throbber
Case 6:21-cv-00007 Document 1 Filed 01/06/21 Page 1 of 42
`
`UNITED STATES DISTRICT COURT
`FOR THE WESTERN DISTRICT OF TEXAS
`WACO DIVISION
`
`
`
`
`Case No. 6:21-cv-_________
`
`JURY TRIAL DEMANDED
`
`
`
`
`
`
`
`
`
`
`
`CASELAS, LLC,
`
`
`
`
`
`Plaintiff
`
` v.
`
`VOLUSION LLC,
`
`
`
`
`Defendant
`
`ORIGINAL COMPLAINT FOR PATENT INFRINGEMENT
`
`Caselas, LLC (“Plaintiff”) hereby files this Original Complaint for Patent Infringement against
`
`Volusion LLC (“Volusion” or “Defendant”), and alleges, upon information and belief, as follows:
`
`THE PARTIES
`
`1.
`
`Caselas, LLC is a limited liability company organized and existing under the laws of the State of
`
`Florida with its principal place of business at 600 S. Dixie Highway, Suite 605, West Palm Beach,
`
`Florida 33401.
`
`2.
`
`Upon information and belief, Defendant is a foreign limited liability company organized and
`
`existing under the laws of the State of Delaware, with a principal place of business located at
`
`1835A Kramer Lane #100, Austin, Texas 78731. Defendant may be served through its registered
`
`agent in the State of Texas at National Registered Agents, Inc., 1999 Bryan Street, Suite 900,
`
`Dallas, Texas 75201. On information and belief, Volusion sells, offers to sell, and otherwise
`
`provides payment processing and/or merchant account services throughout the State of Texas,
`
`including in this judicial District, and introduces payment processing and/or merchant account
`
`ORIGINAL COMPLAINT FOR PATENT INFRINGEMENT
`
`1
`
`

`

`Case 6:21-cv-00007 Document 1 Filed 01/06/21 Page 2 of 42
`
`3.
`
`4.
`
`services via its infringing systems into the stream of commerce knowing and intending that they
`
`would be extensively used in the State of Texas and in this judicial District. On information and
`
`belief, Volusion specifically targets customers in the State of Texas and in this judicial District.
`
`JURISDICTION AND VENUE
`
`This Court has subject matter jurisdiction over this case under 28 U.S.C. §§ 1331 and 1338.
`
`This Court has personal jurisdiction over Defendant. Defendant has continuous and systematic
`
`business contacts with the State of Texas. Defendant directly conducts business extensively
`
`throughout the State of Texas, by distributing, making, using, offering for sale, selling, and
`
`advertising (including the provision of interactive web pages and providing payment processing
`
`and/or merchant account services; and further including maintaining physical facilities) its services
`
`in the State of Texas and in this District. Defendant has purposefully and voluntarily made its
`
`business services, including the infringing systems, available to residents of this District and into
`
`the stream of commerce with the intention and expectation that they will be purchased and/or used
`
`by consumers in this District. On information and belief, Volusion is a provider of financial
`
`services throughout the United States, and is a registered Visa Service Provider (or ISO), and/or is
`
`a
`
`registered MasterCard
`
`Service
`
`Provider
`
`(or MSP).
`
`
`
`See,
`
`e.g.,
`
`https://www.visa.com/splisting/searchGrsp.do (Visa Registered Service Providers List); see also
`
`https://www.mastercard.us/content/mccom/en-us/merchants/safety-security/security-
`
`recommendations/service-providers-need-to-know.html/
`
`(MasterCard Registered
`
`Service
`
`Providers List).
`
`5.
`
`On information and belief, Defendant maintains physical brick-and-mortar business locations in
`
`the State of Texas and within this District, retains employees specifically in this District for the
`
`ORIGINAL COMPLAINT FOR PATENT INFRINGEMENT
`
`2
`
`

`

`Case 6:21-cv-00007 Document 1 Filed 01/06/21 Page 3 of 42
`
`purpose of servicing customers in this District, and generates substantial revenues from its business
`
`activities in this District.
`
`See https://www.volusion.com/.
`
`
`
`See https://www.volusion.com/careers.
`
`
`
`
`
`
`
`ORIGINAL COMPLAINT FOR PATENT INFRINGEMENT
`
`3
`
`

`

`Case 6:21-cv-00007 Document 1 Filed 01/06/21 Page 4 of 42
`
`
`
`6.
`
`See https://www.volusion.com/careers.
`
`On information and belief, Volusion has a substantial presence in the State of Texas and within
`
`this District, as exemplified by the LinkedIn Profile Page for Volusion, which indicates there are
`
`173 employees of Volusion residing in the Austin area.
`
`
`
`ORIGINAL COMPLAINT FOR PATENT INFRINGEMENT
`
`4
`
`

`

`Case 6:21-cv-00007 Document 1 Filed 01/06/21 Page 5 of 42
`
`
`See Volusion LinkedIn Profile Page, at https://www.linkedin.com/company/volusion/people/.
`
`On information and belief, Volusion provides financial services, including but not limited to
`
`
`
`7.
`
`payment processing and/or merchant account services, to businesses located in the State of Texas
`
`and within this District. On information and belief, Volusion further provides specific hardware
`
`(such as, for example, credit card terminals) to its customers in the State of Texas and within this
`
`District, and provides technical support for such hardware. On information and belief, Volusion
`
`further exercises ownership control over such hardware via contractual licensing and/or lease
`
`agreements with its customers.
`
`ORIGINAL COMPLAINT FOR PATENT INFRINGEMENT
`
`5
`
`

`

`Case 6:21-cv-00007 Document 1 Filed 01/06/21 Page 6 of 42
`
`8.
`
`Venue is proper in the Western District of Texas as to Defendant pursuant to at least 28 U.S.C. §§
`
`1391(c)(2) and 1400(b). As noted above, Defendant maintains a regular and established business
`
`presence in this District.
`
`PATENTS-IN-SUIT
`
`9.
`
`Plaintiff is the sole and exclusive owner, by assignment, of U.S. Patent Nos. 7,529,698 (“the ’698
`
`Patent”); 7,661,585 (“the ’585 Patent”); 9,117,206 (“the ’206 Patent”); 9,117,230 (“the ’230
`
`Patent”); and 9,715,691 (“the ’691 Patent”) (hereinafter collectively referred to as “the Caselas
`
`Patents”).
`
`10.
`
`By operation of law, the Caselas Patents were originally issued and exclusively vested to the sole
`
`named inventor, Raymond Anthony Joao, as of the date of their respective issuances. See 35
`
`U.S.C. § 261; Schwendimann v. Arkwright Advanced Coating, Inc., 959 F.3d 1065, 1072 (Fed.
`
`Cir. 2020); Suppes v. Katti, 710 Fed. Appx. 883, 887 (Fed. Cir. 2017); Taylor v. Taylor Made
`
`Plastics, Inc., 565 Fed. Appx. 888, 889 (Fed. Cir. 2014). Mr. Joao, in a written instrument dated
`
`March 6, 2012, and filed with the United States Patent and Trademark Office on May 7, 2015 at
`
`Reel 035604 and Frames 0126-0132, assigned all rights, title, and interest in the Caselas Patents
`
`to GTJ Ventures, LLC. Thereafter, in a written instrument dated October 23, 2020, GTJ Ventures
`
`assigned all rights, title, and interest in the Caselas Patents to the Plaintiff, Caselas LLC. As such,
`
`Plaintiff Caselas LLC has sole and exclusive standing to assert the Caselas Patents and to bring
`
`these causes of action.
`
`11.
`
`The Caselas Patents are valid, enforceable, and were duly issued in full compliance with Title 35
`
`of the United States Code.
`
`12.
`
`The inventions described and claimed in the Caselas Patents were invented individually and
`
`independently by Raymond Anthony Joao.
`
`ORIGINAL COMPLAINT FOR PATENT INFRINGEMENT
`
`6
`
`

`

`Case 6:21-cv-00007 Document 1 Filed 01/06/21 Page 7 of 42
`
`13.
`
`14.
`
`The Caselas Patents each include numerous claims defining distinct inventions.
`
`The priority date of each of the Caselas Patents is at least as early as January 16, 2001. As of the
`
`priority date, the inventions as claimed were novel, non-obvious, unconventional, and non-routine.
`
`15.
`
`For example, and as evidence of the stated non-routine aspects of the inventions, during
`
`prosecution of the ’206 Patent, Primary Examiner Andrew Joseph Rudy specifically and expressly
`
`considered whether the claims of the ’206 Patent were eligible under 35 USC §101 in view of the
`
`United States Supreme Court’s decision in Alice. Examiner Rudy affirmatively and expressly
`
`found that the claims are in fact patent eligible under 35 USC §101 because: (i) all claims are
`
`directed to patent-eligible subject matter; (ii) none of the claims are directed to an abstract idea;
`
`(iii) each of the claims contains an inventive concept; and (iv) there is no preemption of any
`
`abstract idea or the field of the abstract idea (if any). See Corrected Notice of Allowability, dated
`
`July 9, 2015.
`
`16.
`
`As further evidence of the stated non-routine aspects of the inventions, during prosecution of the
`
`’230 Patent, Primary Examiner Andrew Joseph Rudy specifically and expressly considered
`
`whether the claims of the ’230 Patent were eligible under 35 USC §101 in view of the United
`
`States Supreme Court’s decision in Alice. Examiner Rudy affirmatively and expressly found that
`
`the claims are in fact patent eligible under 35 USC §101 because: (i) all claims are directed to
`
`patent-eligible subject matter; (ii) none of the claims are directed to an abstract idea; (iii) each of
`
`the claims contains an inventive concept; and (iv) there is no preemption of any abstract idea or
`
`the field of the abstract idea (if any). See Corrected Notice of Allowability, dated July 9, 2015.
`
`17.
`
`As further evidence of the stated non-routine aspects of the inventions, during prosecution of the
`
`’691 Patent, Primary Examiner Andrew Joseph Rudy specifically and expressly considered
`
`whether the claims of the ’691 Patent were eligible under 35 USC §101 in view of the United
`
`ORIGINAL COMPLAINT FOR PATENT INFRINGEMENT
`
`7
`
`

`

`Case 6:21-cv-00007 Document 1 Filed 01/06/21 Page 8 of 42
`
`States Supreme Court’s decision in Alice. Examiner Rudy affirmatively and expressly found that
`
`the claims are in fact patent eligible under 35 USC §101 because: (i) all claims are directed to
`
`patent-eligible subject matter; (ii) none of the claims are directed to an abstract idea; (iii) each of
`
`the claims contains an inventive concept; and (iv) there is no preemption of any abstract idea or
`
`the field of the abstract idea (if any). See Notice of Allowability, dated April 10, 2017.
`
`18.
`
`Plaintiff alleges infringement on the part of Defendant of the ’698 Patent, the ’585 Patent, the ’206
`
`Patent, the ’230 Patent, and the ’691 Patent (collectively as the “Asserted Patents”).
`
`19.
`
`The ’698 Patent relates generally to methods which include receiving information regarding a
`
`transaction involving an account, wherein the information regarding the transaction is received by
`
`a receiver prior to a processing, a completion, a consummation, or a cancellation, of the transaction,
`
`processing the information regarding the transaction with a processing device using information
`
`regarding the account, generating a report or a message in response to the processing of the
`
`information regarding the transaction, wherein the report or the message contains information
`
`regarding a charge-back regarding a previous transaction involving the account, and transmitting
`
`the information report to a communication device associated with a merchant, vendor, or provider,
`
`of a good, product, or service. See Abstract, ’698 Patent.
`
`20.
`
`The ’585 Patent relates generally to apparatuses and methods, which include receiving information
`
`regarding a transaction involving an individual and involving an account, wherein the information
`
`regarding the transaction is received by a receiver prior to a processing, a completion, a
`
`consummation, or a cancellation, of the transaction, processing the information regarding the
`
`transaction with a processing device, generating a report or a message in response to the processing
`
`of the information regarding the transaction, wherein the report or the message contains
`
`information regarding a charge-back regarding a previous transaction involving the individual, and
`
`ORIGINAL COMPLAINT FOR PATENT INFRINGEMENT
`
`8
`
`

`

`Case 6:21-cv-00007 Document 1 Filed 01/06/21 Page 9 of 42
`
`transmitting the report or the message to a communication device associated with a merchant,
`
`vendor, or provider, of a good, product, or service. See Abstract, ’585 Patent.
`
`21.
`
`The ’206 Patent relates generally to apparatuses and methods, which include receiving information
`
`regarding an individual and information involving an account involved in a transaction, wherein
`
`the information regarding the individual is received by a receiver prior to a processing, a
`
`completion, a consummation, or a cancellation, of the transaction, processing the information
`
`regarding the individual with a processing device, generating a report or a message in response to
`
`the processing of the information regarding the individual, wherein the report or the message
`
`contains information regarding a charge-back regarding a previous transaction involving the
`
`individual, and transmitting the report or the message to a communication device associated with
`
`a merchant, vendor, or provider, of a good, product, or service. See Abstract, ’206 Patent.
`
`22.
`
`The ’230 Patent relates generally to apparatuses and methods, which include receiving information
`
`regarding a transaction involving an individual and involving an account, wherein the information
`
`regarding the transaction is received by a receiver prior to a processing, a completion, a
`
`consummation, or a cancellation, of the transaction, processing the information regarding the
`
`transaction with a processing device, generating a report or a message in response to the processing
`
`of the information regarding the transaction, wherein the report or the message contains
`
`information regarding a charge-back regarding a previous transaction involving the individual, and
`
`transmitting the report or the message to a communication device associated with a merchant,
`
`vendor, or provider, of a good, product, or service. See Abstract, ’230 Patent.
`
`23.
`
`The ’691 Patent relates generally to apparatuses and methods, which include processing, with a
`
`processing device, information regarding an account involved in a transaction involving an
`
`individual, wherein the information regarding the account is received by a receiver, and further
`
`ORIGINAL COMPLAINT FOR PATENT INFRINGEMENT
`
`9
`
`

`

`Case 6:21-cv-00007 Document 1 Filed 01/06/21 Page 10 of 42
`
`wherein the information regarding the account is processed prior to a processing, a completion, a
`
`consummation, or a cancellation, of the transaction, generating, with the processing device, a
`
`report or a message in response to the processing of the information regarding the account, wherein
`
`the report or the message contains information regarding a charge-back regarding a previous
`
`transaction involving the account, and transmitting, with or from a transmitter, the report or the
`
`message to a communication device associated with a merchant, vendor, or provider, of a good,
`
`product, or service. See Abstract, ’691 Patent.
`
`24.
`
`As noted, the claims of the Asserted Patents have priority to at least January 16, 2001. At that
`
`time, the use of chargeback data as an integral data point in payment processing was still many
`
`years away. For example, Visa did not recognize and implement chargeback data into individual
`
`real-time transaction risk assessments until 2010. Similarly, MasterCard did not recognize and
`
`implement chargeback data into individual real-time transaction risk assessments until 2015. The
`
`same is true of payment technology companies such as Intuit and Square, which did not implement
`
`chargeback data into individual real-time transaction risk assessments until 2009 and 2015,
`
`respectively. As such, the technological solutions of the Caselas Patents were not well-understood,
`
`routine, or conventional as of January 2001.
`
`25.
`
`As noted, the claims of the Asserted Patents have priority to at least January 16, 2001. Only years
`
`later would credit card issuers and payment processors begin to recognize the importance of
`
`chargebacks in the real-time processing of individual transactions. For example, the Payment Card
`
`Industry Data Security Standard (“PCI DSS”) was not developed until December 2004. Further,
`
`the Secure POS Vendor Alliance (“SPVA”) was not created until 2009 by VeriFone, Hypercom,
`
`and Ingenico. As such, the technological solutions of the Caselas Patents were not well-
`
`understood, routine, or conventional as of January 2001.
`
`ORIGINAL COMPLAINT FOR PATENT INFRINGEMENT
`
`10
`
`

`

`Case 6:21-cv-00007 Document 1 Filed 01/06/21 Page 11 of 42
`
`26.
`
`The claims of the Asserted Patents are not drawn to laws of nature, natural phenomena, or abstract
`
`ideas. Although the systems and methods claimed in the Asserted Patents are ubiquitous now
`
`(and, as a result, are widely infringed), the specific combinations of elements, as recited in the
`
`claims, were not conventional or routine at the time of the invention.
`
`27.
`
`Further, the claims of the Asserted Patents contain inventive concepts which transform the
`
`underlying non-abstract aspects of the claims into patent-eligible subject matter.
`
`28.
`
`Consequently, the claims of the Asserted Patents recite apparatuses and methods resulting in
`
`improved functionality of the claimed systems and represent technological improvements to the
`
`operation of computers. The claims of the Asserted Patents provide for more secure transaction
`
`processing, reduced fraud, reduced chargeback exposure to merchants, reduced costs to merchants
`
`(including as a result of lower chargeback ratios), reduced opportunity-cost losses to merchants,
`
`reduced costs of goods for consumers, and more secure transactions involving merchants and non-
`
`present consumers (such as, for example, online merchants). See, e.g., ’698 Patent at 1:33-2:38.
`
`29.
`
`The claims of the Asserted Patents overcome deficiencies existing in the art as of the date of
`
`invention, and comprise non-conventional approaches that transform the inventions as claimed
`
`into substantially more than mere abstract ideas. For example, as of the date of invention,
`
`“[m]erchants, vendors, or providers, of goods, products, or services, lo[se] millions of dollars each
`
`year as the result of non-payment of their receivables. Non-payment of receivables can result from
`
`credit card fraud, charge card fraud, debit card fraud, cyber-shoplifting, charge-backs, bank fraud,
`
`check fraud, the stopping of issued checks, checks returned for insufficient funds, and other causes
`
`or activities.” ’698 Patent at 1:33-39. The inventions as claimed overcome these deficiencies in
`
`the state of the art, and provide substantial cost savings and protections to all parties. As explained,
`
`as of the date of invention, “many merchants, vendors, or providers, are having their charges or
`
`ORIGINAL COMPLAINT FOR PATENT INFRINGEMENT
`
`11
`
`

`

`Case 6:21-cv-00007 Document 1 Filed 01/06/21 Page 12 of 42
`
`receivables challenged, disputed, and/or denied, by dishonest individuals. This has resulted in
`
`charge-backs to the merchants, vendors, or providers, which entail having a bank or issuer
`
`associated with the account holder’s or the account owner’s account impose a return of funds.
`
`Other fees may also be imposed on the respective merchants, vendors, or providers.” Id. at 1:62-
`
`2:2. Likewise, as of the date of invention, “the respective merchants, vendors, or providers, can
`
`lose in a number of ways. They lose the funds received, they may not have the goods, products,
`
`or services, returned, they may be charged charge-back fees, and/or they can experience
`
`opportunity costs (i.e. expended employee time and/or company resources) in dealing with the
`
`disputed charges.” Id. at 2:3-9. As such, the inventions as claimed provide non-conventional
`
`solutions to the conventional problems of the day because the likelihood of chargeback, and the
`
`resulting costs and business disruptions to the merchant, are reduced. Id. at 2:35-39.
`
`30.
`
`The inventions as claimed further overcome the deficiencies existing in the art as of the date of
`
`invention by “prevent[ing] and/or … reduc[ing] the incidence of any one or more of credit card
`
`fraud, credit account fraud, charge card fraud, charge account fraud, debit card fraud, debit account
`
`fraud, check fraud, checking account fraud, and/or cyber-shoplifting.” As explained, the
`
`inventions as claimed overcome these deficiencies by “provid[ing] an apparatus and method for
`
`providing transaction history information, account history information, and/or charge-back
`
`information which can be utilized by a merchant, vendor, or other entity, in processing, and/or in
`
`assessing the processing of, a transaction.” Id. at 2:39-48. As such, the inventions as claimed
`
`provide non-conventional solutions to the conventional problems of the day because the incidents
`
`of fraud are reduced by the use of chargeback information in the processing of transactions.
`
`31.
`
`The inventions as claimed further overcome the deficiencies existing in the art as of the date of
`
`invention by providing methods and apparatuses for processing entities to assess “whether or not
`
`ORIGINAL COMPLAINT FOR PATENT INFRINGEMENT
`
`12
`
`

`

`Case 6:21-cv-00007 Document 1 Filed 01/06/21 Page 13 of 42
`
`it should fulfill an order relating to a transaction.” As explained, the inventions as claimed
`
`overcome prior deficiencies in this regard by “process[ing] information regarding past denials of
`
`liability or responsibility regarding a transaction, past charge-back activity involving any one or
`
`more of a credit card, a credit account, a charge card, a charge account, a debit card, a debit account,
`
`or a checking account.” Id. at 2:61-3:3. As such, the inventions as claimed provide non-
`
`conventional solutions to the conventional problems of the day because the incidents of fulfilling
`
`fraudulent or potential chargeback transactions are reduced on the front end, based on past
`
`chargeback activity (among others).
`
`32.
`
`The inventions as claimed further overcome the deficiencies existing in the art as of the date of
`
`invention by providing methods and apparatuses for use in all types of transactions, including
`
`“face-to-face
`
`transactions, non-face-to-face
`
`transactions,
`
`telephone
`
`transactions, on-line
`
`transactions, mail order transactions, and/or in any other non-cash transactions.” Id. at 3:4-12. As
`
`such, the inventions as claimed provide non-conventional solutions to the conventional problems
`
`of the day by providing a solution for non-cash and non-face-to-face transactions (including online
`
`transactions), among others. Among other advancements, the inventions as claimed provided
`
`nonconventional solutions to online transaction processing, which was deficient at the time.
`
`33.
`
`The inventions as claimed further overcome the deficiencies existing in the art as of the date of
`
`invention by providing methods and apparatuses useful by “a merchant, vendor, or other entity, in
`
`order to assess an individual's or an entity's past transaction history, account history, or charge-
`
`back history, in order to determine if the individual or entity has had a history of, or could be a risk
`
`in, denying being party to a transaction involving a credit card, a credit account, a charge card, a
`
`charge account, a debit card, a debit account, or a checking account, disputing a transaction a
`
`involving credit card, a credit account, a charge card, a charge account, a debit card, a debit
`
`ORIGINAL COMPLAINT FOR PATENT INFRINGEMENT
`
`13
`
`

`

`Case 6:21-cv-00007 Document 1 Filed 01/06/21 Page 14 of 42
`
`account, passing or attempting to pass a bad check, stopping payment of an issued check, and/or
`
`in other ways attempting to defraud or otherwise obtain goods, products, or services, without
`
`paying for same, shopping same, and/or cyber-shoplifting same.” Id. at 3:13-35. As such, the
`
`inventions as claimed provide non-conventional solutions to the conventional problems of the day
`
`by providing a solution for payment processors as a safeguard against future or potential
`
`chargebacks. Among other advancements, the inventions as claimed provided nonconventional
`
`solutions, which included a consideration of historical chargebacks or fraud by the individual
`
`associated with the transaction. The inventive solution further provides for fraud and chargeback
`
`assessment “during a transaction authorization process,” which was unconventional at the time.
`
`Id. at 3:35-42.
`
`34.
`
`The inventions as claimed further overcome the deficiencies existing in the art as of the date of
`
`invention by providing for an unconventional “central processing computer,” which performs a
`
`number of specific inventive aspects of the solution. As such, the claimed “central processing
`
`computer” does not merely comprise standard conventional hardware and software; rather, as
`
`claimed, it advances the functionality of the computer as a useful tool in the electronic processing
`
`of payments and the prevention of fraud.
`
`35.
`
`The inventions as claimed provide multiple inventive technical solutions to the technological
`
`problems of the time associated with chargeback and electronic payment fraud. Among those
`
`technological solutions are: (i) providing transaction history information, account history
`
`information, and/or charge-back information, which can be utilized by a merchant, vendor, or other
`
`entity, in processing, and/or in assessing the processing of, a transaction; (ii) providing transaction
`
`history information, account history information, and/or charge-back information, which can be
`
`utilized in order to prevent and/or in order to reduce the incidence of any one or more of credit
`
`ORIGINAL COMPLAINT FOR PATENT INFRINGEMENT
`
`14
`
`

`

`Case 6:21-cv-00007 Document 1 Filed 01/06/21 Page 15 of 42
`
`card fraud, credit account fraud, charge card fraud, charge account fraud, debit card fraud, debit
`
`account fraud, check fraud, checking account fraud, or cyber-shoplifting; (iii) providing
`
`transaction history information, account history information, and/or charge-back information,
`
`which can be utilized in order to process information regarding fraudulent use of any one or more
`
`of credit cards, credit accounts, charge cards, charge accounts, debit cards, debit accounts,
`
`electronic money accounts, automated teller machines, checks, or checking accounts; (iv)
`
`providing transaction history information, account history information, and/or charge-back
`
`information, which can be utilized in order to process information regarding checks returned due
`
`to insufficient funds and checks for which stop payment orders have been made; (v) providing
`
`transaction history information, account history information, and/or charge-back information
`
`which can be utilized to process information regarding disputes and/or denial of payment
`
`assertions made in conjunction with any one or more of credit cards, credit accounts, charge cards,
`
`charge accounts, debit cards, debit accounts, electronic money accounts, checks, or checking
`
`accounts; (vi) providing transaction history information, account history information, and/or
`
`charge-back information, which can be utilized in order to process information regarding past
`
`denials of liability or responsibility regarding a transaction; (vii) providing transaction history
`
`information, account history information, and/or charge-back information, which can be utilized
`
`in order to perform risk management assessments regarding a transaction; (viii) providing
`
`transaction history information, account history information, and/or charge-back information,
`
`which can be utilized in face-to-face transactions, non-face-to-face transactions, telephone
`
`transactions, on-line transactions, mail order transactions, or in any other transactions; (ix)
`
`providing transaction history information, account history information, and/or charge-back
`
`information, which can provide information at any time during, prior to, and/or subsequent to, a
`
`ORIGINAL COMPLAINT FOR PATENT INFRINGEMENT
`
`15
`
`

`

`Case 6:21-cv-00007 Document 1 Filed 01/06/21 Page 16 of 42
`
`transaction; (x) providing transaction history information, account history information, and/or
`
`charge-back information, which can be utilized to allow a merchant, vendor, or provider, of goods,
`
`products, and/or services, to process information regarding a counterpart or counterparty to a
`
`transaction in order to determine if the counterpart or counterparty could be a risk, could be a credit
`
`risk, or might not fulfill payment obligations relating to a transaction; (xi) providing transaction
`
`history information, account history information, and/or charge-back information, which can be
`
`utilized during a transaction, during a transaction authorization process, subsequent to a
`
`transaction, subsequent to a transaction authorization process, prior to an order fulfillment process,
`
`or during an order fulfillment process; (xi) providing transaction history information, account
`
`history information, and/or charge-back information, which can be utilized on, over, or on
`
`conjunction with, any communication network or system; (xii) providing transaction history
`
`information, account history information, and/or charge-back information, which can be utilized
`
`on, over, or in conjunction with, any one or more of a telephone network, a telecommunication
`
`network, a digital communication network, a satellite communication network, a wireless
`
`communication network, a personal communication services network, a broadband
`
`communication network, or a bluetooth communication network; (xiii) providing transaction
`
`history information, account history information, and/or charge-back information, which can be
`
`utilized on, over, or in conjunction with the Internet and/or the World Wide Web; (xiv) providing
`
`transaction history information, account history information, and/or charge-back information,
`
`which can be utilized on, over, or in conjunction with a wireless communication network; (xv)
`
`providing transaction history information, account history information, and/or charge-back
`
`information, which can be utilized in order to provide information to a merchant, vendor, or
`
`provider, regarding charge-backs, stopping of payments, and/or failures to make payments, which
`
`ORIGINAL COMPLAINT FOR PATENT INFRINGEMENT
`
`16
`
`

`

`Case 6:21-cv-00007 Document 1 Filed 01/06/21 Page 17 of 42
`
`have occurred in an account of an individual or entity; (xvi) providing transaction history
`
`information, account history information, and/or charge-back information, which can provide
`
`detailed information to a merchant regarding an account transaction or subsequent activities; (xvii)
`
`providing transaction history information, account history information, and/or charge-back
`
`information, which can be utilized in order to provide transaction history information, account
`
`history information, and/or charge-back information, during a transaction authorization process,
`
`prior to an transaction authorization process, subsequent to transaction authorization process, or
`
`prior to a goods, products, and/or services, shipment or delivery; (xviii) providing transaction
`
`history information, account history information, and/or charge-back information, which can
`
`utilize intelligent agents, software agents, or mobile agents; and (xix) providing transaction history
`
`information, account history information, and/or charge-back information, which can be
`
`programmed to be self-activating or activated automatically. Id. at 5:52-7:61. Each of the
`
`foregoing represent non-routine and unconventional technological solutions to the deficiencies in
`
`the art relating to chargeback and electronic payment fraud; thus, the inventions as claimed capture
`
`inventive concepts that transform the inventions into substantially more than the mere practice of
`
`electronic payment processing.
`
`36.
`
`As noted above, during prosecution of each of the ’206 Patent, the ’230 Patent, and the ’691 Patent,
`
`the Primary Patent Examiner specifically considered whether the claims at issue were eligible
`
`under 35 USC §101 in view of the United States Supreme Court’s decision in Alice. In each
`
`instance, after due consideration, the Primary Patent Examiner expressly found that the claims are
`
`in fact patent eligible under 35 USC §101 because: (i) all claims are directed to patent-eligible
`
`subject matter; (ii) none of the claims are directed to an abstract idea; (iii) each of the claims
`
`contains an inventive concept; and (iv) there is no preemption of any abstract idea or the field of
`
`ORIGINAL COMPLAINT FOR PATENT INFRING

This document is available on Docket Alarm but you must sign up to view it.


Or .

Accessing this document will incur an additional charge of $.

After purchase, you can access this document again without charge.

Accept $ Charge
throbber

Still Working On It

This document is taking longer than usual to download. This can happen if we need to contact the court directly to obtain the document and their servers are running slowly.

Give it another minute or two to complete, and then try the refresh button.

throbber

A few More Minutes ... Still Working

It can take up to 5 minutes for us to download a document if the court servers are running slowly.

Thank you for your continued patience.

This document could not be displayed.

We could not find this document within its docket. Please go back to the docket page and check the link. If that does not work, go back to the docket and refresh it to pull the newest information.

Your account does not support viewing this document.

You need a Paid Account to view this document. Click here to change your account type.

Your account does not support viewing this document.

Set your membership status to view this document.

With a Docket Alarm membership, you'll get a whole lot more, including:

  • Up-to-date information for this case.
  • Email alerts whenever there is an update.
  • Full text search for other cases.
  • Get email alerts whenever a new case matches your search.

Become a Member

One Moment Please

The filing “” is large (MB) and is being downloaded.

Please refresh this page in a few minutes to see if the filing has been downloaded. The filing will also be emailed to you when the download completes.

Your document is on its way!

If you do not receive the document in five minutes, contact support at support@docketalarm.com.

Sealed Document

We are unable to display this document, it may be under a court ordered seal.

If you have proper credentials to access the file, you may proceed directly to the court's system using your government issued username and password.


Access Government Site

We are redirecting you
to a mobile optimized page.





Document Unreadable or Corrupt

Refresh this Document
Go to the Docket

We are unable to display this document.

Refresh this Document
Go to the Docket