(12) United States Patent
`Cahill et al.
`
`USOO6535855B1
`US 6,535,855 B1
`Mar. 18, 2003
`
`(10) Patent No.:
`(45) Date of Patent:
`
`(54) PUSH BANKING SYSTEM AND METHOD
`(75) Inventors: Thomas Cahill, Newton, NJ (US);
`Steven Chabra, New York, NY (US);
`Vincent Clowney, Chatham, NY (US);
`John Cowan; Thomas Fitzgerald, both
`of New York, NY (US); Louis Fuertes,
`Westport; Lloyd O'Connor, Canaan,
`both of CT (US); Randy Schafer, New
`York; Richard O. Schmidt,
`Huntington, both of NY (US); Fred
`Slavin, Manalapan, NJ (US); Leonid
`Vayner, Brooklyn, NY (US);
`Christopher P. Westerman,
`Ridgewood, NJ (US); Janet Wynn,
`New York; Wil Velarde, Brooklyn, both
`of NY (US)
`(73) Assignee: The Chase Manhattan Bank, New
`York, NY (US)
`Subject to any disclaimer, the term of this
`patent is extended or adjusted under 35
`U.S.C. 154(b) by 0 days.
`
`(*) Notice:
`
`(21) Appl. No.: 09/052,777
`(22) Filed:
`Mar. 31, 1998
`Related U.S. Application Data
`(60) Provisional application No. 60/067.987, filed on Dec. 9,
`1997.
`(51) Int. Cl. ................................................ G06F 17/60
`(52) U.S. Cl. ........................... 705/1; 340/540; 340/679;
`340/870.01; 340/870.16
`(58) Field of Search ................................ 705/35, 1, 40,
`705/76, 50, 709/200, 217; 340/540, 679,
`870.01, 870.16
`
`(56)
`
`References Cited
`U.S. PATENT DOCUMENTS
`
`1/1984 Kawasaki .................... 369/21
`4,426,691 A
`4,855,906 A 8/1989 Burke ......................... 707/10
`(List continued on next page.)
`
`FOREIGN PATENT DOCUMENTS
`
`EP
`JP
`WO
`WO
`WO
`WO
`
`12/1996
`O747844
`* 11/1994
`O6-324100
`10/1994
`WO9423537
`7/1997
`WO9727546
`1/1998
`WO98O3O16
`9/1998
`98.38558
`OTHER PUBLICATIONS
`American Banker, “Push Pull', Oct. 6, 1997.*
`Ilgen; "Expert System as an operator interface for advanced
`controls”; Proceedings of the Industrial Computing Confer
`ence; Sep.1993, Publ by the Industrial Computing Society
`and Industrial Society of Publ by America, pp. 265-276;
`(Abstract Only.*
`Matson et al.: “Ultrasonic flowmeters offer reliable Solution
`to Stack monitoring. (Air Polution Sensing and Monitor
`ing-PArt 5a) (Tutorial)"; I&CS (instrumentation & Control
`Systems); Feb. 1994, v67, nG7, n2, p.67.*
`(List continued on next page.)
`Primary Examiner Edward R. Cosimano
`(74) Attorney, Agent, or Firm-Ostrolenk, Faber, Gerb &
`Soffen, LLP
`ABSTRACT
`(57)
`A Software/hardware System which provides immediate,
`on-going interaction between an institution and its custom
`ers. The System communicates with customerS/Subscribers
`over numerous, different communication channels and
`actively Screens market conditions for Situations that could
`potentially impact its customers, based on the customers
`unique situation and prearranged instructions. The System
`and method interacts with the institution's processing cen
`ters which handle incoming customer transactions and the
`System creates outgoing messages. The System has a deci
`Sion making component used to make the decision in each
`case as to which information to push to the customer in the
`form of a message. The message is delivered to the customer
`via any communication channels presently known. The
`System allows the customer to respond electronically or by
`telephone or by fax or by any means, all of which are
`intended to allow the institution to receive the response
`information from the customer expeditiously and to enable
`the institution to act upon the customer's instructions.
`41 Claims, 61 Drawing Sheets
`
`380
`C
`PUSH
`DOCK1
`
`38b
`?
`PUSH
`DOCK2
`
`C
`s 40
`M
`
`U
`| N
`
`C
`A
`T
`
`O
`
`360
`(
`PUSH
`CHANNEL1
`
`36b
`PUSH
`CHANNEL2
`
`8. -- N HH- d
`
`38n
`C
`PUSH
`DOCK2
`
`A
`! Y
`E
`
`R
`
`36r
`(
`PUSH
`CHANNEN
`
`
`
`
`
`s
`
`14
`Incoming
`Transactions
`
`12
`22c.
`Bank
`Processing
`
`16
`Outgoing
`Tronsactions
`
`Derived
`Analyticol and
`Statistical Dota
`
`Other Bonk
`Information
`(Concentration)
`
`Inforcion
`
`BANK OF AMERICA ET AL. EXHIBIT 1025
`
`Page 1 of 95
`
`

`

`US 6,535,855 B1
`Page 2
`
`U.S. PATENT DOCUMENTS
`
`4,930,071 A 5/1990 Tou et al. ...................... 707/4
`5,167,011 A 11/1992 Priest .....
`... 706/62
`5,177,342 A
`1/1993 Adams ......
`235/379
`5,220,501. A * 6/1993 Lawlor et al.
`... 380/24
`5,259.066 A * 11/1993 Schmidt ....
`... 706/50
`5,262,942 A 11/1993 Earle ......
`... 705/37
`5,412,753 A 5/1995 Alston et al.
`... 706/11
`5,461,624 A 10/1995 MaZZola ..................... 370/402
`5.530,438 A 6/1996 Bickham et al. ....... 340/825.34
`5,586.218 A 12/1996 Allen .......................... 706/12
`5,592,660 A
`1/1997 Yokota et al. .
`... 707/8
`5,615,110 A
`3/1997 Wong ........
`... 705/38
`5,642,419 A * 6/1997 Rosen ...
`... 380/23
`5,655,081 A 8/1997 Bonnell et al.
`... 709/202
`5,673,430 A 9/1997 Story ...........
`... 455/4.2
`5,692,128 A * 11/1997 Bolles et al. ............... 709/224
`5,708.422 A
`1/1998 Blonder et al. ........ 340/825.34
`5,740.231 A * 4/1998 Cohn et al. ....
`... 379/88.22
`5,740,549 A
`4/1998 Reilly et al. .................. 705/14
`5,790.793 A
`8/1998 Higley ............
`... 709/218
`5,793,301 A 8/1998 Patterson, Jr. et al. ... 340/825.26
`5,796,832 A
`8/1998 Kawan ........................ 705/65
`5,828.835 A * 10/1998 Isfeld et al. ................ 709/200
`5,867,153 A 2/1999 Grandcolas et al. ........ 345/326
`5,913,040 A 6/1999 Rakavy et al. .............. 709/232
`5,919.247 A 7/1999 Van Hoff et al. .
`... 709/217
`5,933,816 A
`8/1999 Zeanah et al. ................ 705/35
`5,978,840 A * 11/1999 Nguyen et al. ............. 709/217
`OTHER PUBLICATIONS
`Apply Your Marketing Talent to Promote On-Line Banking,
`Bank Marketing, May 1, 1996, pp. 25-30.
`
`
`
`Roving Software, Inc., Mar. 13, 1998 Turnkey Active Per
`sonalization for Web Commerce at http://www.roving.com/
`home.htm.
`Nations Bank, 1997, web page.
`Meca Software LLC, Dec. 9, 1997 Press Release.
`Press Release Nations Bank, Nov. 7, 1997.
`Press Release Nations Bank, Nov. 10, 1997.
`Article from American Banker, Jan. 31, 1998.
`Information Week, May 19, 1997, p. 63-76, “Browsers for
`E-Mail.
`Information Week, May 5, 1997, p. 198, “Incredible Shrink
`ing Bandwidth”.
`Information Week, Apr. 21, 1997, p. 28, “Netscape adds
`Push Component”.
`Information Week, May 12, 1997, p. 60, “Barnes & Noble
`Ventures Online'.
`Apr. 1997, “Banks Get Pushy'.
`Wired Magazine, Mar. 1997, “Push!”.
`Information Week, Dec. 15, 1997 “Lost in the Translation”
`p. 111.
`Information Week, Dec. 15, 1997, p. 548.52, “Explorer
`Gains Fame'.
`Information Week, undated, "Documents Get a Push'.
`Brochure of Wayfarer Communications, Incisa Product.
`Brochure of Back Web, “Push The Information, the Enter
`prise . . . '
`Advertisement for “Spatch’ by the Hyde Company.
`Information Week, Mar. 2, 1998, p. 30, “Battle Is On To
`Prove Pushes Value.
`* cited by examiner
`
`Page 2 of 95
`
`

`

`U.S. Patent
`
`Mar.18, 2003
`
`Sheet 1 of 61
`
`US 6,535,855 Bl
`
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`U.S. Patent
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`Mar.18, 2003
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`Sheet 2 of 61
`
`US 6,535,855 Bl
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`

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`U.S. Patent
`
`Mar. 18, 2003
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`Sheet 3 of 61
`
`US 6,535,855 B1
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`Page 5 of 95
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`

`

`U.S. Patent
`
`Mar. 18, 2003
`
`Sheet 4 of 61
`
`US 6,535,855 B1
`
`
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`
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`Page 6 of 95
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`

`

`U.S. Patent
`
`Mar. 18, 2003
`
`Sheet 5 of 61
`
`US 6,535,855 B1
`
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`DOCk 1
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`J8b.
`Push
`DOCk 2
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`(
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`36n
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`Filter
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`
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`
`Incoming
`TronsOctions
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`BOnk
`Processing
`
`Outgoing
`TronsOctions
`
`FIG. 4B
`
`Page 7 of 95
`
`

`

`U.S. Patent
`
`Mar. 18, 2003
`
`Sheet 6 of 61
`
`US 6,535,855 B1
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`Page 8 of 95
`
`

`

`U.S. Patent
`
`Mar. 18, 2003
`
`Sheet 7 of 61
`
`US 6,535,855 B1
`
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`30
`
`Push Active Filter
`
`PAF
`DECSION
`COMPONENT
`
`PAF
`COMMUNICATIONS
`COMPONENT
`
`64
`
`
`
`PAF ADMINISTRATION COMPONENT
`66
`
`FIG. 5B
`
`Page 9 of 95
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`

`

`U.S. Patent
`
`Mar. 18, 2003
`
`Sheet 8 of 61
`
`US 6,535,855 B1
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`Trons Octions
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`
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`Error
`HOnder
`
`PAF
`Chonnel
`HOndler
`
`
`
`PAF Security Handler
`
`PAF Communicotions Component
`
`62
`
`58
`
`64
`
`TransOction
`History
`
`Page 10 of 95
`
`

`

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`U.S. Patent
`
`Mar.18, 2003
`
`Sheet 9 of 61
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`US 6,535,855 Bl
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`Page 11 of 95
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`Page 11 of 95
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`

`

`U.S. Patent
`
`Mar.18, 2003
`
`Sheet 10 of 61
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`US 6,535,855 B1
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`

`

`U.S. Patent
`
`Mar.18, 2003
`
`Sheet 11 of 61
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`

`

`U.S. Patent
`U.S. Patent
`
`Mar. 18,2003
`Mar. 18, 2003
`
`Sheet 12 of 61
`Sheet 12 of 61
`
`US 6,535,855 Bl
`US 6,535,855 B1
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`Page 14 of 95
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`Page 14 of 95
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`

`

`U.S. Patent
`
`Mar. 18, 2003
`
`Sheet 13 of 61
`
`US 6,535,855 B1
`
`h
`200 - PuS
`
`Message Direction:
`Server to DOCk
`
`Message Direction:
`Dock to Server
`
`Message Direction:
`Dock to Server
`
`205
`
`21 O
`
`Ack
`
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`
`215
`
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`
`Message Direction:
`Server to Dock
`
`220
`
`Cleanup
`
`Message Direction:
`Server to Dock
`
`Message Direction:
`Dock to Server
`
`Message Direction:
`Dock to Server
`
`230
`
`235
`
`Ack
`
`FU
`
`FIG. 9B
`
`Page 15 of 95
`
`

`

`U.S. Patent
`
`Mar. 18, 2003
`
`Sheet 14 of 61
`
`US 6,535,855 B1
`
`Message Direction:
`DOCK to Server
`
`240
`
`NACK
`
`245
`
`NACK
`
`Message Direction:
`Server to Dock
`
`Message Direction:
`Dock to Server
`
`250
`
`NACK
`
`F.G. 1 O
`
`Page 16 of 95
`
`

`

`U.S. Patent
`
`Mar. 18, 2003
`
`Sheet 15 of 61
`
`US 6,535,855 B1
`
`-
`
`N
`305 y-
`- -
`300 Y
`- Should this N, yes
`Monitor Bank
`Transactions via H- Transaction be >
`the PAF DC
`Y. Pushed 2
`|
`No Y
`M-540
`WOs there Only
`One Chonnel
`AVOiloble Ond WOS >-
`it O One-Woy
`Medium ?
`
`345
`
`End
`
`Yes
`
`
`
`NO
`
`
`
`350
`Woit for Receipt
`Acknowledgment
`
`-1\ 355
`Received Correct
`Acknowledgment >N
`from Chonnel(s)
`
`
`
`
`
`
`
`380
`Record Transmission WOS
`Successful Ond
`Acknowledge by Customer
`362
`For Cleanup Terminote
`PUshes to Other
`C honnel(s) if Necessory
`
`
`
`FIG. 1 1A
`
`Page 17 of 95
`
`

`

`U.S. Patent
`
`Mar. 18, 2003.
`
`Sheet 16 of 61
`
`US 6,535,855 B1
`
`Process the
`Transaction, all
`Pertinent Ond
`Customer's
`Response into
`the Proper Data
`Form0t
`
`
`
`
`
`333
`TrOnsmit Push on
`Appropriate
`Channel(s)
`
`31 O
`
`
`
`
`
`315
`
`Send DOtO to
`the PAFCC
`
`330
`Bosed On Chonnel,
`Modify the Dota
`into the
`Appropriate
`Formot(s)
`
`360
`Retry Bosed on
`Customer's
`Profile
`
`
`
`
`
`320
`Bosed On
`Customer's
`s
`D An
`etermine ine
`Appropriote
`Channel(s)
`
`
`
`
`
`
`
`325
`imbed the Push
`COntent for
`Execution by the
`DOCk
`
`Yes
`
`365
`
`Are There Other
`Chonnels, Thot >
`Weren't Used
`
`383
`
`Did Push Receive
`O Customer
`Reps Onse
`
`Record Tronsmission
`Foiled On these Chonnels
`Customer Record
`
`Send Response to
`the PAF DC for
`Processing
`
`Send Alert Message to
`the Appropriate Push
`Banking Personnel
`FIG 11B 375
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`Page 18 of 95
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`

`

`U.S. Patent
`U.S. Patent
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`Mar.18, 2003
`
`Sheet 17 of 61
`
`US 6,535,855 B1
`US 6,535,855 Bl
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`Page 19 of 95
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`Page 19 of 95
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`

`

`U.S. Patent
`
`Mar. 18, 2003
`
`Sheet 18 of 61
`
`US 6,535,855 B1
`
`
`
`4OO
`
`405
`
`SCOn for
`O Push
`
`Receive
`Push
`
`Did Push Ond
`Dock so tisfy the
`security criterio
`
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`
`N0
`
`415
`
`Send involid
`Push with Error
`Code
`
`436
`
`4.38
`
`440
`
`
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`PrOCess
`Push
`
`Send
`Response with
`Ack Code
`
`FIG. 1 3A-1
`
`Page 20 of 95
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`

`

`U.S. Patent
`
`Mar. 18, 2003
`
`Sheet 19 of 61
`
`US 6,535,855 B1
`
`
`
`42O
`Bind
`DOCk Ond
`Push
`
`425
`Alert Customer
`Display
`Message
`
`450
`
`
`
`Decide to
`Respond
`
`NO
`
`435-
`Authenticotion
`Of PIN
`Sucessful
`
`Yes
`
`End
`
`NO
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`Page 44 of 95
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`U.S. Patent
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`Mar. 18, 2003
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`Sheet 44 of 61
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`Message
`15. Send
`Message to Message for 12. Send
`RespOnse
`Upstream Message for
`Router
`Formotting
`16. Process
`Message
`
`
`
`18. Send Acknowledgement to MessageHondler 19. Delete
`Message
`from
`Message
`Queue
`
`FIG. 25A
`
`Page 46 of 95
`
`

`

`U.S. Patent
`
`Mar. 18, 2003
`
`Sheet 45 of 61
`
`US 6,535,855 B1
`
`1314
`Authenfication
`Hondler
`
`1316
`Decryption
`Hondler
`
`1302
`DOCk
`
`1306
`1310
`Encryption TronsmitReceive
`HOndler
`Hondler
`5. Select
`DOCk Driver
`
`6. Send
`Message
`
`7. Receive
`Message
`
`4. Encrypt Message
`10. Send
`8. Decrypt Message
`Decrypted
`Message
`
`
`
`9. Obtoin
`Key Ond
`Decrypt
`D
`
`11. Authenticote
`-
`Message
`
`20. Send Acknowledgement to MessageHandler
`
`
`
`Confirm Acknowledgement Received (or else re-send)
`
`FIG. 25B
`
`Page 47 of 95
`
`

`

`U.S. Patent
`
`Mar. 18, 2003
`
`Sheet 46 of 61
`
`US 6,535,855 B1
`
`1308
`1320
`-------
`DOwnstreOm
`Transmit |
`Distributor
`Hondler
`1. Receive
`Message
`
`1304
`r------
`Response
`Router
`
`1318
`Upstream
`Handler
`
`1312
`Message
`Hondler
`
`2. SendMessage to Message Hondler
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`14. Send
`Status for
`Upstream
`
`15. Send
`Status to
`Response
`ROuter
`16. Process
`Status
`
`18. Send Acknowledgement to MessageHandler
`21. Send Updote Transaction to MessageHondler
`
`
`
`
`
`
`
`17. Receive
`Acknowledge
`ment
`20. Receive
`Updated
`TronsOction
`
`FIG. 26A
`
`3. Process
`MessOge
`
`13. Process
`Stotus
`
`12. Send
`Stotus for
`Formotting
`
`25. Remove
`Message
`from
`Message
`Queue
`
`Page 48 of 95
`
`

`

`U.S. Patent
`
`Mar. 18, 2003
`
`Sheet 47 of 61
`
`US 6,535,855 B1
`
`1314
`Authentication
`HOndler
`
`1310
`1506
`1316
`Decryption ||Encryption TronsmitReceive
`Hondler
`Hondler
`Hondler
`5. Select
`DOCk Driver
`
`
`
`1302
`DOck
`
`6. Send
`Message
`7. Receive
`Stotus that
`Message
`WOS
`Received
`Ond not
`Viewed by
`Customer
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`4. Encrypt MessOge
`10. Send
`Decrypted
`St Otus
`
`
`
`
`
`11. Authenticote
`Status
`
`8. DeCrypt Stof
`ecrypt STOTUS
`9. Obtoin
`Key and
`Decrypt
`
`22. Repeot Steps 3-6
`
`24. Repeat Steps 7-18
`
`FIG. 26B
`
`Page 49 of 95
`
`

`

`U.S. Patent
`U.S. Patent
`
`Mar. 18, 2003
`Mar.18, 2003
`
`Sheet 48 of 61
`Sheet 48 of 61
`
`US 6,535,855 B1
`US 6,535,855 Bl
`
`Ccbly
`
`Kayuoid{sou7
`
`
`
`
`
`
`
`Birt
`
`8 | 7 ||
`
`
`
`uol}dAsou
`
`JauJofUl
`
`19||01,U0IAJ0J9D{XZaSuodsay||sajpudpyabossay||1eAlaay/J94fIWSUD|
`veri9lrlOch8041
`
`
`
`JamalANYjajddyAnjdsiguoldkis0gP-Olvl
`Zbl}sayyowso4||UoHouojulwayshs
`
`£6Oldma
`07hZ0r1
`
`
`
`
`
`sabossayysnd
`
`JaMaiAoiddy
`
`
`
`<OWl}paulwiajapad
`
`
`
`Sa}DAILY‘UOWaD(-
`
`
`
`Jamal,jalddy
`
`
`
`
`
`{Ds{jod)ysngjsnws-
`
`(Uol}dauU0)jDIISAYd)
`
`
`
`WaPoWSSajadiM-
`
`
`
`WaPo;pud]-
`
`UOIJIOUUOD
`
`
`
`UOlJIIULO)YOMJaN-
`
`(1)49u94s1)
`
`Page 50 of 95
`
`
`
`
`
`<d[{92up>ysngandy-
`
`Page 50 of 95
`
`
`

`

`U.S. Patent
`
`Mar. 18, 2003
`
`Sheet 49 of 61
`
`US 6,535,855 B1
`
`1. Received
`Encryption
`XML
`2A. LOOd
`
`A.
`
`3. Send Encrypted XML
`
`4A. Refreive
`Ke
`y
`
`4B. Decrypt
`PIN
`
`8. Decrypt
`Message
`
`9. Mote
`Message with
`Applet
`
`
`
`
`
`
`
`
`
`
`
`
`
`18. Send Response
`to Chose
`
`19. Receive
`COnfirmotion
`
`
`
`14. SendMessage to MessageHondler
`15. Process
`Response
`
`17. Store Response in
`Push Message Queue
`-
`
`FIG. 28A
`
`Page 51 of 95
`
`

`

`U.S. Patent
`
`Mar. 18, 2003
`
`Sheet 50 of 61
`
`US 6,535,855 B1
`
`
`
`
`
`
`
`
`
`
`
`
`
`Display Applet
`
`ResponseExtrator Encryption
`
`GUViewer
`
`2B. Notify Customer of Incoming Message
`
`6A. Wolidote
`PIN
`
`
`
`
`
`
`
`
`
`5. Send PIN
`7. PIN Accepted
`
`11. Obtain
`Response
`
`12. FOrmot
`Response into
`XML
`
`
`
`15. Send
`Message
`H -
`
`16. Encrypt Response
`
`
`
`21. Disploy
`Confirmotion
`
`20. Send Confirmation
`FIG. 28B
`
`Page 52 of 95
`
`

`

`U.S. Patent
`
`Mar. 18, 2003
`
`Sheet 51 of 61
`
`US 6,535,855 B1
`
`Received
`Encryption
`XML
`2A. Lood
`AppletViewer
`
`3A. Determine
`4A. Retreive
`Priority of each
`Key
`Message
`3B. SendMessage |-
`with Highest Priority
`4B. Decrypt
`PIN
`-
`
`
`
`
`
`
`
`
`
`
`
`
`
`8. Decrypt
`Message
`-
`
`21. Repeot
`Steps 3A thru Message with
`20 for
`Remaining
`Messages
`-
`
`18. Send Response
`to Chose
`
`
`
`19. Receive
`Confirmotion
`
`
`
`14. SendMessage to MessageHandler
`15. Process
`Response
`
`17. Store Response in
`Push Message Queue
`-
`
`FIG. 29A
`
`Page 53 of 95
`
`

`

`U.S. Patent
`
`Mar. 18, 2003
`
`Sheet 52 of 61
`
`US 6,535,855 B1
`
`6A. Wolidote
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`5. Send PIN
`7. PIN Accepted
`
`11. Obtain
`Response
`
`
`
`
`
`12. Formot
`Response into
`XML
`
`
`
`13. Send
`Message
`-
`
`16. Encrypt Response
`
`
`
`20. Send Confirmotion
`FIG. 29B
`
`21. Display
`Confirmotion
`
`Page 54 of 95
`
`

`

`U.S. Patent
`
`Mar. 18, 2003
`
`Sheet 53 of 61
`
`US 6,535,855 B1
`
`1. Received
`Encryption
`Applet
`2A. LOOd
`
`3. Send Encrypted Applet
`
`4A Retreive
`Key
`- O
`
`
`
`4B. Decrypt
`PIN
`
`8. Decrypt
`Message Applet
`-
`9. Link Message
`with Dockside
`Applet to
`Creote Disploy
`Applet
`
`
`
`
`
`
`
`
`
`
`
`18. Send Response
`to Chose
`
`19. Receive
`Confirmation
`
`
`
`14. SendMessage to MessageHondler
`15. Process
`Response
`
`17. Store Response in
`Push Message Queue
`2
`
`FIG. SOA
`
`Page 55 of 95
`
`

`

`U.S. Patent
`
`Mar. 18, 2003
`
`Sheet 54 of 61
`
`US 6,535,855 B1
`
`DisplayApplet
`
`ResponseExtrotor Encryption
`
`GUIWiewer
`
`2B. Notify Customer of Incoming Message
`
`5. Send PIN
`7. PIN Accepted
`
`6A. Walidote
`PIN
`
`
`
`
`
`11. Obtain
`Response
`
`12. Format
`Response into
`
`21. Disploy
`Confirmotion
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`Page 56 of 95
`
`

`

`U.S. Patent
`
`Mar. 18, 2003.
`
`Sheet 55 of 61
`
`US 6,535,855 B1
`
`ListenerTransmitter/Receiver MessageHandler Decryption
`1. Received
`Encryption
`XML 100
`2. Lood
`
`3. Send Encrypted XML
`
`4A. Retreive
`Key
`D
`
`8A. Receive XML Message
`101 for ACCount A
`80. Receive Updated XML
`Message 102 for Account A
`8D, Delete Message 101,
`Mork Os Deleted, Ond
`Push Message 102 to
`Top of Queue
`--
`22. SendMessage 102 to
`Decryption Object and
`Repeat Process
`
`4B. Decrypt
`PIN
`
`8E. Decrypt
`Message 100
`9. Mote
`Message 100
`with Applet
`
`
`
`
`
`
`
`
`
`
`
`8B. Store
`Message in
`Queue
`-
`
`
`
`
`
`
`
`
`
`18. Send Response 14. SendMessage to MessageHondler
`to Chose
`15. Process
`Response
`19. Receive
`2
`COnfirmotion
`17. Store Response in
`Push Message Queue
`
`
`
`FIG. 3 1A
`
`Page 57 of 95
`
`

`

`U.S. Patent
`
`Mar. 18, 2003
`
`Sheet 56 of 61
`
`US 6,535,855 B1
`
`Display Applet
`
`ResponseExtrator Encryption
`
`GUIViewer
`
`2B. Notify Customer of Incoming Message
`
`5. Send PIN
`7. PIN Accepted
`
`6A. Wolidote
`PIN
`
`
`
`
`
`
`
`
`
`
`
`
`
`11. Obtain
`Response
`
`12. Formot
`Response into
`XML
`
`
`
`
`
`
`
`
`
`
`
`
`
`15. Send
`Message
`H --
`
`
`
`
`
`16. Encrypt Response
`
`
`
`21. Disploy
`Confirmation
`
`20. Send Confirmotion
`FIG. 31B
`
`Page 58 of 95
`
`

`

`U.S. Patent
`
`Mar. 18, 2003
`
`Sheet 57 of 61
`
`US 6,535,855 B1
`
`Transmitter/Receiver
`
`MessageHondler
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`9. Tronsmit Over
`Customer's Device
`
`10. PrOCess
`Message
`
`5. Process
`Messages
`
`8. SendMessage to Chose
`11. Send Received Message
`
`15. Process
`Customer Request
`
`16. Send Confirmotion Message
`
`FIG. J2A
`
`Page 59 of 95
`
`

`

`U.S. Patent
`
`Mar. 18, 2003
`
`Sheet 58 of 61
`
`US 6,535,855 B1
`
`Encryption
`
`ResponseExtrator
`
`4. Requested Chonges be Sent to Chose
`
`
`
`6B. F Ormot
`Message
`-
`
`6A. Formot MessOge
`for Tronsmission
`7. Encrypt
`
`12. Display Received Message
`
`14. Repeat Steps 5 through 9
`
`17. Display Confirmation
`
`19. Repeat Steps 5 through 9
`
`GUViewer
`1. Request and
`Display User
`Profile Option
`-
`2. Change User
`Profile
`-
`3. Enter PIN
`-
`
`15. Customer
`Acknowledges
`Message WOS
`Sent by Her
`-
`
`18. Customer
`Acknowledges
`Confirmotion
`
`FIG. 52B
`
`Page 60 of 95
`
`

`

`
`a7|JaAlavay||Auodwog|Jajpudyabossay|buibog|4—-oeewa]
`
`Sheet 59 of 61
`
`US 6,535,855 B1
`US 6,535,855 Bl
`
`
`
`
`
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`401
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`
`
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`
`
` |'Jaypuoyjuo1poiuayjn!d5Oe|IIUfViJa|puBHWDaJ}SNasuodsay
`
`U.S. Patent
`U.S. Patent
`
`Mar.18, 2003
`
` O¢Sl|(~anany|| ammatiiet|}JO{NGUSIQ||afossay)||J3)puoHUoL}A19U3Ja|pud}ywi0a1|SUAOG'jiusubay||dabog|L-s--------4Lo
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`“Sect
`
`/
`CN
`3
`
`
`
`Page 61 of 95
`
`Page 61 of 95
`
`
`

`

`U.S. Patent
`
`Mar. 18, 2003
`
`Sheet 60 of 61
`
`US 6,535,855 B1
`
`1510
`1524
`------
`DOWnstreOm
`Transmit
`Hondler
`Distributor
`1. Receive
`M 99
`
`1506
`re------
`Response
`Router
`
`1522
`1516
`Upstream | Message
`Handler
`HOndler
`
`2. Send Message to Message Hondler
`
`3. Process
`Message
`- O
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`17. Receive
`Acknowledge
`ment
`
`15. Process
`Message
`- O
`15. Send
`Message to Message for 12. Send
`Response
`Upstream Message for
`ROuter
`Formotting
`
`16. Process
`Message
`
`18. Send Acknowledgement to MessageHondler
`
`19. Delete
`Message
`from
`Message
`Queue
`
`FIG. J4A
`
`Page 62 of 95
`
`

`

`U.S. Patent
`
`Mar. 18, 2003
`
`Sheet 61 of 61
`
`US 6,535,855 B1
`
`1518
`Authentication
`Hondler
`
`1520
`Decryption
`Hondler
`
`1502,1504
`Dock
`
`1512
`1514
`Encryption TronsmitReceive
`Hondler
`HOndler
`5. Select
`D0ck Driver
`
`6. Send
`Message
`7. Obtain
`Response
`from NOC
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`4. Encrypt Message
`10. Send
`Decrypted
`Message
`
`
`
`
`
`*8. Decrypt Message
`
`11. Authenticote
`Message
`
`18b.
`Customer
`Confirms
`Acknow
`ledgement
`
`18c. Receive Confirmotion from DOCk
`
`* If Supported by Paging
`Device/Company
`
`FIG. 35B
`
`Page 63 of 95
`
`

`

`1
`PUSH