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`a2) United States Patent
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`US 10,628,820 B2
`10) Patent No.:
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` Wyatt (45) Date of Patent: *Apr. 21, 2020
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`US010628820B2
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`(56)
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`(54) MULTI-FUNCTION ELECTRONIC PAYMENT
`20/346 (2013.01); GO6Q 20/347 (2013.01);
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`DEVICE
`G06Q 20/352 (2013.01); G06Q 20/385
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`(2013.01);
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`(71) Applicant: Virtual Electric Inc., San Jose, CA
`(Continued)
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`(US)
`(58) Field of Classification Search
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`:
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`CPC wee G06K 17/0022; GO6K 19/0719; GO6K
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`Inventor: David Wyatt, San Jose, CA (US)
`(72)
`19/07703:; GO6K 19/12: GO6K 19/14:
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`Lo.
`(73) Assignee: Virtual Electric Inc., San Jose, CA
`GO6K 7/0008
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`(US)
`See application file for complete search history.
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`Subject to any disclaimer, the term ofthis
`References Cited
`(*) Notice:
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`patent ‘sacbyby0ck adjusted under 35
`U.S. PATENT DOCUMENTS
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`S.C. y0days.
`10/2003 Blossom
`:
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`6,631,849 B2
`:
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`as patent is subject to a terminal dis-
`6.641.050 B2
`11/2003 Kelleyetal.
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`Cranmer.
`(Continued)
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`Primary Examiner — Seung, H Lee
`(21) Appl. No.: 16/025,829
`
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`
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`ABSTRACT
`(22)
`Filed:
`Jul. 2, 2018
`(57)
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`(65)
`Prior Publication Data
`An embodiment includes a multi-function electronic device
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`capable of generating a programmed magnetic field of
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`US 2019/0197520 Al
`Jun. 27, 2019
`alternating polarity based on a speed of a card swipe, and
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`methods for constructing the device for the purpose of
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`Related U.S. Application Data
`emulating a standard credit card. An apparatus is described
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`(63) Continuation of application No. 15/250,698, filed on
`to allow the device to emulate behavior ofa credit card when
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`29. 2016. now Pat. No. 10.013.693. which is a
`used in electronic credit card readers. Additionally methods
`Aug.
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`
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`Co eos
`B47
`>
`are described to allow user control of the device for the
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`(Continued)
`purpose ofauthorizing or controlling use of the device in the
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`application of credit, debit and cash transactions, including
`‘
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`cryptocurrency and card-to-card transactions. Methods are
`also described for generating a limited-duration credit card
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`number when performing a transaction for the purpose of
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`creating a limited-use credit card number, which is limited
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`in scope of use to a predetermined number of authorized
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`transactions. Furthermore the device may interact with other
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`similar devices in proximity for the purpose of funds or
`credit/debit transfers.
`
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`(51)
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`Int. Cl.
`G060
`20/34
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`Go0 19/00
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`20 Claims, 13 Drawing Sheets
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`2012.01
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`(2006.0>
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`01)
`(
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`(Continued)
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`(52) U.S. Cl.
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`CPC..... G06Q 20/341 (2013.01); G06K 19/06206
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`(2013.01); GO6K 19/0716 (2013.01); GO6K
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`19/07749 (2013.01); GO6Q 20/06 (2013.01);
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`G06Q 20/065 (2013.01); GO6Q 20/223
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`(2013.01); GO6Q 20/24 (2013.01); GO6Q
`280
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`display a plurality of accounts stored by a memary comprised by
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`4 credit card device
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`¥ r
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`284
`eceive an indication of a selection of an account from the
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`dluratity of accounts
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`_Yo
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`¥ c
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`onfigure the credit card device to perform a transaction
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`according to user data assoviaied with the selected account
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`a8
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`encode a planar coll of the credit card device witha limited-
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`duration credit number associated with the selected account
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`US 10,628,820 B2
` Page 2
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`Related U.S. Application Data
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`continuation of application No. 14/680,946, filed on
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`Apr. 7, 2015, now Pat. No. 9,430,765, which is a
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`continuation of application No. 14/217,261, filed on
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`Mar. 17, 2014, now Pat. No. 9,022,286.
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`(60) Provisional application No. 61/794,891, filed on Mar.
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`15, 2013.
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`(56)
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`References Cited
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`4/2007 Leizerovich et al.
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`7/2014 Hoffman
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`9,022,286 B2
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`12/2015 Wyatt
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`12/2016 Weiss
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`1/2017 Garrett et al.
`9,536,238 B2
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`9/2017 Wyatt
`9,760,884 B2
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`7/2018 Wyatt
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`2/2006 Sines
`2006/0032908 AL
`G06K 19/077
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`9/2008. Pretaetall.
`2008/0223937 Al
`G06Q 20/24
`10/2010 Garrett et al.
`2010/0260388 Al
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`6/2011 Bonaet al.
`2011/0140841 Al
`G06Q 20/40
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`2/2013 Guillaudet al.
`2013/0048712 Al
`(52) U.S. Cl.
`
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`
`CPC... G06Q 20/3827 (2013.01); G06Q 20/409=2013'0124202 AL 5/2013. Juthani
`
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`.
`.
`2014/0052632 Al
`2/2014 Galloway
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`(2013.01); G06Q 20/4012 (2013.01); GO7F
`2014/0279555 Al
`9/2014 Guillaud
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`
`7/0873 (2013.01); GO7F 19/00 (2013.01)
`2018/0240106 Al
`8/2018 Garrett et al.
`
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`
`
`(51)
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`(2012.01)
`
`
`(2012.01)
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`(2012.01)
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`(2006.01)
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`(2006.01)
`(2006.01)
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`(2006.01)
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`(2012.01)
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`(2012.01)
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`U.S. Patent
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`Apr.21, 2020
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`Sheet 1 of 13
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`US 10,628,820 B2
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`3430
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`FIG. 4
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`456
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`Apr.21, 2020
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`Sheet 2 of 13
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`US 10,628,820 B2
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`Motion 222
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`Detection
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`238
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`CARDWARE EXHIBIT 2033, PAGE 4 of 27
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`Sheet 3 of 13
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`US 10,628,820 B2
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`> cm
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`282
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`display a plurality of accounts sicred by a memory comprised by
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`a credit card device
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`duration credit number associated with the selected account
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`receive an indication of a selection of an account from the
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`plurality of accounts
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`configure the credit card device to perform a transaction
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`according to user data associated with the selected account
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`86
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`encode a planar call of the credit card device with a limited-
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`FIG. 2C
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`Sheet 4 of 13
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`Kad
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`ion]
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`is a standard magnetic card
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`reader detected fo be in
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`proximity?
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`NO
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`YES
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`is hased on the detected movement rate
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`Detect a movement rate al which the body of the credif card
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`device is moving relative to the standard magnetic card reader
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`3
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`Generate a magnetic field via an inductor assembly comprised by
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`the credit card device, the magnetic field having a target rate of
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`alternating polarity, wherein the target rate of alternating polarity
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`FIG. 3
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`FIG. 4A
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`FIG. 4B
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`Apr.21, 2020
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`US 10,628,820 B2
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`FIG. 6
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`60a
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`650a
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`Sheet 7 of 13
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`US 10,628,820 B2
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`|
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`mond(oo)fo]
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`receive an inpul signal at a credit card device fram a user
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`enabling operation of a near-field carnmunication (NFC) unit of
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`the credil card device
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`receive an indication of an amount of currency for a transaction
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`card device fo a recipient of the transaction
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`708
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`generate, at the credit card device, an limited-duration credit card
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`number
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`transmit the limited-duration credit card number fram the credi
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`FIG. 7
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`Apr. 21, 2020
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`Sheet 8 of 13
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`US 10,628,820 B2
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`CARDWAREEXHIBIT 2033, PAGE 10 of 27
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`U.S. Patent
`
`
`
`
`Apr. 21, 2020
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`
`
`Sheet 9 of 13
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`US 10,628,820 B2
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`CARDWAREEXHIBIT 2033, PAGE 11 of 27
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`U.S. Patent
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`
`Apr. 21, 2020
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`
`
`Sheet 10 of 13
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`US 10,628,820 B2
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`CARDWAREEXHIBIT 2033, PAGE 12 of 27
`SAMSUNG V. CARDWARE PGR2023-00013
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`CARDWARE EXHIBIT 2033, PAGE 12 of 27
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`U.S. Patent
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`US 10,628,820 B2
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`CARDWAREEXHIBIT 2033, PAGE 13 of 27
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`CARDWARE EXHIBIT 2033, PAGE 13 of 27
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`U.S. Patent
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`Apr.21, 2020
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`Sheet 12 of 13
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`US 10,628,820 B2
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`No Fixed Payment‘a =
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`Contacts
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`Fig 11
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`CARDWAREEXHIBIT 2033, PAGE 14 of 27
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`Sheet 13 of 13
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`US 10,628,820 B2
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`1
`MULTI-FUNCTION ELECTRONIC PAYMENT
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`DEVICE
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`US 10,628,820 B2
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`in various ways, susceptible to theft and/or compromise.
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`Therefore, these types of credit cards have security limita-
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`tions. Further, cards employing smart
`integrated circuit
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`chips and RF technology are not in wide use at present
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`because they are incompatible with existing credit card
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`infrastructure, which still predominantly supports conven-
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`tional plastic credit cards.
`SUMMARY OF THE INVENTION
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`RELATED APPLICATIONS
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`This is a Continuation application of, commonly-owned
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`USS. patent application Ser. No. 15/250,698, now US. Pat.
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`No. 10,013,693, filed Aug. 29, 2016, which in turn was a
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`continuation of U.S. patent application Ser. No. 14/680,946,
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`now U.S. Pat. No. 9,430,765 entitled “MULTI-FUNC-
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`TIONAL CREDIT CARD TYPE PORTABLE ELEC-
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`TRONIC DEVICE,”filed Apr. 7, 2016 to inventor David
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`Wyatt, which is itself a continuation of U.S. patent appli-
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`cation Ser. No. 14/217,261, now U.S. Pat. No. 9,022,286,
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`similarly entitled “MULTI-FUNCTIONAL CREDIT CARD
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`TYPE PORTABLE ELECTRONIC DEVICE,”filed Mar.
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`17, 2014 by the same inventor David Wyatt, and claims the
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`benefit of U.S. Provisional Patent No. 61/794,891 entitled
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`“Multi-Functional Credit Card Device,”filed Mar. 15, 2013
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`to inventor David Wyatt. The benefit of the earlier filing
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`dates is hereby claimed and the contents of the earlier filed
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`related applications are further incorporated by reference in
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`their entirety.
`FIELD OF THE INVENTION
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`This Summary is provided to introduce a selection of
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`concepts in a simplified form that are further described
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`below in the Detailed Description. This Summary is not
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`intended to identify key features or essential features of the
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`claimed subject matter, nor is it intended to be used to limit
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`the scope of the claimed subject matter.
`An embodiment
`includes a multi-function electronic
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`device capable of generating a programmed magnetic field
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`of alternating polarity based on a speed of a card swipe, and
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`methods for constructing the device for the purpose of
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`emulating a standard credit card. An apparatus is described
`to allow said device to emulate behavior of a credit card
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`when used in electronic credit card readers. Additionally
`methods are described to allow user control of said device
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`for the purpose of authorizing or controlling use of said
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`device in the application of credit, debit and cash transac-
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`tions,
`including cryptocurrency and card-to-card transac-
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`tions. Methods are also described for generating a limited-
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`duration credit card number when performing a transaction
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`for the purpose of creating a limited-use credit card number,
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`whichis limited in scope of use to a predetermined number
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`of authorized transactions. Furthermore said device may
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`interact with other similar devices in proximity for the
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`purpose of funds or credit/debit transfers.
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`More specifically, an aspect of the present disclosure
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`provides an apparatus comprising: a thin card shaped sized
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`body; a memory operative to store a plurality of identifica-
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`tion data; a processor coupled to the memory; a user
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`interface for selecting a select identification data of said
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`plurality of identification data; a magnetic card reader detec-
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`tion unit for determining if the body is adjacent to a standard
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`magnetic card reader; and an inductor assembly coupled to
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`the processor and integrated into the body,
`the inductor
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`assembly under processor control for generating a magnetic
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`field of alternating polarity responsive to the body being
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`detected as adjacent to a standard magnetic card reader, the
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`magnetic field generated in a region substantially encom-
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`passing the standard magnetic card reader, wherein the
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`magnetic field encodes said select identification data, and
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`wherein the magnetic field is operable to be read by a
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`magnetic read head of the standard magnetic card reader.
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`According to another aspect of the present disclosure, a
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`multi-function electronic device comprises: a near-field
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`communication (NFC) unit; a touch sensorarray; a display;
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`a motion rate detection array; a memory, storing a user data
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`and a currency amount; and a processor operatively coupled
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`to the NFC unit, the touch sensor array, the display, the
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`motion rate detection array, and the memory; and wherein
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`the processor initiates a card-to-card transaction between
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`two multi-function electronic devices by a detected prox-
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`imity of a first multi-function electronic device and a second
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`multi-function electronic device and an input of information
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`by a first user via said touch sensor array, and wherein the
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`card-to-card transaction comprises an exchange of stored
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`currency andsaid user data betweenthe first multi-function
`electronic device and the second multi-function electronic
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`device via the NFC unit.
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`CARDWAREEXHIBIT 2033, PAGE 16 of 27
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`40
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`Embodiments according to the present disclosure gener-
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`ally relate to electronic or smartmulti-function electronic
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`devices and, more specifically, to more secure, smart multi-
`30
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`function electronic payment devices and transaction pro-
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`cessing thereof.
`BACKGROUND OF THE INVENTION
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`There are several different types of credit cards available
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`in the marketplace at present. A first type of credit card is a
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`conventional, standardpiece of plastic with a magneticstrip,
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`whichis readily available and in wide commercial use. The
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`advantage of this first type of credit card is that a large
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`portion of the infrastructure for credit card transactions is
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`built around this type of card, and consequently such a card
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`works in a wide array of vendors’ credit card machines,
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`automated teller machines (ATMs), and other devices that
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`support the present credit card and banking infrastructure.
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`Another type of credit card device employs the use of a
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`smart integrated circuit chip. These types of credit cards
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`have a built in microprocessor with cryptographic capabili-
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`ties. These microprocessors operate in a similar mannerto a
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`cell phone having a chip comprising a cryptographic pro-
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`cessor. Such a smart card device requires contact with a
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`reader in order to be read and to perform a transaction. The
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`reader provides the mannerin whicha facility interacts with
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`the built-in processor on the card, e.g., for purposes of
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`performingverification on the authenticity of the card or for
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`making a direct deposit on the card. These credit card
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`devices also comprise a magnetic strip such that they are
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`compatible with standard plastic credit card readers in wide
`use.
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`type of credit card device in circulation
`A different
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`employs radio frequency identification (‘RFID’). These
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`cards essentially have a low-power RF antennabuilt into the
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`card, and when the cardholder passes the antenna in front of
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`a reader comprising an RF field, enough poweris generated
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`to enable the processor to interact wirelessly with the
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`receiving device.
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`A concern with each of these types of credit cards
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`presently available in the marketplace is that they can all be,
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`CARDWARE EXHIBIT 2033, PAGE 16 of 27
`SAMSUNG V. CARDWARE PGR2023-00013
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`US 10,628,820 B2
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`4
`DETAILED DESCRIPTION OF THE
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`INVENTION
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`3
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`According to yet another aspect of the present disclosure,
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`a method of performing a transaction comprises: receiving
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`an input signal at a multi-function electronic device from a
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`user enabling operation of a near-field communication
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`(NFC)unit of the multi-function electronic device; receiving
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`an indication of an amount of currency for a transaction;
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`generating at said multi-function electronic device a limited-
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`duration credit card number; and transmitting said limited-
`duration credit card number from said multi-function elec-
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`tronic device to a recipient of the transaction.
`BRIEF DESCRIPTION OF THE DRAWINGS
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`Embodiments of the present disclosure are illustrated by
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`way of example, and not by way oflimitation, in the figures
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`of the accompanying drawings and in which like reference
`numerals refer to similar elements.
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`FIG. 1 is an illustration depicting an exemplary interac-
`tion between a multi-function electronic device and a stan-
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`dard magnetic card reader, according to an embodiment of
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`the present disclosure.
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`FIGS. 2A-2B are block diagrams illustrating data flow
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`between the magnetic coils on the multi-function electronic
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`device and the microprocessor on the multi-function elec-
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`tronic device according to an embodiment of the present
`disclosure.
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`FIG. 2C depicts an exemplary process of selecting an
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`account from a plurality of stored accounts according to an
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`embodimentof the present disclosure.
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`FIG.3 is a flowchart illustrating an exemplary process of
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`generating a magnetic field with an alternating polarity
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`according to an embodiment of the present disclosure.
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`FIGS. 4A-4B illustrate a user interacting with a touch
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`sensor of the multi-function electronic device, according to
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`an embodimentof the present disclosure.
`FIG. 5 is an illustration of a multi-function electronic
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`device connected with a computing system and operating
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`according to an embodiment of the present disclosure.
`FIG.6 is an illustration of two multi-function electronic
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`devices performing a transaction according to an embodi-
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`ment of the present disclosure.
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`FIG. 7 depicts an exemplary process according to an
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`embodimentof the present disclosure.
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`FIG.8A illustrates an exemplary multifunction electronic
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`device,
`in accordance with embodiments of the present
`invention.
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`FIG.8B illustrates exemplary displayed characteristics of
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`multifunction electronic device, in accordance with embodi-
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`ments of the present invention.
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`FIG.9 illustrates an exemplary process of performing a
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`financial transaction with a portable electronic device in
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`conjunction with a payment reader,
`in accordance with
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`embodiments of the present invention.
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`FIG.10 illustrates an exemplary process for performing a
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`financial transaction with a portable electronic device in
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`conjunction with a personal computer, in accordance with
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`embodiments of the present invention.
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`FIG.11 illustrate an exemplary electronic credit-card-like
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`multi-function electronic device that has no fixed payment
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`information, in accordance with embodimentsofthe present
`invention.
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`FIG.12 illustrates an exemplary process for user selection
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`of a preferred payment account for an electronic credit
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`card-like device, in accordance with embodiments of the
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`present invention.
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`to the various
`Reference will now be made in detail
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`embodiments of the present disclosure, examples of which
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`are illustrated in the accompanying drawings. While
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`described in conjunction with these embodiments, it will be
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`understood that they are not intended to limit the disclosure
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`to these embodiments. On the contrary, the disclosure is
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`intended to cover alternatives, modifications and equiva-
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`lents, which may be included within the spirit and scope of
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`the disclosure as defined by the appended claims. Further-
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`more, in the following detailed description of the present
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`disclosure, numerousspecific details are set forth in order to
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`provide a thorough understanding of the present disclosure.
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`However, it will be understood that the present disclosure
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`may be practiced without these specific details. In other
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`instances, well-known methods, procedures, components,
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`and circuits have not been described in detail so as not to
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`unnecessarily obscure aspects of the present disclosure.
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`Someportions of the detailed descriptions which follow
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`are presented in terms of procedures, steps, logic blocks,
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`processing, and other symbolic representations of operations
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`on data bits that can be performed on computer memory.
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`These descriptions and representations are the means used
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`by those skilled in the data processing arts to most effec-
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`tively convey the substance of their work to others skilled in
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`the art. A procedure, computer generated step, logic block,
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`process, etc.,
`is here, and generally, conceived to be a
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`self-consistent sequence of steps or instructions leading to a
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`desired result. The steps are those requiring physical
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`manipulations of physical quantities. Usually, though not
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`necessarily, these quantities take the form of electrical or
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`magnetic signals capable of being stored, transferred, com-
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`bined, compared, and otherwise manipulated in a computer
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`system. It has proven convenient at times, principally for
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`reasons of commonusage, to refer to these signals asbits,
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`values, elements, symbols, characters, terms, numbers, or
`the like.
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`It should be borne in mind, however, that all of these and
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`similar terms are to be associated with the appropriate
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`physical quantities and are merely convenient labels applied
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`to these quantities. Unless specifically stated otherwise as
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`apparent from the following discussions, it is appreciated
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`29 66.
`that throughout the present claimed subject matter, discus-
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`sions utilizing terms such as “stori