United States Patent [19]
`Payne et al.
`
`[54] NETWORK SALES SYSTEM
`
`[75]
`
`Inventors: Andrew C. Payne, Lincoln; Lawrence
`C. Stewart, Burlington; David J,
`Mackie. Cambridge. all of Mass.
`
`[73] Assignee: Open Market, Inc .. Cambridge, Mass.
`
`[21] Appl. No.: 328,133
`
`Oct. 24, 1994
`
`[22] Filed:
`Int. Cl.6
`........................................................ H04L 9/00
`[51]
`[52] U.S. CI .................................. 380/24; 380/23; 380/25;
`380/49; 380/50
`[58] Field of Search .................................... 380/4. 21. 23.
`380/24. 25. 49. 50; 364/401, 406. 408.
`284.4; 235/379. 380; 395/200.01. 200.02.
`200.09.925
`
`[56]
`
`References Cited
`
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`5,060,153
`5,077,607
`
`12/1981 Benton ............................... 340/825.33
`3/1986 Zeidler .
`3/1988 Schlafiy .................................. 364/408
`7/1988 Brachd et al ........................... 364/408
`10/1988 Yourick ................................... 364/401
`1/1989 Goldman ................................. 235/380
`111989 Shavit et al ............................. 364/401
`3/1989 Boston et al. .......................... 235/380
`5/1989 Shear .......................................... 380/4
`5/1990 Krikke et al. ............................. 379/95
`6/1990 Burk, Jr. et al ..
`8/1990 Gorog ..................................... 235/381
`12/1990 Ohta et al. ................................ 380/24
`111991 Girouard et al. ....................... 364/550
`2/1991 Dworkin ................................. 3641401
`6/1991 Keyser, Jr. et al ..................... 364/408
`10/1991 Nakagawa ............................... 364/405
`12/1991 Johnson et al ..
`
`(List continued on next page.)
`
`I IIIII
`
`1111~1111111~~ 111111 ~II ~1111111111111111111111
`US005715314A
`5,715,314
`Patent Number:
`Date of Patent:
`Feb. 3, 1998
`
`[11)
`
`[45]
`
`WO 91/16691 10/1991 WIPO ............................... G07F 7/10
`WO 95/16971
`6/1995 WIPO.
`
`OTHER PUBUCATIONS
`
`Rivest. R.L. et al.. "A Method for Obtaining Digital Signa(cid:173)
`tures and Public-Key Cryptosystems." Laboratory for Com(cid:173)
`puter Science, Massachusetts Institute of Technology. Cam(cid:173)
`bridge. Massachusetts. no date.
`Bellcore Internal E-Mail. Nov. 24. 1993.
`Sirbu. Marvin A.; "Internet Billing Service Design and
`Prototype Implementation"; An Internet Billing Server, pp.
`1-19. no date.
`Payment Systems, "United States"; pp. 115-135. no date.
`National Westminster Bank Group Brochure; pp. 1-29. no
`date.
`
`(List continued on next page.)
`Primary Examiner-Bernarr E. Gregory
`Attorney, Agent, or Finn-Fish & Richardson P.C.
`[57]
`ABSTRACT
`
`A network-based sales system includes at least one buyer
`computer for operation by a user desiring to buy a product.
`at least one merchant computer. and at least one payment
`computer. The buyer computer. the merchant computer. and
`the payment computer are interconnected by a computer
`network. The buyer computer is programmed to receive a
`user request for purchasing a product. and to cause a
`payment message to be sent to the payment computer that
`comprises a product identifier identifying the product. The
`payment computer is programmed to receive the payment
`message. to cause an access message to be created that
`comprises the product identifier and an access message
`authenticator based on a cryptographic key. and to cause the
`access message to be sent to the merchant computer. The
`merchant computer is programmed to receive the access
`message. to verify the access message authenticator to
`ensure that the access message authenticator was created
`using the cryptographic key. and to cause the product to be
`sent to the user desiring to buy the product.
`
`FOREIGN PATENT DOCUMENTS
`0-542-298-A2
`5/1993 European Pat. Otf ........... G07F 7/10
`2102606
`2/1983 United Kingdom .............. G07F 7/10
`
`48 Claims, 25 Drawing Sheets
`
`Microfiche Appendix Included
`(1 Microfiche. 34 Pages)
`
`buyer computer 12
`
`merchant computer 14
`
`payment computer 16
`
`buyer computer
`
`Petitioners Great West Casualty Co., BITCO Gen. Ins. Corp., and BITCO Nat'l Ins. Co.
`Ex. 1006, p. 1
`
`

`
`5,715,314
`Page2
`
`U.S. PATENT DOCUMENTS
`
`5,220,501
`5,247,575
`5,305,195
`5,336,870
`5,341,429
`5,347,632
`5,351,186
`5,351,293
`5,383,113
`5,414,833
`
`6/1993 Lawlor et al .•..•............••....•••• 364/408
`9/1993 Sprague et al .............................. 380/9
`4/1994 Murphy ................................... 364/401
`8/1994 Hughes ................................... 235/379
`8/1994 Stringer et al. .••..............••........ 380/23
`9/1994 Filepp et al. ....................... 395/200.09
`9/1994 Bullock et al. ......................... 364/401
`9/1994 Michener et al ..........•...•.••..•.... 380/21
`1/1995 Kight et al .............................. 364/401
`5/1995 Hershey et al ......................... 395/575
`
`afHER PUBLICATIONS
`
`Even et al.; "Electronic Wallet"; pp. 383-386; 1983.
`Okamoto et al.; "Universal Electronic Cash"; pp. 324-337;
`1991.
`Pfitzmann et al.; "How to Break and Repair a 'Provably
`Secure' Untraceable Payment System"; pp. 338-350; 1991.
`Intuit Corp Quicken User's Guide; "Paying Bills Electroni(cid:173)
`cally''; pp. 171-192, no date.
`Cornpuserve International; Compuserve Information Ser(cid:173)
`vice Users Guide; pp. 109-114; 1986.
`Gifford, David; "Notes on Community Information Sys(cid:173)
`tems" MIT LCS TM-419; Dec .• 1989.
`Vittal. J. "Active Message Processing: Messages as Mes(cid:173)
`sengers"; pp. 175-195; 1981.
`Bos et al.; "SmartCash: A Practical Electronic Payment
`System"; pp. 1-8; Aug. 1990.
`American National Standard; "Financial Institution Retail
`Message Authentication"; ANSI X9.19; 1986.
`American National Standard; "Interchange Message Speci(cid:173)
`fication for Debit and Credit Card Message Exchange
`Among Financial Institutions"; ANSI X9.2; 1988.
`Chaum et al .• "Achieving Electronic Privacy"; Scientific
`American; pp. 319-327; 1988.
`Biirk et al.; "Value Exchange Systems Enabling Security and
`Unobservability"; Computers & Security, 9; pp. 715-721;
`1990.
`Chaum et al.; "Untraceable Electronic Cash"; Advances in
`Cryptology; pp. 319-327; 1988.
`Schamilller-Bichl. 1; "IC-Cards in High-Security Applica(cid:173)
`tions"; Selected Papers from the Smart Card 2000 Confer(cid:173)
`ence; Springer Verlag; pp. 177-199; 1991.
`Newman, B.C.; "Proxy-Based Authorization and Account(cid:173)
`ing for Distributed Systems"; Proc. 13th Int. Conf on Dist.
`Comp. Sys.; May, 1993.
`Medvinsky et al.; ''Electronic Currency for the Internet";
`Electronic Markets; pp. 30-31, Sep., 1993.
`Anderson, Ross J.; "UEPS-A Second Generation Elec(cid:173)
`tronic Wallet"; Proc. of the Second European Symposium on
`Research in Computer Security (ESORICS); Touluse,
`France; pp. 411-418. no date.
`Anderson. Ross; "Why Cryptosystems Fail"; Proc. 1st Cont.
`Computer and Comm. Security; pp. 215-227; Nov .• 1993.
`Dukach, Semyon; "SNPP: A Simple Network Payment
`Protocol''; MIT Laboratory for Computer Science; Cam(cid:173)
`bridge. Massachusetts; 1993.
`Medvinsky et al.; "NetCash: A Design for Practical Elec(cid:173)
`tronic Currency on the Internet"; Proc. 1st ACM Cont. on
`Cornp. and Comm. Security; Nov., 1993.
`Society for Worldwide Interbank Financial Telecommuni(cid:173)
`cations S.C.; "A S.W.LF.T. Overview", no date.
`Case Study: The CIRRUS Banking Network; Comm. ACM
`8. 28' pp. 797-8078; Aug., 1985.
`
`Intel Corporation; Power Technology; Marketig Brochure.
`no date.
`Bender. M.; "EFTS: Electronic Funds Transfer Systems";
`Kennikat Press; Port Washington. New York; pp. 43-46;
`1975.
`Abadi, M. et al.; "Authentication and Delegation with
`Smart-Cards" Report 67; Systems Research Center; Digital
`Equipment Corporation; Palo Alto. California; Oct. 22,
`1990, revised Jul. 30. 1992.
`Information Network Institute, Carnegie Mellon University;
`Internet Billing Server; Prototype Scope Document; Oct. 14,
`1993.
`Krajewski, M.; "Concept for a Smart Card Kerberos"; 15th
`National Computer Security Conference; Oct., 1992.
`Krajewski, M.; "Smar Card Augmentation of Kerberos";
`Privacy and Security Research Group Workshop on Net(cid:173)
`work and Distributed System Security; Feb .. 1993.
`Krajewski, M. et al.; "Applicability of Smart Cards to
`Network User Authentication"; Computing Systems; vol. 7.
`No. 1; 1994.
`Harty et al.; "Case Study: The VISA Transaction Processing
`System"; 1988.
`International Organization for Standardization; "Interna(cid:173)
`tional Standard: Bank Card Originated Messages-Inter(cid:173)
`change Message Specifications-Content for Financial
`Transactions"; ISO 8583; 1987.
`Rivest. R.; .. fhe MD5 Message-Digest Algorithm"; MIT
`Laboratory for Computer Science and RSA Data Security.
`Inc.; Apr., 1992.
`in
`"Security Mechanisms
`Voydock. Victor et al.;
`High-Level Network Protocols"; Computer Surveys; vol.
`15. No. 2; Jun .• 1981.
`Needham, Roger M .. "Adding Capability Access to Con(cid:173)
`ventional File Servers"; Xerox Palo Alto Research Center;
`Palo Alto, California; no date.
`Gligor, Virgil D. et al.; "Object Migration and Authentica(cid:173)
`tion"; IEEE Transactions on Software Engineering; vol.
`SE-5. No.6; Nov., 1979.
`Chaum. D.L. et al.; "Implementing Capability-Based Pro(cid:173)
`tection Using Encryption"; Electronics Research Labora(cid:173)
`tory, College of Engineering, University of California. Ber(cid:173)
`keley, California; Jul. 17, 1978.
`Gifford, David K.; "Cryptographic Sealing for Information
`Secrecy and Authentication"; Stanford University and
`Xerox Palo Alto Research Center; Communications of the
`ACM; vol. 25, No. 4; Apr., 1982.
`Mosaic Communications Corp. press release; "Mosaic Com(cid:173)
`munications Unveils Network Navigator and Server Soft(cid:173)
`ware for the Internet"; Sep. 12. 1994.
`Rescorla. E. and Schiffman, A; 'The Secure Hypeffext
`Transfer Protocol"; Enterprise Integration Technologies;
`Jun .. 1994.
`Tenenbaum, Jay M. and Schiffman. Allan M.; "Development
`of Network Infrastructure and Services for Rapid Acquisi(cid:173)
`tion"; adapted from a white paper submitted to DARPA by
`MCC in collaboration with EIT and lSI.
`Cohen. Danny; "Computerized Commerce"; lSI Reprint
`Series IS/RS-89-243; Oct.. 1989; Reprinted from Informa(cid:173)
`tion Processing 89, Proceedings of the IFIPWorld Computer
`Congress, held Aug. 28-Sep. 1 1989.
`Cohen. Danny; "Electronic Commerce"; University of
`Southern California
`Information Sciences
`Institute,
`Research Report ISI/RR-89-244; Oct., 1989.
`
`Petitioners Great West Casualty Co., BITCO Gen. Ins. Corp., and BITCO Nat'l Ins. Co.
`Ex. 1006, p. 2
`
`

`
`"' "' ~
`
`~ .a;;.
`"' ~
`Ut
`
`Ut
`
`tit
`N
`~
`
`g: a ....
`
`~
`~ ....
`~
`
`~
`
`~ = t""fo-a
`
`•
`00.
`0 •
`
`FIG. 1
`
`database
`
`advertisement
`
`digital
`
`18
`
`creation computer
`
`20
`
`(
`
`merchant computer
`
`14
`
`21
`
`database
`document
`advertising
`
`( 15
`
`payment computer
`
`network
`
`buyer computer
`
`22
`
`(
`
`16
`
`10
`
`12
`
`(
`
`payment computer 16
`
`merchant computer 14
`
`buyer computer 12
`
`Petitioners Great West Casualty Co., BITCO Gen. Ins. Corp., and BITCO Nat'l Ins. Co.
`Ex. 1006, p. 3
`
`

`
`U.S. Patent
`
`Feb. 3, 1998
`
`Sheet 2 of 25
`
`5,715,314
`
`buyer computer 12
`
`merchant computer 14
`
`payment computer 16
`
`I user requests advertisements I
`
`,-24
`
`,-26
`buyer computer sends
`advertising document URL
`to merchant computer
`
`,-28
`merchants computer fetches
`advertising document from
`advertising document data base
`
`30,
`merchant computer sends
`advertising document
`to buver computer
`
`...
`
`.)
`
`2-...,
`
`j user requests a product I
`
`buyer computer sends payment URL A to payment
`computer; payment URL A includes product
`'-------!identifier. domain identifier. payment amount,
`merchant computer identifier. merchant account
`identifier. duration time. expiration time, payment
`URL authenticator. and a buyer network address
`
`,.. 36
`
`payment computer verifies
`whether payment URL
`authenticator was created from
`contents of payment URL A
`using cryptographic key
`
`...
`
`End
`
`payment computer sends document
`to buyer computer indicating that
`access the to the network sales
`system is denied.
`
`OR
`
`FIG. 2A
`
`Petitioners Great West Casualty Co., BITCO Gen. Ins. Corp., and BITCO Nat'l Ins. Co.
`Ex. 1006, p. 4
`
`

`
`U.S. Patent
`
`Feb.3, 1998
`
`Sheet 3 of 25
`
`5,715,314
`
`buyer computer 12
`
`merchant computer 14
`
`payment computer 16
`
`36
`
`40
`
`payment computer checks
`whether expiration time
`has past
`
`End --
`
`payment computer sends document
`to buyer computer indicating that
`expiration time has past
`
`1 - - - - - - - . J
`OR
`
`payment computer checks to
`see if buyer network address in
`payment URL matches buyer· s
`computer network address
`
`~--------t.oR
`
`--
`
`End
`
`payment computer sends
`document indicating that
`access to network
`payment system is denied
`
`FIG. 28
`
`44
`
`Petitioners Great West Casualty Co., BITCO Gen. Ins. Corp., and BITCO Nat'l Ins. Co.
`Ex. 1006, p. 5
`
`

`
`U.S. Patent
`
`Feb. 3, 1998
`
`Sheet 4 of 25
`
`5,715,314
`
`buyer computer 12
`
`merchant computer 14
`
`payment computer 16
`42
`
`\
`
`(
`
`44
`
`payment computer sends payment
`contirmation document to buyer
`computer: payment confirmation
`document includes open link (URL C)
`and continue link (URL B)
`
`/
`
`58
`
`OR
`I user opens new account!
`
`User continues with payment I
`
`(user already has an account)
`
`r60
`
`buyer computer sends payment URL B to
`L----1 payment computer; payment URL B is similar tct-----,
`payment URL A but also indicates that an
`account does exist
`
`buyer computer sends payment URL C to payment
`L - - - - l computer: payment URL C is similar to payment
`URL A but also indicates that an account does not
`yet exist
`
`\._48
`
`r so
`payment computer creates I
`
`new account document
`
`payment computer sends new account 1-----------'
`document to buyer computer
`
`54
`
`FIG. 2C
`
`,,
`
`64
`
`Petitioners Great West Casualty Co., BITCO Gen. Ins. Corp., and BITCO Nat'l Ins. Co.
`Ex. 1006, p. 6
`
`

`
`U.S. Patent
`
`Feb. 3, 1998
`
`Sheet 5 of 25
`
`5,715,314
`
`buyer computer 12
`-., ,_
`
`-1-l
`
`merchant computer 14
`
`payment computer 16
`
`62
`
`,.s4
`user enters new account name.
`account password credit card
`number. security information and
`expiration date of credit card and
`presses a "submit" button
`
`buyer computer sends new account
`
`information to payment computer n ,ss
`
`payment computer
`enters new account
`
`J
`payment computer creates
`account name and password
`request message
`
`j
`account name and password +-----...
`
`payment computer sends
`
`request message to buyer
`computer
`
`,70
`
`buyer computer sends account
`name and password to payment
`computer
`
`72
`
`r
`payment computer verifies whether
`user name and password are correct
`t--------./ '\
`OR
`
`payment computer sends document to
`buyer computer indicating that access
`to the networks sales system is denied
`
`FIG. 20
`
`,,
`
`73
`
`user enters account
`name and password
`
`End -
`
`Petitioners Great West Casualty Co., BITCO Gen. Ins. Corp., and BITCO Nat'l Ins. Co.
`Ex. 1006, p. 7
`
`

`
`U.S. Patent
`
`Feb.3, 1998
`
`Sheet 6 of 25
`
`5,715,314
`
`buyer computer 12
`
`merchant computer 14
`
`payment computer 16
`72
`
`73
`'-
`
`payment computer determines
`whether additional security is
`warranted. based on. e.g. whether
`the payment amount exceeds a
`threshold
`
`75
`'-
`1---------1
`
`,.--..~A
`~----------~~ OR
`if additional
`security is
`warranted. payment
`computer creates a
`challenge form
`document and sends
`it to buyer computer
`
`user enters security
`information
`
`buyer computer sends ~ 79
`81
`(
`r-~---------.
`security information to f
`payment computer ~--------~ payment computer
`determines whether
`security information is
`correct
`
`End
`
`---
`
`(83
`
`payment computer
`sends document to
`buyer computer
`indicating that access
`to the network sales
`system is denied
`
`FIG. 2E
`
`OR
`
`~r
`
`82
`
`,,
`
`82
`
`Petitioners Great West Casualty Co., BITCO Gen. Ins. Corp., and BITCO Nat'l Ins. Co.
`Ex. 1006, p. 8
`
`

`
`U.S. Patent
`
`Feb.3, 1998
`
`Sheet 7 of 25
`
`5,715,314
`
`buyer _computer 12 merchant computer 14
`
`payment computer 16
`73 OR 81
`\V
`
`82
`\,.._
`
`payment computer checks
`settlement database to
`determine if user has
`unexpired access to the
`domain identifier contained in
`the payment URL
`
`84 '--
`
`~------------~/~~------~
`OR
`
`payment computer sends to buyer
`computer option to repurchase, or to
`use previousl_v purchased access
`
`86
`
`~ ....._ _________ ___.
`J
`
`buyer selects to
`I l
`repurchase item
`~OR~-----------------'
`_...,85
`
`buyer selects previously
`purchased access
`
`(
`
`87
`
`payment computer calculates an
`actual payment amount that may
`differ from the payment amount
`contained in the payment URL
`
`,.
`
`92
`
`FIG. 2F
`
`,,
`
`76
`
`76
`
`Petitioners Great West Casualty Co., BITCO Gen. Ins. Corp., and BITCO Nat'l Ins. Co.
`Ex. 1006, p. 9
`
`

`
`U.S. Patent
`
`Feb.3, 1998
`
`Sheet 8 of 25
`
`5,715,314
`
`buyer computer 12
`
`merchant computer 14
`
`85
`
`payment computer 16
`82.87
`
`76
`\_
`
`payment computer
`verifies whether user
`account has sufficient
`funds or credit
`
`(
`
`78
`
`End
`
`payment computer sends document to
`........ _r--------1 buyer computer indicating that user
`account does not have sufficient funds
`
`OR
`
`80
`'-
`
`payment computer creates
`access URL which includes
`merchant computer identifier.
`domain identifier. product
`identifier. end of duration
`time, buyer network address.
`and access URL authenticator
`
`88
`'-
`
`payment computer records product identifier , domain.
`user account. merchant account. end of duration time.
`and actual payment amount in settlement database
`
`,,
`
`92
`
`92
`
`r 9o
`
`payment computer sends redirect to
`access URL to buyer computer
`
`FIG. 2G
`
`Petitioners Great West Casualty Co., BITCO Gen. Ins. Corp., and BITCO Nat'l Ins. Co.
`Ex. 1006, p. 10
`
`

`
`~
`~
`(,H
`Ol
`~
`~ ........
`Ol
`
`~
`
`rJ1 r:r a
`
`(It
`N
`~
`loC
`
`~
`......
`~
`
`~
`
`;(cid:173)a
`• ;p
`~ • 00
`
`94
`------.
`
`•
`
`I 01
`
`FIG. 2H
`
`duration time has expired
`
`End ~ to buyer computer indicating that the
`merchant computer sends-aocument
`
`100
`
`(
`
`has expired
`whether the duration time
`merchant computer verifies
`
`(98
`
`OR
`
`key
`access URL using a cryptographic
`was created from contents of
`whether access URL authenticator
`merchant computer verifies
`
`A
`
`product is denied
`mdJcaung that access to the
`I ~o~um~nt to buyer computer
`merchant computer sends I
`
`r96
`
`.._
`
`End
`
`1--
`
`merchant computer
`access URL to
`buyer computer sends
`
`~
`
`92'
`
`payment computer 16
`
`merchant computer 14
`
`buyer computer 12
`
`w'-V
`
`90
`
`85
`
`Petitioners Great West Casualty Co., BITCO Gen. Ins. Corp., and BITCO Nat'l Ins. Co.
`Ex. 1006, p. 11
`
`

`
`U.S. Patent
`
`Feb. 3, 1998
`
`Sheet 10 of 25
`
`5,715,314
`
`buyer computer 12
`
`merchant computer 14
`
`payment computer 16
`98
`
`1 101
`
`merchant computer verifies that the buyer
`computer network address matches the
`network address specified in the access URL
`
`rlo3
`merchant computer sends document
`End ..._ to buyer computer that access is not 1-------.tOR
`allowed
`
`I
`A
`
`merchant computer sends
`fulfillment document to
`buyer computer
`
`\. 102
`
`buyer computer displays
`fulfillment document
`\.
`
`104
`
`End
`
`FIG. 21
`
`Petitioners Great West Casualty Co., BITCO Gen. Ins. Corp., and BITCO Nat'l Ins. Co.
`Ex. 1006, p. 12
`
`

`
`~
`~
`~
`'-61
`Ol
`~
`':...:a
`Ol
`
`!.II
`N
`
`~
`~
`
`s,
`t:r' !.
`
`00
`
`~
`~
`
`~
`
`~
`
`QO
`
`~ = ~ a
`
`•
`00
`0 •
`
`114
`
`to steps 40-81
`computer perform steps analogous
`payment computer and buyer
`
`-t
`
`113
`(
`
`FIG. 3A
`
`denied
`access to network sales system is
`to buyer computer indicating that
`payment computer sends document
`
`---
`
`End
`
`I
`
`A
`
`OR
`
`112
`
`(
`
`I
`
`cryptographic key
`of shopping cart URL using a
`
`1-------t was created from contents content!
`
`shopping cart URL authenticator
`payment computer verifies whethe
`
`110
`
`(
`
`URL authenticator
`expiration time, and shopping cart
`account identifier. duration time,
`computer identifier, merchant
`payment amount, merchant
`identifier, domain identifier.
`shopping cart URL includes product
`URL to payment computer;
`buyer computer sends shopping cart
`
`1 r 1os
`
`From 32
`
`payment computer 16
`
`merchant computer 14
`
`buyer computer 12
`
`Petitioners Great West Casualty Co., BITCO Gen. Ins. Corp., and BITCO Nat'l Ins. Co.
`Ex. 1006, p. 13
`
`

`
`U.S. Patent
`
`Feb. 3, 1998
`
`Sheet 12 of 25
`
`5,715,314
`
`buyer computer 12
`
`merchant computer 14
`
`payment computer 16
`
`113
`
`payment computer creates or
`updates payment URI.. for shopping
`cart
`
`(
`114
`
`oR IoRI r 124
`l user requests display
`l of shopping cart
`116 J
`
`[11 S
`~------~----~
`buyer computer
`sends fetch shopping
`cart request to
`payment computer
`
`user requests
`purchase of
`contents of
`shopping cart
`T j- 126
`buyer computer
`causes payment
`URL for shopping
`cart to be activated
`
`-
`~-----~.. to step 36
`
`,119
`
`L.------------"~--------t payment computer and
`/
`buyer computer perform
`steps analogous to steps
`64-81
`
`r 122
`
`buyer computer displays
`L------------- shopping cart
`
`r 120
`
`payment computer
`returns contents of
`shopping cart to
`buyer computer
`
`--
`
`FIG. 38
`
`Petitioners Great West Casualty Co., BITCO Gen. Ins. Corp., and BITCO Nat'l Ins. Co.
`Ex. 1006, p. 14
`
`

`
`U.S. Patent
`
`Feb. 3, 1998
`
`Sheet 13 of 25
`
`5,715,314
`
`buyer computer 12
`
`merchant computer 14
`
`payment computer 16
`
`(
`
`132
`
`payment computer
`verifies whether smart
`statement URL
`authenticator was
`created from contents of
`smart statement URL
`using cryptographic key
`
`134 \..
`
`payment computer
`sends document to
`buyer computer
`indicating that access
`is denied
`
`(
`
`128
`
`user requests
`smart statement
`
`130
`
`I
`
`buyer computer sends
`smart statement CRL to
`payment computer
`
`End
`
`-
`
`136
`\._
`
`End
`
`... -
`
`138
`\...
`
`payment computer checks to determine
`whether buyer network address in
`smart statement URL matches buyer· s
`computer network address
`I
`
`~R'-·---,
`payment computer sends document I
`
`indicating that access is denied
`
`140
`\_
`
`payment computer and buyer computer
`perform steps analogous to steps 64-81
`
`,,
`
`FIG. 4A
`
`142
`
`Petitioners Great West Casualty Co., BITCO Gen. Ins. Corp., and BITCO Nat'l Ins. Co.
`Ex. 1006, p. 15
`
`

`
`U.S. Patent
`
`Feb. 3, 1998
`
`Sheet 14 of 25
`
`5,715,314
`
`buyer computer 12
`
`merchant computer 14
`
`payment computer 16
`
`164. 170
`
`( 144
`
`buyer computer displays
`received document
`
`142
`\._
`
`140
`
`t
`
`payment computer retrieves
`settlement data from settlement
`database and creates smart
`statement document for buyer and
`sends smart statement document
`to buyer computer
`
`I
`
`( 146
`
`User requests payment details for
`a particular transaction
`
`r
`
`buyer computer sends payment
`detail URL to payment computer
`
`(
`
`150
`
`/\
`
`148
`_)
`
`payment computer and buyer
`computer perform steps analogous
`to steps 132-140
`
`!52
`\..
`
`payment computer retrieves from
`settlement database data
`corresponding to the payment
`transaction specified in the
`payment detail URL. creates detail
`document. and sends it to buyer
`computer
`
`I
`
`154. 166
`
`FIG. 48
`
`Petitioners Great West Casualty Co., BITCO Gen. Ins. Corp., and BITCO Nat'l Ins. Co.
`Ex. 1006, p. 16
`
`

`
`U.S. Patent
`
`Feb. 3, 1998
`
`Sheet 15 of 25
`
`5,715,314
`
`buyer computer 12
`
`merchant computer 14
`
`payment computer 16
`
`144
`
`144
`
`144
`j
`
`user requests
`customer service
`
`buyer computer
`sends customer
`service URL to
`payment computer
`
`156
`_)
`
`160""'\
`I user types comments
`I
`buyer computer sends
`user's comments to
`payment computer
`
`(166
`
`J2
`
`user requests display
`of a product
`
`" -
`
`buyer computer sends
`access URL to merchant
`computer
`
`,
`
`158
`
`1
`payment computer creates
`customer service form and
`sends it to buyer computer
`
`payment computer posts
`user comments and sends
`164
`thank you document to
`\_ ~..-b.;..u...;y~e-r_c_o_m,.:p-u_te_r ____ __,
`
`FIG. 4C
`
`(
`
`170
`
`buyer computer and
`merchant computer
`perform steps analogous
`to steps 94-104
`I
`
`Petitioners Great West Casualty Co., BITCO Gen. Ins. Corp., and BITCO Nat'l Ins. Co.
`Ex. 1006, p. 17
`
`

`
`U.S. Patent
`
`Feb. 3, 1998
`
`Sheet 16 of 25
`
`5,715,314
`
`File
`!!avigate
`Options
`Annotate
`Document Title: I Mead Data central: Internet Information
`Document URL: j http: t/www.openmarketcom/demofrl5/mall/me
`
`lJ.elp
`
`Mead Data Central:
`
`Internet Information
`
`November 28, 1993
`LC's debut on the Internet: Library of congress catalog on the
`
`Text of Abstract
`of Article
`
`VERONICA: A GOPHER NAVIGATIONAL TOOL ON THE
`INTERNET
`
`October, 1993
`
`Data transfer complete:
`IBacki!Forward IIHomeii"'R~e"'lo~a~d;"'I!'""O~p~e'::'n . ..,.J11l:S;;-a~v-:-::e--:A~s • ..,.J lCionei!New Window I! close Wlndowl
`
`FIG. 5
`
`Petitioners Great West Casualty Co., BITCO Gen. Ins. Corp., and BITCO Nat'l Ins. Co.
`Ex. 1006, p. 18
`
`

`
`U.S. Patent
`
`Feb.3, 1998
`
`Sheet 17 of 25
`
`5,715,314
`
`E!le
`
`Options
`
`!:Javigate
`
`Annotate
`
`Help
`
`Document Title: I Open Market Payment
`Document URL: I http: //payment. openmarket. com/ben/nph-payment
`
`Open Market Payment
`
`You have selected an item that requires payment
`
`KercbaDt:Test Merchant
`D••criptioD:Mead Data Central Article
`AaoUDt:2.85(US currency)
`
`It you have an Open Market account click on •continue" below and you will be prompted for
`your account naae and password. If you do not have an account, you can establish one
`on-line and return to this page to continue your purchase.
`
`Open
`
`an account on-line
`
`Continue with payment transaction.
`
`-
`
`NDrB:For demonstrations use the account name te•tu•erGopeDa&rket.aomwith
`the password te•tu•er.
`
`Open lfarlcet, Inc.
`
`Data transfer complete:
`leacki!Forward!!Home!"'IR.-e""io-a-d""l!bpen .. Jisave As •• JJCionei!New WlndowiiCiose WlndoWJ
`
`FIG. 6
`
`Petitioners Great West Casualty Co., BITCO Gen. Ins. Corp., and BITCO Nat'l Ins. Co.
`Ex. 1006, p. 19
`
`

`
`U.S. Patent
`
`Feb. 3, 1998
`
`Sheet 18 of 25
`
`5,715,314
`
`file
`
`Annotate
`Options
`Navigate
`Document Title: I Establish openMarket Account
`
`Help
`
`Document URL:I http:/fpayment.openmarket.comtservicefdestabli.
`
`card Number:
`
`1
`
`Expiration Date:
`
`(format MM/YY)
`
`Check the appropriate boxes:
`(JI am the owner of the above credit card.
`
`C)The above address is also the billing address for this credit card.
`
`Your OpenMarket account statement is available on-line. At your option you may a
`copy of your statement automatically sent to your e-mail address at weekly or monthly
`intervals. Please choose a statement option.
`
`O Weekly statements 0 Monthly statements O No e-mail statements
`
`-
`
`Account name and password
`
`Please choose an account name and password for your OpenMarket account. We
`suggest using an account name that is unique and easy to remember such as your
`e-mail address. Your password should be 8 characters or longer.
`
`Account Name
`
`Password
`
`!Backi!Forward I!Homei!Reloadl!open ... ll Save As .. J !Ctonei!Naw Windowl!ctose Windowl
`
`FIG. 7
`
`Petitioners Great West Casualty Co., BITCO Gen. Ins. Corp., and BITCO Nat'l Ins. Co.
`Ex. 1006, p. 20
`
`

`
`U.S. Patent
`
`Feb. 3, 1998
`
`Sheet 19 of 25
`
`5,715,314
`
`,__
`-
`CD
`u
`c
`G
`0
`.__
`
`co
`
`• CJ -
`
`LL
`
`••
`E
`0
`C,)
`•
`CD
`~
`G
`
`...
`..
`E c
`CD a.
`0 • ... c
`CD
`E
`~ ca a.
`ti ... c
`
`:I
`0
`(.) u
`<C
`a;
`
`:E
`
`~ .. G
`c ••
`... (.) .. CDO
`,a.
`CDO
`....... o.
`iie
`•"' -c
`......
`
`cCD
`
`CDf4 e= m
`
`::s ..
`u• oc lt-···-4
`cw
`
`Petitioners Great West Casualty Co., BITCO Gen. Ins. Corp., and BITCO Nat'l Ins. Co.
`Ex. 1006, p. 21
`
`

`
`U.S. Patent
`
`Feb. 3, 1998
`
`Sheet 20 of 25
`
`5,715,314
`
`file
`Navigate
`Annotate
`Options
`Document Title: I Open Market Payment
`
`Document URL:I http://payment.openmarket.com/ben/nph-payment
`
`Help
`
`Open Market Payment
`
`You have selected an item that you have purchased recently.
`
`Merchant: Test Merchant
`De•oription: Mead Data Central ~rticle
`Aaount: 2.85(US currency)
`
`This could happen because you would like to buy the item again or it may have happened
`by accident.
`
`"lou can:
`
`• Go directly to the previous item
`• Go ahead and buy the item again
`
`Open Market, Inc.
`
`!Backf!Forwardi!Homei!Reloadi!Open ... I!Save As .. J!Cionei!New Windowi!Ciose Wlndowl
`
`FIG. 9
`
`Petitioners Great West Casualty Co., BITCO Gen. Ins. Corp., and BITCO Nat'l Ins. Co.
`Ex. 1006, p. 22
`
`

`
`U.S. Patent
`
`Feb. 3, 1998
`
`Sheet 21 of 25
`
`5,715,314
`
`£ile
`
`Options
`
`Navigate
`
`Annotate
`
`Help
`
`Document Title: jr-L-C_' s_d_e_bu_t_o_n_t_h_e-In_t_e_r_ne_t_;_L~-· b_r_a_ry_o_f_co_n_q_r _ _ ....,JI I :e I
`
`Document URL: [ http://WWW. openmarket. comt @e720f58da6d4ebd268
`
`LC's debut on the internet Ubrary of Congress
`catalog
`
`Text of Article
`
`!Back I! Forward I!Homei!Reloadi!Open ... I!Save As .. J!Cionei!New Wlndowl !Close Windowl
`
`FIG. 10
`
`Petitioners Great West Casualty Co., BITCO Gen. Ins. Corp., and BITCO Nat'l Ins. Co.
`Ex. 1006, p. 23
`
`

`
`U.S. Patent
`
`Feb. 3, 1998
`
`Sheet 22 of 25
`
`5,715,314
`
`File
`
`Options
`!favigate
`Annotate
`Document Title: I smart statement for Test user
`Document URL: I http://payment.openmarket.comtinfnph-stateme
`
`Help
`
`,[i]
`
`Information about the item.
`Transactions In October 1994
`Mon Oct 3 Teet Karcbant Dilbert subscription 20 seconds amount $0.10
`Tue Oct 4 Teet Kercb&Dt Mead Data Central Article amount $2.95
`Tue oct 4 Test Karob&Dt Mead Data Central Article amount $2.95
`Tue Oct 4 Test Marchant Mead Data Central Article amount $2.95
`Tue oct 4 Teet Merchant N.Y. Times Article amount $0.50
`Tue Oct 4 Tast Merchant Mead Data Central Article amount $2.95
`Wed oct 5 Test Marchant Mead Data central Article amount $2.95
`Wed oct 5 Test Merchant Mead Data central Article amount $2.95
`Wed Oct 5 Teet Merchant Mead Data Central Article amount $2.95
`Wed Oct 5 Test Merchant Mead Data Central Article amount $2.95
`Wed Oct 5 Test Merchant Mead Data Central Article amount $2.95
`Wed Oct 5 Test Merchant Mead Data central Article amount $2.95
`Wed Oct 5 Teet Merchant Mead Data central Article amount $2.95
`
`Your total is 33.05.
`
`Previous Statements
`
`• September 1994
`• August 1994
`
`Return to your Newest statement
`
`Feedback
`
`You can send us comments and suggestions here.
`
`!Backi!ForwardiJHomei!Reloadi!Open .. JISave As..J!CioneJ!New WindowiiCiose Wlndowl
`
`FIG. 11
`
`Petitioners Great West Casualty Co., BITCO Gen. Ins. Corp., and BITCO Nat'l Ins. Co.
`Ex. 1006, p. 24
`
`

`
`U.S. Patent
`
`Feb. 3, 1998
`
`Sheet 23 of 25
`
`5,715,314
`
`file
`Navigate
`Annotate
`Options
`Document Title: I smart statement Detail
`
`Document URL:I http://payment.openmarket.com/@c632fl54ccao21
`
`Help
`
`Smart Statement Detail
`
`This is the detailed information about a particular transaction from your Smart Statement
`
`Transaction Information
`
`url: http:jjwww.openmarket.comtdemos/aug15/mallfmead-fingerprint/mkarticle.cgo
`transaction_log_id: 50254.0
`currency: us
`transaction_date: 781377633
`initiator: 1. o
`expiration: 2592000
`description: Mead Data Central Article
`amount: 2.95
`beneficiary: 3.0
`ip_address: 199.170.183.13
`transaction_type.p
`domain: mead.internet-1
`
`Merchant Information
`telephone: 617-621-9501
`address_1: Open Market, Inc.
`address_2: 215 First Street
`fax: 617-621-1703
`address_3: Cambridge, MA
`email: testmerchant@openmarket.com
`principal_name: Test Merchant
`
`-
`
`IBacki!Forwardi!Homei!Reloadi!Open .. J!Save As .. J!Cionei!New Wlndowl!ctose Windowl
`
`FIG. 12
`
`Petitioners Great West Casualty Co., BITCO Gen. Ins. Corp., and BITCO Nat'l Ins. Co.
`Ex. 1006, p. 25
`
`

`
`U.S. Patent
`
`Feb. 3, 1998
`
`Sheet 24 of 25
`
`5,715,314
`
`file
`
`Options
`
`Annotate
`ttavigate
`Document Title: I Smart statement Detail
`
`Jielp
`
`Document URL: I http: //payment. openmarket. com/ @c63 2f 154cc8021 I~
`
`url: http://www.openmarket.com/demos/aug15/mall/mead-fingerprint/mkarticle.cqo
`transaction_log_id: 50254.0
`currency: US
`transaction_date: 781377633
`initiator: 1. 0
`expiration: 2592000
`description: Mead Data central Article
`amount: 2. 95
`beneficiary: 3.0
`ip_address: 199.170.183.13
`transaction_type.p
`domain: mead.internet-1
`
`r--
`
`Merchant Information
`telephone: 617-621-9501
`address_l: Open Market, Inc.
`address_2: 215 First Street
`fax: 617-621-1703
`address_J: Cambridge, MA
`email: testmerchant@openmarket.com
`principal_name: Test Merchant
`home_url:
`country: US
`postal_code: 02142
`
`Feedback
`You can send us comments and suggestions here.
`
`!Backi!Forwardi!Homei!Reloadi!Open .. JJSave As .. J!Cionei!New Window!!close Windowl
`
`FIG. 13
`
`Petitioners Great West Casualty Co., BITCO Gen. Ins. Corp., and BITCO Nat'l Ins. Co.
`Ex. 1006, p. 26
`
`

`
`U.S. Patent
`
`Feb.3, 1998
`
`Sheet 25 of 25
`
`5,715,314
`
`Annotate
`
`He