
`
`
`
`
`2011/0113473 Al* 5/2011 Corda .................... G06Q 20/32
`
`
`
`
`(2013.01); G06Q 2013227 (2013.01); G06Q
`726/3
`
`
`201352 (2013.01); G06Q 2013552 (2013.01);
`2011/0117839 Al* 5/2011 Rhelimi . G06K 19/0719
`
`
`
`G06Q 2013672 (2013.01); G06Q 20140
`455/41.1
`
`
`
`(2013.01); G06Q 30/04 (2013.01); G06Q
`
`
`2011/0155800 Al* 6/2011 Mastrangelo ........ G06Q 20/352
`
`
`30/0601 (2013.01)
`235/379
`
`2011/0173060 Al* 7/2011 Gallagher .......... G06Q20/0425
`
`
`(58)
`
`Field of Classification Search
`705/14.27
`
`
`CPC ............... G06Q 20/102; G06Q 20/352; G06Q
`
`
`
`2011/0180610 Al* 7/2011 Narendra ........... G06K 19/0701
`
`20/3552; G06Q 20/3672; G06Q 20/40;
`235/492
`
`G06Q 30/0601; G06Q 20/3227
`
`
`
`2011/0251952 Al* 10/2011 Kelly ..................... G06Q 20/14
`
`USPC ............................................................ 705/21
`705/40
`
`
`See application file for complete search history.
`
`
`2011/0258120 Al* 10/2011 Weiss ...................... G06F 21/32
`705/44
`
`
`2012/0072309 Al* 3/2012 Hultberg ................ G06Q 20/32
`705/26.41
`
`2012/0078792 Al* 3/2012 Bacastow .......... G06Q 20/3223
`705/44
`
`2012/0116963 Al* 5/2012 Klein ................... G06Q 20/102
`
`8,196,131 Bl* 6/2012 von Behren ......... G06Q 20/367
`
`705/40
`705/64
`
`
`2012/0118952 Al* 5/2012 Norair .................. G06K 7/0008
`
`8,270,578 B2 * 9/2012 Poniatowski .......... G06Q 30/06
`235/380
`235/462.45
`
`
`2012/0136786 Al* 5/2012 Romagnoli ............ G06Q 20/10
`
`8,341,083 Bl* 12/2012 Jain ....................... H04L 63/083
`705/44
`705/41
`
`
`2012/0143702 Al* 6/2012 Ho ......................... G06Q 20/10
`8,565,676 B2 * 10/2013 Gormley . H04M 1/274516
`705/16
`455/41.1
`
`2012/0166333 Al* 6/2012 von Behren ........... G06Q 20/10
`
`8,577,731 Bl* 11/2013 Cope .................. G06Q 20/3224
`705/41
`705/17
`
`
`
`2012/0178433 Al* 7/2012 Narendra ......... G06K 19/06187
`
`8,601,266 B2 * 12/2013 Aabye ................... G06F 21/445
`455/420
`713/168
`
`
`
`2012/0239566 Al* 9/2012 Everett .................. G06Q 20/10
`
`8,646,059 Bl* 2/2014 von Behren ......... G06Q 20/367
`705/41
`719/311
`
`
`
`2012/0253974 Al* 10/2012 Haikonen .............. G06Q 20/29
`
`
`2004/0127256 Al* 7/2004 Goldthwaite ........ G06K 7/0004
`705/26.41
`455/558
`
`
`
`2012/0290376 Al* 11/2012 Dryer ................. G06Q 20/3278
`
`2006/0085266 Al* 4/2006 Wei ........................ G06Q 50/12
`705/14.23
`705/15
`
`
`
`2012/0290472 Al* 11/2012 Mullen .................. G06Q 10/00
`
`2007/0131780 Al* 6/2007 Ho ......................... G06K 19/07
`705/39
`235/492
`
`
`
`2012/0296819 Al* 11/2012 Lu ........................ G06Q 20/352
`2008/0093467 Al* 4/2008 Narendra ............. G06Q 20/341
`705/41
`235/492
`
`
`
`2012/0304255 Al* 11/2012 Carnes .................. H04L 9/3234
`
`2008/0126260 Al* 5/2008 Cox ....................... G06Q 20/20
`
`726/3
`705/67
`
`
`
`2012/0317628 Al* 12/2012 Yeager ................. G06Q 20/204
`
`2008/0167017 Al* 7/2008 Wentker ................. G06Q 20/32
`726/5
`455/414.1
`
`2013/0024383 Al* 1/2013 Kannappan ............ G06Q 20/40
`
`2009/0164330 Al* 6/2009 Bishop ................... G06Q 20/02
`705/71
`705/19
`
`
`
`2013/0048717 Al* 2/2013 Brendell .............. G06Q 20/325
`2009/0248579 Al* 10/2009 Kaminski .......... G06Q 20/0855
`235/380
`705/67
`
`
`
`2013/0054412 Al* 2/2013 Brendell ................ G06Q 20/12
`
`2009/0289106 Al* 11/2009 Bishop ................... G06Q 20/02
`705/26.41
`235/379
`
`
`
`2013/0054413 Al* 2/2013 Brendell ............ G06Q 20/3276
`
`2009/0307140 Al* 12/2009 Mardikar ........... G06Q 20/1085
`705/26.41
`705/71
`
`
`2010/0114773 Al* 5/2010 Skowronek ............ G06Q 20/40
`
`
`2013/0060618 Al* 3/2013 Barton ............... G06Q 20/3223
`705/44
`705/14.23
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`(56)
`
`
`
`References Cited
`
`
`
`U.S. PATENT DOCUMENTS
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`IPR2022-01239
`Apple EX1001 Page 2
`
`

`

`US 10,600,046 B2
`Page 3
`
`(56)
`
`References Cited
`
`2013/0171929 Al*
`
`7/2013 Adams.
`
`U.S. PATENT DOCUMENTS
`
`2013/0173736 Al*
`
`7/2013 Krzeminski
`
`H04W 4/80
`455/41.1
`H04W 12/10
`709/213
`G06Q 20/1085
`705/71
`G05B 1/01
`340/5.65
`H04B 11/00
`455/41.1
`G06Q 20/32
`705/42
`G06Q 20/3672
`235/379
`G06Q 20/32
`705/67
`G06Q 20/40
`705/41
`G06Q 20/382
`705/39
`G06Q 20/3576
`235/492
`G06Q 20/3227
`705/71
`G06Q 20/351
`705/41
`G06Q 20/36
`705/41
`.................. G06F 21/32
`726/5
`G06Q 20/322
`705/41
`
`2013/0060699 Al *
`
`2013/0097031 Al *
`
`2013/0097080 Al *
`
`2013/0103574 Al *
`
`2013/0124349 Al*
`
`2013/0132219 Al*
`
`2013/0138517 Al*
`
`2013/0138518 Al*
`
`2013/0138959 Al*
`
`2013/0140360 Al *
`
`2013/0144731 Al*
`
`2013/0151292 Al*
`
`2013/0151400 Al*
`
`2013/0152185 Al*
`
`2013/0160134 Al*
`
`3/2013 Romagnoli
`
`4/2013 Royyuru
`
`.
`
`4/2013 Smets
`
`4/2013 Conrad
`
`5/2013 Khan
`
`5/2013 Liberty
`
`5/2013 Khan
`
`5/2013 White
`
`G06Q 20/10
`705/44
`G06Q 20/20
`705/16
`....................... G06T 1/20
`705/44
`G06Q 20/36
`705/39
`G06Q 20/36
`705/21
`G06Q 20/202
`705/21
`G06Q 30/00
`705/16
`G06Q 20/204
`705/16
`5/2013 Pelly ....................... H04L 9/083
`713/168
`G06Q 20/322
`235/380
`G06Q 20/20
`705/17
`G06Q 10/02
`705/5
`H04W 12/08
`705/39
`6/2013 Singh ...................... G06F 21/35
`726/9
`G06Q 20/3563
`726/26
`
`6/2013 Graylin
`
`.
`
`6/2013 Baldwin
`
`6/2013 Van Deloo .
`
`6/2013 Makhotin
`
`6/2013 Marcovecchio
`
`2013/0198086 Al*
`
`8/2013 Mardikar
`
`.
`
`2013/0200999 Al *
`
`8/2013 Spodak .
`
`2013/0203345 Al *
`
`8/2013 Fisher
`
`.
`
`2013/0218766 Al*
`
`8/2013 Mueller
`
`2013/0221092 Al*
`
`8/2013 Kushevsky
`
`2013/0226812 Al *
`
`8/2013 Landrok
`
`2013/0246258 Al *
`
`9/2013 Dessert
`
`2013/0254102 Al*
`
`9/2013 Royyuru
`
`.
`
`.
`
`2013/0334318 Al*
`
`12/2013 Wakerly .
`
`2013/0339253 Al*
`
`12/2013 Sincai
`
`2013/0346305 Al*
`
`12/2013 Mendes
`
`2014/0012751 Al*
`
`1/2014 Kuhn
`
`2014/0013406 Al *
`
`1/2014 Tremlet
`
`2014/0095382 Al*
`
`4/2014 Desai .
`
`* cited by examiner
`
`IPR2022-01239
`Apple EX1001 Page 3
`
`

`

`U.S. Patent
`
`Mar.24,2020
`
`Sheet 1 of 22
`
`US 10,600,046 B2
`
`Payment Network
`
`102
`
`Payment Authorization Request
`
`Smart Bill Payment Gateway
`
`Payment info with
`electronic bill
`
`Personal NFC device
`with wallet software
`
`110
`
`104
`Payment Authorization
`Response
`
`POS with contactless 106
`reader OR NFC device with
`SE (such as Mobile POS)
`
`Signed electronic bill
`
`Contactless smart
`card (or secure
`element in NFC
`devices) with smart
`bill applet
`108
`
`Electronic bill
`
`FIG. 1A
`
`IPR2022-01239
`Apple EX1001 Page 4
`
`

`

`U.S. Patent
`
`Mar.24,2020
`
`Sheet 2 of 22
`
`US 10,600,046 B2
`
`120
`
`Merchant POS prepares an electronic bill and writes to a
`smart bill applet on his contactless smart card or SE on NFC
`device
`
`'1,
`Customer service delivers the contactless smart bill card (or
`SE) to customer
`
`t
`
`Customer with NFC device installed with a smart bill enabled
`wallet application retrieves the electronic bill signed by the
`smart bill applet
`
`t
`
`Electronic bill is displayed on the NFC device screen for
`customer to verify the amount and add a tip if he wishes
`
`t
`
`Customer can choose a payment method that he has enrolled
`in his wallet application to initiate the payment
`
`t
`
`Smart bill enabled application sends the transaction information
`to the backend smart bill gateway for processing
`
`t
`
`Smart bill gateway verifies the electronic bill and rejects if the
`payment amount is less than the billed amount.
`
`'1,
`Smart bill gateway uses the traditional financial payment network
`flow to send payment request and get payment response. It also
`can use new online payment method such as Paypal or Alipay to
`complete transaction.
`
`1 22
`
`12 4
`
`12
`6
`
`1 28
`
`1 30
`
`1 32
`
`134
`
`136
`
`t
`
`Once the transaction is approved or denied, the payment
`authorization response will return to the payment gateway to be
`forwarded back to the merchant
`
`1 38
`
`FIG. 1B
`
`IPR2022-01239
`Apple EX1001 Page 5
`
`

`

`0 ....
`('D .....
`rJJ =(cid:173)
`
`~
`
`('D
`
`N
`N
`
`0
`N
`0
`N
`
`N ......
`~ :-:
`~
`
`~ = ~
`
`~
`~
`~
`•
`00
`
`e •
`
`202
`
`Providers
`
`Management
`
`App
`
`Providers
`
`Mobile Platform
`
`200
`
`208
`
`/
`Providers
`Element
`Secure
`
`0--, = N
`... = 0--, = = = ~
`
`"'""'
`d r.,;_
`
`FIG. 2A
`
`Providers
`
`Management
`·,\··.,. Device
`
`·· ......
`
`·· ......
`.
`·· .......
`
`·· ......
`
`·· .....
`
`210
`
`Providers
`Service
`
`204
`Developers
`App i/
`
`_i
`
`/
`/
`//
`
`I
`I
`I
`;/'
`.f
`
`Retailers
`Merchants/
`
`·~-~-~-~
`
`...
`
`Operators--.. ··,.,
`
`__ .. /
`
`,././/
`
`II
`if
`/
`I 206
`Elements
`Secure
`
`\\.!-
`
`\\
`\
`
`\ \
`
`Subscribers
`
`Users/
`
`212
`
`Institutions
`Financial
`
`IPR2022-01239
`Apple EX1001 Page 6
`
`

`

`0--, = N
`0--, = = = ~
`'"=
`"'""'
`d r.,;_
`
`0 ....
`('D ..... ...
`rJJ =(cid:173)
`
`('D
`
`N
`N
`
`'" ...
`N
`~ :-:
`~
`
`0
`N
`0
`N
`
`~ = ~
`
`~
`~
`~
`•
`00
`
`e •
`
`246
`
`244
`
`the identified mobile device
`
`the status of the application with
`Notify the application provider of
`
`being provisioned
`
`Prepare data for the application
`
`with the SE using installed SSD
`
`Establish a secured channel
`
`FIG. 2B
`
`234
`
`with the SE using derived ISO
`Establish a secured channel
`
`No
`
`228
`
`Identify the issuer
`
`or reminder the user
`Go to 11 0 of FIG. 1 B
`
`identifying the application to the server
`Retrieve device info and send it with I
`
`232
`
`242
`
`Install SSD
`
`with a dedicated server (e.g., a TSM) I 226
`Establish a communication channel
`
`224
`
`220
`
`START
`
`IPR2022-01239
`Apple EX1001 Page 7
`
`

`

`U.S. Patent
`
`Mar.24,2020
`
`Sheet 5 of 22
`
`US 10,600,046 B2
`
`0
`LO
`N
`
`.,
`0
`V1
`-----------------,------- --------------,:;tj-
`J
`.w.
`ru , __
`w
`0 ... ,
`
`v......
`
`i,::,;
`
`,..,
`:::,
`f:•_;,
`Cl
`Vi
`l/J
`d)
`.t:!
`e:;
`i:::
`CJ
`•'• ,,
`--------------u,-
`Ci
`,.t:,
`
`IPR2022-01239
`Apple EX1001 Page 8
`
`

`

`U.S. Patent
`
`Mar.24,2020
`
`Sheet 6 of 22
`
`US 10,600,046 B2
`
`LO
`LO
`N
`
`··•··•··~,.;
`it
`~ , ..
`""
`"" " 'ti
`¢. •>
`
`is:
`
`;
`··u
`
`""'"""'"'""'"'"'""'"c:::l··
`
`:i ,, , ... ~
`.2
`"'
`'ti
`~ s:.
`
`,i,.
`
`• .•....
`
`!
`
`IPR2022-01239
`Apple EX1001 Page 9
`
`

`

`0--, = N
`0--, = = = ~
`'"=
`"'""'
`d r.,;_
`
`0 ....
`-....J
`('D .....
`rJJ =- ('D
`
`N
`N
`
`'" ...
`N
`~ :-:
`~
`
`0
`N
`0
`N
`
`~ = ~
`
`~
`~
`~
`•
`00
`
`e •
`
`FIG. 2E
`
`END
`
`274
`
`272
`
`SE sends back an acknowledgement
`
`SE proceeds by disabling the application
`
`270
`
`the SE that locks the identified application
`The device initiates an operation request to
`
`send a command (APDU) to the device
`
`Identify a particular application and
`
`268
`
`No
`
`Send a push message to a device
`
`264
`
`260
`
`START
`
`IPR2022-01239
`Apple EX1001 Page 10
`
`

`

`0--, = N
`0--, = = = ~
`'"=
`"'""'
`d r.,;_
`
`0 ....
`('D .....
`rJJ =(cid:173)
`
`QO
`
`('D
`
`N
`N
`
`'" ...
`N
`~ :-:
`~
`
`0
`N
`0
`N
`
`~ = ~
`
`~
`~
`~
`•
`00
`
`e •
`
`280
`
`FIG. 2F
`
`208
`
`Emulator
`
`~ on GP with ~
`
`Password 286
`Access to MF
`
`e-purse ~ Applet Built
`
`e-purse
`
`284
`
`MIDlet
`
`; Manager..:
`
`Device
`Portable
`
`282
`
`{
`
`I l
`
`Card Protocol
`Single Functional :
`
`I
`I
`
`I
`
`Protocol
`Smart Car,d
`
`:
`
`Enclosed Environment
`Transportation) in an
`(e.g., Stores or
`Land-based Commerce
`Existing Hardware for
`
`294
`
`.. on PC
`
`Web Agent
`
`[][]
`
`2
`
`!
`
`I Contactless Reader 296 I
`/4mmer~
`
`I
`I
`I
`
`I
`
`: Contactless Interface
`/
`
`288
`
`ce
`
`m-commer
`
`~
`
`~
`
`and Servers
`Payment Network
`
`290
`
`IPR2022-01239
`Apple EX1001 Page 11
`
`

`

`0--, = N
`0--, = = = ~
`'"=
`"'""'
`d r.,;_
`
`FIG. 3A
`
`0 ....
`1,0
`('D ......
`rJJ =(cid:173)
`
`('D
`
`N
`N
`
`314
`
`Emulator
`
`Applet 312
`e-purse
`
`311
`
`Card Manager
`
`-----------------------~
`
`I
`I
`
`310
`
`Reader
`
`Con tactless
`
`'" ...
`N
`~ :-:
`~
`
`0
`N
`0
`N
`
`308
`SAM
`
`Existing
`
`Server 304
`Application
`
`Personalization
`
`306 ----
`
`SAM
`New e-purse
`
`~ = ~
`
`~
`~
`~
`•
`00
`
`e •
`
`302
`
`Personnel
`Authorized
`
`300
`
`IPR2022-01239
`Apple EX1001 Page 12
`
`

`

`U.S. Patent
`
`Mar.24,2020
`
`Sheet 10 of 22
`
`US 10,600,046 B2
`
`N
`...--
`M
`
`(I)
`Cl)
`....,
`:, -
`(I)
`I...
`Cl. Cl.
`I Q_
`(I) <(
`
`s::j"'
`...--
`I...
`....,
`0 M
`ro
`:,
`E
`w
`
`...--
`...--
`'-M
`(I)
`0)
`ro
`C
`ro
`~
`""O
`I... ro
`0
`
`0)
`.S ~ co
`1i5 <( 0
`·x (j) C0
`w
`
`(I) c.o
`Cl) 0
`I... C0
`:,
`Cl.
`I
`(I)
`3!:~
`(I) <(
`z (j)
`
`IPR2022-01239
`Apple EX1001 Page 13
`
`

`

`0--, = N
`0--, = = = ~
`'"=
`"'""'
`d r.,;_
`
`0 ....
`....
`....
`('D .....
`rJJ =(cid:173)
`
`('D
`
`N
`N
`
`'" ...
`N
`~ :-:
`~
`
`0
`N
`0
`N
`
`~ = ~
`
`~
`~
`~
`•
`00
`
`e •
`
`368 FIG. 3C
`
`Set thee-purse to a state of "personalized"
`
`END
`
`362
`
`360
`
`358
`
`364
`
`between the existing SAM and an e-purse applet in the device
`Generate MF passwords via an existing SAM and the tag ID
`
`I
`
`between the existing SAM and the emulator
`
`Generate transformed keys of an emulator via the existing SAM and the tag ID
`
`between an existing transportation SAM and an e-purse applet in the device
`
`Use application security domain to establish a security channel
`
`Generate e-purse operation keys and pins between the new e-purse SAM
`
`and an e-purse applet in the device
`
`356
`
`between an new e-purse SAM and an e-purse applet in the device
`
`Use application security domain to establish a security channel
`
`350
`
`Read off a tag ID from the card +--354
`
`Initiate personalization +----352
`
`START
`
`IPR2022-01239
`Apple EX1001 Page 14
`
`

`

`0--, = N
`0--, = = = ~
`'"=
`"'""'
`d r.,;_
`
`FIG. 4A
`
`414
`
`Receive a response from the bank
`
`412
`
`request to a sponsoring bank, if verified
`
`Verify a corresponding account and initiate a fund transfer
`
`0 ....
`N
`....
`('D .....
`rJJ =(cid:173)
`
`('D
`
`N
`N
`
`'" ...
`N
`~ :-:
`~
`
`0
`N
`0
`N
`
`~ = ~
`
`~
`~
`~
`•
`00
`
`e •
`
`408
`
`406
`
`E-purse composes a response to the midlet
`
`MIDlet sends a request toe-purse applet
`
`404
`
`PIN to access the purse manager
`Initiate a request via a midlet after entering valid
`
`400
`
`402
`
`START
`
`IPR2022-01239
`Apple EX1001 Page 15
`
`

`

`0--, = N
`0--, = = = ~
`'"=
`"'""'
`d r.,;_
`
`0 ....
`....
`('D .....
`rJJ =- ('D
`
`~
`
`N
`N
`
`'" ...
`N
`~ :-:
`~
`
`0
`N
`0
`N
`
`~ = ~
`
`~
`~
`~
`•
`00
`
`e •
`
`FIG. 4B
`
`+
`
`END
`
`22
`
`~
`
`--
`
`after the ADPU response is retained for late verification
`
`Generate a successful status message for midlet
`
`+
`
`in a network request to the payment server
`
`Generates a ticket to the midlet that formulates an APDU response
`
`+
`
`~
`
`to the emulator and updates a transaction log
`
`E-purse verifies the APDU authenticity and sends commands
`
`+
`
`418
`
`I Mid let strip and extract APDU commands and send them to the e-purse i
`
`i
`
`I Forward the response embedded in a network message
`
`~
`
`IPR2022-01239
`Apple EX1001 Page 16
`
`

`

`U.S. Patent
`
`Mar.24,2020
`
`Sheet 14 of 22
`
`US 10,600,046 B2
`
`N
`'q"
`'q"
`
`0
`'q"
`'q"
`
`0)
`C
`T5
`C,::c.
`CO C
`.S co
`LL CO
`
`.::c.
`,_
`0
`~
`(I) ~
`z (I)
`..... >
`,_
`C
`(I)
`(I)
`E Cf)
`>--o
`CO C
`0... co
`
`'q"
`'q"
`'q"
`
`:a:
`<(
`Cf)
`
`,_
`.9 co
`:::i
`E
`w
`
`(D
`CV)
`'q"
`
`(I) en .....
`,_
`(I)
`:::i-a. a.
`I Q.
`(I) <(
`
`,_
`(I) g .....
`~ co (I)
`0
`::JC
`a. co -
`()} :a: :a:
`
`'q"
`CV)
`'q"
`
`N
`CV)
`'q"
`
`,_
`"O
`(I)
`C en
`w ::,
`
`IPR2022-01239
`Apple EX1001 Page 17
`
`

`

`-..=
`"'""'
`d r.,;_
`
`0--, = N
`0--, = = = ~
`
`FIG. 5A
`
`529
`
`Secured Element
`
`Emulator 528
`
`Application Applet 527
`
`GP Card Manager 526
`
`~--·-·-·-·-·-·-·-·-·-·-·'-·•·-·-·-·-·-·-·-·-·-·-·-·-·-·-·-·-·-·-·-·-·-·-·-·-·-·-·-·
`
`•
`
`0 ....
`....
`('D ......
`rJJ =(cid:173)
`
`N
`N
`
`Ul
`
`('D
`
`'" ...
`N
`~ :-:
`~
`
`0
`N
`0
`N
`
`~ = ~
`
`~
`~
`~
`•
`00
`
`e •
`
`· ,Communications
`'
`( ,( __ ~-e11_~1_a!~.
`_ _ _ )
`~
`
`Network 520
`
`I
`
`Application SAM 517
`
`GP SAM 516
`
`Servers 514
`
`Service Providers
`
`500
`
`506
`
`Repository
`
`Midlet
`
`Application
`
`,'
`
`.,,,,,,..,,
`
`504
`
`Repository
`
`Applet
`
`Application
`
`518
`
`Channel
`Secured
`
`512
`
`Directory Server
`
`502
`
`Repository
`Directory
`
`Baseband 524
`
`Application Midlet 523
`
`'f
`/ Device
`Portable
`
`530
`
`Service Manager. 522
`
`I
`
`I
`
`IPR2022-01239
`Apple EX1001 Page 18
`
`

`

`0--, = N
`0--, = = = ~
`'"=
`"'""'
`d r.,;_
`
`FIG. 5B
`
`529
`
`Secured Element
`
`Emulator 528
`
`0 ....
`O'I
`....
`('D .....
`rJJ =(cid:173)
`
`('D
`
`N
`N
`
`'" ...
`N
`~ :-:
`~
`
`0
`N
`0
`N
`
`~ = ~
`
`~
`~
`~
`•
`00
`
`e •
`
`Application SAM 517
`
`,~
`
`GP SAM 516
`
`Servers 514
`
`Service Providers
`
`512
`
`Directory Server
`
`540
`
`506
`
`Repository
`
`Midlet
`
`504
`
`Repository
`
`Applet
`
`502
`
`Repository
`Directory
`
`Application MIDlet 523
`
`Service Manager 522
`
`524
`
`Baseband
`
`{530
`
`Device
`Portable
`
`,/\
`
`, ,
`
`;
`
`;
`
`; ,
`
`Application Applet 527
`
`.... GP Card Manager 526
`~i:::..::
`:..-~
`
`::':_-:..
`
`1•'channel519
`/ Secured
`
`534
`
`Reader
`
`Contactless
`
`~--~--
`
`Manager 532
`Service
`
`Computer 538
`
`IPR2022-01239
`Apple EX1001 Page 19
`
`

`

`0--, = N
`0--, = = = ~
`'"=
`"'""'
`d r.,;_
`
`0 ....
`-....J
`....
`('D .....
`rJJ =- ('D
`
`N
`N
`
`'" ...
`N
`~ :-:
`~
`
`0
`N
`0
`N
`
`~ = ~
`
`~
`~
`~
`•
`00
`
`e •
`
`FIG. 5C
`
`]
`
`END
`,,.
`
`[
`
`I Download application MIDlets 7
`
`,,,
`
`............ -8
`
`and emulator if needed
`
`Personalize the downloaded applets
`
`,,.
`
`-5
`
`services/applications (applets)
`Download and install selected .--
`
`,,
`
`-....-5
`
`--
`
`listing based on subscription
`Provide services/applications
`
`,,,
`
`550
`
`552
`
`~
`
`Send a service request
`
`I
`
`,,,
`
`]
`
`START
`
`[
`
`IPR2022-01239
`Apple EX1001 Page 20
`
`

`

`0--, = N
`0--, = = = ~
`'"=
`"'""'
`d r.,;_
`
`FIG. 6A
`
`0 ....
`....
`('D ......
`rJJ =(cid:173)
`
`QO
`
`('D
`
`N
`N
`
`'" ...
`N
`~ :-:
`~
`
`0
`N
`0
`N
`
`~ = ~
`
`~
`~
`~
`•
`00
`
`e •
`
`630
`
`-/,
`/Device
`
`Portable
`
`600
`
`639
`
`transaction
`real time
`
`Device 636
`
`Enabled
`e-token
`l
`:
`1---
`
`POS SAM 628
`
`629
`
`Secured Element
`
`-·-·-·-·-·-'-·-·-·-·-·-·-·-·-·-·-·-·-·-·-·-·-·-·-·-·-·-·-·-·-
`
`624
`
`POS Manager 623
`
`Baseban~
`
`f-------------------------_,
`:
`I :.---
`:
`
`618
`
`Channel
`Secured
`
`I
`
`'-----------------------------
`
`I
`
`(_ N~twork 520
`(' Co~munications
`
`•
`
`I
`I
`!
`I
`
`operation
`or batch
`transaction
`real time
`
`\ Cellular
`
`I
`
`,
`
`Server 613
`
`POS Transaction
`
`IPR2022-01239
`Apple EX1001 Page 21
`
`

`

`---=
`"'""'
`d r.,;_
`
`0--, = N
`0--, = = = ~
`
`FIG. 6B
`
`529
`
`Secured Element
`
`0 ....
`....
`('D ......
`rJJ =(cid:173)
`
`1,0
`
`('D
`
`N
`N
`
`'" ...
`N
`~ :-:
`~
`
`0
`N
`0
`N
`
`~ = ~
`
`~
`~
`~
`•
`00
`
`e •
`
`624
`
`Baseband
`
`630
`
`-I-
`/Device
`
`Portable
`
`Server 613
`
`.-P-O_S_T_ra_n_s_a_c-tio_n_
`
`---,
`
`619
`
`,) /
`
`-----)
`
`Channel
`Secured
`
`640
`
`POS SAM 628
`
`POS Manager 623
`
`'•
`
`',,,
`',,
`
`\
`
`~,
`
`--
`
`\
`
`\
`
`634
`
`Reader
`
`Contactless
`
`I
`
`I
`I
`I
`I
`I
`
`521
`
`Network
`
`
`(cid:141),
`
`(
`
`I
`✓'
`
`,
`
`I ,
`
`633
`POSAgent
`
`, ,/_,-'C Public Domain
`
`---------------
`
`--(----
`
`Computer 638
`
`IPR2022-01239
`Apple EX1001 Page 22
`
`

`

`0--, = N
`0--, = = = ~
`'"=
`"'""'
`d r.,;_
`
`0 ....
`
`N
`N
`
`0
`N
`('D .....
`rJJ =(cid:173)
`
`('D
`
`FIG. 6C
`
`END
`
`662
`
`(each transaction or in batch)
`
`Upload transactions to backend server
`
`660
`
`Deduct purchased amount from e-token
`
`no
`
`'" ...
`N
`~ :-:
`~
`
`0
`N
`0
`N
`
`658
`
`or virtual top-up
`Perform a top-up
`
`END
`
`~ = ~
`
`~
`~
`~
`•
`00
`
`e •
`
`---r---652
`
`Retrieve an e-token from a purchaser
`
`650
`
`START
`
`IPR2022-01239
`Apple EX1001 Page 23
`
`

`

`0--, = N
`0--, = = = ~
`'"=
`"'""'
`d r.,;_
`
`FIG. 6D
`
`686
`
`END
`
`MACs for transaction verification and settlement
`
`1 R~eive debit confirm message including additional 1
`
`t
`
`1
`
`682
`
`0 ....
`N ....
`('D .....
`rJJ =(cid:173)
`
`('D
`
`N
`N
`
`has recorded the transaction
`
`Display transaction after POS SAM
`
`POS SAM for verification
`
`Forward the debit confirm message to
`
`684
`
`I
`
`enabled device to debit e-token
`Send the debit request to e-token
`
`MAC from POS SAM
`
`680
`
`Receive a debit request containing a
`'-
`
`y
`
`678 ---.._
`
`I
`
`token enabled device to POS SAM
`
`Forward the received response from the e(cid:173)
`
`yes
`
`676
`
`'" ...
`N
`~ :-:
`~
`
`0
`N
`0
`N
`
`~ = ~
`
`~
`~
`~
`•
`00
`
`e •
`
`END
`
`enabled device?
`
`in e-token
`
`Enough balance
`
`674
`
`token enabled device of a purchaser
`Send an initial purchase request to e(cid:173)
`
`672
`
`670
`
`START
`
`IPR2022-01239
`Apple EX1001 Page 24
`
`

`

`--=
`"'""'
`d r.,;_
`
`0--, = N
`0--, = = = ~
`
`FIG. 7
`
`734
`
`Reader
`Check-in
`
`Gate
`
`710
`
`Application
`Ticketing
`Online
`
`purchasing
`\
`
`ticket
`
`: ________________ :
`:
`: Reservation
`: Box Office
`1----------------1
`
`System
`
`716
`
`I
`I
`
`I
`
`:
`:
`
`I
`
`I
`
`:
`-------------.,
`
`: Credit/Debit
`,-
`
`L---------------~
`:
`.. .Jf: System
`
`714
`
`0 ....
`
`('D ....
`rJJ =(cid:173)
`
`('D
`
`N
`N
`
`N
`N
`
`'" ...
`N
`~ :-:
`~
`
`0
`N
`0
`N
`
`~ = ~
`
`~
`~
`~
`•
`00
`
`e •
`
`700
`
`e-purse 724
`
`and delivery
`
`ticket purchase
`
`e-commerce
`
`and delivery ~ /
`
`··-··-··-~
`
`Provider 720
`e-ticket Service
`J(
`
`ticket purchase
`m-commerce
`
`./
`
`/
`
`/
`
`/
`
`/
`"'/
`
`"-
`payment
`
`718
`SAM
`
`+---.i
`
`secured element 726
`
`730 ~ I e-ticket stored onto I
`
`Device
`Portable
`
`IPR2022-01239
`Apple EX1001 Page 25
`
`

`

`US 10,600,046 B2
`
`1
`METHOD AND APPARATUS FOR MOBILE
`PAYMENTS
`
`CROSS-REFERENCE TO RELATED
`APPLICATIONS
`
`This application is a continuation of U.S. patent applica(cid:173)
`tion Ser. No. 13/853,937 filed on Mar. 29, 2013, now U.S.
`Pat. No. 9,047,601 issued on Jun. 2, 2015.
`
`BACKGROUND OF THE INVENTION
`
`1. Field of the Invention
`
`The present invention is generally related to the area of
`electronic commerce. Particularly, the present invention is
`related to a mobile device configured to settle payments
`using a mobile device reading electronic bills or invoices off
`from another mobile device in a near field communication
`range.
`
`2. The Background of Related Art
`
`For many credit or debit card transactions, the payment
`process is started by a customer asking for a bill when
`checking out a purchase. A cashier or service member brings
`a bill to the customer for verification. The customer then
`hands out a credit/debit card to the service member. The
`service member brings the card to a Point of Sales (POS)
`counter to initiate a transaction payment. The service mem(cid:173)
`ber then brings back a receipt to the customer for signature
`It is a lengthy process that
`to authorize the transaction.
`typically takes a couple of minutes or much longer when the
`service member has to take care of multiple payment trans(cid:173)
`actions at a time. In addition, in the case for the debit card
`transactions, the process may be even more troublesome
`when a PIN is needed to authorize the transaction at the
`POS.
`There is a need to simplify the payment process. With the
`advancement in mobile devices, it is anticipated that many
`consumers will carry one with them. Thus there is an
`opportunity of using a mobile device to quickly settle the
`payment at a point of sale (POS).
`
`SUMMARY OF THE INVENTION
`
`This section is for the purpose of summarizing some
`aspects of the present invention and to briefly introduce
`some preferred embodiments. Simplifications or omissions
`may be made to avoid obscuring the purpose of the section.
`Such simplifications or omissions are not intended to limit
`the scope of the present invention.
`The present invention is related to techniques for mobile
`devices configured to support settlement of charges in elec(cid:173)
`tronic invoices or bills. According to one aspect of the
`present invention, a mobile device embedded with a secure
`element generates or is loaded with an electronic invoice.
`When the mobile device is brought to a consumer with an
`NFC mobile device, the data including the electronic invoice
`and other information regarding the mobile device or an
`owner thereof is read off wirelessly into the NFC mobile
`device. After the user verifies the amount being charged and
`authorizes the payment, the NFC mobile device communi(cid:173)
`cates with a payment gateway or network for payment that 65
`is configured to proceed with the payment in accordance
`with a chosen payment method.
`
`15
`
`2
`According to another aspect of the present invention, the
`mobile device is a contactless card or part of a point of sale
`(POS) machine used to generate the electronic invoice. One
`embodiment of the present invention provides unanticipated
`5 benefits and advantages in an application in which a pay(cid:173)
`ment process would otherwise have to be involved in more
`than one contacts between a merchant and the consumer.
`One of such applications is a payment process in a restau(cid:173)
`rant, where a consumer is given a check first for verification
`10 and a chance to add a gratitude before a final charge is
`determined and paid. Using the NFC mobile device, the
`consumer can finish the payment using a chosen payment
`method at the point of sale without further contacting the
`merchant.
`According to still another aspect of the present invention,
`a consumer uses his/her mobile device, per the data received
`therein, to settle the payment process with a payment
`network, where the payment network may be an existing
`payment infrastructure ( e.g., money transfer or credit card/
`20 debit). A payment response is sent to the merchant once a
`payment is delivered to a designated account by the mer(cid:173)
`chant.
`According to still another aspect of the present invention,
`the mobile device being used by the consumer is itself an
`25 electronic purse. Thus the consumer operates his/her mobile
`device to settle the charge once the electronic invoice is
`received and displayed thereon.
`According to still another aspect of the present invention,
`the mobile device used by the consumer is a near field
`30 communication (NFC) device and being part of a mobile
`payment ecosystem in which various parties work with each
`other in order for the mobile payment ecosystem successful.
`Via a server (e.g., implemented as a manager) configured to
`provide what is referred to herein as Trusted Service Man-
`35 agement (TSM), the secure element in the mobile device can
`be remotely personalized and various applications or mod(cid:173)
`ules can be downloaded, updated, managed or replaced after
`they are respectively provisioned via the Trusted Service
`Manager (i.e., the TSM server). One of the modules being
`40 installed in the POS machine or an NFC device used by the
`merchant is referred to as Smart Bill Payment. The module
`is configured to facilitate the communication between the
`merchant (its device) and the user (his/her mobile device)
`and the data exchange therebetween, where the mobile
`45 device being used by the user is installed with a correspond(cid:173)
`ing application related to Smart Bill Payment.
`One important features, advantages and benefits in the
`present invention is to facilitate the settlement of charges
`using an NFC mobile device to read off data pertaining to an
`50 electronic invoice. The present invention may be imple(cid:173)
`mented as a single device, a server, a system or a part of
`system. It is believed that various implementations may lead
`to results that may not be achieved conventionally.
`According to one embodiment, the present invention is a
`55 method for settling a payment, the method comprises: pro(cid:173)
`viding a software module to be executed in a first mobile
`device embedded with a secure element, wherein the secure
`element has been personalized and the software module is
`provisioned with the personalized secure element, the first
`60 mobile device is configured to include data pertaining to an
`electronic
`invoice; receiving a payment request from a
`second mobile device after a user of the second mobile
`device authorizes the payment to the electronic invoice
`transported wirelessly from the first mobile device, wherein
`the second mobile device is a near-field communication
`device and is configured to execute an application that
`communicates with the software module in the first mobile
`
`IPR2022-01239
`Apple EX1001 Page 26
`
`

`

`US 10,600,046 B2
`
`3
`device to read the data off from the first mobile device;
`verifying
`the payment request; and sending a payment
`response to a user of the first mobile device after the
`payment request is processed. In the embodiment, the sec(cid:173)
`ond mobile device includes a display screen and is caused to 5
`display the electronic invoice when the data is in the second
`mobile device.
`According to another embodiment, the present invention
`is a gateway provided for settling a payment, the gateway
`may include a server or a collection of servers. The gateway
`comprises a portal providing a software module to be
`downloaded and executed in a first mobile device embedded
`with a secure element, wherein the secure e