UNITED STATES PATENT AND TRADEMARK OFFICE
`
`APPLICATION
`NUMBER
`61/794,891
`
`FILING or
`37l(c)DATE
`03/15/2013
`
`GRPART
`UNIT
`
`FIL FEE REC'D
`250
`
`41066
`MURABITO, HAO & BARNES LLP
`TWO NORTH MARKET STREET
`THIRD FLOOR
`SAN JOSE, CA 95113
`
`Ul\TfED STATES DEPA RTME'IT OF COMMERCE
`United States Patent and Trademark Office
`Adiliess. COMMISSIO'JER FOR PATENTS
`PO Box 1450
`Alexandria, Virgmia 22313-1450
`\VVi\V.USpto.gov
`
`ATTY.DOCKET.NO
`WYAT-0002.A
`
`TOT CLAIMS IND CLAIMS
`
`CONFIRMATION NO. 5395
`FILING RECEIPT
`
`11111111111111111 lllll ll]~!l]!~l!~l!~Hil!HUll lllll lllll lllll llll 1111
`
`Date Mailed: 04/26/2013
`
`Receipt is acknowledged of this provisional patent application. It will not be examined for patentability and will
`become abandoned not later than twelve months after its filing date. Any correspondence concerning the application
`must include the following identification information: the U.S. APPLICATION NUMBER, FILING DATE, NAME OF
`APPLICANT, and TITLE OF INVENTION. Fees transmitted by check or draft are subject to collection. Please verify
`the accuracy of the data presented on this receipt. If an error is noted on this Filing Receipt, please submit
`a written request for a Filing Receipt Correction. Please provide a copy of this Filing Receipt with the
`changes noted thereon. If you received a "Notice to File Missing Parts" for this application, please submit
`any corrections to this Filing Receipt with your reply to the Notice. When the USPTO processes the reply
`to the Notice, the USPTO will generate another Filing Receipt incorporating the requested corrections
`
`lnventor(s)
`
`Applicant( s)
`
`David Wyatt, San Jose, CA;
`
`David Wyatt, San Jose, CA;
`Power of Attorney:
`Furqan Nanji--64405
`
`If Required, Foreign Filing License Granted: 04/19/2013
`The country code and number of your priority application, to be used for filing abroad under the Paris Convention,
`is US 61 /794,891
`Projected Publication Date: None, application is not eligible for pre-grant publication
`Non-Publication Request: No
`Early Publication Request: No
`Title
`
`MUL Tl-FUNCTIONAL CREDIT CARD DEVICE
`
`Statement under 37 CFR 1.55 or 1.78 for AIA (First Inventor to File) Transition Applications:
`
`PROTECTING YOUR INVENTION OUTSIDE THE UNITED STATES
`
`Since the rights granted by a U.S. patent extend only throughout the territory of the United States and have no
`effect in a foreign country, an inventor who wishes patent protection in another country must apply for a patent
`in a specific country or in regional patent offices. Applicants may wish to consider the filing of an international
`application under the Patent Cooperation Treaty (PCT). An international (PCT) application generally has the same
`page 1 of 3
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`SAMSUNG 1012
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`effect as a regular national patent application in each PCT-member country. The PCT process simplifies the filing
`of patent applications on the same invention in member countries, but does not result in a grant of "an international
`patent" and does not eliminate the need of applicants to file additional documents and fees in countries where patent
`protection is desired.
`
`Almost every country has its own patent law, and a person desiring a patent in a particular country must make an
`application for patent in that country in accordance with its particular laws. Since the laws of many countries differ
`in various respects from the patent law of the United States, applicants are advised to seek guidance from specific
`foreign countries to ensure that patent rights are not lost prematurely.
`
`Applicants also are advised that in the case of inventions made in the United States, the Director of the US PTO must
`issue a license before applicants can apply for a patent in a foreign country. The filing of a U.S. patent application
`serves as a request for a foreign filing license. The application's filing receipt contains further information and
`guidance as to the status of applicant's license for foreign filing.
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`Applicants may wish to consult the USPTO booklet, "General Information Concerning Patents" (specifically, the
`section entitled "Treaties and Foreign Patents") for more information on timeframes and deadlines for filing foreign
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`can be viewed on the USPTO website at http://www.uspto.gov/web/offices/pac/doc/general/index.html.
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`For information on preventing theft of your intellectual property (patents, trademarks and copyrights), you may wish
`to consult the U.S. Government website, http://www.stopfakes.gov. Part of a Department of Commerce initiative,
`this website includes self-help "toolkits" giving innovators guidance on how to protect intellectual property in specific
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`call the U.S. Government hotline at 1-866-999-HAL T (1-866-999-4158).
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`LICENSE FOR FOREIGN FILING UNDER
`
`Title 35, United States Code, Section 184
`
`Title 37, Code of Federal Regulations, 5.11 & 5.15
`
`GRANTED
`
`The applicant has been granted a license under 35 U.S.C. 184, if the phrase "IF REQUIRED, FOREIGN FILING
`LICENSE GRANTED" followed by a date appears on this form. Such licenses are issued in all applications where
`the conditions for issuance of a license have been met, regardless of whether or not a license may be required as
`set forth in 37 CFR 5.15. The scope and limitations of this license are set forth in 37 CFR 5.15(a) unless an earlier
`license has been issued under 37 CFR 5.15(b). The license is subject to revocation upon written notification. The
`date indicated is the effective date of the license, unless an earlier license of similar scope has been granted under
`37 CFR 5.13 or 5.14.
`
`This license is to be retained by the licensee and may be used at any time on or after the effective date thereof unless
`it is revoked. This license is automatically transferred to any related applications(s) filed under 37 CFR 1.53(d). This
`license is not retroactive.
`
`The grant of a license does not in any way lessen the responsibility of a licensee for the security of the subject matter
`as imposed by any Government contract or the provisions of existing laws relating to espionage and the national
`security or the export of technical data. Licensees should apprise themselves of current regulations especially with
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`respect to certain countries, of other agencies, particularly the Office of Defense Trade Controls, Department of
`State (with respect to Arms, Munitions and Implements of War (22 CFR 121-128)); the Bureau of Industry and
`Security, Department of Commerce (15 CFR parts 730-774); the Office of Foreign AssetsControl, Department of
`Treasury (31 CFR Parts 500+) and the Department of Energy.
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`NOT GRANTED
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`No license under 35 U.S.C. 184 has been granted at this time, if the phrase "IF REQUIRED, FOREIGN FILING
`LICENSE GRANTED" DOES NOT appear on this form. Applicant may still petition for a license under 37 CFR 5.12,
`if a license is desired before the expiration of 6 months from the filing date of the application. If 6 months has lapsed
`from the filing date of this application and the licensee has not received any indication of a secrecy order under 35
`U.S.C. 181, the licensee may foreign file the application pursuant to 37 CFR 5.15(b).
`
`Select USA
`
`The United States represents the largest, most dynamic marketplace in the world and is an unparalleled location for
`business investment, innovation, and commercialization of new technologies. The U.S. offers tremendous resources
`and advantages for those who invest and manufacture goods here. Through SelectUSA, our nation works to
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`+ 1-202-482-6800.
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`page 3 of 3
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`Doc Code: TR.PROV
`Document Description: Provisional Cover Sheet (SB16)
`
`PTO/SB/16 (11-08)
`Approved for use through 01/31/2014 0MB 0651-0032
`U.S. Patent and Trademark Office: U.S. DEPARTMENT OF COMMERCE
`Under the Paperwork Reduction Act of 1995, no persons are required to respond to a collection of information unless it displays a valid 0MB control number
`Provisional Application for Patent Cover Sheet
`This is a request for filing a PROVISIONAL APPLICATION FOR PATENT under 37 CFR 1.53(c)
`
`lnventor(s)
`
`Inventor 1
`
`Given Name
`
`Middle Name
`
`Family Name
`
`City
`
`State
`
`David
`
`Wyatt
`
`San Jose
`
`CA
`
`Remove
`
`Country
`
`i
`
`us
`
`All Inventors Must Be Listed -Additional Inventor Information blocks may be
`generated within this form by selecting the Add button.
`
`I Add
`
`I
`
`Title of Invention
`
`MUL Tl-FUNCTIONAL CREDIT CARD DEVICE
`
`Attorney Docket Number (if applicable)
`
`WYAT-0002.A
`
`Correspondence Address
`
`Direct all correspondence to (select one):
`
`(!) The address corresponding to Customer Number
`
`0 Firm or Individual Name
`
`Customer Number
`
`41066
`
`The invention was made by an agency of the United States Government or under a contract with an agency of the United
`States Government.
`
`(!) No.
`0 Yes, the name of the U.S. Government agency and the Government contract number are:
`
`EFS - Web 1.0.1
`
`4
`
`

`

`Doc Code: TR.PROV
`Document Description: Provisional Cover Sheet (SB16)
`
`PTO/SB/16 (11-08)
`Approved for use through 01/31/2014 0MB 0651-0032
`U.S. Patent and Trademark Office: U.S. DEPARTMENT OF COMMERCE
`Under the Paperwork Reduction Act of 1995, no persons are required to respond to a collection of information unless it displays a valid 0MB control number
`
`Entity Status
`Applicant claims small entity status under 37 CFR 1.27
`0 Yes, applicant qualifies for small entity status under 37 CFR 1.27
`(!) No
`
`Warning
`
`Petitioner/applicant is cautioned to avoid submitting personal information in documents filed in a patent application that may
`contribute to identity theft. Personal information such as social security numbers, bank account numbers, or credit card
`numbers (other than a check or credit card authorization form PTO-2038 submitted for payment purposes) is never required
`by the USPTO to support a petition or an application. If this type of personal information is included in documents submitted
`to the USPTO, petitioners/applicants should consider redacting such personal information from the documents before
`submitting them to USPTO. Petitioner/applicant is advised that the record of a patent application is available to the public
`after publication of the application (unless a non-publication request in compliance with 37 CFR 1.213(a) is made in the
`application) or issuance of a patent. Furthermore, the record from an abandoned application may also be available to the
`public if the application is referenced in a published application or an issued patent (see 37 CFR1 .14). Checks and credit
`card authorization forms PT0-2038 submitted for payment purposes are not retained in the application file and therefore are
`not publicly available.
`
`Signature
`
`Please see 37 CFR 1.4(d} for the form of the signature.
`
`Signature
`
`/Furqan A. Nanji/
`
`Date (YYYY-MM-DD}
`
`2013-03-15
`
`First Name
`
`Furqan
`
`Last Name
`
`Nanji
`
`Registration Number
`(If appropriate)
`
`64405
`
`This collection of information is required by 37 CFR 1.51. The information is required to obtain or retain a benefit by the public which is to
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`of Commerce, P.O. Box 1450, Alexandria, VA 22313-1450. DO NOT SEND FEES OR COMPLETED FORMS TO THIS ADDRESS. This
`form can only be used when in conjunction with EFS-Web. If this form is mailed to the USPTO, it may cause delays in handling
`the provisional application.
`
`EFS - Web 1.0.1
`
`5
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`

`

`Privacy Act Statement
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`The information on this form will be treated confidentially to the extent allowed under the Freedom of Information
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`A record from this system of records may be disclosed, as a routine use, to the public after either publication of
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`issued patent.
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`enforcement agency, if the USPTO becomes aware of a violation or potential violation of law or regulation.
`
`6
`
`

`

`UNITED STATES PROVISIONAL PATENT APPLICATION
`
`FOR
`
`MULTI-FUNCTIONAL CREDIT CARD DEVICE
`
`Inventor:
`
`DAVID WYATT
`
`Prepared by:
`
`Murabito Hao & Barnes LLP
`
`Two North Market Street
`
`Third Floor
`
`San Jose, California 95113
`
`WYAT.P0002.A
`
`7
`
`

`

`MULTI-FUNCTIONAL CREDIT CARD DEVICE
`
`FIELD OF THE INVENTION
`
`[0001]
`
`Embodiments according to the present invention generally relate to credit
`
`cards and, more specifically, to more secure, smarter credit cards.
`
`BACKGROUND OF THE INVENTION
`
`[0002]
`
`There are a few different types of credit card available in the marketplace
`
`presently. The first type of credit card is a conventional standard piece of plastic with
`
`a magnetic strip, which is widely available and used commercially at present. The
`
`advantage of this first type of credit card is that the entire credit card infrastructure is
`
`built around this type of card and it works in various vendors' credit card machines,
`
`A TMs and anywhere else that supports the present credit card infrastructure.
`
`[0003]
`
`Another type of credit card employs a smart chip. These types of credit
`
`cards have a built in micro-processor with cryptographic capabilities. These micro(cid:173)
`
`processors operate similar to chips in a cell phone comprising a cryptographic
`
`processor. They require contact with a reader in order to be read. The reader
`
`provides the way for a facility to interact with the built-in processor on the card, e.g.,
`
`for purposes of performing verification on the authenticity of the card or making a
`
`direct deposit on the card. These credit cards also comprise a magnetic strip so that
`
`they can be compatible with standard plastic credit cards that are widely used.
`
`WYAT.P0002.A
`
`8
`
`

`

`[0004]
`
`One type of credit card in circulation employs radio frequency ("RF")
`
`identification where there is a near field radio frequency. These cards essentially have
`
`a low power RF antenna built into the card and when the cardholder passes the
`
`antenna in front of a reader comprising an RF field, there is enough power generated
`
`and reduced for the processor to interact wirelessly with the receiving device.
`
`[0005]
`
`The problem with all these types of credit cards presently available in the
`
`marketplace is that they can all be susceptible to theft in some way and, therefore, are
`
`not very secure. Further, cards employing smart chips and RF technology are not in
`
`wide use because the credit card infrastructure still predominantly supports the
`
`traditional plastic credit cards.
`
`[0006]
`
`BRIEF DESCRIPTION OF THE DRAWINGS
`
`[0007]
`
`Embodiments of the present invention are illustrated by way of example,
`
`and not by way of limitation, in the figures of the accompanying drawings and in
`
`which like reference numerals refer to similar elements.
`
`[0008]
`
`Figure 1 is a block diagram illustrating the data flow between the magnetic
`
`coils on the credit card and the microprocessor on the credit card according to one
`
`embodiment of the present invention.
`
`DETAILED DESCRIPTION OF THE INVENTION
`
`[0009]
`
`Reference will now be made in detail to the various embodiments of the
`
`present disclosure, examples of which are illustrated in the accompanying drawings.
`
`WYAT.P0002.A
`
`9
`
`

`

`While described in conjunction with these embodiments, it will be understood that
`
`they are not intended to limit the disclosure to these embodiments. On the contrary,
`
`the disclosure is intended to cover alternatives, modifications and equivalents, which
`
`may be included within the spirit and scope of the disclosure as defined by the
`
`appended claims. Furthermore, in the following detailed description of the present
`
`disclosure, numerous specific details are set forth in order to provide a thorough
`
`understanding of the present disclosure. However, it will be understood that the
`
`present disclosure may be practiced without these specific details. In other instances,
`
`well-known methods, procedures, components, and circuits have not been described
`
`in detail so as not to unnecessarily obscure aspects of the present disclosure.
`
`[0010]
`
`In one embodiment of the present invention, a credit card comprises a
`
`dynamic magnetic strip incorporating a main inductor assembly from which magnetic
`
`field data symbols are dynamically generated. In one embodiment the inductor
`
`assembly may be a planar coil formed within the plastic that the credit card is
`
`composed with. The advantage of using a planar coil is that it can produce the same
`
`magnetic field interaction that a traditional magnetic strip on a conventional credit
`
`card can produce when it is passed through a reader. Similar to a traditional plastic
`
`credit card, the planar coil can also produce a magnetic field that can be read by a
`
`pickup ( or "transducer"). The pickup produces electric current in the coil that, in turn,
`
`produces a magnetic field that is read by the pickup. Accordingly, the planar coil can
`
`be read in the same way as the magnetic strip on a traditional plastic credit card. The
`
`magnetic field produced by the planar coil would behave identically to a traditional
`
`magnetic strip.
`
`WYAT.P0002.A
`
`10
`
`

`

`[0011]
`
`In one embodiment, alongside the main planar coil, auxiliary rate detection
`
`assembly independent of the main inductor assembly would be provided to assist with
`
`the alignment of the production of data from the loop as it is being passed over the
`
`head of the credit card reader. The reader module of a traditional credit card reader
`
`comprises a metal head with a small gap on the tip of the head. This gap is where the
`
`pickup armature resides, so that when the metal head passes over the credit card strip,
`
`an electric field is induced in the head reader pickup circuit. In one embodiment the
`
`auxiliary rate detection assembly is constructed of an array of auxiliary inductor coils
`
`and magnetic pickup coils, alongside the main coil. As the metal head of the card
`
`reader assembly passes over the arrangement of auxiliary coils and pickup circuits, a
`
`disturbance in the magnetic field flowing between the two generates a electrical
`
`current change that is detected by a rate detection circuit so as to detect the rate of
`
`motion of the card reader head passing across the surface of the card and therefore
`
`along the main induction assembly. The purpose of this is to allow the determination
`
`of the rate or production of magnetic data symbols in the main inductor assembly to
`
`align with the rate at which data is being read by the reader, according to the data
`
`density of standard card magnetic strips. Accordingly, it is irrelevant if the credit card
`
`of the present invention is being swiped fast or slow, the main inductor assembly
`
`produces data at just the right rate depending on the rate at which the card is detected
`
`it is being passed over the reader's head.
`
`[0012]
`
`In one embodiment, a microprocessor is connected to the main coil and the
`
`alignment pickups. The microprocessor is responsible for producing the data from the
`
`coil at the appropriate rate in accordance with the speed with which the card is swiped
`
`through the reader. As shown in Figure 1, the auxiliary coil detects the rate at
`WYAT.P0002.A
`
`11
`
`

`

`which the credit card is being swiped. The microprocessor then uses this information
`
`to produce the data from the main planar coil at the appropriate rate for the credit card
`
`reader.
`
`[0013]
`
`In addition, the credit card of the present invention comprises a real time
`
`clock that can produce a cryptographically worthy timestamp for each interaction and
`
`a battery back-up that can be used to power up the microprocessor. Further, the card
`
`can comprise additional human inputs, e.g., touch sensors which can be formed by
`
`contacts that a user can press. For example, there can be contacts that a user can press
`
`to wake up the card, to cause the battery to supply power, or to put the card to sleep
`
`when it is not being used. There can also be additional inputs to key in customer
`
`specific information. For example, there can be inputs to key in a password or any
`
`other kind of unique identifier. If any other number besides the password is entered
`
`multiple times, or if there is attempted usage of the card without entering in a
`
`password, an automatic phone call may be triggered to the appropriate fraud
`
`protection authorities.
`
`[0014]
`
`In one embodiment, the number on the front of the card can be a full or
`
`partial number. The number may not have to necessarily be a static number. For
`
`example, the first four and last four digits of the card number can be fixed while the
`
`remaining eight can be dynamically generated. As the credit card is read by the
`
`machine, part or all of the number may be dynamically produced at the time the card
`
`is read. The dynamic part of the number generated may be based on the user's
`
`private information, the user's bank information, the time of day or the facility that is
`
`reading the card. Further, the expiration date of the card can also be dynamically
`
`WYAT.P0002.A
`
`12
`
`

`

`generated. Effectively, a credit card can be created that has no fixed number and
`
`therefore cannot be stolen. Only the number generated at the instant the card is being
`
`used matters. Accordingly, unauthorized use of the card is nearly impossible because
`
`no transaction can be conducted with only the partial static part of the credit card
`
`number. In one embodiment of the present invention, enough dynamically generated
`
`numbers are provided for on the credit card such that a unique credit card number can
`
`be generated for each transaction. In this embodiment, the credit card of the present
`
`invention effectively acts as a unique per transaction credit card.
`
`[0015]
`
`In embodiments of the present invention comprising dynamically created
`
`credit card numbers, a single credit card can be used for multiple banks. For example,
`
`instead of carrying a separate credit card for all the different credit card companies, a
`
`customer would only need to carry a single card and one of the inputs on the front of
`
`the card can be used to select the appropriate bank or credit provider.
`
`[0016]
`
`In one embodiment of the present invention, a thin film liquid crystal
`
`display ("LCD") can be fitted on the card so the credit card can have a display screen.
`
`The display can have multiple uses. In one embodiment, the display can be used to
`
`ask the user a security question if an improper password is entered. Or if the fraud
`
`protection services need to contact a customer, they can verify the customer's identity
`
`by transmitting a security question to the user's credit card screen to which the user
`
`would then need to respond correctly using the input buttons on the card.
`
`[0017]
`
`In one embodiment, the credit card of the present invention could also be
`
`used to make online purchases. In this embodiment, the card could use RFID or near
`
`WYAT.P0002.A
`
`13
`
`

`

`field technology so that it can connect to a personal computer and be used to uniquely
`
`generate a credit card number for online purchases. The number could also, in one
`
`embodiment, be displayed on the front LCD of the card. In one embodiment, the
`
`card may also be equipped with a means for communicating with the USB port on the
`
`computer in connection with making the online purchases.
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`[0018]
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`The foregoing description, for purpose of explanation, has been described
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`with reference to specific embodiments. However, the illustrative discussions above
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`are not intended to be exhaustive or to limit the invention to the precise forms
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`disclosed. Many modifications and variations are possible in view of the above
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`teachings. The embodiments were chosen and described in order to best explain the
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`principles of the invention and its practical applications, to thereby enable others
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`skilled in the art to best utilize the invention and various embodiments with various
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`modifications as may be suited to the particular use contemplated.
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`[0019]
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`Embodiments according to the invention are thus described. While the
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`present disclosure has been described in particular embodiments, it should be
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`appreciated that the invention should not be construed as limited by such
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`embodiments, but rather construed according to the below claims.
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`CLAIMS
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`What is claimed is:
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`1. An apparatus for conducting credit transactions comprising:
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`a device with the similar dimensions and thickness to a standard credit card
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`an inductor assembly integrated into said device capable of generating a
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`programmed magnetic field at a location on the device where it will come into
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`proximity to a standard credit card magnetic-strip reader
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`the inductor assembly being operable to be read by a magnetic pickup of an
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`electronic credit card reader;
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`at least one auxiliary rate detection units adjacent to said inductor assembly,
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`wherein said at least one auxiliary detection unit is operable to detect a rate at which
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`said device, including said inductor assembly, is passed through said electronic credit
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`card reader; and
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`a microprocessor operatively coupled to said inductor assembly and said at
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`least one detection unit, wherein said microprocessor is operable to simulate
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`magnetic-strip data fields using the inductor assembly, at a rate determined from said
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`auxiliary detection units.
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`2. A method of Claim 1, wherein the inductor assembly is a planar coil which is a
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`looped inductor with dimension roughly equal to, and along the axis of, the
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`standard credit-card magnetic strip
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`3. A method of Claim 1, wherein said detection assembly consists of a plurality of
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`motion rate detection units, which may comprise inductor coils and
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`companion magnetic-field pickup coils, each of which is able to detect the
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`proximity of metallic objects, such as magnetic-strip reader heads, passing
`WYAT.P0002.A
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`through the magnetic field created by said inductor and detected by said
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`pickup coil.
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`4. A method of Claim 1, wherein said device may incorporate a plurality of touch
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`sensors arranged along the surface of said device which may;
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`allow user input of information,
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`allow introducing a transaction specific identifier,
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`to confirm/deny transaction information,
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`to operate in sequence, or with a gesture across said sensor for the
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`purpose lock/unlock or control access for transactions
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`5. A method of Claim 4, wherein said device contains a real-time clock or counter
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`unit which generates a sequential parameter when the card is read by said credit card
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`reader, and which along with certain user information, transaction identifiers, user
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`secrets, credit card authority secrets is combined to generate a limited-use credit card
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`number, which has a limited recurrence, is limited in scope of use to a predetermined
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`number of authorized transactions
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`6. A method of Claim 5, wherein the time, sequence, user, credit card authority and
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`other information is similarly combined by credit card processing facility to generate
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`a credit card number for comparison to the number transmitted by the credit card
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`reader, for the purposes of authenticating said number is from a recognized card used
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`in a user-authorized transaction
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`7. A method of Claim 1, wherein said device incorporates a display allowing credit
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`card number, time, passcodes, sequence codes, amounts and other credit card
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`transaction information to be displayed for user, merchant, bank or credit card
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`authority
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`8. An Apparatus for conducting credit transactions comprising,
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`wherein the edge of said device contains a connector for connection to
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`standard computing devices such as a USB interface.
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`WYAT.P0002.A
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`MULTI-FUNCTIONAL CREDIT CARD DEVICE
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`ABSTRACT OF THE DISCLOSURE
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`Described within is a credit-car