«2, United States Patent
`US 10,380,573 B2
`do) Patent No.:
`Lin etal.
`Aug. 13, 2019
`(45) Date of Patent:
`
`US010380573B2
`
`(54) PEER-TO-PEER FINANCIAL TRANSACTION
`DEVICES AND METHODS
`
`(56)
`
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`OTHER PUBLICATIONS
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`(75)
`
`Inventors: Gloria Lin, San Ramon, CA (US);
`Amir Mahmood Mikhak, Cambridge,
`MA(US); Taido Lantz Nakajima,
`Cupertino, CA (US); Sean Anthony
`Mayo, Dover, NH (US); Michael
`Rosenblatt, Campbell, CA (US)
`
`(73) Assignee: Apple Inc., Cupertino, CA (US)
`
`(*) Notice:
`
`Subject to any disclaimer, the term ofthis
`patent is extended or adjusted under 35
`USS.C. 154(b) by 950 days.
`
`(21) Appl. No.: 12/286,488
`
`(22) Filed:
`
`Sep. 30, 2008
`
`Balaban, Dan, “The Brave New World of Contactless Mobile
`Credit” Nov. 2005, Card Technologyvol. 10, Iss 11 p. 20, 6 pgs.*
`(Continued)
`Primary Examiner — Narayanswamy Subramanian
`(74) Attorney, Agent, or Firm — Dentons US LLP
`(57)
`ABSTRACT
`Various techniques are provided for carrying out pcer-to-
`US 2010/0082481 Al—Apr. 1, 2010
`peer financial
`transactions using one or more electronic
`devices.
`In one embodiment, a request for payment
`is
`transmitted from a first device to a second device using a
`near field communication (NFC) interface. In response to
`the request, the second device may transmit payment infor-
`mation to the first device. The first device may select a
`crediting account and, using a suitable communication pro-
`tocol, may communicate the received payment information
`and selected crediting account
`to one or more external
`financial
`servers configured to process and determine
`whether the payment may be authorized. If the payment is
`authorized, a payment may be credited to the selected
`crediting account. In a further embodiment, a device may
`include a camera configured to obtain an image of a payment
`instrument. The device may further include an applicationto
`extract payment information from the acquired image.
`36 Claims, 78 Drawing Sheets
`
`(65)
`
`(51)
`
`Prior Publication Data
`
`Int. Cl.
`G06Q 20/40
`G06Q 40/00
`
`(2012.01)
`(2012.01)
`(Continued)
`
`(52) U.S. Cl.
`CPC we. G06Q 20/223 (2013.01); G06Q 20/042
`(2013.01); G06Q 20/105 (2013.01); G06Q
`20/32 (2013.01); G06Q 20/322 (2013.01);
`G06Q 20/3278 (2013.01); G06Q 20/40
`(2013.01); G06Q 40/00 (2013.01), HO4L
`63/0492 (2013.01); HO4L 63/0853 (2013.01)
`(58) Field of Classification Search
`CPC viscccesescrereceeers G06Q 40/00-08: G06Q 20/40
`USPC vieescccserecctessencerscseeereaeesssasesereesees 705/35—41
`See application file for complete search history.
`
`coo
`
`382
`
`380
`
`375
`
`Device 1
`(Payee)
`
`40
`
`92
`Device 2
`(Payor)
`
`484:
`
`
`EaRequest
`'
`rect
`:
`412 =
`ere|Tap 1+ mat
`:
`414
`Information
`
`
`418 <---
`:
`:
`Payor's
`:
`:
`weneee i Credit Card
`
`Verity Card
`'
`:
`Information
`Information and
`veeeed
`tt
`faseeeeees beseeeeeeg>
`428
`:
`:
`424
`Authorize Payment
`:
`
`
`
`422 Process|| Transaction|| _.' :
`
`
`Receip
`
`:
`:
`'
`Transaction
`Confirmation
`
` 426
`
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`GOOG-1020
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`

`

`(51)
`
`Int. Cl.
`G06Q 20/22
`G06Q 20/10
`G06Q 20/32
`HO4L 29/06
`
`(2012.01)
`(2012.01)
`(2012.01)
`(2006.01)
`
`(56)
`
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`US 10,380,573 B2
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`(56)
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`

`U.S. Patent
`
`Aug. 13, 2019
`
`Sheet 1 of 78
`
`US 10,380,573 B2
`
`Text
`
`Calendar _Ghotos
`
`CameraOG
`OOSece
`YouTube
`Stocks
`ia Weather
`
`Mail
`
`Clock,, Calculator
`
`Notes
`
`Settings
`
`iTunes
`
`Phone
`
`
`
`
`
`GOOG-1020
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`

`U.S. Patent
`
`Sheet 2 of 78
`
`Aug. 13, 2019
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`US 10,380,573 B2
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`U.S. Patent
`
`Aug. 13, 2019
`
`Sheet 3 of 78
`
`US 10,380,573 B2
`
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 7 of 129
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`U.S. Patent
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`Aug. 13, 2019
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`Sheet 4 of 78
`
`US 10,380,573 B2
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`
`Device 1
`(Payee)
`
`
`
`
`Device 2
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`(Payor)
`
`102
`
`100
`
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`
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`
`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 8 of 129
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 8 of 129
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`U.S. Patent
`
`Aug. 13, 2019
`
`Sheet 5 of 78
`
`US 10,380,573 B2
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 9 of 129
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`U.S. Patent
`
`Aug. 13, 2019
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`Sheet 6 of 78
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`US 10,380,573 B2
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`Google LLC v. RFCyber Corp. / Page 10 of 129
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`

`U.S. Patent
`
`Aug. 13, 2019
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`Sheet 7 of 78
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`US 10,380,573 B2
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`Google LLC v. RFCyber Corp. / Page 11 of 129
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`

`U.S. Patent
`
`Aug. 13, 2019
`
`Sheet 8 of 78
`
`US 10,380,573 B2
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`Google LLC v. RFCyber Corp. / Page 12 of 129
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`U.S. Patent
`
`Aug. 13, 2019
`
`Sheet 9 of 78
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`US 10,380,573 B2
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`
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 13 of 129
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 13 of 129
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`U.S. Patent
`
`Aug. 13, 2019
`
`Sheet 10 of 78
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`US 10,380,573 B2
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`Google LLC v. RFCyber Corp. / Page 14 of 129
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`GOOG-1020
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`U.S. Patent
`
`Aug. 13, 2019
`
`Sheet 11 of 78
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`US 10,380,573 B2
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`Google LLC v. RFCyber Corp. / Page 15 of 129
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`U.S. Patent
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`Aug. 13, 2019
`
`Sheet 12 of 78
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`US 10,380,573 B2
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 16 of 129
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`U.S. Patent
`
`Aug. 13, 2019
`
`Sheet 13 of 78
`
`US 10,380,573 B2
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`
`
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 17 of 129
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`U.S. Patent
`
`Aug. 13, 2019
`
`Sheet 14 of 78
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`US 10,380,573 B2
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`332
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`Information from Payor
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 18 of 129
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 18 of 129
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`U.S. Patent
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`Aug. 13, 2019
`
`Sheet 15 of 78
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`US 10,380,573 B2
`
`ye360
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`36
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`36
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`368
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`GOOG-1020
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 19 of 129
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`U.S. Patent
`
`Aug. 13, 2019
`
`Sheet 16 of 78
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`US 10,380,573 B2
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 20 of 129
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`U.S. Patent
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`26
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 21 of 129
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`

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`U.S. Patent
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`Aug. 13, 2019
`
`Sheet 18 of 78
`
`US 10,380,573 B2
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 22 of 129
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`U.S. Patent
`
`Aug. 13, 2019
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`Sheet 19 of 78
`
`US 10,380,573 B2
`
`10
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`GOOG-1020
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`GOOG-1020
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`U.S. Patent
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`Aug. 13, 2019
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`Sheet 20 of 78
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`US 10,380,573 B2
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 24 of 129
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`U.S. Patent
`
`Aug. 13, 2019
`
`Sheet 21 of 78
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`US 10,380,573 B2
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`GOOG-1020
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`U.S. Patent
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`Aug. 13, 2019
`
`Sheet 22 of 78
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`US 10,380,573 B2
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` 92
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`
`Google LLC v. RFCyber Corp. / Page 26 of 129
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`GOOG-1020
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 26 of 129
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`U.S. Patent
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`Aug. 13, 2019
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`Sheet 23 of 78
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`US 10,380,573 B2
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`a
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`Google LLC v. RFCyber Corp. / Page 27 of 129
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`GOOG-1020
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`GOOG-1020
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`U.S. Patent
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`Aug. 13, 2019
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`Sheet 24 of 78
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`US 10,380,573 B2
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 28 of 129
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`U.S. Patent
`
`Aug. 13, 2019
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`Sheet 25 of 78
`
`US 10,380,573 B2
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`GOOG-1020
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`U.S. Patent
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`Aug. 13, 2019
`
`Sheet 26 of 78
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`US 10,380,573 B2
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`GOOG-1020
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`U.S. Patent
`
`Aug. 13, 2019
`
`Sheet 27 of 78
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`US 10,380,573 B2
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`GOOG-1020
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`U.S. Patent
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`Aug. 13, 2019
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`Sheet 28 of 78
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`US 10,380,573 B2
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`GOOG-1020
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`

`

`U.S. Patent
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`Aug. 13, 2019
`
`Sheet 29 of 78
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`US 10,380,573 B2
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 33 of 129
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`GOOG-1020
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`U.S. Patent
`
`Aug. 13, 2019
`
`Sheet 30 of 78
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`US 10,380,573 B2
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`328 ™
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`{from step 332)
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`Transmit Invoice
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`
`Information Using NFC
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`532
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`
`Receive Payment
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`660 :
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`662 |
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`530 :
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`Payment
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`Paymeni
`
`AccountVerified &
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`Sufficient Funds
`2
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`
`
`
`
`
`
`FIG. 15A
`
`{to step 346)
`
`Cancel Transaction
`
`
`
`
`
`GOOG-1020
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 34 of 129
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`

`

`Join NFC
`
`Connection (TAP)
`
`
`
`Receive
`Invoice Information
`
`
`
`
`
`360 ™
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`;
`:
`
`:
`
`'
`
`:
`
`U.S. Patent
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`Aug. 13, 2019
`
`Sheet 31 of 78
`
`US 10,380,573 B2
`
`(from step 362)
`
`534 :
`‘
`
`536
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`:
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`+650 :
`Accept Invoice
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`
`Select
`Payment Account
`
`652
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`Establish NFC
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`Connection (TAP)
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`Transmit Payment|656:
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`AccountInformation
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`[654
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`:
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`(to step 368)
`
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`
`
`
`GOOG-1020
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`GOOG-1020
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`U.S. Patent
`
`Aug. 13, 2019
`
`Sheet 32 of 78
`
`US 10,380,573 B2
`
`730 ™
`
`7
`
`32
`
`7.
`
`34
`
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`Payment Method
`
`Send
`PaymentInformation
`
`736
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`Transaction
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`Yes
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`
`
`
`
`
`7
`
`40
`
`7
`
`42
`
`Account Charged
`
`Receive Receipt
`
`738
`
`Account Not Charged
`
`FIG. 16A
`
`
`
`
`
`GOOG-1020
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`GOOG-1020
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`U.S. Patent
`
`Aug. 13, 2019
`
`Sheet 33 of 78
`
`US 10,380,573 B2
`
`746™
`
`7
`
`Receive
`PaymentInformation
`
`Select
`Crediting Account