Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 1 of 39
`ee” STATA ATTAATT A
`
`US010600046B2
`
`a2) United States Patent
`US 10,600,046 B2
`(10) Patent No.:
`
` Xie et al. (45) Date of Patent: Mar.24, 2020
`
`
`(54) METHOD AND APPARATUS FOR MOBILE
`PAYMENTS
`
`(71) Applicant: (us) Corporation, Fremont, CA
`
`(72)
`
`Inventors: Xiangzhen Xie, Shenzhen (CN); Liang
`Seng Koh, Fremont, CA (US); Hsin
`Pan, Fremont, CA (US)
`.
`.
`(73) Assignee: RFCyber Corporation, Frement, CA
`(US)
`:
`oo,
`:
`Subject to any disclaimer, the term ofthis
`patent is extended or adjusted under 35
`U.S.C. 154(b) by 438 days.
`
`:
`(*) Notice:
`
`(21) Appl. No.: 14/728,349
`
`(22)
`
`Filed:
`
`Jun.2, 2015
`
`(65)
`
`Prior Publication Data
`US 2015/0278800 Al
`Oct. 1, 2015
`
`Related U.S. Application Data
`(63) Continuation of application No. 13/853,937, filed on
`Mar. 29, 2013, now Pat. No. 9,047,601, which is a
`(Continued)
`
`(51)
`
`Int. CL
`G06Q 20/32
`G06Q 20/10
`
`(2012.01)
`(2012.01)
`(Continued)
`
`(52) U.S. Cl.
`CPC ....... G06O 20/3278 (2013.01); G06 20/102
`(2013.01); G06Q 26/20 (2013.01);
`(Continued)
`
`(58) Field of Classification Search
`CPC wee G06Q 20/3278; GO6Q 20/204; G06Q
`20/3223; G06Q 20/20; G06Q 30/04;
`
`(56)
`
`(Continued)
`
`References Cited
`
`U.S. PATENT DOCUMENTS
`7,962,369 B2*
`6/2011 Rosenberg... G06Q 20/20
`705/26.1
`........... G06Q 20/4012
`235/379
`
`5/2012 Aidasani
`
`8,172,135 B1*
`
`(Continued)
`
`FOREIGN PATENT DOCUMENTS
`
`JP
`WO
`
`11073542 A *
`WO-2012000438 Al *
`
`3/1999
`1/2012 wo... GO7F 7/0866
`
`OTHER PUBLICATIONS
`
`MasterCard International Incorporated, Partnering for performance
`ith e-busi
`Luti
`. 8
`WEY
`COUSINESS SOMMNODSsP
`Primary Examiner — Ashford S Hayles
`(74) Attorney, Agent, or Firm — Joe Zheng
`(57)
`ABSTRACT
`Techniques for mobile devices configured to support settle-
`ment of charges in electronic invoicesorbills are described.
`An NEC mobile device is used to read off from a POS device
`data pertaining to the electronic invoices for payment. The
`data includes the electronic invoice and other information
`regarding a registered user of the POS device or an owner
`thereof is. After the user verifies the amount being charged
`and authorizes the payment, the NFC mobile device com-
`municates with a payment gateway or network for payment
`that is configured to proceed with the payment in accordance
`with a chosen payment methods.
`
`120
`
`106
`
`FOS with contactless 1S
`readec OR NEC cevice with
`
`= bi
`a
`=
`bil
`fectr
`Electronic bit
`
`| Smart bill enabled application sends tte transaction information
`
`|
`to the sackend smart ili gateway for processing
`
`Smart. bill gateway verifies the electronic bill and reiects if the
`oayment amountis fess than the billed amount.
`
`424
`
`126
`
`130
`
`132
`
`20 Claims, 22 Drawing Sheets
`pececceceeeeeeeceeeeeeeeseceeceeeeeeceeeeeeeeenceeeeeeneees
`| Merchant POS preparesenelectronic bill and writestea
`'
`} smart bill applet on his contactiess smart card er SE on NFO
`
`
`Customerservice delivers
`2 contactless smart bill catd (ar
`
`
`SE} to customer
`
`
`
`
`Payment Network
`vart
`hill enabled
`
`
`watlet
`application retrieves
`the electronic bili signed by the
`smart bill appiet
`
`
`Payment Authorization Request
`
`
`Electronic bilis displayed on the NEC device screen for
`128
`customerto verify the amount and addatip if he wishes.
`
`
`
`Smart Bilt Payment Gateway 4pa
`4 coat
`A Payment Authorization
`Payment info with“
`“Response
`electronic bill
`
`
` SE (such as Mobile POS)
`Personal NFC device
`with wallet software iio
`
`\ ;“|
`Contactless smart
`‘
`uy
`
`Signed electronic bit
`gard (or secure
`i
`element in NFO
`!
`devices)with arnart
`|___bitl apptet
`108
`
`
`
`
`ion response,
`
` w
`
`Serart bith gateway uses the traditionalfinancial payment network
`flow to send payment request and get payment response. aise
`can use new online payment methed such as Paypal or Akipsyto
`
`complete t
`ion.
`
`
`
`
`136
`
`

`

`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 2 of 39
`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 2 of 39
`
`US 10,600,046 B2
`
`Page 2
`
`Related U.S. Application Data
`oo,
`i.
`continuation-in-part of application No. 13/350,832,
`filed on Jan. 16, 2012, now abandoned, which is a
`continuation-in-part of application No. 11/534,653,
`filed on Sep. 24, 2006, now Pat. No. 8,118,218.
`
`(51)
`
`(60) Provisional application No. 61/618,802, filed on Apr.
`1, 2012.
`Int. Cl.
`G06Q 20/34
`G06Q 20/36
`G06Q 20/40
`G06Q 30/06
`G060 20/20
`G06Q 30/04
`(52) U.S. Cl.
`CPC ....... G06Q 20/204 (2013.01); G06Q 20/3223
`(2013.01); G06Q 20/3227 (2013.01); G06Q
`20/352 (2013.01); G06O 20/3552 (2013.01):
`G0620/3672 (2013.01); GO6Q 20/49
`(2013.01); G06Q 30/04 (2013.01); G06Q
`30/0601 (2013.01)
`
`(2012.01)
`(2012.01)
`(2012.01)
`(2012.01)
`(2012.01)
`(2012.01)
`
`(58) Field of Classification Search
`CPC wee G06Q 20/102; G06Q 20/352; G06Q
`20/3552: G06Q 20/3672: G06Q 20/40:
`;
`;
`;
`G06Q 30/0601; GO6Q 20/3227
`USPC cieccecccccscesecsecescesseceeeesseeeeeesecneesaeeneenaes 705/21
`See application file for complete search history.
`
`(56)
`
`References Cited
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`9/2012 Poniatowski
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`6/2012 von Behren........ G06Q 20/367
`705/64
`......... G06Q 30/06
`235/462.45
`8,341,083 BL* 12/2012 Jain veces HO4L 63/083
`705/41
`8,565,676 B2* 10/2013 Gormley......... H04M 1/274516
`455/41.1
`8,577,731 BL* 11/2013 Cope veces G06Q 20/3224
`705/17
`8,601,266 B2* 12/2013 Aabye vcs GOGF 21/445
`713/168
`2/2014 von Behren........ G06Q 20/367
`719/311
`7/2004 Goldthwaite ........ GO6K 7/0004
`455/558
`4/2006 Wei veesscssccccccccecceece G06Q 50/12
`705/15
`6/2007 Ho crecsscsscccccsccseceeee GO6K 19/07
`235/492
`4/2008 Narendra ............ G06Q 20/341
`235/492
`5/2008 COX veecsscsccscseeeee G06Q 20/20
`705/67
`7/2008 Wentker wc... G06Q 20/32
`455/414.1
`6/2009 Bishop vececccccscceee G06Q 20/02
`705/19
`.......... G06Q 20/0855
`705/67
`2009/0289106 Al* 11/2009 Bishop veccccccccccee G06Q 20/02
`235/379
`2009/0307140 Al* 12/2009 Mardikar ........... G06Q 20/1085
`705/71
`5/2010 Skowronek oc... G06Q 20/40
`705/44
`
`8,646,059 B1*
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`2004/0127256 Al*
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`2006/0085266 Al*
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`2007/0131780 AL*®
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`2008/0093467 Al*
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`2009/0248579 A1* 10/2009 Kaminski
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`2011/0066550 AL*
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`2011/0113473 AL*
`.
`OINOLIT839 AT
`2011/0155800 Al*
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`2011/0173060 Al*
`
`7/2011 Gallagher
`
`8/2010 Aabye weccccceenn G06Q 20/10
`705/44
`8/2010 Wollbrand....... GO06K 19/07769
`235/380
`2010/0274677 Al* 10/2010 Florek oe G06Q 20/10
`705/16
`2010/0274726 Al* 10/2010 Florek wc G06Q 20/20
`705/72
`2010/0306076 A1* 12/2010 Taveat «es 8os
`2010/0325048 AL* 12/2010 Carlson vcs. G06Q 20/20
`705/44
`2011/0042456 AL*
`2/2011 Masaryk cscs G06Q 20/20
`335/380
`3/2011 Shank wc G06Q 20/1085
`705/43
`3/2011 Pirzadeh .............. G06Q 20/32
`705/44
`4/2011 Batada vcs GO6F 21/72
`705/318
`5/2011 Florek wo. G06Q 20/20
`705/50
`5/2011 Corda ween G06Q 20/32
`.
`726/3
`5/2011 Rhelimi0. OR
`6/2011 Mastrangelo........ G06Q 20/352
`935/379
`.......... G06Q 20/0425
`705/14.27
`7/2011 Narendra ........... GO06K 19/0701
`235/492
`10/2011 Kelly. ceccssssseensen G06Q 20/14
`705/40
`2011/0258120 Al* 10/2011 Weiss... GO6F 21/32
`705/44
`3/2012 Hultberg ............ G06Q 20/32
`705/26.41
`3/2012 Bacastow .......... G06Q 20/3223
`705/44
`5/2012 Klein viene G06Q 20/102
`705/40
`5/2012 Norair eee G06K 7/0008
`235/380
`5/2012 Romagnoli............ G06Q 20/10
`705/44
`6/2012 Ho wesc G06Q 20/10
`705/16
`6/2012 von Behren........... G06Q 20/10
`705/41
`7/2012 Narendra......... GOG6K 19/06187
`455/420
`9/2012 Everett cee G06Q 20/10
`705/41
`2012/0253974 Al* 10/2012 Haikonen ............ G06Q 20/29
`705/26.41
`11/2012 Dryer occ G06Q 20/3278
`705/14.23
`11/2012 Mullen we G06Q 10/00
`705/39
`11/2012 LU wees G06Q 20/352
`705/41
`11/2012 Canes ...ceecee HO4L9/3234
`726/3
`2012/0317628 AL* 12/2012 Yeager wesc G06Q 20/204
`726/5
`1/2013 Kannappan ............ G06Q 20/40
`705/71
`.............. G06Q 20/325
`235/380
`2/2013 Brendel wo... G06Q 20/12
`705/26.41
`............ G06Q 20/3276
`705/26.41
`3/2013 Barton vcs G06Q 20/3223
`705/14.23
`
`2011/0180610 Al*
`2011/0251952 AL*
`
`2012/0072309 Al*
`
`2012/0078792 Al*
`
`2012/0116963 AL*
`
`2012/0118952 AL*
`
`2012/0136786 A1l*
`
`2012/0143702 AL*
`
`2012/0166333 Al*
`
`2012/0178433 Al*
`
`2012/0239566 Al*
`
`2012/0290376 AL*
`
`2012/0290472 AL*
`
`2012/0296819 AL*
`
`2012/0304255 AL*
`
`2013/0024383 Al*
`
`2013/0048717 AL*
`
`2/2013 Brendel
`
`2013/0054412 Al*
`
`2013/0054413 Al*
`
`2/2013 Brendel
`
`2013/0060618 AL*
`
`

`

`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 3 of 39
`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 3 of 39
`
`US 10,600,046 B2
`
`Page 3
`
`(56)
`
`References Cited
`U.S. PATENT DOCUMENTS
`
`2013/0060699 Al*
`
`2013/0097031 Al*
`
`2013/0097080 Al*
`
`2013/0103574 A1*
`
`2013/0124349 A1*
`
`2013/0132219 Al*
`
`2013/0138517 Al*
`
`2013/0138518 Al*
`
`2013/0138959 AL*
`
`2013/0140360 Al*
`
`2013/0144731 Al*
`
`2013/0151292 A1l*
`
`2013/0151400 Al*
`
`2013/0152185 Al*
`
`2013/0160134 Al*
`
`3/2013 Romagnoli
`
`............ G06Q 20/10
`705/44
`4/2013 Royyuru oe, G06Q 20/20
`705/16
`4/2013 Smets wee GO6T 1/20
`705/44
`4/2013 Conrad we G06Q 20/36
`705/39
`5/2013 Khan wee G06Q 20/36
`705/21
`5/2013 Liberty wo... G06Q 20/202
`705/21
`5/2013 Khan wee G06Q 30/00
`705/16
`5/2013 White wo. G06Q 20/204
`705/16
`5/2013. Pelly oe HO4L 9/083
`713/168
`6/2013 Graylin 0... G06Q 20/322
`235/380
`6/2013 Baldwin ou... G06Q 20/20
`705/17
`6/2013 Van Deloo .......0... G06Q 10/02
`705/5
`6/2013 Makhotin ............ HO4W 12/08
`705/39
`6/2013 Singh we GO6F 21/35
`726/9
`6/2013 Marcovecchio ... G06Q 20/3563
`726/26
`
`2013/0171929 A1*
`2013/0173736 Al*
`
`2013/0198086 Al*
`
`2013/0200999 Al*
`
`2013/0203345 Al*
`
`2013/0218766 Al*
`
`2013/0221092 Al*
`
`2013/0226812 Al*
`
`2013/0246258 Al*
`
`2013/0254102 Al*
`
`7/2013) Adams o........cccee HO04W 4/80
`455/41.1
`7/2013 Krzeminski.
`.......... HO4W 12/10
`709/213
`8/2013 Mardikar ........... G06Q 20/1085
`705/71
`8/2013 Spodak ....... GOS5B 1/01
`340/5.65
`8/2013 Fisher ........8. HO04B 11/00
`455/41.1
`8/2013 Mueller... G06Q 20/32
`705/42
`8/2013 Kushevsky........ G06Q 20/3672
`235/379
`8/2013 Landrok ............. G06Q 20/32
`705/67
`9/2013 Dessert «0.0.00... G06Q 20/40
`705/41
`9/2013 Royyur ........... G06Q 20/382
`705/39
`2013/0334318 Al* 12/2013 Wakerly ............. G06Q 20/3576
`235/492
`2013/0339253 AL* 12/2013 Sincai ww . G06Q 20/3227
`705/71
`2013/0346305 AL* 12/2013 Mendes... G06Q 20/351
`705/41
`1/2014 Kuhn .......ee G06Q 20/36
`705/41
`....cccccccc. GO6E 21/32
`7126/5
`cecccccccccccsceeee G06Q 20/322
`705/41
`
`2014/0012751 A1l*
`
`2014/0013406 Al*
`
`1/2014 Tremlet
`
`2014/0095382 AL*®
`
`4/2014 Desai
`
`* cited by examiner
`
`

`

`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 4 of 39
`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 4 of 39
`
`U.S. Patent
`
`Mar.24, 2020
`
`Sheet 1 of 22
`
`US 10,600,046 B2
`
`100
`
`Smart Bill Payment Gateway
`
`
`
`104
`
` Payment Network Payment Authorization Request
`
`Payment Authorization
`
`Response
`Paymentinfo with
`
`electronic bill
`
`
`POSwith contactless
`196
`
`
`
`Personal NFC device
`reader OR NFCdevice with
`
`
`
`with wallet software
`SE (such as Mobile POS)
`110
`
`
`
`Contactless smart
`Signed electronicbill
`Electronic bill
`
`
`
`card (or secure
`element in NFC
`
`
`devices) with smart
`bill applet
`108
`
`FIG. 1A
`
`

`

`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 5 of 39
`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 5 of 39
`
`U.S. Patent
`
`Mar.24, 2020
`
`Sheet 2 of 22
`
`US 10,600,046 B2
`
`Merchant POS preparesan electronic bill and writes to a
`
`device
`
`122
`
`124
`
`126
`
`customer to verify the amount and addatip if he wishes 128
`
` 120
`
`smart bill applet on his contactless smart card or SE on NFC
`
`
`
`
`
`Customer service delivers the contactless smart bill card (or
`SE) to customer
`
`
`
`
`
`Customer with NFC device installed with a smart bill enabled
`wallet application retrieves the electronic bill signed by the
`
`smart bill applet
`
`
`Electronic bill is displayed on the NFC device screen for
`
`
`
`
`
`Customer can choose a payment methodthat he has enrolled
`
`in his wallet application to initiate the payment 130
`
`
`
` 132
` Smart bill enabled application sends the transaction information
`
`to the backend smart bill gateway for processing
`
`
`
`payment amountis less than the billed amount.
`
`
` Smart bill gateway uses the traditional financial payment network
`flow to send payment request and get payment response. ft also
`can use new online payment method such as Paypal or Alipay to
`
`complete transaction.
`
`
`Oncethe transaction is approved or denied, the payment
`
`
`authorization response will return to the payment gatewayto be
`
`forwarded back to the merchant
`
`
`Smartbill gateway verifies the electronic bill and rejects if the
`
`
`
`134
`
`
`
`
`136
`
`138
`
`FIG. 1B
`
`

`

`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 6 of 39
`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 6 of 39
`
`U.S. Patent
`
`Mar.24, 2020
`
`Sheet 3 of 22
`
`US 10,600,046 B2
`
`002
`
`COG
`
`ddy
`
`VeSls
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`

`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 7 of 39
`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 7 of 39
`
`U.S. Patent
`
`Mar.24, 2020
`
`Sheet 4 of 22
`
`US 10,600,046 B2
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`

`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 8 of 39
`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 8 of 39
`
`U.S. Patent
`
`Mar. 24, 2020
`
`Sheet 5 of 22
`
`US 10,600,046 B2
`
`OSC
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`
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`
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`

`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 9 of 39
`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 9 of 39
`
`U.S. Patent
`
`Mar.24, 2020
`
`Sheet 6 of 22
`
`US 10,600,046 B2
`
`déDia
`
`
`
`3a
`
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`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 10 of 39
`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 10 of 39
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`U.S. Patent
`
`Mar.24, 2020
`
`Sheet 7 of 22
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`US 10,600,046 B2
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`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 11 of 39
`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 11 of 39
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`U.S. Patent
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`Mar.24, 2020
`
`Sheet 8 of 22
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`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 12 of 39
`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 12 of 39
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`U.S. Patent
`
`Mar.24, 2020
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`Sheet 9 of 22
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`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 13 of 39
`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 13 of 39
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`U.S. Patent
`
`Mar.24, 2020
`
`Sheet 10 of 22
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`US 10,600,046 B2
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`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 14 of 39
`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 14 of 39
`
`U.S. Patent
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`Mar.24, 2020
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`Sheet 11 of 22
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`US 10,600,046 B2
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`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 15 of 39
`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 15 of 39
`
`U.S. Patent
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`Mar.24, 2020
`
`Sheet 12 of 22
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`US 10,600,046 B2
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`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 16 of 39
`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 16 of 39
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`U.S. Patent
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`Mar.24, 2020
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`Sheet 13 of 22
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`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 17 of 39
`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 17 of 39
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`U.S. Patent
`
`Mar.24, 2020
`
`Sheet 14 of 22
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`US 10,600,046 B2
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`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 18 of 39
`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 18 of 39
`
`U.S. Patent
`
`Mar.24, 2020
`
`Sheet 15 of 22
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`US 10,600,046 B2
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`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 19 of 39
`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 19 of 39
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`U.S. Patent
`
`Mar.24, 2020
`
`Sheet 16 of 22
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`US 10,600,046 B2
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`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 20 of 39
`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 20 of 39
`
`U.S. Patent
`
`Mar.24, 2020
`
`Sheet 17 of 22
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`US 10,600,046 B2
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`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 21 of 39
`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 21 of 39
`
`U.S. Patent
`
`Mar.24, 2020
`
`Sheet 18 of 22
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`US 10,600,046 B2
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`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 22 of 39
`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 22 of 39
`
`U.S. Patent
`
`Mar.24, 2020
`
`Sheet 19 of 22
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`US 10,600,046 B2
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`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 23 of 39
`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 23 of 39
`
`U.S. Patent
`
`Mar.24, 2020
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`Sheet 20 of 22
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`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 24 of 39
`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 24 of 39
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`U.S. Patent
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`Mar.24, 2020
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`Sheet 21 of 22
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`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 25 of 39
`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 25 of 39
`
`U.S. Patent
`
`Mar. 24, 2020
`
`Sheet 22 of 22
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`US 10,600,046 B2
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`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 26 of 39
`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 26 of 39
`
`US 10,600,046 B2
`
`1
`METHOD AND APPARATUS FOR MOBILE
`PAYMENTS
`
`CROSS-REFERENCE TO RELATED
`APPLICATIONS
`
`10
`
`15
`
`40
`
`45
`
`This application is a continuation of U.S. patent applica-
`tion Ser. No. 13/853,937 filed on Mar. 29, 2013, now U.S.
`Pat. No. 9,047,601 issued on Jun. 2, 2015.
`
`BACKGROUND OF THE INVENTION
`
`1. Field of the Invention
`
`The present invention is generally related to the area of
`electronic commerce. Particularly, the present invention is
`related to a mobile device configured to settle payments
`using a mobile device reading electronicbills or invoices off
`from another mobile device in a near field communication
`range.
`
`2. The Background of Related Art
`
`For many credit or debit card transactions, the payment
`process is started by a customer asking for a bill when
`checking out a purchase. A cashier or service memberbrings
`a bill to the customer for verification. The customer then
`hands out a credit/debit card to the service member. The
`
`service member brings the card to a Point of Sales (POS)
`counter to initiate a transaction payment. The service mem-
`ber then brings back a receipt to the customer for signature
`to authorize the transaction. It is a lengthy process that
`typically takes a couple of minutes or much longer when the
`service memberhas to take care of multiple paymenttrans-
`actions at a time. In addition, in the case for the debit card
`transactions, the process may be even more troublesome
`when a PIN is needed to authorize the transaction at the
`POS.
`
`There is a need to simplify the payment process. With the
`advancement in mobile devices, it is anticipated that many
`consumers will carry one with them. Thus there is an
`opportunity of using a mobile device to quickly settle the
`paymentat a point of sale (POS).
`
`SUMMARY OF THE INVENTION
`
`This section is for the purpose of summarizing some
`aspects of the present invention and to briefly introduce
`some preferred embodiments. Simplifications or omissions
`may be madeto avoid obscuring the purpose of the section.
`Such simplifications or omissions are not intended to limit
`the scope of the present invention.
`Thepresent invention is related to techniques for mobile
`devices configured to support settlement of charges in elec-
`tronic invoices or bills. According to one aspect of the
`present invention, a mobile device embedded with a secure
`element generates or is loaded with an electronic invoice.
`When the mobile device is brought to a consumer with an
`NFC mobile device, the data including the electronic invoice
`and other information regarding the mobile device or an
`ownerthereof is read off wirelessly into the NFC mobile
`device. After the user verifies the amount being charged and
`authorizes the payment, the NFC mobile device communi-
`cates with a payment gateway or network for payment that
`is configured to proceed with the payment in accordance
`with a chosen payment method.
`
`2
`According to another aspect of the present invention, the
`mobile device is a contactless card or part of a point of sale
`(POS) machine used to generate the electronic invoice. One
`embodimentof the present invention provides unanticipated
`benefits and advantages in an application in which a pay-
`ment process would otherwise have to be involved in more
`than one contacts between a merchant and the consumer.
`
`One of such applications is a payment process in a restau-
`rant, where a consumeris given a checkfirst for verification
`and a chance to add a gratitude before a final charge is
`determined and paid. Using the NFC mobile device, the
`consumercan finish the payment using a chosen payment
`method at the point of sale without further contacting the
`merchant.
`
`Accordingto still another aspect of the present invention,
`a consumeruseshis/her mobile device, per the data received
`therein,
`to settle the payment process with a payment
`network, where the payment network may be an existing
`paymentinfrastructure (e.g., money transfer or credit card/
`debit). A payment response is sent to the merchant once a
`paymentis delivered to a designated account by the mer-
`chant.
`Accordingto still another aspect of the present invention,
`the mobile device being used by the consumeris itself an
`electronic purse. Thus the consumeroperates his/her mobile
`device to settle the charge once the electronic invoice is
`received and displayed thereon.
`Accordingto still another aspect of the present invention,
`the mobile device used by the consumeris a near field
`communication (NFC) device and being part of a mobile
`payment ecosystem in which various parties work with each
`other in order for the mobile payment ecosystem successful.
`Via a server(e.g., implemented as a manager) configured to
`provide whatis referred to herein as Trusted Service Man-
`agement (TSM), the secure element in the mobile device can
`be remotely personalized and various applications or mod-
`ules can be downloaded, updated, managedorreplaced after
`they are respectively provisioned via the Trusted Service
`Manager(i.e., the TSM server). One of the modules being
`installed in the POS machine or an NFC device used by the
`merchantis referred to as Smart Bill Payment. The module
`is configured to facilitate the communication between the
`merchant (its device) and the user (his/her mobile device)
`and the data exchange therebetween, where the mobile
`device being used by the useris installed with a correspond-
`ing application related to Smart Bill Payment.
`One important features, advantages and benefits in the
`present invention is to facilitate the settlement of charges
`using an NFC mobile device to read off data pertaining to an
`electronic invoice. The present invention may be imple-
`mented as a single device, a server, a system or a part of
`system.It is believed that various implementations may lead
`to results that may not be achieved conventionally.
`According to one embodiment, the present invention is a
`method for settling a payment, the method comprises: pro-
`viding a software module to be executed in a first mobile
`device embedded with a secure element, wherein the secure
`element has been personalized and the software module is
`provisioned with the personalized secure element, the first
`mobile device is configured to include data pertaining to an
`electronic invoice; receiving a payment request from a
`second mobile device after a user of the second mobile
`device authorizes the payment
`to the electronic invoice
`transported wirelessly from the first mobile device, wherein
`the second mobile device is a near-field communication
`device and is configured to execute an application that
`communicates with the software module in the first mobile
`
`

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`Case 6:21-cv-00916-ADA Document 1-4 Filed 09/07/21 Page 27 of 39
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`US 10,600,046 B2
`
`3
`device to read the data off from the first mobile device;
`verifying the payment request; and sending a payment
`response to a user of the first mobile device after the
`payment request is processed. In the embodiment, the sec-
`ond mobile device includes a display screen and 1s caused to
`display the electronic invoice whenthe data is in the second
`mobile device.
`
`According to another embodiment, the present invention
`is a gateway provided for settling a payment, the gateway
`may include a serveror a collection of servers. The gateway
`comprises a portal providing a software module to be
`downloaded and executed in a first mobile device embedded
`with a secure element, wherein the secure element has been
`personalized and the software module is provisioned with
`the personalized secure element, the first mobile device is
`configured to include data pertaining to an electronic
`invoice. The gateway further comprises a server
`that
`includes: a processor and a store, coupled to the processor,
`for code to be executed in the processor to cause the server
`to perform operationsof:
`receiving a payment request from a second mobile device
`after a user of the second mobile device authorizes the
`
`payment to the electronic invoice transported wire-
`lessly from the first mobile device, wherein the second
`mobile device is a near-field communication device and
`is configured to execute an application that communi-
`cates with the software module in the first mobile
`device to read the data off from the first mobile device;
`verifying the payment request; and
`sending a payment responseto a user ofthe first mobile
`device after the payment request is processed.
`Other objects, features, and advantages of the present
`invention will become apparent upon examining the follow-
`ing detailed description of an embodimentthereof, taken in
`conjunction with the attached drawings.
`
`BRIEF DESCRIPTION OF THE DRAWINGS
`
`The invention will be readily understood by the following
`detailed description in conjunction with the accompanying
`drawings, wherein like reference numerals designate like
`structural elements, and in which:
`FIG. 1A shows a syst