Case 7:24-cv-00279-ADA Document 1-11 Filed 11/04/24 Page 1 of 20
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`Exhibit K
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`Exhibit K
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`EXHIBIT K - U.S. PATENT NO. 11,328,286
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`Page 1 of 19
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`Case 7:24-cv-00279-ADA Document 1-11 Filed 11/04/24 Page 2 of 20
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`Claim No.
`20[pre]:A payment system
`comprising:
`
`Apple Pay and/or Apple Wallet-Enabled Computing Device with Apple Card
`The combination of an Apple Pay and/or Apple Wallet-enabled computing device with an Apple Card is a payment system.
`
`
`Exhibit K - U.S. Patent No. 11,328,286
`
`
`See, e.g., Apple Card, Apple, https://www.apple.com/apple-card/; Apple Pay, Apple, https://www.apple.com/apple-pay/.
`The Apple Card is a payment card device, free of any depictions of fixed payment numbers thereon, and operable for use in
`payment card reader equipment.
`
`
`20[a]: a payment card device,
`free of any depictions of fixed
`payment numbers thereon,
`and operable for use in
`payment card reader
`equipment; and
`
`
`See, e.g., Apple Card, Apple, https://www.apple.com/apple-card/ (“The titanium card has no visible numbers. Not on the front.
`Not on the back. Which gives you an enhanced level of security.”).
`
`
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`EXHIBIT K - U.S. PATENT NO. 11,328,286
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`Page 2 of 19
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`Case 7:24-cv-00279-ADA Document 1-11 Filed 11/04/24 Page 3 of 20
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`Claim No.
`20[b]: a computing device
`comprising:
`
`Apple Pay and/or Apple Wallet-Enabled Computing Device with Apple Card
`An Apple Pay and/or Apple Wallet-enabled computing device is a computing device.
`
`
`20[c]: a processor;
`
`See, e.g., Apple Pay, Apple, https://www.apple.com/apple-pay/; Abby Ferguson, How to set up Apple Pay, Popular Sci. (May
`12, 2024 3:04 PM EDT), https://www.popsci.com/diy/how-to-set-up-apple-pay/ (“[The Wallet app] is pre-installed on Apple
`devices, so you won’t need to install it first.”).
`An Apple Pay and/or Apple Wallet-enabled computing device includes a processor.
`
`
`
`
`See, e.g., iPad, Apple, https://www.apple.com/ipad/.
`
`[. . .]
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`
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`EXHIBIT K - U.S. PATENT NO. 11,328,286
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`Page 3 of 19
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`Case 7:24-cv-00279-ADA Document 1-11 Filed 11/04/24 Page 4 of 20
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`Claim No.
`
`Apple Pay and/or Apple Wallet-Enabled Computing Device with Apple Card
`
`See, e.g., iPhone, Apple, https://www.apple.com/iphone/.
`
`
`See, e.g., Watch, Apple, https://www.apple.com/watch/.
`
`
`[. . .]
`
`
`
` [. . .]
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`EXHIBIT K - U.S. PATENT NO. 11,328,286
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`Page 4 of 19
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`Case 7:24-cv-00279-ADA Document 1-11 Filed 11/04/24 Page 5 of 20
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`Claim No.
`
`Apple Pay and/or Apple Wallet-Enabled Computing Device with Apple Card
`
`20[d]: a memory;
`
`
`See, e.g., Apple Platform Security, How Apple Pay keeps users’ purchases protected, Apple (Feb. 18, 2021),
`https://support.apple.com/guide/security/how-apple-pay-keeps-users-purchases-protected-seccb53a35f0/web.
`An Apple Pay and/or Apple Wallet-enabled computing device includes a memory.
`
`
`
`See, e.g., What's the difference between device storage and iCloud storage?, Apple (Sept. 16, 2024), https://support.apple.com/
`en-us/102670; If your Apple Watch storage is full, Apple (Sept. 16, 2024), https://support.apple.com/en-us/102407.
`
`
`
`See, e.g., Apple Platform Security, How Apple Pay keeps users’ purchases protected, Apple (Feb. 18, 2021),
`https://support.apple.com/guide/security/how-apple-pay-keeps-users-purchases-protected-seccb53a35f0/web.
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`EXHIBIT K - U.S. PATENT NO. 11,328,286
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`Page 5 of 19
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`Case 7:24-cv-00279-ADA Document 1-11 Filed 11/04/24 Page 6 of 20
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`Claim No.
`20[e]: a wireless interface;
`
`Apple Pay and/or Apple Wallet-Enabled Computing Device with Apple Card
`An Apple Pay and/or Apple Wallet-enabled computing device includes a wireless interface.
`
`
`
`
`See, e.g., Connect to Wi-Fi on your iPhone, iPad, or iPod touch, Apple (May 20, 2024), https://support.apple.com/en-us/
`111107.
`
`
`
`
`See, e.g., Use cellular data on your iPhone or iPad, Apple (Sept. 16, 2024), https://support.apple.com/en-us/109323.
`
`
`
`
`See, e.g., Connect your Apple Watch to Wi-Fi, Apple (Apr. 26, 2024), https://support.apple.com/en-us/111818.
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`
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`EXHIBIT K - U.S. PATENT NO. 11,328,286
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`Page 6 of 19
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`Case 7:24-cv-00279-ADA Document 1-11 Filed 11/04/24 Page 7 of 20
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`Claim No.
`
`Apple Pay and/or Apple Wallet-Enabled Computing Device with Apple Card
`
`
`See, e.g., Set up cellular on Apple Watch, Apple (Jul. 10, 2024), https://support.apple.com/en-us/119601.
`An Apple Pay- and/or Apple Wallet-enabled computing device includes a touch-screen user interface operable to provide a
`visual user-interface for user payment interactions and a user input device coupled to the processor.
`
`
`
`
`20[f]: a touch-screen user
`interface operable to provide
`a visual user-interface for
`user payment interactions;
`and
`
`20[g]: a user-input device
`coupled to the processor, and
`
`See, e.g., iPad, Apple, https://www.apple.com/ipad/.
`
`
` [. . .]
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`EXHIBIT K - U.S. PATENT NO. 11,328,286
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`Page 7 of 19
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`Case 7:24-cv-00279-ADA Document 1-11 Filed 11/04/24 Page 8 of 20
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`Claim No.
`
`Apple Pay and/or Apple Wallet-Enabled Computing Device with Apple Card
`
`See, e.g., Compare iPhone Models, Apple, https://www.apple.com/iphone/compare/.
`
`
`See, e.g., Watch, Apple, https://www.apple.com/watch/.
`
`
`
`[. . .]
`
`
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`EXHIBIT K - U.S. PATENT NO. 11,328,286
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`Page 8 of 19
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`Case 7:24-cv-00279-ADA Document 1-11 Filed 11/04/24 Page 9 of 20
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`Claim No.
`
`Apple Pay and/or Apple Wallet-Enabled Computing Device with Apple Card
`
`
`
`
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`EXHIBIT K - U.S. PATENT NO. 11,328,286
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`Page 9 of 19
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`Case 7:24-cv-00279-ADA Document 1-11 Filed 11/04/24 Page 10 of 20
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`Claim No.
`
`Apple Pay and/or Apple Wallet-Enabled Computing Device with Apple Card
`
`20[h]: wherein the memory is
`operable to store a transaction
`sequence count, a static
`device account number and
`secrets limited to the
`computing device;
`
`
`See, e.g., Make purchases using Apple Pay, Apple (Sept. 24, 2024), https://support.apple.com/en-us/102626.
`An Apple Pay and/or Apple Wallet-enabled computing device includes a memory that is operable to store a transaction
`sequence count, a static device account number and secrets limited to the computing device.
`
`
`[. . .]
`
`
`See, e.g., Apple Pay security and privacy overview, Apple (Oct. 8, 2024), https://support.apple.com/en-us/101554.
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`
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`EXHIBIT K - U.S. PATENT NO. 11,328,286
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`Page 10 of 19
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`Case 7:24-cv-00279-ADA Document 1-11 Filed 11/04/24 Page 11 of 20
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`Claim No.
`
`Apple Pay and/or Apple Wallet-Enabled Computing Device with Apple Card
`
`
`See, e.g., Apple Platform Security, Payment authorization with Apple Pay, Apple (Feb. 18, 2021), https://support.apple.com/
`guide/security/payment-authorization-with-apple-pay-secc1f57e189/web.
`
`
`
`See, e.g., Use Advanced Fraud Protection with Apple Card, Apple (Jan. 10, 2024), https://support.apple.com/en-us/102427.
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`
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`EXHIBIT K - U.S. PATENT NO. 11,328,286
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`Page 11 of 19
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`Case 7:24-cv-00279-ADA Document 1-11 Filed 11/04/24 Page 12 of 20
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`Claim No.
`
`Apple Pay and/or Apple Wallet-Enabled Computing Device with Apple Card
`
`
`See, e.g., How to find the serial number or IMEI for your Apple Watch, Apple (Oct. 23, 2024), https://support.apple.com/en-
`us/108040.
`
`
`
`See, e.g., Find the serial number or IMEI on your iPhone, iPad, or iPod touch, Apple (Dec. 6, 2023), https://support.apple.com/
`en-us/108037.
`
`
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`EXHIBIT K - U.S. PATENT NO. 11,328,286
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`Page 12 of 19
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`Case 7:24-cv-00279-ADA Document 1-11 Filed 11/04/24 Page 13 of 20
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`Claim No.
`
`Apple Pay and/or Apple Wallet-Enabled Computing Device with Apple Card
`
`
`See, e.g., Prashant Ram, How Apple Pay works under the hood?, codeburst (Nov. 5, 2019), https://codeburst.io/how-does-apple-
`pay-actually-work-f52f7d9348b7.
`An Apple Pay and/or Apple Wallet-enabled computing device is operable to receive, store, display and transmit issuer-provided
`payment information, associated with, but not depicted on, the payment card device
`
`
`20[i]: wherein the computing
`device is operable to receive,
`store, display and transmit
`issuer-provided payment
`information, associated with,
`but not depicted on, the
`payment card device;
`
`
`
`
`See, e.g., How to find the card numbers associated with your Apple Card, Apple (Mar. 4, 2024), https://support.apple.com/en-
`us/118544; Apple Pay security and privacy overview, Apple (Oct. 8, 2024), https://support.apple.com/en-us/101554.
`
`
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`EXHIBIT K - U.S. PATENT NO. 11,328,286
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`Page 13 of 19
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`Case 7:24-cv-00279-ADA Document 1-11 Filed 11/04/24 Page 14 of 20
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`Claim No.
`
`Apple Pay and/or Apple Wallet-Enabled Computing Device with Apple Card
`
`[. . .]
`
`
`
`
`See, e.g., Apple Pay security and privacy overview, Apple (Oct. 8, 2024), https://support.apple.com/en-us/101554.
`
`
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`EXHIBIT K - U.S. PATENT NO. 11,328,286
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`Page 14 of 19
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`Case 7:24-cv-00279-ADA Document 1-11 Filed 11/04/24 Page 15 of 20
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`Claim No.
`
`Apple Pay and/or Apple Wallet-Enabled Computing Device with Apple Card
`
`See, e.g., Lance Whitney, How to use your Apple Card without Apple Pay, TechRepublic (Oct. 1, 2019),
`https://www.techrepublic.com/article/how-to-use-your-apple-card-without-apple-pay/.
`
`
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`EXHIBIT K - U.S. PATENT NO. 11,328,286
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`Page 15 of 19
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`Case 7:24-cv-00279-ADA Document 1-11 Filed 11/04/24 Page 16 of 20
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`Claim No.
`
`Apple Pay and/or Apple Wallet-Enabled Computing Device with Apple Card
`
`
`
`
`See, e.g., Prashant Ram, How Apple Pay works under the hood?, codeburst (Nov. 5, 2019), https://codeburst.io/how-does-apple-
`pay-actually-work-f52f7d9348b7.
`
`
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`EXHIBIT K - U.S. PATENT NO. 11,328,286
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`Page 16 of 19
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`Case 7:24-cv-00279-ADA Document 1-11 Filed 11/04/24 Page 17 of 20
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`Claim No.
`20[j]: wherein the processor
`is operable to dynamically
`generate at least a portion of a
`limited-use payment
`information for use by an
`authenticated card user, and
`to combine said limited-use
`payment information with at
`least said static device
`account number to create
`combined payment
`information;
`
`Apple Pay and/or Apple Wallet-Enabled Computing Device with Apple Card
`The processor of the Apple Pay and/or Apple Wallet-enabled computing device is operable to dynamically generate at least a
`portion of a limited-use payment information for use by an authenticated card user, and to combine said limited-use payment
`information with at least said static device account number to create combined payment information.
`
`
`[. . .]
`
`
`[. . .]
`
`
`See, e.g., Apple Pay security and privacy overview, Apple (Oct. 8, 2024), https://support.apple.com/en-us/101554; Apple
`Platform Security, Payment authorization with Apple Pay, Apple (Feb. 18, 2021), https://support.apple.com/guide/security/
`payment-authorization-with-apple-pay-secc1f57e189/web.
`
`
`
`See, e.g., Use Advanced Fraud Protection with Apple Card, Apple (Jan. 10, 2024), https://support.apple.com/en-us/102427.
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`EXHIBIT K - U.S. PATENT NO. 11,328,286
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`Page 17 of 19
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`Case 7:24-cv-00279-ADA Document 1-11 Filed 11/04/24 Page 18 of 20
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`Claim No.
`
`Apple Pay and/or Apple Wallet-Enabled Computing Device with Apple Card
`
`
`See, e.g., Prashant Ram, How Apple Pay works under the hood?, codeburst (Nov. 5, 2019), https://codeburst.io/how-does-apple-
`pay-actually-work-f52f7d9348b7.
`An Apple Pay and/or Apple Wallet-enabled computing device is operable to convey said combined payment information via an
`interface disposed of the computing device (e.g., Wi-Fi or NFC).
`
`
`20[k]: wherein the computing
`device is operable to convey
`said combined payment
`information via an interface
`disposed of the computing
`device; and
`
`
`
`
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`EXHIBIT K - U.S. PATENT NO. 11,328,286
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`Page 18 of 19
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`Case 7:24-cv-00279-ADA Document 1-11 Filed 11/04/24 Page 19 of 20
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`Claim No.
`
`Apple Pay and/or Apple Wallet-Enabled Computing Device with Apple Card
`
`
`See, e.g., Apple Pay security and privacy overview, Apple (Oct. 8, 2024), https://support.apple.com/en-us/101554.
`An Apple Pay and/or Apple Wallet-enabled device is operable to receive information, from an issuer, in response to the
`conveyed combined payment information, indicating that a payment transaction is valid.
`
`
`20[l]: wherein the computing
`device is operable to receive
`information, from an issuer,
`in response to the conveyed
`combined payment
`information, indicating that a
`payment transaction is valid.
`
`
`
`
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`EXHIBIT K - U.S. PATENT NO. 11,328,286
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`Page 19 of 19
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`Case 7:24-cv-00279-ADA Document 1-11 Filed 11/04/24 Page 20 of 20
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`Claim No.
`
`Apple Pay and/or Apple Wallet-Enabled Computing Device with Apple Card
`
`
`
`
`See, e.g., Make purchases using Apple Pay, Apple (Sept. 24, 2024), https://support.apple.com/en-us/102626.
`
`
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