However, as recognized by the present inventors, when an access control method using an application is adopted, the burden relating to the development of the appli cation or the maintenance therefor increases.

Aug. 27, 2009 instruction set only when the area management server certifi cate, the service providing server certificate and the second digital signature are properly verified by the verification sec tion, and further, the instruction set is decrypted by the access control section from the second digital signature by using the second decryption key, and the memory area of the secure chip to be accessed according to the instruction set is included in the memory area of the secure chip indicated by the access control list extracted from the service providing server cer tificate.

The client device 400 according to the present embodiment accesses a predetermined area in the secure memory 510 based on the script data generated by the service providing server 300.

Further, even when a user connects to a malicious site, since error processing is performed at the time of signature verifi cation, a risk that the unauthorized script is executed by the client device 400 can be reduced.

It should be understood by those skilled in the art that various modifications, combinations, Sub-combinations and alterations may occur depending on design and other factors insofar as they are within the scope of the appended claims or the equivalents thereof.

None of them reveal practical real world implementation, let alone a mass produced solution that is achieved by the chipset in this invention.

(75) Inventors: Scott Hansen, Woodcliff Lake, NJ (US); Kirsten S. Fry-Sanchez, Evergreen, CO (US); Kim C. Hosmer, Castle Rock, CO (US); Ed N. Cortez, Denver, CO (US); Debra Joyner, Littleton, CO (US); Jennifer Wieth, Golden, CO (US); Mark D. Baumgart, Larkspur, CO (US) Correspondence Address:

A risk score is produced by the authentication service 180, which is ana lyzed by the payment enabler 170 to determine if the transaction should be approved, denied or manually verified.

The call center operators performing the manual authentication function 312 interact with the payor 110 (either by phone, another payin interface 120, or live chat) to further reduce the risk of a fraudulent transaction.

In Step 608, the payment Source is verified and the payor information is checked against government and internal hot lists of persons who should not be allowed to complete a transfer using the system 100.

A computer-readable medium having computer-ex ecutable instructions for performing the computer-imple mentable method for processing the transaction that trans ferS money or its equivalents from the payor to the payee as recited of claim 28.

In this document, the term 'or' is used to refer to a nonexclusive or, such that “A or B' includes “Abut not B. "B but not A and “A and B, unless otherwise indicated.

Noneof these aspects is required and other embodiments may not use barcodes, or mobile phone, or payment transactions, or the ACH network.

CJ none ofthe figures is to be published with the abstract.

... applicability; citations and explanations supporting such statement Statement Novelty (N) Inventive step (IS) Industrial applicability (IA) Claims Claims Claims Claims Claims Claims 3,10, 12-19 1-2, 4-9, 11, and 20 None 1-20 1-20 None ...

... Box No. V citations and explanations supporting such statement Statement Novelty (N) Inventive step (IS) Claims Claims Claims Claims 2, 3, 5-10, 12, 13 1,4, 11, 14-20 None 1-20 Industrial applicability (1A) Claims Claims 1-20 None ...

Defendant PayPal Holdings, Inc. is a corporation organized and existing under the laws of Delaware and has a regular and established place of business at 7700 W Palmer Lane, Building D, Austin, Texas 78729 (the “Austin Office”).

On or about March 16, 2016, Fintiv’s Founder and PayPal’s Agent had a phone call that lasted over an hour to discuss Fintiv’s patented technology, a strategic partnership between the two companies, and PayPal’s interest in acquiring Fintiv.

On or about June 13, 2019, the Chairman of Advection Growth Capital LLC (“Advection”), acting on behalf of Fintiv, sent an email to PayPal’s Director of Global Corporate Development (“PayPal’s Director”) specifically identifying the ’845, ’386, and ’488 Patents and

Further, Defendant’s infringement of Fintiv’s rights under the ’413 Patent will continue to damage Fintiv’s business, causing irreparable harm for which there is no adequate remedy at law, unless enjoined by the Court.

Suit; Declare this case exceptional pursuant to 35 U.S.C. § 285; Enter an accounting of all damages not presented at trial; and Award Fintiv its costs, disbursements, attorneys’ fees, and such further and additional relief as is deemed appropriate by this Court.

operable to implement business [3.3] business process services transfer protocol emails; message services and simple mail message peer-to-peer, short- including one or more of short different notification channels to send notifications through [3.2] notification services operable from channels; mechanisms to accept messages (API) and other communication application programming interface including a communication [3.1.2] the integration tier also financial transactions, and maintain the integrity of to manage mobile wallet sessions [3.1.1] an integration tier operable comprising one or more of: and other entities, the system transactions between subscribers for conducting monetary [3.0] A monetary transaction system Claim 3 operable to implement business [2.3] business process services transfer protocol emails; message services and simple mail message peer-to-peer, short- including one or more of short different notification channels to send notifications through [2.2] notification services operable from channels; mechanisms to accept messages (API) and other communication application programming interface including a communication [2.1.2] the integration tier also financial transactions, and maintain the integrity of to manage mobile wallet sessions [2.1.1] an integration tier operable comprising one or more of: and other entities, the system transactions between subscribers for conducting monetary [2.0] A monetary transaction system Claim 2 operable to implement business [1.3] business process services transfer protocol emails; message services and simple mail message peer-to-peer, short- including one or more of short different notification channels to send notifications through [1.2] notification services operable from channels; mechanisms to accept messages (API) and other communication application programming interface including a communication [1.1.2] the integration tier also to manage mobile wallet sessions, [1.1.1] an integration tier operable comprising one or more of: and other entities, the system transactions between subscribers for conducting monetary [1.0] A monetary transaction system Claim 1 U.S. Patent 9,892,386 – Comparison of Claims 1-3 (Claim Numbering in Petition Added)

Claim 3 transaction system, connected to the monetary over one of a plurality of channels message from the mobile device [2.12.2] receiving a communication transaction system, connected to the monetary over one of a plurality of channels message from the mobile device [1.10.1] receiving a communication steps: including performing the following transaction system application, configured to run a monetary branch using the mobile device to withdraw funds at an agent transaction system is implemented [2.12.1] wherein the monetary

of the monetary transaction system, associated with the integration tier message being received by an API [3.10.3] the communication Claim 3

of the monetary transaction system, associated with the integration tier message being received by an API [2.12.3] the communication Claim 2

transaction history record to reflect database services, a pending [1.11.8] updating, using the payment handler; and subscriber account using the [1.11.7] loading the funds to the Claim 1

The project wasn’t finished, but a separate company called CommerceTonewascreated to deliver some of the en- visioned marketing and value-added services.” In March 2001, Microsoft announcedits Passport system, whichit intended to be the single buyer communityfor the entire Internet.

Some of Microsoft’s competitors, led by Sun Microsystems, then announced the Liberty Alliance, whose purpose wasto create an open, federated single sign-on system, to be followed by some kind of FCS.

The transaction engine is organized in this way, with application logic and user inter- face capabilities for buyers, sellers (merchants), and system operators.It is a rich ap- plication; the following sections are not exhaustive but are included here to give SEEETERSTAGEDToDoOOEEEDETOOSGUESEenoanaT

For example, if a subscrip- tion involves periodic payments and the associated credit card expires oris canceled, the system permits the buyerto substitute a different paymentinstru- ment without intervention by the operator.

e Administration During normaloperation,the transaction engine provides application support for ongoing activation and modification of affiliated content servers and central overrides for payment processing and merchantprofiles.

For example, circuits, systems, networks, processes, and other components may be shown as compo nents in block diagram form in order not to obscure the embodiments in unnecessary detail.

0058 Stated another way, embodiments of the present invention provide for financial transfers utilizing a unique identifier to facilitate flexible payment delivery options for the transaction.

0072 The money transfer facilitator 140 mobile applica tion 145 can in turn perform a process to look up (e.g., an MSISDN, IMSI and/or TMSI) for the recipient 110 and/or otherwise verify 415the data provided by the sender 105.

In response to verifying 822 the transaction iden tifier, the application 145 of the money transfer facilitator 140 can send 824 a recipient identifier to the mobile wallet appli cation 121.

The method of claim 4, further comprising updating a balance maintained by the mobile wallet application based on the response indicating completion of the money transfer transaction.

The materials I have reviewed and studied, including those listed in this paragraph, are the type of evidence an expert in the field of software and mobile application development would consider in reaching conclusions.

Also, along with the other graduate students, I helped to maintain, install, and upgrade the networking devices used within the group, including setting up and configuring access control lists (“ACLs”) for accounts and file systems.

Houh Declaration applicant’s argument that the claims “are directed to substantially technical Inter Partes Review of U.S. 9,892,386 systems” that address the “technical problem of monetary exchanges within a system that do not require a centralized banking server to manage the transaction.”

As described in detail below, the alleged invention of the Challenged Claims would have been obvious in view of the teachings of the identified prior art references as well as the knowledge of a POSITA as of the priority date of the ’386 patent.

First, as shown in Figure 9 below, Dill teaches that the transfer options module 145 (integration tier) includes multiple communication mechanisms to accept messages from channels.