Case 7:24-cv-00279-ADA Document 1-3 Filed 11/04/24 Page 1 of 23
`
`Exhibit C
`
`

`

`( 12 ) United States Patent
`Wyatt
`
`( 10 ) Patent No .: US 10,810,579 B2
`( 45 ) Date of Patent :
`Oct. 20 , 2020
`
`US010810579B2
`
`( * ) Notice :
`
`( 54 ) SMART TOKENIZING PAYMENT CARD AND
`DEVICE AND TRANSACTION PROCESSING
`THEREOF , SYSTEM AND METHOD
`( 71 ) Applicant : Virtual Electric Inc. , San Jose , CA
`( US )
`( 72 ) Inventor : David Wyatt , San Jose , CA ( US )
`( 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 .
`( 21 ) Appl . No .: 16 / 459,150
`( 22 ) Filed :
`Jul . 1 , 2019
`( 65 )
`Prior Publication Data
`Oct. 24 , 2019
`US 2019/0325428 A1
`Related U.S. Application Data
`( 60 ) Continuation of application No. 15 / 701,261 , filed on
`Sep. 11 , 2017 , now Pat . No. 10,339,520 , which is a
`( Continued )
`
`( 51 ) Int . Ci .
`G06Q 20/34
`G07F 19/00
`
`( 52 ) U.S. Cl .
`CPC
`
`( 2012.01 )
`( 2006.01 )
`( Continued )
`G06Q 20/341 ( 2013.01 ) ; G06K 19/06206
`( 2013.01 ) ; G06K 19/0716 ( 2013.01 ) ;
`( Continued )
`( 58 ) Field of Classification Search
`G06Q 20/341 ; G06Q 20/4012 ; GO6Q
`CPC
`20/3827 ; G06Q 20/346 ; G06Q 20/065 ;
`
`Case 7:24-cv-00279-ADA Document 1-3 Filed 11/04/24 Page 2 of 23
`
`GO6Q 20/409 ; GO6Q 20/352 ; GO6Q
`20/24 ; G06Q 20/385 ; G06Q 20/347 ;
`G06Q 20/223 ; GO6Q 20/06 ; GO6K
`19/07749 ; G06K 19/0716 ; GOOK
`19/06206 ; G07F 7/0873 ; G07F 19/00
`See application file for complete search history .
`References Cited
`U.S. PATENT DOCUMENTS
`
`( 56 )
`
`9,292,849 B2 *
`9,646,300 B1 *
`2013/0159186 A1 *
`
`3/2016 Kurian
`5/2017 Zhou
`6/2013 Brudnicki
`
`G06Q 20/385
`G06Q 20/3224
`H04W 12/06
`705/44
`
`* cited by examiner
`Primary Examiner Seung H Lee
`ABSTRACT
`( 57 )
`An embodiment includes a credit card 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 said
`device to emulate behavior of a credit card when used in
`electronic credit card readers . Additionally methods are
`described to allow user control of said device for the purpose
`of authorizing or controlling use of said 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 said device may interact with
`other similar devices in proximity for the purpose of funds
`or credit / debit transfers .
`23 Claims , 7 Drawing Sheets
`
`470
`
`401
`
`Il
`
`-
`
`450b
`
`

`

`US 10,810,579 B2
`Page 2
`
`Related U.S. Application Data
`continuation of application No. 14 / 981,757 , filed on
`Dec. 28 , 2015 , now Pat . No. 9,760,884 , which is a
`continuation of application No. 14 / 680,979 , filed on
`Apr. 7 , 2015 , now Pat . No. 9,224,083 , which is a
`division 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 .
`( 2012.01 )
`GO6Q 20/06
`G06Q 20/22
`( 2012.01 )
`G06Q 20/38
`( 2012.01 )
`( 2006.01 )
`GO7F 7/08
`( 2006.01 )
`G06K 19/06
`( 2006.01 )
`G06K 19/07
`( 2006.01 )
`G06K 19/077
`G06Q 20/24
`( 2012.01 )
`( 2012.01 )
`G06Q 20/40
`( 52 ) U.S. Cl .
`CPC
`G06K 19/07749 ( 2013.01 ) ; G06Q 20/06
`( 2013.01 ) ; G06Q 20/065 ( 2013.01 ) ; G06Q
`20/223 ( 2013.01 ) ; G06Q 20/24 ( 2013.01 ) ;
`G06Q 20/346 ( 2013.01 ) ; G06Q 20/347
`( 2013.01 ) ; G06Q 20/352 ( 2013.01 ) ; G06Q
`20/385 ( 2013.01 ) ; G06Q 20/3827 ( 2013.01 ) ;
`G06Q 20/409 ( 2013.01 ) ; G06Q 20/4012
`( 2013.01 ) ; GO7F 770873 ( 2013.01 ) ; GO7F
`19/00 ( 2013.01 )
`
`Case 7:24-cv-00279-ADA Document 1-3 Filed 11/04/24 Page 3 of 23
`
`

`

`U.S. Patent
`
`Oct. 20 , 2020
`
`9
`
`Sheet 1 of 7
`
`US 10,810,579 B2
`
`130
`
`155
`
`101
`
`120
`
`FIG . 1
`
`Case 7:24-cv-00279-ADA Document 1-3 Filed 11/04/24 Page 4 of 23
`
`

`

`U.S. Patent
`
`Oct. 20 , 2020
`
`9
`
`Sheet 2 of 7
`
`US 10,810,579 B2
`
`230
`
`Optical sensor array
`
`210
`Motion
`Detection
`
`Interface
`
`240
`Real - Time
`Clock
`
`207
`
`Memory
`
`209
`
`Processor
`
`Touch Sensor
`Array
`245
`
`Power
`Source
`255
`
`Display
`
`250
`
`235
`
`2016
`
`FIG . 2A
`
`Optical sensor array
`
`CCCCL
`
`235
`
`230
`
`225
`
`220
`
`225
`
`220
`
`Case 7:24-cv-00279-ADA Document 1-3 Filed 11/04/24 Page 5 of 23
`
`210
`Motion
`Detection
`
`USB
`
`Galvanic
`sensor
`
`235
`
`275
`
`215
`Interface
`
`240
`Real - Time
`Clock
`
`207
`
`Memory
`
`209
`
`Processor
`
`205
`
`260
`
`RFID
`265
`
`Touch Sensor
`Array
`245
`
`Power
`Source
`255
`
`Display
`
`250
`
`FIG . 2B
`
`

`

`U.S. Patent
`
`Oct. 20 , 2020
`
`9
`
`Sheet 3 of 7
`
`US 10,810,579 B2
`
`280
`
`display a plurality of accounts stored by a memory comprised by
`a credit card device
`
`282
`
`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
`
`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 1-3 Filed 11/04/24 Page 6 of 23
`
`FIG . 20
`
`

`

`U.S. Patent
`
`Oct. 20 , 2020
`
`9
`
`Sheet 4 of 7
`
`US 10,810,579 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 1-3 Filed 11/04/24 Page 7 of 23
`
`FIG . 3
`
`

`

`U.S. Patent
`
`Oct. 20 , 2020
`
`9
`
`Sheet 5 of 7
`
`US 10,810,579 B2
`
`445
`
`11
`
`401
`
`To boo
`
`4502
`
`FIG . 4A
`
`11
`
`470
`
`090
`
`FIG . 4B
`
`450b
`
`Case 7:24-cv-00279-ADA Document 1-3 Filed 11/04/24 Page 8 of 23
`
`

`

`U.S. Patent
`
`Oct. 20 , 2020
`
`9
`
`Sheet 6 of 7
`
`US 10,810,579 B2
`
`590
`
`501
`
`570
`
`FIG . 5
`
`601a
`
`}
`
`6015
`
`Case 7:24-cv-00279-ADA Document 1-3 Filed 11/04/24 Page 9 of 23
`
`650a
`
`FIG . 6
`
`

`

`U.S. Patent
`
`Oct. 20 , 2020
`
`9
`
`Sheet 7 of 7
`
`US 10,810,579 B2
`
`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
`transmit the limited - duration credit card number from the credit
`card device to a recipient of the transaction
`
`Case 7:24-cv-00279-ADA Document 1-3 Filed 11/04/24 Page 10 of 23
`
`FIG . 7
`
`

`

`5
`
`Case 7:24-cv-00279-ADA Document 1-3 Filed 11/04/24 Page 11 of 23
`
`US 10,810,579 B2
`
`1
`SMART TOKENIZING PAYMENT CARD AND
`DEVICE AND TRANSACTION PROCESSING
`THEREOF , SYSTEM AND METHOD
`
`2
`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 Summary is provided to introduce a selection of
`This is a Continuation application of co - pending , com
`concepts in a simplified form that are further described
`monly - owned U.S. patent application Ser . No. 15 / 701,261 ,
`below in the Detailed Description . This Summary is not
`now U.S. Pat . No. 10,339,520 , filed Sep. 11 , 2017 , which in
`turn was a Continuation application U.S. patent application 10 intended to identify key features or essential features of the
`Ser . No. 14 / 981,757 , filed Dec. 28 , 2015 , now U.S. Pat . No.
`claimed subject matter , nor is it intended to be used to limit
`the scope of the claimed subject matter .
`9,760,884 , which in turn was a continuation of U.S. patent
`An embodiment includes a credit card device capable of
`application Ser . No. 14 / 680,979 , filed Apr. 7 , 2015 , now U.S.
`Pat . No. 9,224,083 , which in turn was a Division of U.S.
`generating a programmed magnetic field of alternating
`patent application Ser . No. 14 / 217,261 , filed Mar. 17 , 2014 , 15 polarity based on a speed of a card swipe , and methods for
`now U.S. Pat . No. 9,022,286 , which in turn claims priority
`constructing the device for the purpose of emulating a
`standard credit card . An apparatus is described to allow said
`from Provisional Application 61 / 794,891 , filed Mar. 15 ,
`device to emulate behavior of a credit card when used in
`2013 , each of which are hereby incorporated herein in their
`electronic credit card readers . Additionally methods are
`entirety by reference .
`20 described to allow user control of said device for the purpose
`of authorizing or controlling use of said device in the
`FIELD OF THE INVENTION
`application of credit , debit and cash transactions , including
`Embodiments according
`the present disclosure gener
`cryptocurrency and card - to - card transactions . Methods are
`also described for generating a limited - duration credit card
`ally relate to multi - function electronic devices or smart cards
`and , more particularly , to systems and methods of smart 25 number when performing a transaction for the purpose of
`tokenizing payment cards and devices and transaction pro
`creating a limited - use credit card number , which is limited
`in scope of use to a predetermined number of authorized
`cessing thereof .
`transactions . Furthermore said device may interact with
`other similar devices in proximity for the purpose of funds
`BACKGROUND OF THE INVENTION
`30 or credit / debit transfers .
`More specifically , an aspect of the present disclosure
`There are several different types of credit cards available
`in the marketplace at present . A first type of credit card is a
`provides an apparatus comprising : a thin card shaped sized
`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 35 interface for selecting a select identification data of said
`portion of the infrastructure for credit card transactions is
`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 . 40 assembly under processor control for generating a magnetic
`Another type of credit card device employs the use of a
`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- 45 magnetic field encodes said select identification data , and
`cessor . Such a smart card device requires contact with a
`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
`credit card device comprises : a near - field communication
`performing verification on the authenticity of the card or for 50 ( NFC ) unit ; a touch sensor array ; a display ; a motion rate
`making a direct deposit on the card . These credit card
`detection array ; a memory , storing a user data and a currency
`devices also comprise a magnetic strip such that they are
`amount ; and a processor operatively coupled to the NFC
`compatible with standard plastic credit card readers in wide
`unit , the touch sensor array , the display , the motion rate
`detection array , and the memory ; and wherein the processor
`use .
`A different type of credit card device in circulation 55 initiates a card - to - card transaction between two credit card
`devices by a detected proximity of a first credit card device
`employs radio frequency identification ( “ RFID ” ) . These
`cards essentially have a low - power RF antenna built into the
`and a second credit card device and an input of information
`card , and when the cardholder passes the antenna in front of
`by a first user via said touch sensor array , and wherein the
`a reader comprising an RF field , enough power is generated
`card - to - card transaction comprises an exchange of stored
`to enable the processor to interact wirelessly with the 60 currency and said user data between the first credit card
`receiving device .
`device and the second credit card device via the NFC unit .
`A concern with each of these types of credit cards
`According to yet another aspect of the present disclosure ,
`presently available in the marketplace is that they can all be ,
`a method of performing a transaction comprises : receiving
`in various ways , susceptible to theft and / or compromise .
`an input signal at a credit card device from a user enabling
`Therefore , these types of credit cards have security limita- 65 operation of a near - field communication ( NFC ) unit of the
`tions . Further , cards employing smart integrated circuit
`credit card device ; receiving an indication of an amount of
`chips and RF technology are not in wide use at present
`currency for a transaction ; generating at said credit card
`
`

`

`10
`
`Case 7:24-cv-00279-ADA Document 1-3 Filed 11/04/24 Page 12 of 23
`
`US 10,810,579 B2
`
`3
`device a limited - duration credit card number ; and transmit
`ting said limited - duration credit card number from said
`credit card device to a recipient of the transaction .
`BRIEF DESCRIPTION OF THE DRAWINGS
`
`4
`desired result . The steps are those requiring physical
`manipulations of physical quantities . Usually , though not
`necessarily , these quantities take the form of electrical or
`magnetic signals capable of being stored , transferred , com
`5 bined , compared , and otherwise manipulated in a computer
`system . It has proven convenient at times , principally for
`Embodiments of the present disclosure are illustrated by
`reasons of common usage , to refer to these signals as bits ,
`way of example , and not by way of limitation , in the figures
`values , elements , symbols , characters , terms , numbers , or
`of the accompanying drawings and in which like reference
`the like .
`numerals refer to similar elements .
`It should be borne in mind , however , that all of these and
`FIG . 1 is an illustration depicting an exemplary interac
`similar terms are to be associated with the appropriate
`tion between a multi - function electronic device and a stan
`physical quantities and are merely convenient labels applied
`dard magnetic card reader , according to an embodiment of
`to these quantities . Unless specifically stated otherwise as
`the present disclosure .
`FIGS . 2A - 2B are block diagrams illustrating data flow 15 apparent from the following discussions , it is appreciated
`that throughout the present claimed subject matter , discus
`between the magnetic coils on the multi - function electronic
`sions utilizing terms such as “ storing , " " creating , ” “ protect
`device and the microprocessor on the multi - function elec
`ing , ” “ receiving , ” “ encrypting ” , “ decrypting ” , “ destroying ” ,
`tronic device according to an embodiment of the present
`or the like , refer to the action and processes of a computer
`disclosure .
`FIG . 2C depicts an exemplary process of selecting an 20 system or integrated circuit , or similar electronic computing
`account from a plurality of stored accounts according to an
`device , including an embedded system , that manipulates and
`transforms data represented as physical ( electronic ) quanti
`embodiment of the present disclosure .
`FIG . 3 is a flowchart illustrating an exemplary process of
`ties within the computer system's registers and memories
`into other data similarly represented as physical quantities
`generating a magnetic field with an alternating polarity
`according to an embodiment of the present disclosure .
`25 within the computer system memories or registers or other
`FIGS . 4A - 4B illustrate a user interacting with a touch
`such information storage , transmission or display devices .
`sensor of the multi - function electronic device , according to
`Encoding Via an Alternating Polarity of a Magnetic Field
`In one embodiment of the present disclosure , a smart
`an embodiment of the present disclosure .
`FIG . 5 is an illustration of a multi - function electronic
`credit card device comprises a dynamic magnetic region
`device connected with a computing system and operating 30 ( strip ) incorporating a main inductor assembly from which
`according to an embodiment of the present disclosure .
`programmed magnetic field data symbols are dynamically
`FIG . 6 is an illustration of two multi - function electronic
`generated . In one embodiment the inductor assembly may be
`devices performing a transaction according to an embodi
`a planar coil formed within the material that embodies the
`credit card . An advantage of using a planar coil is that it can
`ment of the present disclosure .
`FIG . 7 depicts an exemplary process according to an 35 dynamically produce a magnetic field in such a manner as to
`emulate the interaction between a traditional magnetic strip
`embodiment of the present disclosure .
`and a conventional credit card reader . As the magnetic strip
`of a conventional credit card is passed through a magnetic
`DETAILED DESCRIPTION OF THE
`reader head , stripes of alternating magnetic polarity embed
`INVENTION
`40 ded in the strip induce a magnetic field of alternating polarity
`at the reader head . The pattern formed by the alternating
`Reference will now be made in detail to the various
`polarity of the magnetic field encodes information , which
`embodiments of the present disclosure , examples of which
`are illustrated in the accompanying drawings . While
`when transformed by a transducer to a current signal in the
`described in conjunction with these embodiments , it will be
`magnetic reader head , provides user information for a trans
`understood that they are not intended to limit the disclosure 45 action .
`to these embodiments . On the contrary , the disclosure is
`Embodiments of the present disclosure provide a credit
`intended to cover alternatives , modifications and equiva
`card device able to generate a programmed magnetic field ,
`lents , which may be included within the spirit and scope of
`wherein data is encoded and represented by an alternating
`the disclosure as defined by the appended claims . Further
`polarity of the generated magnetic field . In a similar manner
`more , in the following detailed description of the present 50 to a conventional plastic credit card , the magnetic field
`disclosure , numerous specific details are set forth in order to
`produced by the planar coil is able to be read by a pickup ( or
`provide a thorough understanding of the present disclosure .
`" transducer ” ) and to thereby transmit information to the
`However , it will be understood that the present disclosure
`magnetic card reader . FIG . 1 illustrates a credit card trans
`may be practiced without these specific details . In other
`action 100 performed between a credit card device 101 and
`instances , well - known methods , procedures , components , 55 a conventional magnetic reader 150. The credit card device
`and circuits have not been described in detail so as not to
`101 generates a magnetic field of alternating polarity 120 to
`unnecessarily obscure aspects of the present disclosure .
`be read by the conventional magnetic card reader 150 ,
`Some portions of the detailed descriptions which follow
`according to an embodiment of the present disclosure . The
`are presented in terms of procedures , steps , logic blocks ,
`credit card device 101 is moved at a rate 130 relative to a
`processing , and other symbolic representations of operations 60 magnetic reader head 155 of conventional magnetic card
`on data bits that can be performed on computer memory .
`reader 150. The magnetic field 120 extends with sufficient
`These descriptions and representations are the means used
`distance and intensity from credit card 101 so as to be read
`by those skilled in the data processing arts to most effec
`by magnetic head reader 155. The magnetic head reader 155
`tively convey the substance of their work to others skilled in
`responds to the magnetic field 120 by producing a current in
`the art . A procedure , computer generated step , logic block , 65 the conventional fashion , which is then interpreted as
`process , etc. , is here , and generally , conceived to be a
`encoded information by the magnetic reader 150. Therefore
`self - consistent sequence of steps or instructions leading to a
`the magnetic field of alternating polarity 120 produced by
`
`

`

`US 10,810,579 B2
`
`5
`6
`density present in conventional magnetic card strips . The
`the credit card device 101 has a substantially identical
`magnetic data symbols generated by the planar coil 220 are
`encoding effect as a traditional magnetic strip .
`produced to align with the rate at which data is being read
`A characteristic of encoding information in a conventional
`by the magnetic card reader . Accordingly , it is irrelevant if
`magnetic card strip is that binary information is encoded by
`the pattern of alternating magnetic polarity formed by fer- 5 the credit card device 201? of the present disclosure is being
`romagnetic stripes embedded on the magnetic strip . As the
`swiped quickly or slowly , the planar coil 220 is controlled by
`conventional magnetic card strip has a standardized format ,
`the processor unit 205 to produce data at a substantially
`the encoding of information is provided at a specified data
`optimized rate , where the rate of data production is depen
`density ( bits per inch ) , according to which conventional
`dent on the rate at which the credit card device 201a is
`magnetic readers are designed for interpretation of encoded 10 detected to be passing across the magnetic reader head .
`data . In order to most ably emulate a conventional credit
`FIG . 2B depicts a credit card device 2016 according to an
`card interaction with a conventional magnetic reader the
`embodiment of the present disclosure . Credit card device
`credit card device 101 of the present disclosure is provided
`201b comprises a processor 205 and a memory unit 207 , the
`with a means of determining a substantially optimal rate for
`processor 205 operatively coupled to the components of
`alternating the polarity of the generated magnetic field 120 15 credit card device 2016. The memory 207 comprises a
`in order to produce data at a rate which is able to be readily
`plurality of accounts 209 , which may be credit card
`received and correctly interpreted by the conventional mag
`accounts , banking accounts , merchant accounts , online
`netic reader 150. Embodiments of the present disclosure
`accounts , cryptocurrency accounts , and combinations
`provide several means of determining the relative movement
`thereof . A motion detection module 210 is coupled to the
`rate 130 between the credit card device 101 and the magnetic 20 processor unit 205 and to a set of motion detection units ,
`reader head 155. These features , as well as other character
`which comprise a rate detection assembly 225 , an optical
`istics of the credit card device of the present disclosure , can
`sensor array 230 , and a set of accelerometers 235. Addition
`be better appreciated by a description of the internal com
`ally , a galvanic sensor 275 is coupled to processor unit 205 .
`The magnetic field is generated via a planar coil 220 , which
`ponents and functions of credit card device 101 .
`FIGS . 2A and 2B depict exemplary embodiments of the 25 is controlled by the processor unit 205 via a coil interface
`smart credit card device , in a block diagram view . The
`215. The rate at which the magnetic field changes polarity to
`components of the block diagram are illustrated according to
`encode the user data depends on the rate of relative move
`functional connections , and their locations should not be
`ment detected by the rate detector . The credit card device
`construed as being limited to the respective locations as
`2016 further comprises a real - time clock 240 , a touch - sensor
`depicted in FIGS . 2A - 2B . In FIG . 2A , credit card device 30 array 245 , and a display 250 , each operatively coupled to the
`201a is shown in a block diagram view . Credit card device
`processor unit 205. A user input may be made via the touch
`201a comprises a processor 205 and a memory unit 207 , the
`sensor array 245 , which may comprise a touch screen panel ,
`processor 205 operatively coupled to the components of
`a keypad , or a combination thereof . The display 250 is able
`credit card device 201a . The memory 207 comprises a
`to display an alphanumeric sequence , as well as graphical
`plurality of accounts 209 , which may be credit card 35 icons ( such as a logo for a bank , or other images ) . Further ,
`accounts , banking accounts , merchant accounts , online
`an optional backup power source 255 is depicted . Credit
`accounts , cryptocurrency accounts , and combinations
`card device 2016 further comprises a near - field communi
`thereof . A motion detection module 210 is coupled to the
`cation ( NFC ) unit 260 , as well as a radio frequency identi
`processor unit 205 and to a set of motion detection units ,
`fication ( RFID ) unit 265 , both of which are operatively
`which comprise a rate detection assembly 225 , an optical 40 coupled to the processor unit 205. In one embodiment the
`sensor array 230 , and a set of accelerometers 235. The
`NFC and RFID may share the planar coil for use as a RF
`magnetic field is generated via a planar coil 220 , which is
`antennae , through the coil interface 215. In one embodiment
`controlled by the processor unit 205 via a coil interface 215 .
`one or both the NFC and the RFID may have antennae
`The rate at which the magnetic field changes polarity to
`dedicated to that individual sub - system . A universal serial
`encode the user data depends on the rate of relative move- 45 bus ( USB ) connector 270 is coupled to the processor unit
`ment detected by the rate detector . The credit card device
`205. The functionality of the components with regard to
`201a further comprises a real - time clock 240 , a touch - sensor
`exemplary uses of credit card devices 201a and 2016 is
`array 245 , and a display 250 , each operatively coupled to the
`described in greater detail in the following description .
`processor unit 205. A user input may be made via the touch
`A further aspect of the present disclosure provides a single
`sensor array 245 , which may comprise a touch screen panel , 50 credit card device that can be used for multiple banks or
`a keypad , or a combination thereof . The display 250 is able
`financial institutions . For example , instead of carrying a
`to display an alphanumeric sequence , as well as graphical
`separate credit card for each account of a variety of credit
`icons ( such as a logo for a bank , or other images ) . Further ,
`card companies , a customer need only to carry a single card
`an optional backup power source 255 is depicted .
`according to embodiments of the present disclosure . The
`In one embodiment , the processor unit 205 is connected 55 capability of the credit card device to generate a multitude
`to the planar coil 220 and the motion detection units , via the
`of credit card numbers provides the ability of the credit card
`motion detection module 210. The processor unit 205 is
`device to be associated with multiple accounts . Furthermore ,
`responsible for determining the appropriate rate with which
`inputs at the touch sensor array on the credit card device can
`to output data from the planar coil 220 , wherein output data
`be used to select the appropriate bank or credit provider
`is encoded using alternating polarity of a generated magnetic 60 account stored in the memory unit of the credit card device .
`field . The rate of the alternating polarity of the magnetic field
`FIG . 2C depicts a process of selecting an account from a
`is generated in accordance with the detected movement
`plurality of stored accounts in order to perform a transaction
`speed with which the card is swiped through the reader , in
`with the selected account , according to an embodiment of
`order for the reader to receive the encoded data at the
`the present disclosure . The process 280 begins at step 282 ,
`appropriate rate . Magnetic card readers , which are designed 65 where a plurality of accounts stored by the credit card device
`to read conventional credit cards , are constructed to read
`memory is displayed . The plurality of accounts 209 are
`data at specified input rates that correspond with the data
`stored by memory 207 , and are displayed using display 250 .
`
`Case 7:24-cv-00279-ADA Document 1-3 Filed 11/04/24 Page 13 of 23
`
`

`

`US 10,810,579 B2
`
`7
`8
`set of accelerometers comprises groups of accelerometers ,
`A user indicates an account selected from the plurality of
`each group having one or more accelerometers disposed at
`accounts at step 284. The selection is able to be made by
`orthogonal planes to each other , and each group capable of
`keypad or touch sensor array 245 , and an indication of the
`generating signals that allow for determination of the ori
`selected account can be displayed via display 250. At step
`286 the credit card device is configured according to account 5 entation , motion and acceleration of the credit card device
`information associated with the selected account , which may
`201a .
`include an account number , an expiration date , and other
`The detected movement signal is received by the motion
`user information associated with the account ( e.g. a user
`detection module 210. The detected movement signal is
`name , PIN , password , email address , etc. ) . At step 288 the
`generated by any one of the set of motion detection units , or
`planar coil of the credit card device is encoded with a 10 any combination of motion detection units of the set . For
`limited - duration credit card number that is associated with
`example , the movement detection signal is able to be gen
`the selected account . The limited - duration credit card num
`erated by the combination of the rate detection assembly 225
`ber is able to be generated according to the selected account ,
`and the optical sensor array 230. In an embodiment , the
`a timestamp , a transaction amount , an indicated merchant ,
`movement detection module 210 is able to determine the
`user key or secrets , on - card unique hardware secrets , credit 15 movement rate of the credit card device 201a from the
`card authority key or secrets , user input from the card
`detected movement signals , and transmits the determined
`interface , and other information associated with the trans
`movement rate , and orientation to the processor unit 205. In
`an embodiment , the motion detection module 210 sends the
`action .
`detected movement signal to the processor unit 205 , and the
`Movement Rate Feedback
`The relative movement rate of credit card device 201a is 20 processor unit 205 determines the relative movement rate .
`In one embodiment , the generation of the magnetic field
`detected by one or more of the set o