Case 7:24-cv-00279-ADA Document 1-2 Filed 11/04/24 Page 1 of 28
`
`Exhibit B
`
`

`

`United States Patent
`Wyatt
`
`( 10 ) Patent No .: US 10,628,820 B2
`( 45 ) Date of Patent :
`* Apr . 21 , 2020
`
`US010628820B2
`
`( 58 )
`
`( 56 )
`
`( * ) Notice :
`
`( 54 ) MULTI - FUNCTION ELECTRONIC PAYMENT
`DEVICE
`( 71 ) Applicant : Virtual Electric Inc. , San Jose , CA
`( US )
`Inventor : David Wyatt , San Jose , CA ( US )
`( 72 )
`( 73 ) Assignee : Virtual Electric Inc. , San Jose , CA
`( US )
`Subject to any disclaimer , the term of this
`patent is extended or adjusted under 35
`U.S.C. 154 ( b ) by 0 days .
`This patent is subject to a terminal dis
`claimer .
`( 21 ) Appl . No .: 16 / 025,829
`( 22 ) Filed :
`Jul . 2 , 2018
`( 65 )
`Prior Publication Data
`US 2019/0197520 A1 Jun . 27 , 2019
`Related U.S. Application Data
`( 63 ) Continuation of application No. 15 / 250,698 , filed on
`Aug. 29 , 2016 , now Pat . No. 10,013,693 , which is a
`( Continued )
`
`( 51 ) Int . Cl .
`G06Q 20/34
`GO7F 19/00
`
`( 2012.01 )
`( 2006.01 )
`( Continued )
`( 52 ) U.S. CI .
`G06Q 20/341 ( 2013.01 ) ; G06K 19/06206
`CPC
`( 2013.01 ) ; G06K 19/0716 ( 2013.01 ) ; GOOK
`19/07749 ( 2013.01 ) ; G06Q 20/06 ( 2013.01 ) ;
`G
`20/065 ( 2013.01 ) ; G06Q 20/223
`( 2013.01 ) ; G06Q 20/24 ( 2013.01 ) ; G06Q
`
`280
`
`20/346 ( 2013.01 ) ; G06Q 20/347 ( 2013.01 ) ;
`G06Q 20/352 ( 2013.01 ) ; G06Q 20/385
`( 2013.01 ) ;
`
`( Continued )
`Field of Classification Search
`G06K 17/0022 ; G06K 19/0719 ; GOOK
`CPC
`19/07703 ; G06K 19/12 ; G06K 19/14 ;
`G06K 7/0008
`See application file for complete search history .
`References Cited
`U.S. PATENT DOCUMENTS
`6,631,849 B2
`6,641,050 B2
`
`10/2003 Blossom
`11/2003 Kelley et al .
`( Continued )
`Primary Examiner
`Seung H Lee
`( 57 )
`ABSTRACT
`An embodiment includes a multi - function electronic device
`capable of generating a programmed magnetic field of
`alternating polarity based on a speed of a card swipe , and
`methods for constructing the device for the purpose of
`emulating a standard credit card . An apparatus is described
`to allow the device to emulate behavior of a credit card when
`used in electronic credit card readers . Additionally methods
`are described to allow user control of the device for the
`purpose of authorizing or controlling use of the device in the
`application of credit , debit and cash transactions , including
`cryptocurrency and card - to - card transactions . Methods are
`also described for generating a limited - duration credit card
`number when performing a transaction for the purpose of
`creating a limited - use credit card number , which is limited
`in scope of use to a predetermined number of authorized
`transactions . Furthermore the device may interact with other
`similar devices in proximity for the purpose of funds or
`credit / debit transfers .
`20 Claims , 13 Drawing Sheets
`
`Case 7:24-cv-00279-ADA Document 1-2 Filed 11/04/24 Page 2 of 28
`
`282
`display a piurality of accounts stored by a memory comprised by
`& credit card device
`
`284
`receive an indication of a selection of an account from the
`plurality of accounts
`
`286
`configure the credit card device to perform a transaction
`according to user data associated with the selected account
`
`228
`ancode a planar coil of the credit card device with a limited
`duration credit number associated with the selected account
`
`

`

`US 10,628,820 B2
`Page 2
`
`( 56 )
`
`References Cited
`U.S. PATENT DOCUMENTS
`10/2006 Kelley et al .
`4/2007 Leizerovich et al .
`4/2008 Harris
`8/2010 Arrington , III
`9/2010 Mullen
`11/2010 Hewton
`11/2013 Weiss
`1/2014 Hoffman
`4/2014 Yisraelian et al .
`7/2014 Hoffman
`10/2014 Weiss
`5/2015 Wyatt
`8/2015 Weiss
`12/2015 Wyatt
`8/2016 Wyatt
`12/2016 Weiss
`1/2017 Garrett et al .
`9/2017 Wyatt
`7/2018 Wyatt
`2/2006 Sines
`9/2008 Preta et al .
`10/2010 Garrett et al .
`6/2011 Bona et al .
`2/2013 Guillaud et al .
`5/2013 Juthani
`2/2014 Galloway
`9/2014 Guillaud
`8/2018 Garrett et al .
`
`7,128,274 B2
`7,202,825 B2
`7,360,688 B1
`7,784,692 B1
`7,793,851 B2
`7,841,539 B2
`8,577,813 B2
`8,639,629 B1
`8,702,007 B2
`8,768,838 B1
`8,856,539 B2
`9,022,286 B2
`9,100,826 B2
`9,224,083 B2
`9,430,765 B2
`9,530,137 B2
`9,536,238 B2
`9,760,884 B2
`10,013,693 B2
`2006/0032908 Al
`2008/0223937 A1
`2010/0260388 Al
`2011/0140841 Al
`2013/0048712 A1
`2013/0124292 A1
`2014/0052632 A1
`2014/0279555 Al
`2018/0240106 Al
`
`Related U.S. Application Data
`continuation of application No. 14 / 680,946 , filed on
`Apr. 7 , 2015 , now Pat . No. 9,430,765 , which is a
`continuation of application No. 14 / 217,261 , filed on
`Mar. 17 , 2014 , now Pat . No. 9,022,286 .
`
`( 60 ) Provisional application No. 61 / 794,891 , filed on Mar.
`15 , 2013 .
`
`( 51 ) Int . Ci .
`G06Q 20/06
`G06Q 20/22
`G06Q 20/38
`G07F 7/08
`G06K 19/06
`GO6K 19/07
`G06K 19/077
`G06Q 20/24
`GO6Q 20/40
`( 52 ) U.S. Ci .
`G06Q 20/3827 ( 2013.01 ) ; G06Q 20/409
`CPC
`( 2013.01 ) ; G06Q 20/4012 ( 2013.01 ) ; G07F
`770873 ( 2013.01 ) ; G07F 19/00 ( 2013.01 )
`
`( 2012.01 )
`( 2012.01 )
`( 2012.01 )
`( 2006.01 )
`( 2006.01 )
`( 2006.01 )
`( 2006.01 )
`( 2012.01 )
`( 2012.01 )
`
`Case 7:24-cv-00279-ADA Document 1-2 Filed 11/04/24 Page 3 of 28
`
`

`

`U.S. Patent
`
`Apr. 21 , 2020
`
`Sheet 1 of 13
`
`US 10,628,820 B2
`
`130
`
`155
`
`101 .
`
`120
`
`FIG . 1
`
`150
`
`Case 7:24-cv-00279-ADA Document 1-2 Filed 11/04/24 Page 4 of 28
`
`

`

`U.S. Patent
`
`Apr. 21 , 2020
`
`Sheet 2 of 13
`
`US 10,628,820 B2
`
`2012
`
`Optical sensor array
`...
`
`I ... !
`
`O.
`
`230
`
`?
`
`225
`
`220
`
`210
`Motion
`Detection
`
`COR 215
`Interface
`
`240
`Real - Time
`Clock
`
`207
`
`Memory
`
`209
`
`Processor
`
`205
`
`Touch Sensor
`Array
`245
`
`Power
`Source
`255
`
`Display
`
`250
`
`235
`
`2016
`
`FIG . 2A
`
`Optical sensor array
`
`Case 7:24-cv-00279-ADA Document 1-2 Filed 11/04/24 Page 5 of 28
`
`210
`Motion
`Detection
`
`270
`US8
`
`Galvanic
`sensor
`
`235
`
`275
`
`Coil 215
`Interface
`
`240
`Real - Time
`Clock
`
`209
`
`Memory
`
`Processor
`
`Touch Sensor
`Array 245
`250
`
`Display
`
`FIG . 2B
`
`225
`
`220
`
`235
`
`230
`
`NFC
`260
`
`RFID
`265
`
`Power
`Source
`255
`
`235
`
`

`

`U.S. Patent
`
`Apr. 21 , 2020
`
`Sheet 3 of 13
`
`US 10,628,820 B2
`
`280
`
`282
`display a plurality of accounts stored by a memory comprised by
`a credit card device
`
`284
`receive an indication of a selection of an account from the
`plurality of accounts
`
`286
`configure the credit card device to perform a transaction
`according to user data associated with the selected account
`
`288
`encode a planar coil of the credit card device with a limited
`duration credit number associated with the selected account
`
`Case 7:24-cv-00279-ADA Document 1-2 Filed 11/04/24 Page 6 of 28
`
`FIG . 20
`
`

`

`U.S. Patent
`
`Apr. 21 , 2020
`
`Sheet 4 of 13
`
`US 10,628,820 B2
`
`300
`
`Is a standard magnetic card
`reader detected to be in
`proximity ?
`
`YES
`
`303
`Detect a movement rate at which the body of the credit card
`device is moving relative to the standard magnetic card reader
`
`305
`Generate a magnetic field via an inductor assembly comprised by
`the credit card device , the magnetic field having a target rate of
`alternating polarity , wherein the target rate of alternating polarity
`is based on the detected movement rate
`
`Case 7:24-cv-00279-ADA Document 1-2 Filed 11/04/24 Page 7 of 28
`
`FIG . 3
`
`

`

`U.S. Patent
`
`Apr. 21 , 2020
`
`Sheet 5 of 13
`
`US 10,628,820 B2
`
`445
`
`4503
`
`FIG . 4A
`
`e
`
`11
`
`401
`
`II
`
`4500
`
`FIG . 4B
`
`Case 7:24-cv-00279-ADA Document 1-2 Filed 11/04/24 Page 8 of 28
`
`

`

`U.S. Patent
`
`Apr. 21 , 2020
`
`Sheet 6 of 13
`
`US 10,628,820 B2
`
`590
`
`573
`
`6018
`
`Case 7:24-cv-00279-ADA Document 1-2 Filed 11/04/24 Page 9 of 28
`
`Samen
`
`6502
`
`FIG . 5
`
`680
`
`1
`7
`
`FIG . 6
`
`6015
`
`

`

`U.S. Patent
`
`Apr. 21 , 2020
`
`Sheet 7 of 13
`
`US 10,628,820 B2
`
`700
`
`701
`receive an input signal at a credit card device from a user
`enabling operation of a near - field communication ( NFC ) unit of
`the credit card device
`
`703
`receive an indication of an amount of currency for a transaction
`
`705
`generate , at the credit card device , an limited - duration credit card
`number
`
`707
`transniit the limited - duration credit card number from the credit
`card device to a recipient of the transaction
`
`Case 7:24-cv-00279-ADA Document 1-2 Filed 11/04/24 Page 10 of 28
`
`FIG . 7
`
`

`

`U.S. Patent
`
`Apr. 21 , 2020
`
`Sheet 8 of 13
`
`US 10,628,820 B2
`
`Field
`Magnetic
`
`Assembly , Proximity Interaction , Induction
`RF Antenna , Wireless , Inductor
`NFC , Inductor
`
`k
`
`Case 7:24-cv-00279-ADA Document 1-2 Filed 11/04/24 Page 11 of 28
`
`
`User
`
`
`
`Detection , e.g. , Optical Sensor Array
`
`
`
`
`
`Card Images , Bank & Issuer Logos
`
`Buttons
`
`
`
`Default / Selected payment option
`
`
`
`
`
`Displayed Security Challenge
`
`
`
`Johnny Appleseed
`
`X3932
`
`Pay with
`
`
`
`
`
`Touch ID Enter Passcode
`
`
`
`
`
`Accelerometer , Motion Detection Unit
`
`
`
`
`
`Touch ID Button User Touch Sensing Skin contact detection
`
`
`
`Fig . 8A
`
`
`
`Marissa Robertson O
`
`
`
`
`
`Partial Static Number Payment
`
`Last 4 - digit
`
`
`
`Touch Screen Panel
`
`
`
`Plurality of Stored Accounts
`
`
`devices , e.g. , USB Interface Edge interface - connector to standard computing
`
`
`
`
`

`

`U.S. Patent
`
`Apr. 21 , 2020
`
`Sheet 9 of 13
`
`US 10,628,820 B2
`
`
`Graphical payment information
`display , for
`user or merchant
`
`Account , codes and transaction information displayed for user , merchant , bank or
`
`
`
`
`
`
`
`credit card authority
`
`
`
`Pay Vendor
`
`TANTE Balance 888
`
`
`
`Receive Money
`
`
`
`Select Account
`
`O
`
`Fig . 8B
`
`
`
`Alphanumeric sequence , codes
`
`
`
`Account Remaining
`
`
`
`Account Selection
`
`
`
`Graphical payment account iconography
`
`
`
`
`
`Case 7:24-cv-00279-ADA Document 1-2 Filed 11/04/24 Page 12 of 28
`
`

`

`U.S. Patent
`
`Apr. 21 , 2020
`
`Sheet 10 of 13
`
`US 10,628,820 B2
`
`3
`
`6
`
`9
`
`range Tap or bring device within
`
`
`
`
`» ) ) )
`
`2
`
`5
`
`8
`
`0 0
`
`1
`
`4
`
`7
`
`X
`
`
`
`Payment Reader
`
`from plurality of stored accounts
`Select account
`
`Ready
`
`
`
`ohnny Appleseed
`
`x3932
`
`
`
`
`
`Hold Near Reader Balance $ 19.84
`
`Fig . 9
`
`
`
`Select / Display Payment Method
`
`Perform Security Authentication
`
`
`
`Enter Passcode
`
`819
`
`U
`
`
`
`Unlock Keycode
`
`Receipt
`
`Amount : $ 19.84
`
`
`
`Static ( x3932 ) vs. limited - use ( x3141 ) Transaction information
`
`Ready
`
`Card : x3141
`
`MASTERCARTE Payment
`
`
`
`
`
`Hold Near Bader Kolence $ 39.84
`
`
`
`
`
`God X3932 Johaw Arles
`
`Payment Transaction
`Card
`
`Proximity communications
`" primed " for transaction
`
`Case 7:24-cv-00279-ADA Document 1-2 Filed 11/04/24 Page 13 of 28
`
`buttons
`
`panel
`Touch sreen
`
`
`Last 4 digits of static
`
`number of selected account ( x3932 )
`
`
`
`Electronic Device
`
`Button - Press or Touch Enabling
`
`Touch Sreen user input
`
`

`

`U.S. Patent
`
`Apr. 21 , 2020
`
`Sheet 11 of 13
`
`US 10,628,820 B2
`
`
`
`Personal Computer
`
`
`
`
`
`
`
`G- transaction performed ; card number theft prevented
`
`Fig 10
`
`Online transaction
`
`connection
`
`
`
`A- Online Purchase
`
`Buy
`
`$ 19.84
`
`notification to Device
`
`B - Transaction Imminent
`
`numbers : account , expiration , card security code
`
`
`
`use payment
`
`
`E - Display generated limited
`
`
`
`Online Transaction
`
`Wireless
`
`communications
`
`QARDAQQQQQQQQQ
`
`
`
`limited - use payment information to computer
`
`F - Send
`
`Case 7:24-cv-00279-ADA Document 1-2 Filed 11/04/24 Page 14 of 28
`
`C- Correct
`
`User Identification
`
`314
`6666 7777 : 8888
`
`Johnny Appleseed $ 555
`01/99
`
`
`
`
`
`Youch ID Enter Passcode
`
`
`
`Marissa Robenson O
`
`
`
`Electronic Device
`
`D user input authorization
`
`User
`
`

`

`U.S. Patent
`
`Apr. 21 , 2020
`
`Sheet 12 of 13
`
`US 10,628,820 B2
`
`Card Device with no Fixed
`Payment Information
`
`Front View Logo
`
`Johnny Appleseed
`
`No Fixed Payment
`Numbers
`
`Back View
`
`No Fixed Payment
`Numbers
`
`Smart Card Reader
`Contacts
`
`Payment Icon
`
`Magnetic strip
`Card reader
`compatible
`
`Optional NFC
`logo
`
`> ) ) )
`
`Smart Card reader facility : Static and
`Dynamically - generated limited - use
`numbers
`
`Magnetic strip reader facility :
`limited - use Information
`
`Edge / Side View
`
`Case 7:24-cv-00279-ADA Document 1-2 Filed 11/04/24 Page 15 of 28
`
`Cryptographic Processor ,
`Memory , Sequential
`Counter Unit
`
`Optional NFC reader
`interface
`Fig 11
`
`

`

`U.S. Patent
`
`Apr. 21 , 2020
`
`Sheet 13 of 13
`
`US 10,628,820 B2
`
`
`
`Card reader Magnetic Strip compatible
`
`
`
`
`
`Optional NFC
`
`
`
`
`
`
`
`5555 6666 7777 8888
`
`)
`)
`)
`
`01/99
`
`Limited - use number
`
`Fig . 12
`
`
`User
`
`
`
`Interface . Account selection touch buttons
`
`
`
`
`
`Reader Contacts Smart Card
`
`1000
`1101
`DEBIT
`
`D >
`
`
`
`On / Off Button
`
`
`
`Account & Balance Info
`
`Payment Network
`Icon
`
`
`
`Card Device
`
`
`with Computing System
`Selectable Account Card Device , Wireless connected
`
`
`
`
`
`Case 7:24-cv-00279-ADA Document 1-2 Filed 11/04/24 Page 16 of 28
`
`
`
`$ 100
`
`Communications BOA
`
`N
`
`Wireless
`BALANCE $ 100
`X5678
`
`€
`
`Display
`
`Brand Logo
`
`
`
`number Selected Account Partial
`
`
`
`Markey Bank Of Americans * 5678 12/20 Ryan
`
`
`
`
`11/21 George Ow
`China Trusts X9876
`
`
`O
`
`Display of Selectable Payment Accounts
`
`

`

`1
`MULTI - FUNCTION ELECTRONIC PAYMENT
`DEVICE
`
`US 10,628,820 B2
`
`2
`in various ways , susceptible to theft and / or compromise .
`Therefore , these types of credit cards have security limita
`tions . Further , cards employing smart integrated circuit
`chips and RF technology are not in wide use at present
`5 because they are incompatible with existing credit card
`infrastructure , which still predominantly supports conven
`tional plastic credit cards .
`SUMMARY OF THE INVENTION
`
`RELATED APPLICATIONS
`This is a Continuation application of , commonly - owned
`U.S. patent application Ser . No. 15 / 250,698 , now U.S. Pat .
`No. 10,013,693 , filed Aug. 29 , 2016 , which in turn was a
`continuation of U.S. patent application Ser . No. 14 / 680,946 ,
`now U.S. Pat . No. 9,430,765 entitled “ MULTI - FUNC- 10
`This Summary is provided to introduce a selection of
`TIONAL CREDIT CARD TYPE PORTABLE ELEC
`concepts in a simplified form that are further described
`TRONIC DEVICE , " filed Apr. 7 , 2016 to inventor David
`below in the Detailed Description . This Summary is not
`Wyatt , which is itself a continuation of U.S. patent appli
`intended to identify key features or essential features of the
`cation Ser . No. 14 / 217,261 , now U.S. Pat . No. 9,022,286 ,
`similarly entitled “ MULTI - FUNCTIONAL CREDIT CARD 15 claimed subject matter , nor is it intended to be used to limit
`TYPE PORTABLE ELECTRONIC DEVICE , ” filed Mar.
`the scope of the claimed subject matter .
`17 , 2014 by the same inventor David Wyatt , and claims the
`An embodiment includes a multi - function electronic
`benefit of U.S. Provisional Patent No. 61 / 794,891 entitled
`device capable of generating a programmed magnetic field
`“ Multi - Functional Credit Card Device , ” filed Mar. 15 , 2013
`of alternating polarity based on a speed of a card swipe , and
`to inventor David Wyatt . The benefit of the earlier filing 20 methods for constructing the device for the purpose of
`dates is hereby claimed and the contents of the earlier filed
`emulating a standard credit card . An apparatus is described
`related applications are further incorporated by reference in
`to allow said device to emulate behavior of a credit card
`when used in electronic credit card readers . Additionally
`their entirety .
`methods are described to allow user control of said device
`25 for the purpose of authorizing or controlling use of said
`FIELD OF THE INVENTION
`device in the application of credit , debit and cash transac
`tions , including cryptocurrency and card - to - card transac
`Embodiments according to the present disclosure gener
`tions . Methods are also described for generating a limited
`ally relate to electronic or smartmulti - function electronic
`devices and , more specifically , to more secure , smart multi
`duration credit card number when performing a transaction
`function electronic payment devices and transaction pro- 30 for the purpose of creating a limited - use credit card number ,
`which is limited in scope of use to a predetermined number
`cessing thereof .
`of authorized transactions . Furthermore said device may
`interact with other similar devices in proximity for the
`BACKGROUND OF THE INVENTION
`purpose of funds or credit / debit transfers .
`More specifically , an aspect of the present disclosure
`There are several different types of credit cards available 35
`provides an apparatus comprising : a thin card shaped sized
`in the marketplace at present . A first type of credit card is a
`conventional , standard piece of plastic with a magnetic strip ,
`body ; a memory operative to store a plurality of identifica
`which is readily available and in wide commercial use . The
`tion data ; a processor coupled to the memory ; a user
`advantage of this first type of credit card is that a large
`interface for selecting a select identification data of said
`portion of the infrastructure for credit card transactions is 40 plurality of identification data ; a magnetic card reader detec
`built around this type of card , and consequently such a card
`tion unit for determining if the body is adjacent to a standard
`works in a wide array of vendors ' credit card machines ,
`magnetic card reader ; and an inductor assembly coupled to
`automated teller machines ( ATMs ) , and other devices that
`the processor and integrated into the body , the inductor
`support the present credit card and banking infrastructure .
`assembly under processor control for generating a magnetic
`Another type of credit card device employs the use of a 45 field of alternating polarity responsive to the body being
`smart integrated circuit chip . These types of credit cards
`detected as adjacent to a standard magnetic card reader , the
`have a built in microprocessor with cryptographic capabili
`magnetic field generated in a region substantially encom
`ties . These microprocessors operate in a similar manner to a
`passing the standard magnetic card reader , wherein the
`cell phone having a chip comprising a cryptographic pro
`magnetic field encodes said select identification data , and
`cessor . Such a smart card device requires contact with a 50 wherein the magnetic field is operable to be read by a
`reader in order to be read and to perform a transaction . The
`magnetic read head of the standard magnetic card reader .
`reader provides the manner in which a facility interacts with
`According to another aspect of the present disclosure , a
`the built - in processor on the card , e.g. , for purposes of
`multi - function electronic device comprises : a near - field
`performing verification on the authenticity of the card or for
`communication ( NFC ) unit ; a touch sensor array ; a display ;
`making a direct deposit on the card . These credit card 55 a motion rate detection array ; a memory , storing a user data
`devices also comprise a magnetic strip such that they are
`and a currency amount ; and a processor operatively coupled
`compatible with standard plastic credit card readers in wide
`to the NFC unit , the touch sensor array , the display , the
`motion rate detection array , and the memory ; and wherein
`use .
`A different type of credit card device in circulation
`the processor initiates a card - to - card transaction between
`employs radio frequency identification ( “ RFID ” ) . These 60 two multi - function electronic devices by a detected prox
`cards essentially have a low - power RF antenna built into the
`imity of a first multi - function electronic device and a second
`card , and when the cardholder passes the antenna in front of
`multi - function electronic device and an input of information
`a reader comprising an RF field , enough power is generated
`by a first user via said touch sensor array , and wherein the
`to enable the processor to interact wirelessly with the
`card - to - card transaction comprises an exchange of stored
`receiving device .
`65 currency and said user data between the first multi - function
`A concern with each of these types of credit cards
`electronic device and the second multi - function electronic
`presently available in the marketplace is that they can all be ,
`device via the NFC unit .
`
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`US 10,628,820 B2
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`4
`DETAILED DESCRIPTION OF THE
`INVENTION
`
`3
`According to yet another aspect of the present disclosure ,
`a method of performing a transaction comprises : receiving
`an input signal at a multi - function electronic device from a
`Reference will now be made in detail to the various
`user enabling operation of a near - field communication
`( NFC ) unit of the multi - function electronic device ; receiving 5 embodiments of the present disclosure , examples of which
`an indication of an amount of currency for a transaction ;
`are illustrated in the accompanying drawings . While
`described in conjunction with these embodiments , it will be
`generating at said multi - function electronic device a limited
`understood that they are not intended to limit the disclosure
`duration credit card number ; and transmitting said limited
`to these embodiments . On the contrary , the disclosure is
`duration credit card number from said multi - function elec
`10 intended to cover alternatives , modifications and equiva
`tronic device to a recipient of the transaction .
`lents , which may be included within the spirit and scope of
`the disclosure as defined by the appended claims . Further
`BRIEF DESCRIPTION OF THE DRAWINGS
`more , in the following detailed description of the present
`disclosure , numerous specific details are set forth in order to
`Embodiments of the present disclosure are illustrated by
`way of example , and not by way of limitation , in the figures 15 provide a thorough understanding of the present disclosure .
`However , it will be understood that the present disclosure
`of the accompanying drawings and in which like reference
`may be practiced without these specific details . In other
`numerals refer to similar elements .
`instances , well - known methods , procedures , components ,
`and circuits have not been described in detail so as not to
`FIG . 1 is an illustration depicting an exemplary interac
`tion between a multi - function electronic device and a stan- 20 unnecessarily obscure aspects of the present disclosure .
`dard magnetic card reader , according to an embodiment of
`Some portions of the detailed descriptions which follow
`the present disclosure .
`are presented in terms of procedures , steps , logic blocks ,
`FIGS . 2A - 2B are block diagrams illustrating data flow
`processing , and other symbolic representations of operations
`between the magnetic coils on the multi - function electronic
`on data bits that can be performed on computer memory .
`device and the microprocessor on the multi - function elec- 25 These descriptions and representations are the means used
`tronic device according to an embodiment of the present
`by those skilled in the data processing arts to most effec
`tively convey the substance of their work to others skilled in
`disclosure .
`FIG . 2C depicts an exemplary process of selecting an
`the art . A procedure , computer generated step , logic block ,
`account from a plurality of stored accounts according to an
`process , etc. , is here , and generally , conceived to be a
`30 self - consistent sequence of steps or instructions leading to a
`embodiment of the present disclosure .
`desired result . The steps are those requiring physical
`FIG . 3 is a flowchart illustrating an exemplary process of
`manipulations of physical quantities . Usually , though not
`generating a magnetic field with an alternating polarity
`necessarily , these quantities take the form of electrical or
`according to an embodiment of the present disclosure .
`magnetic signals capable of being stored , transferred , com
`FIGS . 4A - 4B illustrate a user interacting with a touch
`sensor of the multi - function electronic device , according to 35 bined , compared , and otherwise manipulated in a computer
`system . It has proven convenient at times , principally for
`an embodiment of the present disclosure .
`reasons of common usage , to refer to these signals as bits ,
`FIG . 5 is an illustration of a multi - function electronic
`values , elements , symbols , characters , terms , numbers , or
`device connected with a computing system and operating
`the like .
`according to an embodiment of the present disclosure .
`It should be borne in mind , however , that all of these and
`FIG . 6 is an illustration of two multi - function electronic
`similar terms are to be associated with the appropriate
`devices performing a transaction according to an embodi
`physical quantities and are merely convenient labels applied
`ment of the present disclosure .
`to these quantities . Unless specifically stated otherwise as
`FIG . 7 depicts an exemplary process according to an
`apparent from the following discussions , it is appreciated
`45 that throughout the present claimed subject matter , discus
`embodiment of the present disclosure .
`FIG . 8A illustrates an exemplary multifunction electronic
`sions utilizing terms such as “ storing , ” “ creating , ” “ protect
`device , in accordance with embodiments of the present
`ing , " " receiving , " " encrypting , " " decrypting , " " destroying , "
`or the like , refer to the action and processes of a computer
`invention .
`FIG . 8B illustrates exemplary displayed characteristics of
`system or integrated circuit , or similar electronic computing
`multifunction electronic device , in accordance with embodi- 50 device , including an embedded system , that manipulates and
`transforms data represented as physical ( electronic ) quanti
`ments of the present invention .
`FIG . 9 illustrates an exemplary process of performing a
`ties within the computer system's registers and memories
`financial transaction with a portable electronic device in
`into other data similarly represented as physical quantities
`conjunction with a payment reader , in accordance with
`within the computer system memories or registers or other
`55 such information storage , transmission or display devices .
`embodiments of the present invention .
`FIG . 10 illustrates an exemplary process for performing a
`Encoding Via an Alternating Polarity of a Magnetic Field
`financial transaction with a portable electronic device in
`In one embodiment of the present disclosure , a smart
`conjunction with a personal computer , in accordance with
`multi - function electronic device comprises a dynamic mag
`netic region ( strip ) incorporating a main inductor assembly
`embodiments of the present invention .
`FIG . 11 illustrate an exemplary electronic credit - card - like 60 from which programmed magnetic field data symbols are
`multi - function electronic device that has no fixed payment
`dynamically generated . In one embodiment the inductor
`information , in accordance with embodiments of the present
`assembly may be a planar coil formed within the material
`invention .
`that embodies the multi - function electronic device . An
`FIG . 12 illustrates an exemplary process for user selection
`advantage of using a planar coil is that it can dynamically
`of a preferred payment account for an electronic credit 65 produce a magnetic field in such a manner as to emulate the
`card - like device , in accordance with embodiments of the
`interaction between a traditional magnetic strip and a con
`present invention .
`ventional credit card reader . As the magnetic strip of a
`
`40
`
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`US 10,628,820 B2
`
`5
`6
`rality of accounts 209 , which may be credit card accounts ,
`conventional credit card is passed through a magnetic reader
`banking accounts , merchant accounts , online accounts , cryp
`head , stripes of alternating magnetic polarity embedded in
`tocurrency accounts , and combinations thereof . A motion
`the strip induce a magnetic field of alternating polarity at the
`detection module 210 is coupled to the processor unit 205
`reader head . The pattern formed by the alternating polarity
`of the magnetic field encodes information , which when 5 and to a set of motion detection units , which comprise a rate
`transformed by a transducer to a current signal in the
`detection assembly 225 , an optical sensor array 230 , and a
`magnetic reader head , provides user information for a trans
`set of accelerometers 235. The magnetic field is generated
`via a planar coil 220 , which is controlled by the processor
`action .
`Embodiments of the present disclosure provide a multi
`unit 205 via a coil interface 215. The rate at which the
`function electronic device able to generate a programmed 10 magnetic field changes polarity to encode the user data
`magnetic field , wherein data is encoded and represented by
`depends on the rate of relative movement detected by the
`an alternating polarity of the generated magnetic field . In a
`rate detector . The multi - function electronic device 2010
`similar manner to a conventional plastic credit card , the
`further comprises a real - time clock 240 , a touch - sensor array
`magnetic field produced by the planar coil is able to be read
`245 , and a display 250 , each operatively coupled to the
`by a pickup ( or “ transducer ” ) and to thereby transmit 15 processor unit 205. A user input may be made via the touch
`information to the magnetic card reader . FIG . 1 illustrates a
`sensor array 245 , which may comprise a touch screen panel ,
`credit card transaction 100 performed between a multi
`a keypad , or a combination thereof . The display 250 is able
`function electronic device 101 and a conventional magnetic
`to display an alphanumeric sequence , as well as graphical
`reader 150. The multi - function electronic device 101 gen
`icons ( such as a logo for a bank , or other images ) . See , for
`erates a magnetic field of alternating polarity 120 to be read 20 example , FIGS . 8A and 11. Further , an optional backup
`by the conventional magnetic card reader 150 , according to
`power source 255 is depicted .
`an embodiment of the present disclosure . The multi - function
`In one embodiment , the processor unit 205 is connected
`electronic device 101 is moved at a rate 130 relative to a
`to the planar coil 220 and the motion detection units , via the
`magnetic reader head 155 of conventional magnetic card
`motion detection module 210. The processor unit 205 is
`reader 150. The magnetic field 120 extends with sufficient 25 responsible for determining the appropriate rate with which
`distance and intensity from 101 so as to be read by magnetic
`to output data from the planar coil 220 , wherein output data
`head reader 155. The magnetic head reader 155 responds to
`is encoded using alternating polarity of a generated magnetic
`the magnetic field 120 by producing a current in the con
`field . The rate of the alternating polarity of the magnetic field
`ventional fashion , which is then interpreted as encoded
`is generated in accordance with the detected movement
`information by the magnetic reader 150. Therefore the 30 speed with which the card is swiped through the reader , in
`magnetic field of alternating polarity 120 produced by the
`order for the reader to receive the encoded data at the
`multi - function electronic device 101 has a substantially
`appropriate rate . Magnetic card readers , which are designed
`identical encoding effect as a traditional magnetic strip .
`to read conventional credit
`rds , are constructed to read
`A characteristic of encoding information in a conventional
`data at specified input rates that correspond with the data
`magnetic card strip is that binary information is encoded by 35 density present in conventional magnetic card strips . The
`the pattern of alternating magnetic polarity formed by fer
`magnetic data symbols generated by the planar coil 220 are
`romagnetic stripes embedded on the magnetic strip . As the
`produced to align with the rate at which data is being read
`conventional magnetic card strip has a standardized format ,
`by the magnetic card reader . Accordingly , it is irrelevant if
`the encoding of information is provided at a specified data
`the multi - function electronic device 2010 of the present
`density ( bits per inch ) , according to which conventional 40 disclosure is being swiped quickly or slowly , the planar coil
`magnetic readers are designed for interpretation of encoded
`220 is controlled by the processor unit 205 to produce data
`data . In order to most ably emulate a conventional credit
`at a substantially optimize