(12) United States Patent
`(10) Patent No.:
`US 10,380,573 B2
`Lin et al.
`(45) Date of Patent:
`Aug. 13, 2019
`
`U8010380573B2
`
`(54) PEER-TO-PEER FINANCIAL TRANSACTION
`DEVICES AND METHODS
`
`(56)
`
`References Cited
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`Balaban, Dan, “The Brave New World of Contactless Mobile
`Credit” Nov. 2005. Card Technology vol. 10. Iss 11 p. 20. 6 pgs.*
`(Continued)
`Primary Examiner 7 Narayanswamy Subramanian
`(74) Attorney, Agent, or Firm 7 Dentons US LLP
`(57)
`ABSTRACT
`Various techniques are provided for carrying out peer-to-
`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 commmiieation 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 application to
`extract payment information from the acquired image,
`36 Claims, 78 Drawing Sheets
`
`3L5
`
`(75)
`
`Inventors: Gloria Lin, San Ramon, CA (US);
`Amir Mahmood Mikhak, Cambridge,
`MA (US); Taido Lantz Nakajima,
`Cupertino, CA (US); Sean Anthony
`IVIayo, Dover, NH (US); NIichael
`Rosenblatt, Campbell, CA (US)
`
`(73) Assignee: Apple Inc., Cupertino, CA (US)
`
`( * ) Notice:
`
`Subject to any disclaimer, the term of this
`patent is extended or adjusted under 35
`U.S.C. 154(b) by 950 days.
`
`(21) Appl. No.: 12/286.488
`
`(22) Filed:
`
`Sep. 30, 2008
`
`(65)
`
`(51)
`
`Prior Publication Data
`
`US 2010/0082481 A1
`
`Apr. 1, 2010
`
`Int. Cl.
`G06Q 20/40
`G06Q 40/00
`
`(2012.01)
`(2012.01)
`(Continued)
`
`(52) U.S. Cl.
`CPC ......... G06Q 20/223 (2013.01); G06Q 20/042
`(2013.01); G06Q 20/105 (2013.01); G06Q
`2032 (2013.01); 0069 20/322 (2013.01);
`G06Q 20/3278 (2013.01); G06Q 20/40
`(2013.01); G06Q 40/00 (2013.01); H04L
`63/0492 (2013.01); H04L 63/0853 (2013.01)
`(58) Field of Classification Search
`CPC ......................... G06Q 40/004)8; G06Q 20/40
`USPC ...................................................... 705/3574]
`See application file for complete search history.
`
`C100
`
`3"
`
`3er
`
`10
`
`Device 1
`
`.'
`
`384
`. .
`
`Payment
`Request
`
`'
`
`414
`Transaction
`
`41o
`Credit
`Carc‘ Informatio
`
`....:...
`E
`
`(P8196)
`Information
`
`
`
`Ye ’ o: 1
`Information and
`Authorize Pa ment
`
`:
`------ «l- -
`
`418 “m
`Payor’s
`Credlt Card
`Information
`
`;
`:
`:
`
`' ““““ 2' """""’
`424'
`i
`I
`:
`Prooess
`
`s
`a i"
`
`26
`Transaction
`Confirmation
`
`_____
`
`42B
`
`Recei-
`
`Google LLC v. RFCyber Corp. / Page 1 of 129
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`US 10,380,573 B2
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`Page 2
`
`(51)
`
`Int. Cl.
`G06Q 20/22
`
`G06Q 20/10
`G06Q 20/32
`H04L 29/06
`
`(2012.01)
`-
`(2012.01)
`(2012-01)
`(2006.01)
`
`(56)
`
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`U.S. Patent
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`Aug. 13,2019
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`Sheet 2 of 78
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`US 10,380,573 B2
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`Google LLC v. RFCyber Corp. / Page 6 of 129
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`Google LLC v. RFCyber Corp. / Page 6 of 129
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`PGR2022-00003
`Apple EX1020 Page 6
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`

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`U.S. Patent
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`Aug. 13, 2019
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`Sheet 3 0f 78
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`US 10,380,573 132
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 7 of 129
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`PGR2022-00003
`Apple EX1020 Page 7
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`

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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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`98
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`Financial Server(s)
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`100
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`Google LLC v. RFCyber Corp. / Page 8 of 129
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`GOOG-1020
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 8 of 129
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`PGR2022-00003
`Apple EX1020 Page 8
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`

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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 9 of 129
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`PGR2022-00003
`Apple EX1020 Page 9
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`

`

`U.S. Patent
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`9m
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 10 of 129
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`Apple EX1020 Page 10
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`

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`U.S. Patent
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`Aug. 13, 2019
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`Sheet 7 0f 78
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`US 10,380,573 132
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 11 of 129
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`Apple EX1020 Page 11
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`

`

`U.S. Patent
`
`1as
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`91m
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 12 of 129
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`Apple EX1020 Page 12
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`

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`U.S. Patent
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`Aug. 13, 2019
`
`Sheet 9 0f 78
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`US 10,380,573 132
`
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`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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`Apple EX1020 Page 13
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`U.S. Patent
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`Aug. 13, 2019
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`Sheet 10 0f 78
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`US 10,380,573 132
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`Google LLC v. RFCyber Corp. / Page 14 of 129
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`GOOG-1020
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 14 of 129
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`PGR2022-00003
`Apple EX1020 Page 14
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`

`

`U.S. Patent
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`11aehS
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`7
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`US 10,380,573 132
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 15 of 129
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`Apple EX1020 Page 15
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`

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`U.S. Patent
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`Aug. 13, 2019
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`Sheet 12 0f 78
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`US 10,380,573 132
`
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 16 of 129
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`PGR2022-00003
`Apple EX1020 Page 16
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`

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`U.S. Patent
`
`Aug. 13, 2019
`
`Sheet 13 0f 78
`
`US 10,380,573 132
`
`mam
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 17 of 129
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`PGR2022-00003
`Apple EX1020 Page 17
`
`

`

`U.S. Patent
`
`Aug. 13,2019
`
`Sheet 14 0f 78
`
`US 10,380,573 B2
`
`Determine
`Information
`
`33
`
`2
`
`33
`
`4
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`Transmit Invoice
`
`Information to Payor
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`33
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`Acquire Payment
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`Select
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`Crediting Account
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`342
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`Terms?
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`Yes
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`34
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`6
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`Receive Payment
`
`Cancel Transaction
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` 344
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`34
`
`8
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`Complete Transaction
`
`Send Receipt
`
`350
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`FIG. 11A
`
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`
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`
`Google LLC v. RFCyber Corp. / Page 18 of 129
`
`
`
`
`
`GOOG-1020
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 18 of 129
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`PGR2022-00003
`Apple EX1020 Page 18
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`

`

`U.S. Patent
`
`Aug. 13,2019
`
`Sheet 15 0f 78
`
`US 10,380,573 B2
`
`[“360
`
`36
`
`4
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`Receive Payment
`Request from Payee
`
`36
`
`6
`
`Provide Payment
`Information to Payee
`
`
`
`368
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`Transaction
`
`Completed?
`
`Yes
`
`37
`
`2
`
`Account Charged
`
`37
`
`4
`
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`
`Receive Receipt
`
`
`
`
`
`370
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`
`Account Not Charged
`
`FIG. 11B
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`
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`
`Google LLC v. RFCyber Corp. / Page 19 of 129
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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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`PGR2022-00003
`Apple EX1020 Page 19
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`

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`U.S. Patent
`
`Aug. 13, 2019
`
`Sheet 16 0f 78
`
`US 10,380,573 B2
`
`cozmées"“cozomwcmc.
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`mm
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 20 of 129
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`PGR2022-00003
`Apple EX1020 Page 20
`
`

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`U.S. Patent
`
`Aug. 13, 2019
`
`Sheet 17 0f 78
`
`US 10,380,573 132
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 21 of 129
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`PGR2022-00003
`Apple EX1020 Page 21
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`

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`U.S. Patent
`
`Aug. 13, 2019
`
`Sheet 18 0f 78
`
`US 10,380,573 132
`
`8:952;-.........-..........
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 22 of 129
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`Apple EX1020 Page 22
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`U.S. Patent
`
`Aug. 13,2019
`
`Sheet 19 0f 78
`
`US 10,380,573 B2
`
`10
`
`392
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`In
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`92
`
`390
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`Interface
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`Google LLC v. RFCyber Corp. / Page 23 of 129
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`
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`
`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 23 of 129
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`PGR2022-00003
`Apple EX1020 Page 23
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`

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`U.S. Patent
`
`Aug. 13, 2019
`
`Sheet 20 0f 78
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`US 10,380,573 132
`
`
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`“95:A0&2Em:83mmEat
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`Google LLC v. RFCyber Corp. / Page 24 of 129
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`PGR2022-00003
`Apple EX1020 Page 24
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`

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`U.S. Patent
`
`Aug. 13, 2019
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`Sheet 21 0f 78
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`US 10,380,573 132
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 25 of 129
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`PGR2022-00003
`Apple EX1020 Page 25
`
`

`

`U.S. Patent
`
`Aug. 13,2019
`
`Sheet 22 0f 78
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`US 10,380,573 B2
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`Google LLC v. RFCyber Corp. / Page 26 of 129
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 26 of 129
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`PGR2022-00003
`Apple EX1020 Page 26
`
`

`

`U.S. Patent
`
`Aug. 13,2019
`
`Sheet 23 0f 78
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`US 10,380,573 B2
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`Google LLC v. RFCyber Corp. / Page 27 of 129
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 27 of 129
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`PGR2022-00003
`Apple EX1020 Page 27
`
`

`

`U.S. Patent
`
`Aug. 13, 2019
`
`Sheet 24 0f 78
`
`US 10,380,573 132
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 28 of 129
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`PGR2022-00003
`Apple EX1020 Page 28
`
`

`

`U.S. Patent
`
`Aug. 13, 2019
`
`Sheet 25 0f 78
`
`US 10,380,573 132
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 29 of 129
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`PGR2022-00003
`Apple EX1020 Page 29
`
`

`

`U.S. Patent
`
`Aug. 13, 2019
`
`Sheet 26 0f 78
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`US 10,380,573 132
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 30 of 129
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`PGR2022-00003
`Apple EX1020 Page 30
`
`

`

`U.S. Patent
`
`Aug. 13, 2019
`
`Sheet 27 0f 78
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`US 10,380,573 132
`
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 31 of 129
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`PGR2022-00003
`Apple EX1020 Page 31
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`

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`U.S. Patent
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`Aug. 13, 2019
`
`Sheet 28 0f 78
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`US 10,380,573 132
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 32 of 129
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`PGR2022-00003
`Apple EX1020 Page 32
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`

`

`U.S. Patent
`
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`Google LLC v. RFCyber Corp. / Page 33 of 129
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`GOOG-1020
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 33 of 129
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`Apple EX1020 Page 33
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`U.S. Patent
`
`Aug. 13,2019
`
`Sheet 30 0f 78
`
`US 10,380,573 B2
`
`328 "\
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`342
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`Account Verified &
`
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`Sufficient Funds
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`Cancel Transaction
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`F!G 1 5A (to step 346)
`
`344
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`Google LLC v. RFCyber Corp. / Page 34 of 129
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`
`
`
`
`6006-1020
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 34 of 129
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`U.S. Patent
`
`Aug. 13,2019
`
`Sheet 31 0f 78
`
`US 10,380,573 B2
`
`(from step 362)
`
`Connection (TAP)
`
`
`Receive
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`
`Google LLC v. RFCyber Corp. / Page 35 of 129
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`
`
`
`
`GOOG-1020
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`GOOG-1020
`Google LLC v. RFCyber Corp. / Page 35 of 129
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`PGR2022-00003
`Apple EX1020 Page 35
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`

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`U.S. Patent
`
`Aug. 13,2019
`
`Sheet 32 0f 78
`
`US 10,380,573 B2
`
`730 x
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`7
`
`32
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`Payment Method
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`7
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