`
`
`
`UNITED STATES PATENT AND TRADEMARK OFFICE
`
`———————
`
`BEFORE THE PATENT TRIAL AND APPEAL BOARD
`
`———————
`
`APPLE INC.,
`
`Petitioner,
`
`v.
`
`FINTIV, INC.,
`
`Patent Owner
`
`———————
`
`
`
`
`IPR2023-00399
`U.S. Patent No. 9,208,488
`
`PETITION FOR INTER PARTES REVIEW
`UNDER 35 U.S.C. § 312 AND 37 C.F.R. § 42.104
`
`

`

`Petition for Inter Partes Review of U.S. Patent No. 9,208,488
`
`I. MANDATORY NOTICES UNDER 37 C.F.R. § 42.8 ....................................... 1
`
`A. Real Party-in-Interest................................................................................. 1
`
`B. Related Matters .......................................................................................... 1
`
`C. Lead and Back-up Counsel and Service Information ............................... 1
`
`II. INTRODUCTION ................................................................................................ 2
`
`III. STANDING ......................................................................................................... 2
`
`IV. NOTE ................................................................................................................... 2
`
`V. BACKGROUND .................................................................................................. 2
`
`VI. LEVEL OF ORDINARY SKILL IN THE ART ................................................. 3
`
`VII. CLAIM CONSTRUCTION............................................................................... 4
`
`VIII. The DILL-VADHRI-AKASHIKA COMBINATION RENDERS
`CLAIMS 1-22 OBVIOUS ................................................................................. 5
`
`A. Overview of Dill ........................................................................................ 6
`
`B. Overview of Vadhri ................................................................................... 8
`
`C. Overview of Akashika .............................................................................10
`
`D. Motivation to Combine Dill, Vadhri, and Akashika ...............................12
`
`E. The Challenged Claims are Obvious .......................................................16
`
`1. Claim 1 ............................................................................................16
`
`[1.0] A computing system for facilitating management of a
`mobile wallet, including: ........................................................ 16
`
`[1.1] one or more processors; .......................................................... 17
`
`[1.2] system memory; ...................................................................... 18
`
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`Petition for Inter Partes Review of U.S. Patent No. 9,208,488
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`[1.3A] an integration tier configured to manage mobile wallet
`sessions with a mobile device and .......................................... 19
`
`[1.3B] [an integration tier configured to manage mobile wallet
`sessions with a mobile device and] including web services
`communication mechanisms for interfacing with a mobile
`wallet application installed on a hardware SIM card.............. 22
`
`[1.3C] [an integration tier configured to manage mobile wallet
`sessions and] ... as well as with a plurality of different
`device types over a plurality of different communication
`channels, .................................................................................. 24
`
`[1.3D] [an integration tier configured to manage mobile wallet
`sessions with a mobile device]… the integration tier being
`configured to receive binary and text messages from the
`mobile device; ......................................................................... 26
`
`[1.4A] a notification services engine configured to interface
`with the integration tier and .................................................... 27
`
`[1.4B] [a notification services engine configured to interface
`with the integration tier and] to send Short Message Peer-
`to-Peer (SSMP) messages, Short Messaging Service
`(SMS) messages and Simple Mail Transfer Protocol
`(SMTP) messages over the different communication
`channels to different devices, .................................................. 29
`
`[1.4C] [a notification services engine configured to interface
`with the integration tier and to send Short Message Peer-
`to-Peer (SSMP) messages, Short Messaging Service
`(SMS) messages and Simple Mail Transfer Protocol
`(SMTP) messages over the different communication
`channels to different devices] including the mobile device,
`to interface with the mobile wallet application installed on
`the hardware SIM card; ........................................................... 31
`
`[1.5A] service connectors that are each configured to connect
`the computing system to a different third party system; ........ 32
`
`[1.5B] each of the service connectors being configured as a
`
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`Petition for Inter Partes Review of U.S. Patent No. 9,208,488
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`separate module for integrating a corresponding external
`service to the computing system; ............................................ 34
`
`[1.6] a payment handler that exposes a common API for
`interacting with different payment processors; ....................... 35
`
`[1.7] a security services engine that performs subscriber
`authentication utilizing a database-based Access Control
`List (ACL); .............................................................................. 37
`
`[1.8] a rules engine configured to enforce constraints on
`financial transactions performed with the mobile wallet
`application, the mobile wallet application being associated
`with a mobile wallet account; and .......................................... 40
`
`[1.9] one or more computer-readable storage media having
`stored thereon computer-executable instructions that are
`executable by the one or more processors to cause the
`computing system to perform a transaction for a customer
`using the mobile wallet which is owned by another entity
`than the customer, comprising the following: ........................ 42
`
`[1.10A] the computing system receiving communication from
`an agent terminal over one of a plurality of communication
`channels connected to the cloud-based transaction
`platform, .................................................................................. 43
`
`[1.10B]...the agent communication indicating that a customer
`desires to perform a transaction comprising a mobile
`wallet transaction using a third party mobile wallet; .............. 46
`
`[1.10C]...the mobile wallet transaction comprising at least one
`of a mobile wallet transfer in which funds are transferred
`from the mobile wallet of the customer to a third party
`mobile wallet, a mobile wallet withdrawal in which funds
`are withdrawn from the third party mobile wallet and
`provided to the customer, or a mobile wallet deposit in
`which funds are deposited into the third party mobile
`wallet; ...................................................................................... 48
`
`[1.11] the computing system sending the agent communication
`
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`Petition for Inter Partes Review of U.S. Patent No. 9,208,488
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`to the third party mobile wallet platform; ............................... 49
`
`[1.12A] the computing system determining whether the mobile
`wallet transaction comprises the mobile wallet withdrawal
`and ........................................................................................... 49
`
`[1.12B] ... when the mobile wallet transaction is determined to
`comprise the mobile wallet withdrawal, generating and
`providing a perishable withdrawal code to the consumer,
`which is presented to the agent terminal to facilitate
`processing of the mobile wallet withdrawal; .......................... 50
`
`[1.13] the computing system receiving communication from the
`third party mobile wallet platform confirming processing
`of the transaction, the transaction comprising at least one
`of the mobile wallet transfer, the mobile wallet withdrawal
`or the mobile wallet deposit; and ............................................ 52
`
`[1.14] the computing system sending communication to the
`agent terminal over one of a plurality of communication
`channels connected to the cloud-based transaction
`platform, the communication indicating confirmation of
`the processing of the transaction. ............................................ 52
`
`2. Claim 2 ............................................................................................56
`
`[2.0] The computing system of claim 1, wherein a new
`transaction is performed by the computing system for a
`second, different customer using a second, different third
`party mobile wallet. ................................................................ 56
`
`3. Claim 3 ............................................................................................56
`
`[3.0] The computing system of claim 1, wherein the transaction
`further comprises the customer of confirmation of the
`processing of the transaction using the third party mobile
`wallet over at least one of the plurality of communication
`channels connected to the cloud-based transaction
`platform. .................................................................................. 56
`
`4. Claim 4 ............................................................................................59
`
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`Petition for Inter Partes Review of U.S. Patent No. 9,208,488
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`[4.0] The computing system of claim 1, wherein the third party
`mobile wallet is provided by a third party mobile wallet
`provider. .................................................................................. 59
`
`5. Claim 5 ............................................................................................60
`
`[5.0] The computing system of claim 4, wherein each third
`party mobile wallet provider has their own point of sale
`(POS) processing system. ....................................................... 60
`
`6. Claim 6 ............................................................................................61
`
`[6.0] The computing system of claim 5, wherein the third party
`mobile wallet providers' POS processing systems
`communicate with each other using the cloud-based
`transaction platform to process the transaction. ..................... 61
`
`7. Claim 7 ............................................................................................61
`
`[7.0] The computing system of claim 1, wherein the transaction
`comprises the mobile wallet deposit for depositing funds
`into the third party mobile wallet which is owned by the
`entity different than the customer, including: ......................... 61
`
`[7.1] receiving communication from the agent terminal over
`one of the plurality of communication channels connected
`to the cloud-based transaction platform, the agent
`communication indicating that the customer desires to
`deposit a specified amount of funds into the third party
`mobile wallet; and ................................................................... 62
`
`[7.2] crediting the third party mobile wallet with the specified
`amount of funds. ..................................................................... 64
`
`8. Claim 8 ............................................................................................64
`
`[8.0] The computing system of claim 1, wherein the transaction
`comprises the mobile wallet withdrawal for withdrawing
`funds from the third party mobile wallet owned which is
`owned by the entity different than the customer, including: .. 64
`
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`Petition for Inter Partes Review of U.S. Patent No. 9,208,488
`
`[8.1] receiving communication from the customer over one of
`the plurality of communication channels connected to the
`cloud-based transaction platform, the customer
`communication indicating that the customer desires to
`withdraw a specified amount of funds from the third party
`mobile wallet; .......................................................................... 65
`
`[8.2] providing the perishable withdrawal code to the customer
`over at least one of the plurality of communication
`channels connected to the cloud-based transaction
`platform; .................................................................................. 66
`
`[8.3] receiving communication from the agent terminal over at
`least one of the plurality of communication channels
`connected to the cloud-based transaction platform, the
`agent terminal communication indicating that the
`perishable withdrawal code has been presented to an
`agent; and ................................................................................ 67
`
`[8.4] debiting the third party mobile wallet by the specified
`amount of funds. ..................................................................... 67
`
`9. Claim 9 ............................................................................................69
`
`[9.0] The computing system of claim 1, wherein the transaction
`comprises the mobile wallet transfer for transferring
`money from a mobile wallet account of the customer
`provided by a first mobile wallet provider to a third party
`mobile wallet of a recipient provided by a second mobile
`wallet provider, the method comprising: ................................ 69
`
`[9.1] receiving customer communication over one of the
`plurality of communication channels connected to the
`cloud-based transaction platform, the customer
`communication indicating that the customer desires to
`transfer a specified amount of funds to the recipient using
`a specified payment method from the mobile wallet
`account of the customer; ......................................................... 70
`
`[9.2] debiting the mobile wallet account by the specified
`amount of funds; and .............................................................. 70
`
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`Petition for Inter Partes Review of U.S. Patent No. 9,208,488
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`[9.3] transferring the specified amount of funds from the cloud-
`based transaction platform to the second third party mobile
`wallet platform for delivery to the specified recipient, the
`specified amount of funds being transferred over at least
`one of the plurality of channels connected to the third
`party mobile wallet platform. .................................................. 70
`
`10. Claim 10 ..........................................................................................71
`
`[10.0] The computing system of claim 1, wherein the claimed
`method also includes performing a new transaction
`comprising a mobile wallet purchase at an agent terminal
`using a third party mobile wallet managed by a third party
`mobile wallet platform, including: .......................................... 71
`
`[10.1] receiving communication from the customer over one of
`the plurality of channels connected to the cloud-based
`transaction platform, the customer communication
`indicating that the customer desires to purchase an item for
`a specified amount of funds using a specified payment
`method from a third party mobile wallet; ............................... 72
`
`[10.2] returning a secure, perishable purchase code to the
`customer over at least one of the plurality of channels
`connected to the cloud-based transaction platform; ............... 73
`
`[10.3] receiving communication from the agent terminal over at
`least one of the plurality of channels connected to the
`cloud-based transaction platform, the agent terminal
`communication indicating that the purchase code has been
`presented to an agent;.............................................................. 75
`
`[10.4] debiting the third party mobile wallet by the specified
`amount of funds; and .............................................................. 75
`
`[10.5] crediting an agent account by the specified amount of
`funds. ....................................................................................... 75
`
`11. Claim 11 ..........................................................................................76
`
`[11.0] At a computer system including at least one processor
`
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`Petition for Inter Partes Review of U.S. Patent No. 9,208,488
`
`and a memory, a computer-implemented a method for
`performing a transaction for a customer using a third party
`mobile wallet owned by another entity than the customer,
`the method comprising the following: .................................... 77
`
`[11.8B] [an integration tier configured to manage mobile wallet
`sessions with a mobile device] on which a mobile wallet
`application is installed and ...................................................... 79
`
`12. Claim 12 ..........................................................................................79
`
`13. Claim 13 ..........................................................................................80
`
`[13.0] The computer-implemented method of claim 11, wherein
`the third party mobile wallet platform comprises a third
`party processor. ....................................................................... 80
`
`14. Claims 14-21 ...................................................................................80
`
`15. Claim 22 ..........................................................................................81
`
`[22.0] One or more computer-readable hardware storage
`devices having stored thereon computer-executable
`instructions that are executable by the one or more
`processors of a computing system to cause the computing
`system to perform a transaction for a customer using a
`third party mobile wallet owned by another entity than the
`customer, comprising the following: ...................................... 82
`
`IX. DISCRETIONARY DENIAL IS INAPPROPRIATE .......................................83
`
`X. CONCLUSION ..................................................................................................85
`
`CERTIFICATE OF WORD COUNT ......................................................................86
`
`CERTIFICATE OF SERVICE ................................................................................87
`
`
`
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`

`

`Petition for Inter Partes Review of U.S. Patent No. 9,208,488
`
`PETITIONER’S EXHIBIT LIST1
`APPL-1001 U.S. Patent 9,208,488
`APPL-1002 File History of U.S. Patent 9,208,488
`APPL-1003 Declaration of Henry Houh, Ph.D.
`APPL-1004 Curriculum Vitae of Henry Houh, Ph.D.
`APPL-1005 U.S. Patent Publication No. 2009/0265272 to Dill et al. (“Dill”)
`APPL-1006 U.S. Patent Publication No. 2010/0133334 to Vadhri (“Vadhri”)
`APPL-1007 U.S. Patent Publication No. 2009/0217047 to Akashika et al.
`(“Akashika”)
`APPL-1008 Designing System for Internet Commerce” by G. Winfield Treese
`et al. (2003) (“Treese”)
`APPL-1009 U.S. Patent Publication No. 2013/0332352 to Imrey et al.
`(“Imrey”)
`APPL-1010 U.S. Patent Publication No. 2014/0032758 to Barton et al.
`(“Barton”)
`APPL-1011 U.S. Patent Publication No. 2008/0167988 to Sun et al. (“Sun”)
`APPL-1012 U.S. Patent No. 7,865,141 to Liao et al. (“Liao”)
`APPL-1013 U.S. Patent Publication No. 2009/0055322 to Bykov et al.
`(“Bykov”)
`APPL-1014 U.S. Patent Publication No. 2004/0196858 to Tsai et al. (“Tsai”)
`APPL-1015 U.S. Patent Publication No. 2012/0117178 to Price et al. (“Price”)
`APPL-1016 Director Katherine K. Vidal, “Interim Procedure for Discretionary
`Denials in AIA Post-Grant Proceedings with Parallel District
`Court Litigation,” June 21, 2022
`APPL-1017 United States District Court – National Judicial Caseload Profile
`(June 2022), available at:
`https://www.uscourts.gov/statistics/table/na/federal-court-
`management-statistics/2022/06/30-2
`
`
`1 Citations to APPL-1002 use page numbers added per 37 C.F.R. § 42.63(d)(2)(ii).
`
`Citations to other exhibits use page numbers in their original publications.
`
`ix
`
`

`

`Petition for Inter Partes Review of U.S. Patent No. 9,208,488
`
`APPL-1018 Scheduling Order, Fintiv, Inc. v. PayPal Holdings, Inc., No. 6:22-
`cv-00288, ECF No. 33 (W.D. Tex. Nov. 30, 2022)
`APPL-1019 Order Regarding Joint Motion to Amend Scheduling Order,
`Fintiv, Inc. v. PayPal Holdings, Inc., No. 6:22-cv-00288, ECF
`No. 49 (W.D. Tex. Nov. 30, 2022)
`APPL-1020 Joint Claim Construction Statement, Fintiv, Inc. v. PayPal
`Holdings, Inc., No. 6:22-cv-00288, ECF No. 53 (W.D. Tex. Dec.
`8, 2022)
`
`x
`
`

`

`Petition for Inter Partes Review of U.S. Patent No. 9,208,488
`
`I. MANDATORY NOTICES UNDER 37 C.F.R. § 42.8
`A. Real Party-in-Interest
`
`Apple Inc. is the real party-in-interest.
`
`B. Related Matters
`
`The ’488 Patent is involved in: Fintiv, Inc. v. PayPal Holdings, Inc., 6-22-
`
`cv-00288 (W.D. Tex.) (“PayPal litigation”). Petitioner is not a party to that case
`
`and the defendant in that case had no knowledge of this IPR prior to its filing. The
`
`’488 Patent is the parent of U.S. Patent No. 10,438,196, which has been challenged
`
`in a concurrently-filed IPR (IPR2023-00398).
`
`C. Lead and Back-up Counsel and Service Information
`
`Lead Counsel
`Andrew S. Ehmke
`HAYNES AND BOONE, LLP
`2323 Victory Ave. Suite 700
`Dallas, TX 75219
`
`Backup Counsel
`Eugene Goryunov
`HAYNES AND BOONE, LLP
`2323 Victory Ave. Suite 700
`Dallas, TX 75219
`
`Jonathan R. Bowser
`HAYNES AND BOONE, LLP
`800 17th Street NW, Suite 500
`Washington, DC 20006
`
`
`
`
`
`
`(214) 651-5116
`Phone:
`(214) 200-0853
`Fax:
`
`andy.ehmke.ipr@haynesboone.com
`USPTO Reg. No. 50,271
`
`
`Phone: (312) 216-1630
`Fax: (214) 200-0853
`eugene.goryunov.ipr@haynesboone.com
`USPTO Reg. No. 61,579
`
`Phone: (202) 654-4503
`Fax: (214) 200-0853
`jon.bowser.ipr@haynesboone.com
`USPTO Reg. No. 54,574
`
`
`
`
`
`1
`
`

`

`Petition for Inter Partes Review of U.S. Patent No. 9,208,488
`
`Jordan Maucotel
`HAYNES AND BOONE, LLP
`2323 Victory Ave. Suite 700
`Dallas, TX 75219
`
`Phone: (972) 739-8621
`Fax: (214) 200-0853
`jordan.maucotel.ipr@haynesboone.com
`USPTO Reg. No. 69,438
`
`Please address all correspondence to lead and back-up counsel. Petitioner
`
`consents to email service as noted above and asks Patent Owner to do the same.
`
`II.
`
`INTRODUCTION
`
`Apple Inc. (“Petitioner”) requests inter partes review (IPR) and cancellation
`
`of claims 1-22 (the “Challenged Claims”) of U.S. 9,208,488 (“the ’488 patent,”
`
`APPL-1001).
`
`III. STANDING
`
`Petitioner certifies the ’488 patent is eligible for IPR and Petitioner is not
`
`barred or estopped from requesting an IPR.
`
`IV. NOTE
`All bold, bold italics, and bold underline has been added. Text in italics
`
`signifies claim language.
`
`V. BACKGROUND
`
`The ’488 patent is directed to performing a transaction using a “third party
`
`mobile wallet,” a “third party point of sale (POS) system,” and making a purchase
`
`facilitated by a “third party mobile wallet provider.” APPL-1001, Abstract. The
`
`’488 patent provides for “a cloud-based transaction platform” that “receives
`
`communication from a specified POS system implemented at an agent terminal
`
`2
`
`

`

`Petition for Inter Partes Review of U.S. Patent No. 9,208,488
`
`over a communication channel....indicat[ing] that a customer has initiated a mobile
`
`wallet transaction using their third party mobile wallet.” APPL-1001, 1:64-2:4;
`
`APPL-1003, ¶28. An example of the platform is below:
`
`APPL-1001, Fig. 2.
`
`
`
`Financial transactions using mobile wallets were well-known before the ʼ488
`
`Patent. APPL-1003, ¶40;2 APPL-1005, Abstract, [0002], [0010]; APPL-1006,
`
`[0001], [0047]-[0050].
`
`VI. LEVEL OF ORDINARY SKILL IN THE ART
`
`A person of ordinary skill in the art (“POSITA”) in November 2011, the
`
`assumed priority date of the ’488 patent, would have had a working knowledge of
`
`mobile payment systems and techniques pertinent to the ’488 patent. A POSITA
`
`
`2 The declaration of Dr. Henry Houh (APPL-1003) supports the Petition.
`
`3
`
`

`

`Petition for Inter Partes Review of U.S. Patent No. 9,208,488
`
`would have had a bachelor’s degree in electrical engineering, computer science, or
`
`equivalent training, and approximately two years of work experience in software
`
`development with a basic knowledge of accounting. Lack of work experience can
`
`be remedied by additional education, and vice versa. APPL-1003, ¶¶21-23.
`
`VII. CLAIM CONSTRUCTION
`
`Claim terms are given their ordinary and accustomed meaning as would
`
`have been understood by a POSITA at the priority date in view of the entire
`
`disclosure. Petitioner maintains that all other terms, not addressed below, require
`
`no specific construction for this proceeding.3
`
`“debiting the third party mobile wallet by the specified amount of funds”
`
`(claims 8-10, 19-21)
`
`A POSITA would have understood that there are various types of mobile
`
`wallets: (1) where a mobile device holds value (such as on a secure chip) and (2)
`
`where the value is stored in an external account. APPL-1001, 9:9-19; APPL-1011,
`
`[0009], [0022]; APPL-1003, ¶¶43-44. The ’488 patent refers to the first type of
`
`mobile wallet. APPL-1001, 9:9-19; APPL-1003, ¶44. For example, the
`
`specification states that the “term ‘mobile wallet’ or ‘mobile wallet account’ refers
`
`
`3 Petitioner does not concede that any term not construed herein meets the statutory
`
`requirements of 35 U.S.C. § 112.
`
`4
`
`

`

`Petition for Inter Partes Review of U.S. Patent No. 9,208,488
`
`to a stored value account or prepaid access account (PPA) that allows the owner
`
`(or ‘subscriber’) to pay for goods and services on the mFS platform from his or her
`
`mobile wallet account.” APPL-1001, 9:9-19; APPL-1003, ¶44.
`
`Although not defined, “stored value” in mobile wallets is well-known and
`
`refers to a value stored on a mobile device (such as in a secure memory). E.g., APPL-
`
`1011, [0009], [0022] (“Mobile communication devices…are characterized by secure
`
`memory usable for storing value and a controller which manages the secure memory,”
`
`“stored value represented by data on the mobile communication device”); APPL-
`
`1003, ¶45. The ’488 patent does not provide technical details of how its mobile
`
`wallet is debited other than to say that “[t]he cloud-based transaction platform then
`
`debits the customer’s third party mobile wallet by the specified amount of funds to
`
`complete the purchase.” APPL-1001, 2:32-36; APPL-1003, ¶45. A POSITA would
`
`have understood “debit the mobile wallet by the specified amount of funds” to
`
`include “transferring the specified amount of funds from the stored value on a
`
`mobile device.” APPL-1003, ¶46.
`
`VIII. THE DILL-VADHRI-AKASHIKA COMBINATION RENDERS
`CLAIMS 1-22 OBVIOUS
`
`The combination of Dill, Vadhri, and Akashika renders claims 1-22 obvious.
`
`APPL-1003, ¶47. These claims represent nothing more than a predictable
`
`combination of well-known features. Dill teaches a financial transfer system for
`
`supporting “flexible payment options” for transactions between mobile wallets.
`
`5
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`

`Petition for Inter Partes Review of U.S. Patent No. 9,208,488
`
`APPL-1005, Abstract, [0005], [0010]. While Dill does not specifically disclose an
`
`API server or a cloud computing environment, they were well-known in financial
`
`transaction systems, per Vadhri, and a POSITA would have been motivated to
`
`integrate them into Dill’s system to improve security and flexibility. APPL-1003,
`
`¶¶57-63. A POSITA would have been motivated to include an access control list
`
`(ACL), per Akashika, into Dill’s networks to improve security of financial data.
`
`APPL-1003, ¶¶64-69.
`
`Dill, Vadhri, and Akashika were not cited or relied on by the Examiner
`
`during prosecution.
`
`A. Overview of Dill
`
`Dill—U.S. 2009/0265272 (APPL-1005)—was filed June 3, 2009, published
`
`October 22, 2009, and is prior art under pre-AIA §§ 102(a)-(b), (e). Like the ’488
`
`patent, Dill teaches a financial transfer system for supporting “flexible payment
`
`options” for a financial transaction. APPL-1005, Abstract, [0002], [0010]. Dill’s
`
`system facilitates transactions between mobile devices and includes “a mobile
`
`communications network and a mobile device communicatively coupled with the
`
`mobile communications network” where the “mobile device can execute a mobile
`
`wallet application.” APPL-1005, [0010], [0005].
`
`Fig. 9 depicts one embodiment of Dill’s system:
`
`6
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`

`Petition for Inter Partes Review of U.S. Patent No. 9,208,488
`
`APPL-1005, Fig. 9.
`
`
`
`System 100 includes a money transfer facilitator system 140 that receives
`
`transaction information from a mobile wallet application 121 including mobile
`
`wallets 125, 130. APPL-1005, Fig. 9, [0100]. The money transfer facilitator system
`
`140 includes a transfer options module 145 and a mobile application 145 that are
`
`coupled with interfaces 136-138 and an agent 135 for conducting transfers. APPL-
`
`1005, Fig. 9, [0101]. The transfer options module 145 and mobile application 145
`
`conduct transactions between senders and recipients through communication
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`channels and send notifications of request and transactions. APPL-1005, Fig. 9,
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`[0100]-[0104].
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`Dill is analogous art to the ’488 patent because it is from the same field of
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`endeavor. Dill “relates to financial transfers” just as the ’488 patent is “directed to
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`performing a transaction.” APPL-1005, [0002]; APPL-1001, Abstract. Both
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`systems manage transactions with third-party systems, including mobile wallets.
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`APPL-1001, Abstract; APPL-1005, [0003]-[0005]. Dill is also reasonably pertinent
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`to the particular problem of the ’488 patent, e.g., increasing flexibility of payments
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`in financial systems (APPL-1001, 6:16-24; APPL-1005, [0002]).
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`B. Overview of Vadhri
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`Vadhri—U.S. 2010/0133334 (APPL-1006)—was filed December 3, 2008,
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`published June 3, 2010, and is prior art under §§ 102(a)-(b), (e). Vadhri discusses
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`“systems and methods for accessing a value holding account.” APPL-1006, [0001].
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`A networked system 502 (also called a “network-based marketplace or publication
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`system”) manages payments between applications and accounts, like the financial
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`transaction systems of the ’488 patent and Dill. APPL-1006, [0047]-[0050]. Vadhri
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`teaches methods for accessing a value-holding account within the networked
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`system 502 that include “access[ing] the payment applications via the API server
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`(e.g., using API calls) or through the web servers 516 to engage in account access
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`operations.” APPL-1006, [0054].
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`Fig. 5 depicts Vadhri’s networked system 520 with API servers 514:
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`Petition for Inter Partes Review of U.S. Patent No. 9,208,488
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`APPL-1006, Fig. 5.
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`
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`The use of the API server provides a programmatic interface for payment
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`applications to access services of the marketplace. APPL-1006, [0052]. This
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`interface allows use of seller applications, such as eBay, and “enable[s] sellers to
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`author and manage listings…in an off-line manner, and to perform batch-mode
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`communications between the programmatic client 508 and the network system.”
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`APPL-1006, [0052]. Vadhri teaches the use of a secure temporary code to provide
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`additional security by limiting the amount of time that a code is available and
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`describes how to determine the validity of a code and notify the user accordingly.
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`APPL-1006, [0015], Fig. 4, [0048]. Vadhri also teaches the integration of a “‘cloud
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`computing’ environment” in its transaction systems. APPL-1006, [0089].
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`Petition for Inter Partes Review of U.S. Patent No. 9,208,488
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`Vadhri is analogous art to the ’488 patent and is from the same field of
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`endeavor. Vadhri discloses “systems and methods for accessing a value holding
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`account” and supports “a transaction to [] goods and services,” similar to the
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`embodiments of the ’488 patent. APPL-1006, [0001], [0057]; APPL-1001,
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`Abstract. Vadhri is also reasonably pertinent to the particular problem of the ’488
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`patent, as both are concerned with increasing accessibility of payment systems
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`(e.g., APPL-1001, 11:61-12:16; APPL-1006, [0002]).
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`C. Overview of Akashika
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`Akashika—U.S. 2009/0217047 (APPL-1007)—was filed November 18,
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`2008, published August 27, 2009, and is prior art under §§ 102(a)-(b), (e).
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`Akashika discloses a security system that protects data on a secure chip including
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`“the remaining amount or the settlement information of electronic money.” APPL-
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`1007, [0007]. The system includes an area management server with an access
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`control list (ACL) generation section to create an ACL that sets access rights to the
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`secure data for each user. APPL-1007, [0060]. These features are shown in Fig. 3:
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`Petition for Inter Partes Review of U.S. Patent No. 9,208,488
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`APPL-1007, Fig. 3.
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`
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`The access rights set by the ACL include access to the secure chip as well as
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`read, write, and frequency of access restrictions and executing script data (such as
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`ECMAScript or JavaScript) on the secure chip. APPL-1007, [0017], [0062],
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`[0070]. “[U]nauthorized access to the secure chip 500 can b