Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 1 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 1 of 43
`
`EXHIBIT D
`
`EXHIBIT D
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 2 of 43
`case 6:21'CV'00121'ADA D“’“mlllllllllllllllflllfllllllllllllllllllllllllfillllllllllll||||||||
`
`US008533079B2
`
`(12) United States Patent
`US 8,533,079 B2
`(10) Patent No.:
`Sharma
`Sep. 10, 2013
`(45) Date of Patent:
`
`(54)
`
`INTEGRATED SYSTEMS FOR ELECTRONIC
`BILL PRESENTMENT AND PAYMENT
`
`(75)
`
`Inventor: Dushyant Sharma, Richmond Hill (CA)
`
`(73) Assignee: Metavante Corporation,Jacksonville,
`FL (US)
`
`( * ) Notice:
`
`Subject to any disclaimer, the term of this
`patent is extended or adjusted under 35
`U.S.C. 154(b) by 0 days.
`
`(21) Appl.No.: 13/107,766
`
`(22) Filed:
`
`May 13, 2011
`
`(65)
`
`Prior Publication Data
`
`US 2011/0276450 A1
`
`Nov. 10, 2011
`
`Related US. Application Data
`
`(63) Continuation of application No. 09/751,265, filed on
`Dec. 29, 2000, now Pat. No. 7,945,491.
`
`(51)
`
`Int. Cl.
`G06Q 40/00
`(52) us. Cl.
`USPC ............................................... 705/34, 705/40
`
`(2012.01)
`
`(58) Field of Classification Search
`USPC ............................................................ 705/40
`See application file for complete search history.
`
`(56)
`
`References Cited
`
`U.S. PATENT DOCUMENTS
`
`................. 715/719
`7/2002 Kamen et al.
`6,421,067 B1 *
`.........
`705/40
`6,493,685 B1 * 12/2002 Ensel et al.
`
`6,578,015 B1 *
`6/2003 Haseltine et al.
`705/34
`2005/0192896 A1 *
`9/2005 Hutchison et al.
`.............. 705/40
`
`* cited by examiner
`
`Primary Examiner 7 Olabode Akintola
`(74) Attorney, Agent, or Firm 7 Finnegan, Henderson,
`Farabow, Garrett & Dunner, LLP
`
`(57)
`
`ABSTRACT
`
`The present invention relates generally to electronic com-
`merce, and more particularly to methods and systems for
`integrating electronic bill presentment and payment among
`billers, consumers, banks and other financial institutions,
`electronic payment facilitators, and web portals and other
`spaces able to support an interface for presentment and/or
`payment of bills.
`
`23 Claims, 33 Drawing Sheets
`
`10
`
`16
`
`Integrated Electronic
`Bill Presentment and
`
`f
`
`
`
`Payment System
`
`
` Payment
`
`Facilitators
`
`
`
`Functionality
`
`Very Small
`
`Billers
`
`
`- Web Portals and Bill
`Presenters
`
`
`14
`
`
`
`Consumers
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 3 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 3 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 1 of 33
`
`US 8,533,079 B2
`
`10
`
`
` Integrated Electronic
`Bill Presentment and
`
`Payment System
`
`
`
`
`
`
`
`
`
`
`
`
`Functionality
`
`5
`
`S
`
`Very Small
`Billers
`
`
`
`14
`
`Payment
`Facilitators
`
`18
`
`Web Portals and Bill
`Presenters
`
`Consumers
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 4 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 4 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 2 of 33
`
`US 8,533,079 B2
`
`
`
`Personal
`
`Information
`
`
`
`quifax an
`
`other Credit
`
`Verifier
`
` Yahoo, GOZNet, Other Portals
` Florida House
` Atlanta House
`
`Encrypted Access
`
`BILL BOX - ARCHITECTURE DIAGRAM
`
`15
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 5 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 5 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 3 of 33
`
`US 8,533,079 B2
`
`Payment
`Credit Card
`ACH
`EFT
`Another Bill Box
`
`
`Communication
`
`
`> Notification
`Events
`
`Reports
`Bill Box Functionality
`
`
` Customer Access
`
`Any Web Site
`
`
`Any Application
`
`Any Devlca
`
`
`Bill lngut
`InelBilier
`Anomer BI" 80):
`OFX
`Other Portal Prowders
`Scanned Bills
`
`Bil! Box - Customer View
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 6 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 6 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 4 of 33
`
`US 8,533,079 B2
`
`w H i
`
`0 Ms
`
`Payments Received
`
`.
`
`Others l
`
`L OverdueBulls
`
`.
`
`Reports
`Bill Inga;
`Any desired Report
`
`
`Blll Box Functionality
`
`
`Bill Generation
`
`—> Flat Armunt
`Formula Based
`
`
`Bill Dellveg
`Another Bill Bax
`-—_—>Any Portal
`Email to Potential Customers
`Paper bl" (Mm/without mall inserts)
`
`Bill Box - Biller View
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 7 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 7 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 5 of 33
`
`US 8,533,079 B2
`
`
`
`—‘ stocks Imetaspv ' games shopping suction:
`
`
`email: billbox
`Welcome to goZnet Billbox: Your highly secure Vault for billing
`
`‘
`
`Go2Net Personal
`
`I'm a New User
`
`Send Your Bills To
`
`. Any Customer
`. Any Where
`. Any Time
`. Any Way
`
`Using secure Billbox Vault-~9—I
`Get Your Bills From
`
`0 Any Device
`c Any application
`. Any place
`, Anytime
`
`Using secure Billbox \‘aultm
`
`GoZNet
`Personal
`
`First Step is to create a user
`account. lf you have already
`done this proceed to second
`step
`W Second step is to create a
`BillBox
`Bill Box!
`
`I'm already registered for a BillBox!
`
`BillBox ID: ‘234A3234
`Login lozldemo
`Password: I
`
`'— Remember my ID a Password ( What's this?)
`Sign in l
`
`Trouble signing in?
`
`Get help signing in here.
`
`Traded on NASDAQ: EASET Copyright 0 GoZth. Inc. 1996-1999 Terms of use
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 8 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 8 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 6 of 33
`
`US 8,533,079 B2
`
`
`m Jewel's” metasoy
`
`games
`
`shopping
`
`auctions
`
`
`email 5bilibox
`Welcome to goZnet Billbox: Your highly secure Vault for billing
`
`_
`
`'
`
`GoZNet Personal
`
`Note: BillBox provides a very secure Vault to store all
`your information. There is no open data. All data is
`encrypted before it is stored. The encryption key is
`defined by you and is known only to you.
`
`the bi11~box using valid userid/password.
`
`To access your billbox, you need
`
`o Billbox id : Billbox id is an unique identification
`that is provided to each Billbox user.
`a Userid/Password : Unique combination known
`to only you.
`0 Encryption Key: Defined by you- No data can
`be accessed without this key, even if you enter
`
`Traded on NASDAQ. GNET Copyright C GoZNet, lnc. [9964999 Tcnm ofusc
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 9 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 9 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 7 of 33
`
`US 8,533,079 B2
`
`
`stocksr :‘m'etaspy" games
`
`
`
`azim-
`mu-
`
`ouiraox .
`
`Mvinbox
`
`
`shopping: audibns . email
`billbox
`
`
`Go2Net Personal
`
`COMPANM LiST'}
`
`select Biller name
`
`Amount due Date Due Status
`
`Bill
`
`PAY‘éCCOUNTS
`PREFERENCES.
`W Firstllne Visa
`[-
`ETR
`
`[— Micrucell Solutions
`
`40.07
`
`12/01/99 Unpaid
`
`115W
`
`615.51.
`247.34
`
`12/01/99 Unpaid m
`12/01/99 Sched
`
`Pay selected bills
`
`I
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 10 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 10 of 43
`
`US. Patent
`
`Sep. 10, 2
`
`013
`
`Sheet 8 0f 33
`
`US 8,533,079 B2
`
`m : stocks metéSpy ' games: shopping:
`m': t: :I:
`
` Go2Net Personal
`atticthzansfl~ emaik
`--"
`
`Bill Summary
`
`
`
`
`
`
`
`(“mill-KIWI:
`:4" BH‘ED"DR
`usuawa.»ownsv
`umsswm :3 5: :25
`
`[ah-um
`W
`
`3mm: mm
`mm»:
`Wham «mm» m»
`«covvr «a
`m. [-
`comm
`. 9| 1
`
`MCOUNI SUI/WNW (415) 819-3313
`.. W--..- .__.__...._‘__.,._‘
`
`IWDWWM?!
`Balance mud Mad
`74mm MVMSQIW: 3). 1509.me ‘
`Newt-Jam
`“IRES!" may
`Month {In Win-vammku taxonmlmoaa
`:wZn "If?”
`v,
`CAI kalzw
`Miami‘lnluéflmuyng
`_......
`_.__‘ _._ _
`.
`..__._........._..
`UH
`vim"! mungnombuuum
`fimfi'icufl‘ad
`
`lunzdhium (mun-USA.
`"—_——_—__
`’"—'
`hand”! 2“
`
`9 :3: 15
`3 ~ :6: 1i
`
`s .
`
`
`
`”9
`
`“00°
`$300
`S 3 06
`._. -._..-__...-_fi‘3.u .
`
`.
`
`.
`
`.
`
`'___'
`
`"
`
`$
`55 IN
`"7IE_“—m‘
`5 3d 5‘
`
`. '
`5 ‘ A
`$779
`
`3 ma:
`
`r.
`6 75
`)
`Tutu-5“
`ozsnx‘figygz
`Inmo‘mdue-(uncutm}
`
`
`rmnmoumnus
`
`s»WNW"
`
`MCOWNI! Will-U!(BI : “Or
`{WWmm “W“ ”on
`4163563!”
`cameraman 60KB“
`603002565930
`) tam-mi
`
`PAYMIMDUE
`aluminum!
`
`
`
`”x:
`
`mums“.
`
`'
`3 09-0”
`- .._ ._._.,
`
`mount mo:
`
`__....__._..4
`
`.'I‘ r)_~>dad
`a ‘7I':: .rum
`
`00b} OCUUDLBEEBOO UUCOHSOCOJDC COUOSOEDUCDD BUGLEDLDUT 21390004007 1
`
`I100? E LW‘! 00!:
`
`FIB
`
`
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 11 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 11 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 9 of 33
`
`US 8,533,079 B2
`
`
`
`w stocks. metaspvf ham?" Emt’pmg7.»”mm";i'zé'f'la'ifi'fbillmxI;
`bm-
`
`GoQNet Personal
`
`
`
`OUTBOX‘
`
`’
`
`.‘
`
`QOMPANY- ”5T
`PAY ACCOUNTS
`PREFERENCE5.,
`i '[m‘
`
`Company list
`
`Company
`
`Scheduled
`
`***$
`
`MICROCELL SOLUTIONS 0132
`
`2333
`
`FIRSTLINE VISA 4103 **"‘* **** 1111
`
`ETR 212****7589
`
`AMERICAN EXPRESS 3133 **** 3586
`
`Modify I
`Delete l
`Modify
`Delete I
`Modify !
`D I te e e I
`Modify I
`Delete I
`
`yes
`
`no
`
`no
`
`no
`
`Add a company
`
`I
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 12 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 12 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 10 of 33
`
`US 8,533,079 B2
`
`
`
`
`m stocks ‘ ‘V'inetaspyv ‘ géoios"*sh'oppin9_} rauctionE may; billbox g:
`.
`lull
`
`I
`
`
`GOQNet Personal
`
`.
`
`.
`
`1:
`
`'lr'vu
` .
`OUTBOX
`"
`COMPANY LIST 1
`PAY ACCOU NTS
`PREFERENCES
`CONTACT US ‘
`
`Add a company
`
`.
`.
`Please enter the requxred xnformatwm about your buller. After
`completing this Information, click add company.
`
`'
`
`Select a category :W
`Company name : [EMT—'7]
`Delivery method :my
`Account number :W
`W,
`, E177)? WW
`
`r- Enable recurring payment schedule
`
`Add
`
`Cancel
`
`I
`
`Fig. 10
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 13 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 13 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 11 of 33
`
`US 8,533,079 B2
`
`
`W sioéks ~metaspv games shoppxng . auctions emailbillboxg
`Go2NetPersonal
`bill- —m m—
`
`‘maox;»;=;;;zéri
`
`
`
`COMPANY, LIST
`
`PAY- AC‘COUNTS
`PREFERENCES,
`CONTAQT USA;
`
`
`My outbox
`
`select ailler name
`
`Amount due Date Due Status
`
`Bill
`
`F7 Comte! Telecom Solutions
`'
`[—v/
`Hydro Utility visa
`l— Acro Consultants
`
`57.75
`
`75.51
`233.34
`
`11/01/99 Paid my
`.
`11/02/99 Paid
`11/04/99 Paid
`
`115)!
`
`Delete i
`
`Fig. 11
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 14 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 14 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 12 of 33
`
`US 8,533,079 B2
`
`
`bill
`
`
`
`stocks» "mel‘aspv
`games
`shoppingl auctionsr‘ emailfbillbox
`GoZNet Pefsonal
`
`
`D‘D ~DUD'D"=€"
`
`‘ Pay Accounts
`
`COMPANY usr
`PAY ,ACCOUNTS
`' PREFERENCES
`CONTACT us
`
`TYPE
`
`NUMBER
`
`NAME
`
`”Mm
`
`
`5 New Credit Card
`F New Debit Account
`
`
`
`Account List
`
`D ACCOUNT
`ACCOUNT
`ACCOUNT
`
`
`
`
`
`
`
`
`
`
`
`Credit Card: Select credit card 1
`
`CardH
`Number:
`ExpirationDDDD'
`
`Name on
`card:
`
`
`
`ADD
`
`Fig. 12
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 15 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 15 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 13 of 33
`
`US 8,533,079 B2
`
`m stocks, [metasby ’ games'
`
`
`bin
`
`
`shopping
`auction‘s
`
`await ; ibill‘bOxfig:
`
`>'Go2Nlet Personal‘
`
`
`
`m;
`
`lNBoxa:‘>
`V
`OUTBOX
`'
`
`'
`
`I
`‘v
`'
`
`A,
`
`‘
`
`Preferences
`
`Here you Will be able to change :
`
`PAY ACCOUNTS
`PREFERENCES»
`
`IIIE
`
`CONTACT US g
`
`0 set ug email notification
`0 set ug gaxment reminder
`
`' W
`0 your Ersonal information
`
`Fig. 13
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 16 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 16 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 14 of 33
`
`US 8,533,079 B2
`
`
`m, stocks metaspy
`bill-
`
`games
`
`
`,.
`
`shopping 'Iaucti'ons: email 3 billbo'k}
`GoQNetPersanal
`
`
`
`CUTBOX
`.
`i
`..
`COMPANY LIST .-
`PA‘I’ ACCOUNTS
`
`PREFERENCES
`CONTACT US.
`
`Password Change
`
`Passwords must be between 6 and 16 characters, at least one of which is
`numeric (0—9), and at least one of which is a letter (a-z or A—Z). Special
`characters (8:, @ or ~) are acceptable, but not spaces.
`*Current Password: I
`*New Password: I
`*Re-Type New Password: I
`
`Submit
`
`I
`
`ClearI
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 17 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 17 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 15 of 33
`
`US 8,533,079 B2
`
`
`€5.35? 3 stocks {thee-em”; game's»;
`bill-
`
`Shbbpl‘ésij‘fafiéfibfis7? amau;~;;m;naox.:{ f
`
`*soz‘neéper’sanal
`
`
`
`
`OUTBOXQ ,
`
`
`comewysn
`
`
`
`Fields marked with an asterisk (*) must be entered.
`PERSONAL INFORRIATION
`
`
`
`
`
`
`
`Please make the necessary changes.
`* First Name: lJOHNNY
`Middle Name: IQ
`Last Name; ISAMPLE324
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`*User ID: 1000324
`
`Password: I
`Retype Password: 1
`
`* Email: I
`* Street Address: [703 23RD ST 5
`* City;W
`
`* State: VA
`
`4:le Code: I22202»2419
`
`*Day Phone: I
`Evening Phone: I
`
`
`
`
`
`(555-555-5555)
`
`(555-555.5555)
`
`
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 18 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 18 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 16 of 33
`
`US 8,533,079 B2
`
`
`m stocks‘ metaspy games”
`bill-
`
`shepping
`
`afluctions“
`
` '
`emailgsbiflbfivif
`--
`
`1 Go2Net Personal
`
`
`OUTBOX
`H
`
`.
`Create a Payment Reminder
`
`I
`.PAY ACCOUNTS
`days before the due date
`Send me payment reminder
`__...__ _ _._ =_ __..____.________._.___.___~.
`._____
`PREFERENCES-
`W Start sending:]Nov 9H3 v} [1999 v]
`Send how often: [Once
`Vi
`Send when: l3100pm VI
`
`
`
`Stop sending: [NOV V! '4 VI 1999 v
`
`
`
`Payment Reminder
`
`I
`
`Fig. 16
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 19 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 19 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 17 of 33
`
`US 8,533,079 B2
`
` ‘ GOZNB‘I'
`stocks metaspy ”games ',
`shep’pa‘ng
`'ahctions" email
`. biiibox {r
`GoZNet Personal
`bill-
`
`‘NBDX f Mi Mi 1L7”:
`
`
`
`Create a Reminder
`
`
`Recipients: r.”
`“W
`1
`Message:
`
`.
`
`1.]
`
`Start sending: W 15—11 [36—9-93
`Send how often: m
`Send when: W
`Stop sending: m FE]W
`
`
`Fig. 17
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 20 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 20 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 18 of 33
`
`US 8,533,079 B2
`
`- stocks
`
`51913er
`
`‘iga’mes
`
`
`
`
`
`shopping“ auctions email. 'billhoii 3:
`GoZNet 529130.13]
`
`
`bill-
`
`Contact Us
`
`W Ifyou have questions about the Billbox's service, check out our Ejeguently
`Asked Questions. Answers to most common questions are immediately
`PAY ACCOUNTS available online.
`PREFERENCES ,
`
`'
`
`To contact Billbox using email, type your message in the area below and
`' click the Send Email button. You can also speak with a Billbox Service
`Representative by calling our toll free number: l—877~BILLS4U (1-877-
`245 —5748).
`
`l . Enter your email address here: I
`
`2. Type your messa e or question below:
`
`
`3
`
`Click here:
`
`9‘ 3’
`
`.
`
`4. Please wait for your continuation message.
`
`Fig. 18
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 21 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 21 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 19 of 33
`
`US 8,533,079 B2
`
` melaSpy '3‘.“games w shopping auctions-38mm]? billbox '_
`GoQNet Personal
`my bills
`
`
`
`Sign up as a biller!
`
`If you send bills, now is the time to register. Soon you will be able
`to enjoy the savings of sending your bills electronically. No more
`hassles of folding and mailing paper bills. Fl" out the form below,
`and when you are authenticated, we will contact you by email.
`
`Company name :W
`Company address :W
`Company city : WEE——
`
`Company state : lGeorgia
`Company le :w
`Company email :W
`
`Merchant id : lMlD-O3261973
`mm29‘ a
`E'S‘ign UP?
`
`Regene—
`
`.
`
`Fig. 19
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 22 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 22 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 20 of 33
`
`US 8,533,079 B2
`
`
`stocks" :W’eiaépfi
`
`
`
`i‘Qé‘mes'KIshbfieing"auctions.3"érhéjlbiljboxxvri’k
`
`
`GdQNet Personal
`
`
`
`
`CUSTQM§3;LISI
`
`5.5!“Qibiflk
`
`
`
`f‘
`
`customize your own
`
`When you are ready
`
`N‘extc}
`
`Fig. 20
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 23 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 23 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 21 of 33
`
`US 8,533,079 B2
`
`m stocks , metaépy
`
`games? Vsh'opping Auctions : email}
`
`billbox
`
`
`
`
`GOQNetpefional
`
`
`
`
`”.1
`
`
`
`
`ohn Smith
`mm Bait: Feb 8,1999
`‘ 15 Main Street
`mm Feb 25,1999
`
`
`glean. OH 43232
`Aumflwumhc: 2&5—222—6523
`Inwin rumba-z 021453
`
`
`Si" Summary ml: Md: 2/12 In 3102
`
`
`
`Amount 01 Previous Bill
`$97.72
`
`
`aymeni Received on Dec 21. 1098. Thank You
`$97.72
`
`
`
`otaI Current Charge due by Fa: 26. 1999
`
`r? ' .- .351}
`Click here to finish fif‘nlfik
`
`
`
`Fig. 21
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 24 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 24 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 22 of 33
`
`US 8,533,079 B2
`
`
`—' stocks metaspy
`bill-
`
`games,
`
`shopping
`
`afictions _ema'll
`
`'billbox
`
`
`‘ GozNetPersonal
`
`
`
` BEL??? MEI-ATE '
`
`Design your bill template
`
`R§RQEI31 7...).
`
`
`£45981» .fil‘wl-rfirz?
`
`BLU— PREVIEWL;
`
`
`93.4 SIQMER 2.1—1.5“?
`
`
`éE'iP MA‘L
`
`
`
`How will bill data be provided?
`
`select prcgtam
`
`F Quickbooks
`(‘
`Peachtree
`
`F Pnnter Datastream
`
`V Database export
`(2 Other
`
`When you are readyM
`
`Fig. 22
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 25 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 25 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 23 of 33
`
`US 8,533,079 B2
`
`
`
` 7 metaspy games
`
`shopping rauctions'
`
`email
`
`billbox
`
`GoZNet Personal
`
`
`
`Invoice
`
`Here you can send a one time only invoice. Use this as an
`alternative to creating a template for one time transactions. Enter
`your information below and simply dick send when you are
`finished.
`
`Fields marked with an * must be completed.
`
`* Biller's name :
`Amount Options :
`* Recipients:
`
`*
`
`Description of sewice/item:
`
`lDoe Lawn Services
`lAmount Due v‘l
`lindividual v|
`
`Lawn mowing
`
`A
`:J
`
`{ME-1‘?"
`.n'.’ 3:9-
`.
`2““ i,
`'
`. .
`
`Qon’g‘lgqes; «Resfietgz
`
`
`
`
`
`
`
`
`
`Fig. 23
`
`.weoariaiwm
`BlLL EBEMEW
`
`
`
`iguegrgmaysr
`§.§Np.»MA',L;LI...W ,-
`
`
`
`
`
`
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 26 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 26 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 24 of 33
`
`US 8,533,079 B2
`
`
`
`" "G’c’féflgifijééfiéi ‘
`
`
`
`
`
`
`w-«M stbmm-imétééfiv' Ween-res shébping" “"auctions"“‘“v' email' “=“l3i!lbb'3<"""§:"‘
`
`i‘eip log out
`
`
`
`Invoice (Step No 2)
`
`Fields marked with an * must be completed.
`
`m.”—
`* meux Id :
`Amount due : Er”
`Mlnimum amount due : h.“
`* Date due : W
`
`Send Now I
`
`Send Later
`
`I
`
`Fig. 24
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 27 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 27 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 25 of 33
`
`US 8,533,079 B2
`
`
` m stock;W metaspvn' Ugamasv-w $565699th
`bill
`
`hectic
`
`' Swag; {absiibox117 3
`
`
`
`
`" “deNetpetsbpér
`
`
`my ENEMY?“
`Nome; -
`
`
`
`Invoice
`
`This is what your invoice wm look like. Preview all the information,
`then click send when you are done.
`
`!ME§’RT WEE-S ‘r
`
`'
`
`*
`
`
`" dial current charge due by Dec 11. 1998
`
`Hoe Lawn Services
`
`{anf Smith
`:smthhoima" 00m
`
`M Date: NW 11, 1999
`
`mam- Inc 11, mg
`Man-amunbc 545356-8875
`laminaWe: 021454
`
`, Lawn mowing
`
`
`
`Fig. 25
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 28 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 28 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 26 of 33
`
`US 8,533,079 B2
`
`
`
`mm$w.slncksllhr.mezaspww 'galsfies'wifuéhoooiog; Liebeiiobs «‘4' ‘emal’lm billbox» "‘5‘‘ 541302519: peg-55a
`
`3": “hm?"
`
`bill
`
`§!E¥+:I§MREBI§;
`
`
`U‘lMQIQE;
`
`
`BEEQBT$:-.. :...I
`l _’
`
`
`lMEQRLE' Mrs?»
`
`EILLEREYLEX £11“
`
`
`
`
`Report builder
`
`Use this for to create a report of your client's transactions.
`
`Report type :
`Report date :
`Sort by :
`
`VI
`
`[Summary
`IMOI'I, NOV 01.1999 VI
`Ilnvoice number v[
`
`Build report
`
`I
`
`Cancel
`
`I
`
`Fig. 26
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 29 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 29 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 27 of 33
`
`US 8,533,079 B2
`
`
`
`6535 g: (heiaswnibgamesJ shbbping"""’aucfibr'is"" 'é'r‘nail "'billbdkwf
`
`
`bill
`
`
`'535Nét‘pér5555;
`
`filial-MIEMPLRTEV‘
`
`
`"
`EEWRTSH ,_
`_
`
`
`‘ IMPORT BILLS;
`
`
`V “$3.35“ W ‘:‘
`QQEIQM E R, .1451
`
`SPEND, My; 1.4“ e
`-
`
`
`
`
`
`Reports
`
`number of bills paid
`
`number of bills sent
`
`number of bins published
`
`number of bills not published
`
`number of bills Q.A.'d
`
`208
`
`250
`
`250
`
`0
`
`250
`
`Fig. 27
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 30 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 30 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 28 of 33
`
`US 8,533,079 B2
`
`
`
`,mm”:Nmogxsgmgmemsmsgsamas'm,Emma;1738mm, semen. .. biflboxhq'im_.
`
`cam Pé'rs—onaf '
`
`
`
`mu
`
`Bfl-L; TEMPLATE:
`meson; ..
`::..1’-
`
`REPQBI§;1;_ ‘
`
`E5
`
`
`
`
`
`
`r r! '
`raw
`
`BILL RREV] EWH ’.
`'I;
`9951925531451
`
`
`5:129» man-“:45;
`
`
`Upload Bills
`
`John Smith's Com : uter (Local)
`
`John Smith's Billbox (Internet)
`
`1) Select Filename (click circle)
`
`Find filename:
`I
`
`Browse...
`
`I
`
`1) Cfick Browse
`2) Find file on Hard Disk
`3) PTSSS >> to Transfer
`
`(Help)
`
`Status
`
`Received
`Processed
`Error
`
`Descrlpflon
`Date
`11-13-98
`BilINo‘l
`1143-98
`smNoz
`11-13-98
`am No 3
`
`Done I
`
`Fig. 28
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 31 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 31 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 29 of 33
`
`US 8,533,079 B2
`
`gm mocks ,‘,l.‘.mela§m;;,.; g'ames'm'“ 5:169an ,,,’J..auk:fians...fe‘rfiéillgbillbox
`.-::e a bllier‘?
`
`‘1 552m glam,
`
`
`
`Bill quality assurance
`
`0 choose the bill you would like to preview.
`0 When you are satisfied with these bills, click 'send the bills’ to release them to
`your clients.
`
`
`
`m-“JSéndl’a't'er -
`
` J
`
`Account# 245-222-6523 ‘9‘ {flew
`
`l3RIEdigBjils~
`
`
`$109.69
`
`John Smith
`15 Main Streel.
`Toledo, OH 43232
`
`Statement Date: November 2, 1999
`Due date: November 26, 1999
`NEW": number: 245-222—6523
`Invoice number: 021453
`
`Bill Summary
`
`Billlng Period: 2/10 to 2/11
`
`Amour“ of Previous Bill
`
`$97.72
`
`Payment Received on October 18, 1999. Thank You
`
`Total Current Charge due by November 26, 1999
`
`Fig. 29
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 32 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 32 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 30 of 33
`
`US 8,533,079 B2
`
`
`
`
`
`
`f stocks‘ metaspy games >
`
`shepping Nauttions . ‘Iomail' i'billbox
`are fox; 2 tiller?
`Iogout
`
`
`GozNet Personal .‘
`
`Bill quality assurance
`
`0 Choose the bill you would like to preview.
`0 When you are satisfied with these bills, click 'Send the bills' to release them to
`your clients.
`
`5§N9.1M_PJE.;
`
`
`
`
`
`
`Joh Sm'th
`15 33‘" ISWSL
`Toledo. OH 43232
`
`Statement Date; Nov 2' 1999
`Duo date;
`NOV 26, 199‘.
`Account number: 245-222-6523
`02 1453
`Invoice number:
`
`
`
`
`
`
`
`
`
`Billing Period: 2/10 to 2/11
`
`
`Paymem Wed on IOCtOber 18' 1999'
`Thank You
`$97~72
`
`
`I
`Total Current Charge due by INOV 26. 1 99.
`
`
`Amount of Previous am
`
`5:97 .72
`
`
`
`Bill Summary
`
`Done I
`
`Fig. 30
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 33 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 33 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 31 of 33
`
`US 8,533,079 B2
`
`
`
`
`shopping
`sdz'ué‘tf Péiédfiaji._
`
`
`
`are 13'. :- till-”Er"
`mybills
`
`bill
`
`Customer list
`
`Here you can add, modify or detete your customer accounts.
`
`_
`,c'-;.,:,r,:..—
`
`’Aquunt Orgamzer
`
`
`
` o
`
`
`9fAdaacustomer;‘
`
`Account
`
`BinBox id
`
`Steven Ritchie 257895
`Marco Sousa 254865
`Dave Moulton 558423
`Sean Vanzante 025453
`Scott Dyment 201256
`Tony Casclaro 959685
`
`115425
`335263
`985465
`039455
`054879
`356585
`
`Modify I Delete I
`Modify I Biggie. I
`
`
`Modify I
`'
`:lpé‘jféfie
`'-- 555“»:-
`.
`
`Modify I ”Deb“?
`.
`53"”!
`Dele'te
`
`
`Modify I
`, w
`Y—Mre'
`.
`Modify I DeLe‘fe I
`
`._.AM... ._- w— ._:.1
`IMPORT.BILLS
`
`
`
`Fig. 31
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 34 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 34 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 32 of 33
`
`US 8,533,079 B2
`
`aiLLJEMPLATE;
`
`Add an account
`
`
`
`
`aim-s WW
`Cfient's account number: WEE-6‘..—
`Cllent‘s e-mail address:W
`Add 311%; f“—
`
`GUSTO
`
`
`
`
`
`
`g-Adqiéccoqniéiré
`
`
`
`
`Cgfiéeiii‘3
`
`Fig. 32
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 35 of 43
`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 35 of 43
`
`US. Patent
`
`Sep. 10, 2013
`
`Sheet 33 of 33
`
`US 8,533,079 B2
`
`0
`
`m stocks‘ metaspy
`
`gamés
`
`shpppi‘ng‘
`
`auctions
`
`email
`
`billhox
`
`- Go2NetPérsona1
`
`bm-
`
`
`‘EEIFL IEM‘PLATEV
`more: “ “
`i
`REPORTS .
`
`
`
`IMPORT BILLS
`‘ BILL PREVIEW
`
`QUSTOMER LIST
`
`Send e-mail to customer
`
`To: IJSmith@Derivion.con_
`
`subject: 'Payment Remainder" _
`
`Text:
`
`Fig. 33
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 36 of 43
`Case 6:21-cv-00121-ADA Document 1—4 Filed 02/04/21 Page 36 of 43
`
`US 8,533,079 B2
`
`1
`INTEGRATED SYSTEMS FOR ELECTRONIC
`BILL PRESENTMENT AND PAYMENT
`
`This is a continuation of application Ser. No. 09/751,265,
`filed Dec. 29, 2000 now US. Pat. No. 7,945,491, which is
`incorporated herein by reference.
`The present invention relates generally to electronic com-
`merce, and more particularly to methods and systems for
`integrating electronic bill presentment and payment among
`billers, consumers, banks and other financial institutions,
`electronic payment facilitators, and web portals and other
`spaces able to support an interface for presentment and/or
`payment of bills.
`
`BACKGROUND OF THE INVENTION
`
`Billing consumers for goods and services has always been
`a necessary exercise and transaction cost of engaging in
`credit-based commerce. Traditionally, businesses bill con-
`sumers for goods and services by generating and mailing
`paper bills or invoices. There are many obvious business
`concerns relative to paper-based billing. Companies utilizing
`paper-based billing do so at a substantial cost. For example, a
`company with 100,000 accounts which are billed on a
`monthly basis may spend over two million dollars a year in
`paper-based billing expenses. Much of this expense stems
`from the cost of materials, postage, and manual processing of
`the paper bills, inserts, and envelopes.
`Other significant logistical and business concerns detract
`from the paper-based billing option. The time delay associ-
`ated with sending bills and receiving payments via conven-
`tional mailing deprive companies of the time value of money
`and therefore create additional transactional costs. This time
`
`delay is particularly troublesome to small billers and non-
`recurrent billers who tend to rely more heavily on cash flow.
`Paper-based billing can also deprive billers of an opportu-
`nity to build brand. Although many paper billers include
`various types of marketing inserts with their bills in an
`attempt to use the billing activity as an additional opportunity
`to make favorable brand impressions on the consumer, those
`materials cannot be targeted as effectively as in an interactive
`session. For instance, billers do not have significant realistic
`control over the circumstances under which, or whether, a
`consumer views particular inserts.
`Indeed, studies have
`shown that many consumers disregard such inserts altogether.
`The development of the Internet creates new opportunities
`to transact business electronically, including to conduct the
`billing presentment and payment process electronically, in an
`on-line way or otherwise. Some refer to various aspects ofthe
`electronic billing process as electronic bill presentment and
`payment (EBPP). Instead of mailing paper bills, EBPP
`enables businesses to publish, distribute and/or present bills
`electronically on web pages. Instead of writing checks and
`applying stamps, consumers have the opportunity to pay bills
`by an electronic credit card charge or direct bank draft. The
`biller benefits by avoiding the cost of generating and mailing
`paper bills, and by avoiding the payment float occasioned by
`two-way mail delay and other delays in paper-based remit-
`tance. The consumer benefits with the added convenience of
`
`conducting transactions online, and the opportunity to pay
`many or all bills on one site or in one virtual space.
`In practice, however, there are significant concerns with
`conventional approaches to EBPP. For example, in one com-
`mon approach to EBPP, which is often referred to as the
`custom development method, billers create a proprietary
`electronic billing system and link it to a third-party for pay-
`ment processing. Because custom development is mostly an
`
`10
`
`15
`
`20
`
`25
`
`30
`
`35
`
`40
`
`45
`
`50
`
`55
`
`60
`
`65
`
`2
`
`internal EBPP solution, it gives billers the advantage of tight
`control over the billing system. However, this type of solution
`is very costly. Not only is it a technology risk because billers
`lose the flexibility to adapt to other EBPP standards, but it
`requires a substantial amount of manpower and infrastruc-
`ture. Furthermore, such systems innately discourage con-
`sumer use or popularity, since the consumer is required to log
`onto and initiate a session on a separate site for each different
`bill the consumer wishes to pay.
`A second common EBPP approach, which is referred to as
`the consolidator approach, presents its own set of problems.
`This method of enabling EBPP trades control of the billing
`interface and branding opportunity for a reduction in cost,
`risk, and internal stafiing by outsourcing the EBPP to a third
`party consolidator. Here, the electronic payment processor
`takes on a lock box function of holding and moving cash
`during billing and payment. The payment processor performs
`an aggregation function by presenting multiple billers’ state-
`ments at a single, consolidating web site. Not only does
`interposition of the consolidator and its interface between
`billers and consumers interrupt any existing relationship, but
`it also precludes exploitation of new biller opportunities to
`interact with consumers.
`
`In addition to the problems already mentioned, existing
`EBPP enabling methods have various other disadvantages.
`For example, they remain an expensive option for mo st billers
`who lack sufiicient economies of scale necessary to overcome
`the high fixed cost of implementation. These EBPP methods,
`which primarily focus on reducing biller costs, also often fail
`to address the issue of consumer convenience adequately,
`much less to provide effective incentives for consumer adop-
`tion.
`
`Furthermore, conventional EBPP approaches, which seek
`to implement EBPP on portal interfaces, often require redun-
`dant resources supported by multiple entities and conse-
`quently waste processing and transport
`resources. For
`example, using existing EBPP methods, if a consumer desires
`to pay AT&T bills electronically at a website such as Yahoo-
`.com., the following occurs. First, the consumer requests that
`Yahoo .com receive the AT&T bill and send it to the consumer.
`
`Then, assuming AT&T partners with an electronic payment
`facilitator such as CheckFree, Yahoo.com makes a request to
`CheckFree. Finally, CheckFree initiates the request to AT&T.
`Because each of these entities are independent, each requires
`its own resident database and other support functionality.
`Such conventional portal-supported EBPP approaches pro-
`vide significant opportunity for improvement.
`
`SUMMARY OF THE INVENTION
`
`The present invention provides fully integrated, end-to-end
`electronic bill presentment and payment systems. Such sys-
`tems support integrated EBPP access and functionality for
`billers, consumers, banks, other financial institutions, and
`other electronic payment facilitators, any or all of which can
`be transacted at a web portal, web site or other interface or
`virtual space (“Portal Interface”). Such systems can support
`such activities at multiple portals, so that consumers and
`others have the choice of paying bills and accomplishing
`other EBPP transactions in whatever virtual space or at what-
`ever site they desire. The systems provide consumers, billers
`and others the ability to self-enable EBPP by interacting with
`the portal interface such as via a series of web pages. Such
`systems of the present invention can control all interactions
`between billers and consumers from the portal interface. In
`addition, the systems can seamlessly orchestrate all other
`transactions with payment facilitators and banks. Therefore,
`
`

`

`Case 6:21-cv-00121-ADA Document 1-4 Filed 02/04/21 Page 37 of 43
`Case 6:21-cv-00121-ADA Document 1—4 Filed 02/04/21 Page 37 of 43
`
`US 8,533,079 B2
`
`3
`all EBPP functionality and processes can be controlled by
`systems and processes according to the present invention.
`The Portal Interface controlled by systems of the present
`invention provides individual consumers with a secure per-
`sonalized electronic bill portfolio where they can schedule,
`view, and pay their electronic bills. The Portal Interface con-
`trolled by such systems also enables billers to create con-
`sumer accounts and electronically publish their bills on a
`personalized electronic bill portfolio for