`
`[19]
`
`[11] Patent Number:
`
`5,898,154
`
`Rosen
`
`[45] Date of Patent:
`
`*Apr. 27, 1999
`
`US005898154A
`
`[54]
`
`SYSTEM AND METHOD FOR UPDATING
`SECURITY INFORMATION IN A TIME-
`BASED ELECTRONIC MONETARY SYSTEM
`
`[75]
`
`Inventor: Sholom S. Rosen, New York, N.Y.
`
`[73] Assignee: Citibank, N.A., New York, N.Y.
`
`[ * ]
`
`NOUCCI
`
`This patent is subject to a terminal dis-
`claimer.
`
`[21] Appl. No.: 08/371,201
`
`[22]
`
`Filed:
`
`Jan. 11, 1995
`
`OTHER PUBLICATIONS
`
`Chaum, David, “Advances in Cryptology Proceedings of
`Crypto 83.” Plenum Press, New York 1983, pp. 377-382.
`Bruce Schneier “Applied Cryptography” 1994, pp. 417-429.
`Stephen M. Bellovin and Michael Merritt, “Limitations of
`the Kerberos Authentication System”Winter, 1991 pp. 1-16.
`“Le paiement électronique”, P. Rémery, J .C. Pailles and F.
`Lay, L’Ech0 des Recherches, No. 134, 45 trimester 1988
`—original French version and English translation.
`“(Latest) Checking Practice”, Hitoshi Horiuchi, Consultant
`C0. —, Jul. 10, 1982, 10th Edition, English translation and
`original Japanese reference.
`
`Related U.S. Application Data
`
`(List continued on next page.)
`
`[62] Division of application No. 07/794,112, Nov. 15, 1991, Pat.
`No. 5,453,601.
`
`Int. Cl.“ ............................ .. G06K 7/10; G06F 17/60
`[51]
`[52] U.S. Cl.
`............................................. .. 235/379; 380/24
`[58] Field of Search .............................. .. 380/24; 235/379
`
`[56]
`
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`
`[57]
`
`ABSTRACT
`
`An improved r11or1etary system using electronic r11edia to
`exchange economic value securely and reliably. The inven-
`tion provides a complete monetary system having electronic
`money that
`is interchangeable with conventional paper
`money comprising (1) issuing banks or financial institutions
`that are coupled to a money generator device for generating
`and issuing to subscribing customers electronic money
`including electronic currency backed by demand deposits, or
`electronic credit authorizations;
`(2) correspondent banks
`that accept and distribute the electronic money; (3) a plu-
`rality of transaction devices that are used by subscribers for
`storing electronic money, for performing money transactions
`with the on-line systems of the participating banks or for
`exchanging electronic money with other like transaction
`devices; (4) teller devices, associated with the issuing and
`correspondent banks, for process handling and interfacing
`the transaction devices to the issuing and correspondent
`banks, and for interfacing between the issuing and corre-
`spondent banks themselves; (5) a security arrangement for
`maintaining the integrity of the system; and (6) reconcilia-
`tion and clearing processes to monitor and balance the
`monetary system.
`
`(List continued on next page.)
`
`14 Claims, 69 Drawing Sheets
`
`/\
`(
`t )*—>
`
`‘
`
` /
`
`CLEARING
`/
`SYSTEM
`
`.
`
`CLEAEED
`MDNE"
`
`2
`—
`
`/4,
`/4
`TRANSACTION
`TRANSACTION
`jzjPAYMENT‘
`MONEV
`FoaE]5N:xL>i»NeE Momfg
`MODULE
`MONEY
`.15POSITSNVITHDRANALSFWMENISF05‘
`F20A:C0,N'W\‘a
`.2
`. .
`.-».m.W.
`TELLER
`5 ’] LDWSWOREIGN EXCHANEE
`BANKWQ TFANQMTICIIO
`TRANSMHOV
`'44
`“yggfl ],;—°> svsTEMs <——< 3)
`MENTS
`6 ””I7%Au1usr1
`[mnaacvms
`TRANSACTION
`22
`HEUUNCILIATIDN
`SYSTEM
`Finale]
`zznn.
`2} [HiPUR§
`5'3"” BAD 4
`
`5EpUF]TyFlCATES \/‘\1’MONEV
`].'0UULEL‘sT
`
`PROBLEVI
`REPOFTS
`
`[TIO[\JE‘]SSUED
`4
`7
`'
`RECC\tClLlfiT]ON
`SVSTEN
`BWK
`'PUSITIDV
`MONEY "24
`POSITION
`SYSTEM
`
`NETVVOHK 25 (NOT SHOWN)
`ELECTRONIC MONETARY SYSTEM
`
`
`PayPal Ex.1010, p.1
`
`
`
`
`5,898,154
`Page 2
`
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`'
`'
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`.
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`
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`~
`~
`No. 120, pp. 29-32, English Translation and Japanese ref-
`"“‘“°°'
`,
`,
`,
`“Study Ald for Bllls and Checks”, Makoto Tahlra, Japan
`Business Publisher C0., Jun. 10, 1990 (14th Edition),
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`
`.
`
`.
`
`.
`
`.
`
`.
`
`,
`
`.
`
`.
`.
`
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`.
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`.
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`.
`
`.
`
`.
`
`.
`
`,
`
`.
`
`PayPal Ex.1010, p.2
`
`
`
`
`5,898,154
`Page 3
`
`“Mirai Card (Future Card) Report”, IC Card Reduction to
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`
`PayPal Ex.1010, p.3
`
`
`
`
`U.S. Patent
`
`Apr. 27, 1999
`
`Sheet 1 of 69
`
`5,898,154
`
`FIG. 1
`
`
`
`
`__ _
`
`
`DISTRIBUTES SECURITY MESSAGES
`(CERTIFICATES, BAD MM LIST)
`
`BANK B
`BANKB
`Y
`
`ONEY :”°"E
`K
`
`
`PayPal Ex.1010, p.4
`
`
`TRANSACTION
`MM
`
`R
`MOIIIIIIS Y AMOUNT
`
`
`
`DEPOSIT!
`WITHDFIAWAU
`
`PAYMENT]
`FOREIGN
`EXCHANGE
`
`DEPOSIT!
`WITHDRAWAU
`PAYMENT]
`FOREIGN
`EXCHANGE
`
`
`
`U.S. Patent
`
`Apr. 27, 1999
`
`Sheet 2 of 69
`
`5,898,154
`
`FIG. 2
`
`
`
`
`
`TRANSACTION
`MONEY
`MODULE
`
`
`
`TRANSACTION
`MONEY
`
`
`FOREISINIQEIOARIANGE
`MODULE
`
`
`DEPOSITS/WITHDRAWALS/PAYMENTS FOR
`5
`LOANS/FOREIGN EXCHANGE
`
`
`20
`
`
`
`ACCOUNTING
`BANKING TRANSACTIONS
`SYSTEMS
`
`
`
`S
`
`ADJUST-
`
`6‘
`
`
`
`
`
`
`DEPOSITS
`
`CLEARING
`SYSTEM
`
`TRANSACTION
`RECONCILIATION
`GENERATOR
`SYSTEM
` MONEY MODULE
`
`22
`
`ISSUED
`33
`MONEY
`CLEARED MONEY ISSUED
`RECONCILIATION
`SYSTEM
`
`
`
`BANK
`POSITION
`
`MODULE LIST
`
`
`
`POSITION
`SYSTEM
`
`
`
`NETWORK 25 (NOT SHOWN)
`
`ELECTRONIC MONETARY SYSTEM
`
`PayPal Ex.1010, p.5
`
`
`
`
`U.S. Patent
`
`Apr. 27, 1999
`
`Sheet 3 of 69
`
`5,898,154
`
`TELEPHONE
`
`
`PERSONALCOMPUTER/WORKSTATION3
`
`
`
` MAINFRAME
`
`PayPal Ex.1010, p.6
`
`
`
`
`U.S. Patent
`
`Apr. 27, 1999
`
`Sheet 4 of 69
`
`5,898,154
`
`FIG. 4
`
`
`
`
`HUMAN INTERFACE
`
`LOCAL PROCESSOR
`
`COMMUNICATIONS
`
`EXTERNAL INTERFACE
`
`SESSION MANAGER
`
`30
`
`31
`
`TRANSACTOR
`32
`. . . . . . . . . . . . . . . . . . . . . . , . . . . . . . . . . _ . . . . . . . . . . . . . . . _ . . .
`
`MONEY HOLDER
`38
`. . . . . . . . . . . . . . . . . . . . . . . _ . . . ., . . . . . . . . . . . . . . . . . . . . . . . . . ..
`
`4o
`39;
`NOTE
`34
`TO
`=
`DIRECTORY
`:
`NOTES
`SUBSCRIBEFIE
`TELLER
`. . . . . . . . . . . . . . . . . . . _ . . . . . . -...---..-...-...-..._..-......
`. . . . . . . . . . . . . . . . . . . . . . _ . . . . . . . . . . . . . . , . _ . . . . . . . . . . . . .
`PACKET
`41;
`VERFIER 42
`PAY/
`355 TRANBGI MAIN'37
`MANAGER
`EXCHANGE IELOG MGR§:sE(T:fi'§|TY
`SERVICES
`
`
`
`
`
`
`
`
`
`
`
`
`
`PUBLIC
`KEY
`ALGORITHMS
`
`CRYPTOGRAPHY
`44
`SYMMETRIC 45
`KEY
`ALGORITHMS
`
`RANDOM
`NUMBER
`GENERATOR
`
`46
`
`TRANSACTION MONEY MODULE
`
`
`
`43
`
`CLOCK/
`TIMER
`
`
`PayPal Ex.1010, p.7
`
`
`
`
`U.S. Patent
`
`Apr. 27, 1999
`
`Sheet 5 of 69
`
`5,898,154
`
`
`
`EXTERNAL INTERFACE
`
`30
`
`31
`
`SESSION MANAGER
`
`TRANSACTOR
`. . . . . . . . . . . . . . . . . . . . , . . . . . . . . . . . . . . ..
`32
`38
`. . . . . . . - . . . . . . . . . . . . . . . ., . . . . . . . . . . . . . . . . . . - . . . . - . ..
`
`To
`472
`TO 34; TOMONEY4
`NOTES
`40
`. . . . ..
`. . . . . . . . . . . . . . . . . . . . . . . . . , _ . . . . . . . . . . , . . . . . . . . . . . . . . . . . .
`2
`DIRECTORY
`BANK
`sTELLER
`EGENERATOR
`. . . . . . . . . . . . . . . . ............-.........-.--.....
`TRAN LOG §MA|NTAlN5
`T0
`MANAGER ESECURITY§ TRANS-
`362
`372 ACTION 49 MANAGER
`
`
`
`
`
`
`
`
`
`
`43
`
`CLOCK/
`TIMER
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`U.S. Patent
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`Apr. 27, 1999
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`Sheet 6 of 69
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`5,898,154
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`Apr. 27, 1999
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`Sheet 7 of 69
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`Apr. 27, 1999
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`Sheet 8 of 69
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`5,898,154
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`Apr. 27, 1999
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`Sheet 9 of 69
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`5,898,154
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`U.S. Patent
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`Apr. 27, 1999
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`Sheet 10 of 69
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`5,898,154
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`FIG. 10
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`PayPal Ex.1010, p.13
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`Apr. 27, 1999
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`Apr. 27, 1999
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`Sheet 12 of 69
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`Apr. 27, 1999
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`Sheet 13 of 69
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`Sheet 15 of 69
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`Apr. 27, 1999
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`Sheet 25 of 69
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`5,898,154
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`HISTORY
`
`INVESTIGATION
`DIALOGUES
`
`MONEY ISSUED
`MASTER
`
`T T T
`ADJUSTMENTS
`BAD MONEY
`TRANSACTION
`TO ACCOUNTS
`MODULES
`PROBLEM LIST
`
`SYSTEM
`
`BANK
`
`SERVER
`
`TRANSACTION RECONCILIATION SYSTEM
`
`FIG. 25
`
`PayPal Ex.1010, p.28
`
`
`
`
`U.S. Patent
`
`Apr. 27, 1999
`
`Sheet 26 of 69
`
`5,898,154
`
`
`
`TELLER MONEY
`MODULES
`
`
`MONENSSED ...........
`RE‘é‘Y3gI%I‘AT'ON ISSUING BANK
`
`
`MONEY
`23
`DEPOSHED
`
`
`
`
`
`
`
`
`TELLER MONEY
`
`DEPOSITED
`
`CONSOLIDATE
`DEPOSITS
`
`
`
`
`
`
`BANK
`MONEY
`DEPOSITED
`
`
`
`
`CLEARING
`SYSTEM
`
`ISSUING BANK1
`
`..........
`ACCOUNTING
`TRANSACTIONS
`
`
`
`
`
`
`BANKING
`SYSTEMS
`
`CLEARING BANK 3
`
`-/13
`
`
`
`T T
`
`BANK
`MONEY
`CLEARED
`
`
`
`
`CLEARING BANK MONEY ISSUED
`RECONCILIATION SYSTEM 23
`SY'§’.}'§'h‘A"§',§OR
`
`
`
`SETTUNG
`AT ISSUING BANK 1
`
`
`
`ACCOUNTING
`TRANSACTIONS
`
`
`
`
`
`CLEARING SYSTEM
`
`FIG. 26
`
`PayPal Ex.1010, p.29
`
`
`
`
`U.S. Patent
`
`Apr. 27, 1999
`
`Sheet 27 of 69
`
`5,898,154
`
`MONEY GENERATOR
`MODULES
`
`'
`
`
`
`ISSUING BANK <1-
`
`
`MONEY
`MONEY
`DEPOSITED
`ISSUED
`
`
`3
`
`
`
`
`
`MONEY ISSUED
`RECONCILIATION
`SYSTEM
`
`
`
`
`MONEY ISSUED
`MASTER
`
`Tr
`
`MONEY
`CLEARED
`
`FROM CLEARING
`BANK3
`M T «M
`
`UNMATCHED
`MONEY CLEARED
`
`MONEY Issugn
`NOT CLEARED
`
`
`
`MONEY ISSUED
`INVESTIGATION
`
`SYSTEM
`
`
`
`ACCOUNTING
`TRANSACTIONS
`
`""—’BANK,NG
`SYSTEMS
`
`20
`
`24
`
`SYSTEM
`
`INVESTIGATION
`DIALOGUES
`‘T,
`
`CURRENT
`MONEY POSITION
`
`
`
`
`C" T C
`
`TRANSACTION
`HISTORY
`
`MONEY GENERATOR
`PROBLEMS
`
`BAD MONEY
`MODULES
`
`CLEARING BANK3
`
`BANK
`SECURITY
`SERVER
`
`27
`
`CERTIFICATION
`AGENCY 28
`
`MONEY ISSUED RECONCILIATION SYSTEM
`
`FIG. 27
`
`PayPal Ex.1010, p.30
`
`
`
`
`U.S. Patent
`
`Apr. 27, 1999
`
`Sheet 28 of 69
`
`5,898,154
`
`SET UP WITHDRAWAL
`A —->TELLER B
`
`43-47
`
`TO TRANSACTION B
`CHECK NOTES TRANSFERRED
`
`72
`
`74
`
`TO BANK B
`POST ACCOUNTING TRANSACTION
`(SEE ACCOUNTING)
`
`776
`
`ESTABLISH SESSION
`TELLER B->MG
`
`190-258
`
`TO BANK B
`POST ACCOUNTING TRANSACTION
`(see ACCOUNTING)
`
`REQUEST NOTES
`TELLER B—>MG
`
`780-792
`
`TRANSFER NOTES
`MG —>TELLER B
`
`750-770
`
`TRANSFER NOTES
`TELLER B —>A
`
`750-770
`
`A——>co¥l§f.||:rER B
`
`59°‘593
`
`COMMN
`TELLER B—>MG
`
`590693
`
`I6WITHDRAWAL FROM ISSUING BANK
`
`FIG. 28
`
`PayPal Ex.1010, p.31
`
`
`
`
`U.S. Patent
`
`Apr. 27, 1999
`
`Sheet 29 of 69
`
`5,898,154
`
`A SIGNS ON MONEY MODULE
`
`0'42
`
`TO SUBSCRIBER A
`PROMPT POR TRANSACTION
`
`A 3
`
`A PlCKS WITHDRAWAL AMOUNT,
`BANK, AND ACCOUNT #
`
`44
`
`MONEY MODULE
`NETWORK SIGN ON A
`
`_
`5° 153
`
`ESTABLISH SESSION
`A——>TELLER B
`
`190-258
`
`REOUEST WITHDRAWAL
`A-—->TELLER B
`
`700-724
`
`To TELLER A
`TRANSFER TOTALOFCURRENCY
`AND TRANSFERRED CREDIT NOTES
`
`45
`
`NO6
`
`750-770
`
` N
`
`YES
`TRANSFER NOTES
`A—>TELLER B
`
`7 I
`T0 TEU-ER A
`SEND ESSAGE NO NOTES
`
`SEND MESSAGE
`A—*TELLER B
`
`-3
`
`T
`
`SETUP WITHDRAWAL
`
`FIG. 29
`
`PayPal Ex.1010, p.32
`
`
`
`
`U.S. Patent
`
`Apr. 27, 1999
`
`Sheet 30 of 69
`
`5,898,154
`
`To TELLER x
`SEND WITHDRAWAL REQUEST,
`AMOUNT, ACCOUNT#, ACCOUNT PROFILE
`
`790
`
`FIG. 30
`
`SEND MESSAGE
`
`2-8
`
`VALIDATE ACCOUNT NUMBER
`
`70417055
`
`TO BANK v
`VERIFY THERE IS SUFFICIENT FUNDS
`
`704
`
`671
`
`YES
`
`YES
`
`0
`
`SEND MESSAGE
`Y ->X
`
`714
`
`T0 TELLER X
`RECEIVE ACKNOWLEDGEMENT
`
`REQUEST WITHDRAWAL
`
`PayPal Ex.1010, p.33
`
`
`
`
`U.S. Patent
`
`Apr. 27, 1999
`
`Sheet 31 of 69
`
`5,898,154
`
`FIG. 30A
`
`
`
`
`
`718
`
`TO TRANSACTION Y
`SEND MESSAGE
`|NSUFF|C|ENT FUNDS
`
`
`
`TO SUBSCRIBER X
`
`PROMPT SUBSCRIBER
`FOR NEW AMOUNT
`
`
`500-524
`
`720
`
`
`
`TO TELLER X
`SEND AMOUNT
`
`NO
`
`SEND MESSAGE
`
`X—>Y
`
`REQUEST WITHDRAWAL (CONTINUED)
`
`PayPal Ex.1010, p.34
`
`
`
`
`U.S. Patent
`
`Apr. 27, 1999
`
`Sheet 32 of 69
`
`5,898,154
`
`FIG‘ 31
`
`SUBSCRIBER PROMPTS FOR SIGN ON
`
`0
`
`
`
`
`
`SESSION MANAGER
`RECEIVE PROMPT NOTE SIGN ON SESSION
`CHECK IF SIGN ON INHIBITED
`
`
`
`
`16
`
`SESSION MANAGER YES
`
`CHECK TIIvIER
`
`14
`
`NO
`
`18
`
`TIMER
`EXPIRED?
`
`YES
`
`To SUBSCRIBER
`SEND SUBSCRIBER
`SIGN ON INSTRUCTION
`
`22
`
`SUBSCRIBER PERFORMS
`SIGN ON TASK
`
`24
`
`SESSION MANAGER
`RECEIVE SIGN ON DATA
`
`25
`
`
` TO SUBSCRIBER
`
`
`
`SEND MESSAGE
`SIGN ON INHIBITED
`
`T0 SUBSCRIBER
`VERIFY SIGN ON INFORMATION
`
`28
`
`30
`
`YES
`
`~° D
`
`
`SUBSCRIBER MONEY MODULE SIGN ON
`
`PayPal Ex.1010, p.35
`
`
`
`
`U.S. Patent
`
`Apr. 27, 1999
`
`Sheet 33 of 69
`
`5,898,154
`
`FIG. 31A
`
`NOTE SIGN ON INHIBITED
`
` SESSION MANAGER
`
`
`
`SESSION MANAGER
`NOTE SIGN ON TERMINATED
`
`CLOCK/TIMER
`SET TIMER
`
`SUBSCRIBER MONEY MODULE SIGN ON (CONTINUED)
`
`PayPal Ex.1010, p.36
`
`
`
`
`U.S. Patent
`
`Apr. 27, 1999
`
`Sheet 34 of 69
`
`5,898,154
`
`FIG. 32 ABORT TRANSACTION
`xav
`
`
`
`
`
`
`
` 500
`
`502
`
`SESSION MANAGER
`ROLL-BACK CHANGES
`
`SESSION MANAGER x
`NOTE TRANSACTION ABORTED
`
`504
`
`+
`TRANSACTION
`MM?
`
`NO
`
`506
`
`NO
`
`510
`
`51 2
`
`YE
`
`S
`T0 SUBSCRIBER x
`SEND MESSAGE TRANSACTION ABORTED
`
`SESSION MANAGER x
`SEND MESSAGE TO Y THAT
`TRANSACTION CANNOT BE COMPLETED
`
`508
`
`YES
`
`REVEEggQ§IC<gUNT|NG
`TRANSACTIONS
`
`SEND MESSAGE
`x—>v
`
`2-8
`
`SESSION MANAGER Y
`ROLL-BACK CHANGES
`
`514
`
`SESSION MANAGER Y
`NOTE TRANSACTION ABORTED
`
`515
`
`518
`
`MM?
`
`520
`
`R
`NO
`NO
`
`524
`
`TO SUBSCRIBER Y
`SEND MESSAGE TRANSACTION ABORTED
`
`
`
`TO BANK X
`REVERSE ACCOUNTING
`TRANSACTIONS
`
`ABORT TRANSACTION MONEY MODULE TO MONEY MODULE
`
`PayPal Ex.1010, p.37
`
`
`
`
`U-S- Patent
`
`Apr- 27, 1999
`
`Sheet 35 of 69
`
`5,898,154
`
`SESSION MANAGER A
`ESTABLISH COMMUNICATION
`
`
`
`
`
`NETWORK SERVER
`REQUEST CERTIFICATE
`
`SESSION MANAGER A
`RECEIVE REQUEST
`
`50
`
`FIG. 33
`
`52
`
`54
`
`MAINTAIN SECURITY A
`
`RETREIVE CERTIFICATE
`
`55 0
`
`58
`
`SESSION MANCASERTS
`SEND CERTIFI A E
`NETWORK SERVER
`
`NETWORK SERVER
`ROUTE CERTIFICATE TO
`SECURITY SERVER
`
`62
`
`SECURITY SERVER
`VERIFY CERTIFICATE
`
`NO
`
`CERTIFICATE
`AND"
`YES
`U
`
`SECURITY SERVER
`SEND MESSAGE TO NETWORK
`SERVER TO DENY ACCESS
`
`NETWORK SERVER
`SEND MESSAGE TO MM
`TO DENY ACCESS
`
`70
`SESSION MANAGER A
`RECEIVE MESSAGE NOTE
`SIGN ON DENIED
`
`72"\
`
`NO
`
`To BANK A
`TRANSACTION
`SEND MESSAGE
`MM?
`SIGN ON DENIED
`TO SUBSCRIBER A @
`
`74
`
`YES
`
`SEND MESSAGE SIGN ON
`DENIED
`
`MONEY MODULE NETWORK SIGN ON
`
`PayPal Ex.1010, p.38
`
`
`
`
`U.S. Patent
`
`Apr. 27, 1999
`
`Sheet 36 of 69
`
`5,898,154
`
`FIG. 33A
`
` 73
`
`
`
`
`
`SECURITY SERVER
`SEND BAD MONEY MODULE
`LIST AND NEW LIST OF
`CERTIFICATORY KEYS
`SIGNED USING LAST VERSION
`
`OF CERTIFICATORY KEY AND NOTICE
`
`
`TO RECERTIFY (IF NEEDED)
`
`
`
`
`
`SESSION MANAGER A
`RECEIVE MESSAGE
`
`MAINTAIN SECURITY A
`VALIDATE LISTS
`
`PUBLIC KEY A
`VALIDATE SIGNATURE
`
`80
`
`32
`
`84
`
`88
`
`NO
`
`RANSACTIO
`MM?
`YES
`To SUBSCRIBER A
`
`SECURITY PROBLEM
`
`
`
`TO BANK A
`SEND MESSAGE NETWORK
`SECURITY PROBLEM
`
`%
`
`86
`
`NO
`
`YES
`MAINTAIN SECURITY A
`
`
`YES
`CERTIFICATE
`
`TO BE
`RECERTIFIED?
`
`
`NO
`
`98
`
`
`
`a YES
`
`CERTIFICATE
`EXPIRED?
`
`NO
`
`100
`
`SESSION MANAGER A
`REQUEST DATE AND TIME
`
`MONEY MODULE NETWORK SIGN ON (CONTINUED)
`
`PayPal Ex.1010, p.39
`
`
`
`
`U.S. Patent
`
`Apr. 27, 1999
`
`Sheet 37 of 69
`
`5,898,154
`
`
`
`CLOCKITIMER A
`SEND TIME
`AND DATE TO SESSION
`MANAGER
`
`SESSION MANAGER A
`SEND DATE
`AND TIME TO NETWORK
`
`
`SERVER
`
`102
`
`FIG. 33B
`
`‘I04
`
`1 10
`
`NETWORK SERVER
`SET NEW TIME AND DATE
`
`106
`
`NETWORK SERVER
`RECEIVE TIME AND DATE
`CHECK TIME AND DATE
`
`SESSION MANAGER A
`RECEIVE DATE AND TIME
`
`112
`
`
`TIME & DATE
`108
`
`W/IN
`
`PARAMETER?
`
`YES
`
`126
`
`NETWORK SERVER
`SEND ACKNOWLEDGEMENT
`
`NO
`
`CLOCKITIMER A
`ADJUST TIME AND DATE
`
`114
`
`
`
`
`
`2 THRESHOLD
`OF RETFIIES
`
`YES
`
`120
`
`128
`
`SESSION MANAGER A
`RECEIVE
`ACKNOWLEDGEMENT AND
`NOTE NETWORK SIGN ON
`
`
`
`
`
`118
`
`TRANSACTION
`MM?
`
`
`NO TO BANK A
`SEND MESSAGE
`CLOCK
`MALFUNCTION
`
`
`
`
`TO SUBSCRIBER A
`SEND MESSAGE TO SUBSCIRBER
`CLOCK MALFUNCTION
`
`QIES
`
`<@’
`
`122
`
`NO
`
`MONEY MODULE NETWORK SIGN ON (CONTINUED)
`
`PayPal Ex.1010, p.40
`
`
`
`
`U.S. Patent
`
`Apr. 27, 1999
`
`Sheet 38 of 69
`
`5,898,154
`
`FIG. 33C
`
`
`
`
`
`MAINTAIN SECURITY A
`
`GENERATE NEW CERTIFICATE
`
`126
`
`
`
`128
`
`130
`
`1
`
`32
`
` PUBLIC KEY A
`GENERATE NEW KEYS AND SIGNS
`CERTIFICATES WITH OLD KEY
`
`
`
`SESSION MANAGER A
`SEND SIGNED CERTIFICATE TO
`SECURITY SERVER
`
`SECURITY SERVER
`RECEIVE CERTIFICATE APPLICATION
`
`
`
`
`
`136
`
`SIGNATURE
`VALID?
`
`YE S
`
`MONEY MODULE NETWORK SIGN ON (CONTINUED)
`
`PayPal Ex.1010, p.41
`
`
`
`
`U.S. Patent
`
`Apr. 27, 1999
`
`Sheet 39 of 69
`
`5,898,154
`
`0 FIG. 33D
`
`140
`
`SESSION MANAGER A
`RECEIVE CERTIFICATE
`
`142
`
`MAINTAIN SECURITY A
`VALIDATE CERTIFICATE
`
`150
`
` SESSION MANAGER A
`
`SECNEDR¥',,E=,5CS,f‘T%ET’(*,ND
`
`
`
`
`SECURITY SERVER-
`CEFITIFICATE INVALID
`
`
`
`
`
`
`SECURITY SERVER
`
`152
`
`PUBLIC KEY A
`VALIDATE SIGNATURE
`
`ERTIFI AT
`
`154
`
`YE
`
`146
`NO® Io
`
`o
`
`15
`
`6
`
`SECURITY SERVER
`DISCONNECT FROM NETwoRK
`
`1 48
`
`YES
`SESSION MANAGER A
`SEND ACKNOWLEDGEMENT
`To SECURITY SERVER
`
`9
`
`158
`
`NETWORK SERVER
`SEND MESSA(§rEOC?\’I‘3MMALFUNCT|ON
`sEssIoN MANAGER A
`150
`
`RECEIVE MESSAGE
`
`162
`
`TRANSACTION
`MM?
`
`164
`
`To SUBSCRIBER A
`
`NO
`
`
`
`REDUEST SUBSCRIBER FOR RETRY
`
`1 66
`
`To BANK A
`REQUEST FOR RETRY
`
`168
`
`NO
`
`MONEY MODULE NETWORK SIGN ON (CONTINUED)
`
`PayPal Ex.1010, p.42
`
`
`
`
`U.S. Patent
`
`Apr. 27, 1999
`
`Sheet 40 of 69
`
`5,898,154
`
`FIG. 34
`
`SESSION MANAGER A
`CHECK IF NETWORK
`CONNECTION TO ANOTHER
`MONEY MODULE IS REQUIRED
`
`
`
`
`
`190
`
`
`
`CONNECTIO
`NEEDED?
`
`
`
`192
`
`YES
`
`
`
`
`
`
`sEssIoN MANAGER A
`SEND NETWORK sERvER
`REQUIRED DESTINATION
`
`/194
`