Case 7:24-cv-00279-ADA Document 1-4 Filed 11/04/24 Page 1 of 24
`
`Exhibit D
`
`

`

`( 12 ) United States Patent
`Wyatt
`
`( 10 ) Patent No .: US 11,176,538 B2
`( 45 ) Date of Patent :
`Nov. 16 , 2021
`
`US011176538B2
`
`( 54 ) MULTI - FUNCTION SMART TOKENIZING
`ELECTRONIC PAYMENT DEVICE
`( 71 ) Applicant : Virtual Electric Inc. , San Jose , CA
`( US )
`( 72 ) Inventor : David Wyatt , San Jose , CA ( US )
`Subject to any disclaimer , the term of this
`( * ) Notice :
`patent is extended or adjusted under 35
`U.S.C. 154 ( b ) by 0 days .
`( 21 ) Appl . No .: 17 / 075,637
`( 22 ) Filed :
`Oct. 20 , 2020
`( 65 )
`
`Prior Publication Data
`Sep. 30 , 2021
`US 2021/0304187 A1
`Related U.S. Application Data
`( 60 ) Continuation of application No. 16 / 459,150 , filed on
`Jul . 1 , 2019 , now Pat . No. 10,810,579 , which is a
`( Continued )
`
`( 51 )
`
`( 52 )
`
`( 58 )
`
`Int . Cl .
`G06Q 20/34
`GOZF 19/00
`
`( 2012.01 )
`( 2006.01 )
`( Continued )
`U.S. CI .
`CPC ... G06Q 20/341 ( 2013.01 ) ; G06K 19/06206
`( 2013.01 ) ; G06K 19/0716 ( 2013.01 ) ; 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 ) ;
`( Continued )
`Field of Classification Search
`GO6Q 20/341 ; G06Q 20/4012 ; GO6Q
`CPC ........
`
`20/3827 ; G06Q 20/346 ; G06Q 20/065 ;
`G06Q 20/409 ; G06Q 20/352 ; GO6Q
`20/24 ; G06Q 20/385 ; G06Q 20/347 ;
`G06Q 20/223 ; G06Q 20/06 ; GO6K
`19/07749 ; G06K 19/0716 ; G06K
`19/06206 ; G07F 7/0873 ; G07F 19/00
`See application file for complete search history .
`References Cited
`U.S. PATENT DOCUMENTS
`
`( 56 )
`
`7,580,898 B2 *
`
`8/2009 Brown
`
`7,793,851 B2 *
`
`9/2010 Mullen
`
`G06Q 20/341
`705/50
`GO6Q 20/40
`235/493
`
`a
`
`( Continued )
`Primary Examiner Seung H Lee
`ABSTRACT
`( 57 )
`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 device - to - device transactions . Methods
`are also described for generating a limited - duration payment
`number when performing a transaction for the purpose of
`creating a limited - use payment 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 .
`30 Claims , 7 Drawing Sheets
`
`Case 7:24-cv-00279-ADA Document 1-4 Filed 11/04/24 Page 2 of 24
`
`155
`
`120
`
`APS
`
`150
`
`

`

`US 11,176,538 B2
`Page 2
`
`G06K 19/077
`G06Q 20/24
`G06Q 20/40
`( 52 ) U.S. CI .
`CPC
`
`( 2006.01 )
`( 2012.01 )
`( 2012.01 )
`
`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 ) ; G07F 770873 ( 2013.01 ) ; G07F
`19/00 ( 2013.01 )
`
`( 56 )
`
`References Cited
`U.S. PATENT DOCUMENTS
`
`8,851,370 B2
`9,646,301 B2
`9,928,496 B2 *
`10,339,520 B2 *
`* cited by examiner
`
`10/2014 DiMuro
`5/2017 DiMuro
`3/2018 Lee
`7/2019 Wyatt
`
`G06Q 20/353
`G06Q 20/346
`
`2
`
`Related U.S. Application Data
`continuation of application No. 15 / 701,261 , filed on
`Sep. 11 , 2017 , now Pat . No. 10,339,520 , which is a
`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 .
`G06Q 20/06
`G06Q 20/22
`G06Q 20/38
`G07F 7/08
`GO6K 19/06
`G06K 19/07
`
`( 2012.01 )
`( 2012.01 )
`( 2012.01 )
`( 2006.01 )
`( 2006.01 )
`( 2006.01 )
`
`Case 7:24-cv-00279-ADA Document 1-4 Filed 11/04/24 Page 3 of 24
`
`

`

`U.S. Patent
`
`Nov. 16 , 2021
`
`Sheet 1 of 7
`
`US 11,176,538 B2
`
`AND
`
`130
`
`155
`
`120
`
`FIG . 1
`
`150
`
`Case 7:24-cv-00279-ADA Document 1-4 Filed 11/04/24 Page 4 of 24
`
`

`

`U.S. Patent
`
`Nov. 16 , 2021
`
`Sheet 2 of 7
`
`US 11,176,538 B2
`
`230
`
`Optical sensor array
`
`kuchukua
`
`hahanananana
`
`210
`Detection
`
`25
`Interface
`
`207 Memory
`
`Processor
`
`Real Time
`Clock
`
`Touch Sensor
`Array
`245
`
`Source
`255
`
`235
`
`Display
`
`FIG . 2A
`
`Optical sensor array
`
`225
`
`220
`
`225
`
`220
`
`230
`
`260
`
`265
`
`210
`Detection
`
`270
`
`215
`Interface
`
`240
`Real Time
`Cock
`
`Case 7:24-cv-00279-ADA Document 1-4 Filed 11/04/24 Page 5 of 24
`
`202 Memory
`
`1
`
`Processor
`
`Touch Sensor
`Array
`245
`
`Power
`Source
`255
`
`Galvanic
`sensor
`
`Display
`
`235
`
`275
`
`FIG . 2B
`
`

`

`U.S. Patent
`
`Nov. 16 , 2021
`
`Sheet 3 of 7
`
`US 11,176,538 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
`
`configure the credit card device to perform a transaction
`according to user data associated with the selected account
`
`286
`
`233
`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 1-4 Filed 11/04/24 Page 6 of 24
`
`FIG . 20
`
`

`

`U.S. Patent
`
`Nov. 16 , 2021
`
`Sheet 4 of 7
`
`US 11,176,538 B2
`
`300
`
`is a standard magnetic card
`reader detected to be in
`proximity ?
`
`NO
`
`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 1-4 Filed 11/04/24 Page 7 of 24
`
`FIG . 3
`
`

`

`U.S. Patent
`
`Nov. 16 , 2021
`
`Sheet 5 of 7
`
`US 11,176,538 B2
`
`2
`
`000 88
`
`450a
`
`FIG . 4A
`
`Case 7:24-cv-00279-ADA Document 1-4 Filed 11/04/24 Page 8 of 24
`
`Por 000
`
`UNIO
`
`FIG . 4B
`
`4505
`
`

`

`U.S. Patent
`
`Nov. 16 , 2021
`
`Sheet 6 of 7
`
`US 11,176,538 B2
`
`*
`
`Bu
`
`FIG . 5
`
`601a
`
`^ y
`
`6015
`
`Case 7:24-cv-00279-ADA Document 1-4 Filed 11/04/24 Page 9 of 24
`
`650a
`
`FIG . 6
`
`

`

`U.S. Patent
`
`Nov. 16 , 2021
`
`Sheet 7 of 7
`
`US 11,176,538 B2
`
`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
`
`receive an indication of an amount of currency for a transaction
`
`generate , at the credit card device , an limited - duration credit card
`number
`
`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 1-4 Filed 11/04/24 Page 10 of 24
`
`FIG , 7
`
`

`

`1
`MULTI - FUNCTION SMART TOKENIZING
`ELECTRONIC PAYMENT DEVICE
`
`US 11,176,538 B2
`
`2
`chips and RF technology are not in wide use at present
`because they are incompatible with existing credit card
`infrastructure , which still predominantly supports conven
`tional plastic credit cards .
`SUMMARY OF THE INVENTION
`
`5
`
`RELATED APPLICATIONS
`This is a Continuation application of commonly - owned
`U.S. patent application Ser . No. 16 / 459,150 , now U.S. Pat .
`This Summary is provided to introduce a selection of
`No. 10,810,579 , filed Jul . 1 , 2019 , which in turn was a
`concepts in a simplified form that are further described
`Continuation application of commonly - owned U.S. patent
`10 below in the Detailed Description . This Summary is not
`application Ser . No. 15 / 701,261 , now U.S. Pat . No. 10,339 ,
`intended to identify key features or essential features of the
`520 , filed Sep. 11 , 2017 , which in turn was a Continuation
`claimed subject matter , nor is it intended to be used to limit
`application U.S. patent application Ser . No. 14 / 981,757 ,
`the scope of the claimed subject matter .
`filed Dec. 28 ,
`15 , now U.S. Pat . No. 9,760,884 , which in
`An embodiment includes a multi - function electronic
`turn was a continuation of U.S. patent application Ser . No.
`14 / 680,979 , filed Apr. 7 , 2015 , now U.S. Pat . No. 9,224,083 , 15 device capable of generating a programmed magnetic field
`which in turn was a Division of U.S. patent application Ser .
`of alternating polarity based on a speed of a card swipe , and
`methods for constructing the device for the purpose of
`No. 14 / 217,261 , filed Mar. 17 , 2014 , now U.S. Pat . No.
`9,022,286 , which in turn claims priority from Provisional
`emulating a standard credit card . An apparatus is described
`to allow said device to emulate behavior of a credit card
`Application 61 / 794,891 , filed Mar. 15 , 2013 , each of which
`are hereby incorporated herein in their entirety by reference . 20 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
`FIELD OF THE INVENTION
`device in the application of credit , debit and cash transac
`Embodiments according to the present disclosure gener-
`tions , including cryptocurrency and device - to - device trans
`ally relate to electronic or smart payment devices and , more 25 actions . Methods are also described for generating a limited
`specifically , to more secure , smart multi - function smart
`duration payment number when performing a transaction for
`tokenizing electronic payment devices and transaction pro-
`the purpose of creating a limited - use payment number ,
`which is limited in scope of use to a predetermined number
`cessing thereof .
`of authorized transactions . Furthermore , said device may
`30 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
`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 35 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
`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
`a
`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 40 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
`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 45 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
`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 50 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
`direct deposit on the card . These credit card
`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
`55 motion rate detection array , and the memory ; and wherein
`use .
`A different type of credit card device in circulation
`the processor initiates a device - to - device transaction
`between two devices by a detected proximity of a first device
`employs radio frequency identification ( “ RFID ” ) . These
`cards essentially have a low - power RF antenna built into the
`and a second device and an input of information by a first
`card , and when the cardholder passes the antenna in front of
`user via said touch sensor array , and wherein the device - to
`a reader comprising an RF field , enough power is generated 60 device transaction comprises an exchange of stored currency
`to enable the processor to interact wirelessly with the
`and said user data between the first device and the second
`receiving device .
`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 . 65 an input signal at a multi - function electronic device from a
`Therefore , these types of credit cards have security limita-
`user enabling operation of a near - field communication
`tions . Further , cards employing smart integrated circuit
`( NFC ) unit of the device ; receiving an indication of an
`
`a
`
`Case 7:24-cv-00279-ADA Document 1-4 Filed 11/04/24 Page 11 of 24
`
`a
`
`

`

`US 11,176,538 B2
`
`5
`
`3
`amount of currency for a transaction ; generating at said
`device a limited - duration payment number , and transmitting
`said limited - duration payment number from said device to a
`recipient of the transaction .
`BRIEF DESCRIPTION OF THE DRAWINGS
`
`4
`manipulations of physical quantities . Usually , though not
`necessarily , these quantities take the form of electrical or
`magnetic signals capable of being stored , transferred , com
`bined , compared , and otherwise manipulated in a computer
`system . It has proven convenient at times , principally for
`reasons of common usage , to refer to these signals as bits ,
`values , elements , symbols , characters , terms , numbers , or
`the like .
`Embodiments of the present disclosure are illustrated by
`way of example , and not by way of limitation , in the figures
`It should be borne in mind , however , that all of these and
`of the accompanying drawings and in which like reference 10 similar terms are to be associated with the appropriate
`numerals refer to similar elements .
`physical quantities and are merely convenient labels applied
`FIG . 1 is an illustration depicting an exemplary interac
`to these quantities . Unless specifically stated otherwise as
`tion between a device and a standard magnetic card reader ,
`apparent from the following discussions , it is appreciated
`according to an embodiment of the present disclosure .
`FIGS . 2A - 2B are block diagrams illustrating data flow 15 that throughout the present claimed subject matter , discus
`sions utilizing terms such as “ storing , ” “ creating , ” “ protect
`between the magnetic coils on the device and the micropro
`ing , " " receiving , " " encrypting , " " decrypting , " " destroying , "
`cessor on the device according to an embodiment of the
`or the like , refer to the action and processes of a computer
`present disclosure .
`system or integrated circuit , or similar electronic computing
`FIG . 2C depicts an exemplary process of selecting an
`account from a plurality of stored accounts according to an 20 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 .
`within the computer system memories or registers or other
`FIGS . 4A - 4B illustrate a user interacting with a touch 25 such information storage , transmission or display devices .
`sensor of a device , according to an embodiment of the
`Encoding Via an Alternating Polarity of a Magnetic Field
`In one embodiment of the present disclosure , a smart
`present disclosure .
`FIG . 5 is an illustration of a device connected with a
`multi - function electronic device comprises a dynamic mag
`computing system and operating according to an embodi-
`netic region ( strip ) incorporating a main inductor assembly
`30 from which programmed magnetic field data symbols are
`ment of the present disclosure .
`FIG . 6 is an illustration of two devices performing a
`dynamically generated . In one embodiment the inductor
`transaction according to an embodiment of the present
`assembly may be a planar coil formed within the material
`that embodies the multi - function electronic device . An
`disclosure .
`FIG . 7 depicts an exemplary process according to an
`advantage of using a planar coil is that it can dynamically
`35 produce a magnetic field in such a manner as to emulate the
`embodiment of the present disclosure .
`interaction between a traditional magnetic strip and a con
`ventional card reader . As the magnetic strip of a conven
`DETAILED DESCRIPTION OF THE
`tional card is passed through a magnetic reader head , stripes
`INVENTION
`of alternating magnetic polarity embedded in the strip
`Reference will now be made in detail to the various 40 induce a magnetic field of alternating polarity at the reader
`head . The pattern formed by the alternating polarity of the
`embodiments of the present disclosure , examples of which
`are illustrated in the accompanying drawings . While
`magnetic field encodes information , which when trans
`described in conjunction with these embodiments , it will be
`formed by a transducer to a current signal in the magnetic
`understood that they are not intended to limit the disclosure
`reader head , provides user information for a transaction .
`to these embodiments . On the contrary , the disclosure is 45
`Embodiments of the present disclosure provide a multi
`intended to cover alternatives , modifications and equiva-
`function electronic device able to generate a programmed
`lents , which may be included within the spirit and scope of
`magnetic field , wherein data is encoded and represented by
`the disclosure as defined by the appended claims . Further-
`an alternating polarity of the generated magnetic field . In a
`more , in the following detailed description of the present
`similar manner to a conventional plastic card , the magnetic
`disclosure , numerous specific details are set forth in order to 50 field produced by the planar coil is able to be read by a
`provide a thorough understanding of the present disclosure .
`pickup ( or “ transducer ” ) and to thereby transmit information
`However , it will be understood that the present disclosure
`to the magnetic card reader . FIG . 1 illustrates a payment
`may be practiced without these specific details . In other
`transaction 100 performed between a multi - function elec
`instances , well - known methods , procedures , components ,
`tronic device 101 and a conventional magnetic reader 150 .
`and circuits have not been described in detail so as not to 55 The multi - function electronic device 101 generates a mag
`unnecessarily obscure aspects of the present disclosure .
`netic field of alternating polarity 120 to be read by the
`Some portions of the detailed descriptions which follow
`conventional magnetic card reader 150 , according to an
`are presented in terms of procedures , steps , logic blocks ,
`embodiment of the present disclosure . The multi - function
`processing , and other symbolic representations of operations
`electronic device 101 is moved at a rate 130 relative to a
`on data bits that can be performed on computer memory . 60 magnetic reader head 155 of conventional magnetic card
`These descriptions and representations are the means used
`reader 150. The magnetic field 120 extends with sufficient
`by those skilled in the data processing arts to most effec-
`distance and intensity from 101 so as to be read by magnetic
`tively convey the substance of their work to others skilled in
`head reader 155. The magnetic head reader 155 responds to
`the art . A procedure , computer generated step , logic block ,
`the magnetic field 120 by producing a current in the con
`process , etc. , is here , and generally , conceived to be a 65 ventional fashion , which is then interpreted as encoded
`self - consistent sequence of steps or instructions leading to a
`information by the magnetic reader 150. Therefore the
`desired result . The steps are those requiring physical
`magnetic field of alternating polarity 120 produced by the
`
`Case 7:24-cv-00279-ADA Document 1-4 Filed 11/04/24 Page 12 of 24
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`

`

`US 11,176,538 B2
`
`2
`
`5
`6
`to read conventional cards , are constructed to read data at
`multi - function electronic device 101 has a substantially
`specified input rates that correspond with the data density
`identical encoding effect as a traditional magnetic strip .
`present in conventional magnetic card strips . The magnetic
`A characteristic of encoding information in a conventional
`data symbols generated by the planar coil 220 are produced
`magnetic card strip is that binary information is encoded by
`the pattern of alternating magnetic polarity formed by fer- 5 to align with the rate at which data is being read by the
`romagnetic stripes embedded on the magnetic strip . As the
`magnetic card reader . Accordingly , it is irrelevant if the
`conventional magnetic card strip has a standardized format ,
`multi - function electronic device 201? of the present disclo
`the encoding of information is provided at a specified data
`sure is being swiped quickly or slowly , the planar coil 220
`density ( bits per inch ) , according to which conventional
`is controlled by the processor unit 205 to produce data at a
`magnetic readers are designed for interpretation of encoded 10 substantially optimized rate , where the rate of data produc
`data . In order to most ably emulate a conventional card
`tion is dependent on the rate at which the multi - function
`interaction with a conventional magnetic reader the multi-
`electronic device 201? is detected to be passing across the
`function electronic device 101 of the present disclosure is
`magnetic reader head .
`provided with a means of determining a substantially opti-
`FIG . 2B depicts a multi - function electronic device 2016
`mal rate for alternating the polarity of the generated mag- 15 according to an embodiment of the present disclosure .
`netic field 120 in order to produce data at a rate which is able
`Device 2016 comprises a processor 205 and a memory unit
`to be readily received and correctly interpreted by the
`207 , the processor 205 operatively coupled to the compo
`conventional magnetic reader 150. Embodiments of the
`nents of multi - function electronic device 2016. The memory
`present disclosure provide several means of determining the
`207 comprises a plurality of accounts 209 , which may be
`relative movement rate 130 between the multi - function 20 credit card accounts , banking accounts , merchant accounts ,
`electronic device 101 and the magnetic reader head 155 .
`online accounts , cryptocurrency accounts , and combinations
`These features , as well as other characteristics of the multi-
`thereof . A motion detection module 210 is coupled to the
`function electronic device of the present disclosure , can be
`processor unit 205 and to a set of motion detection units ,
`better appreciated by a description of the internal compo-
`which comprise a rate detection assembly 225 , an optical
`nents and functions of multi - function electronic device 101. 25 sensor array 230 , and a set of accelerometers 235. Addition
`FIGS . 2A and 2B depict exemplary embodiments of a
`ally , a galvanic sensor 275 is coupled to processor unit 205 .
`smart multi - function electronic device , in a block diagram
`The magnetic field is generated via a planar coil 220 , which
`view . The components of the block diagram are illustrated
`is controlled by the processor unit 205 via a coil interface
`according to functional connections , and their locations
`215. The rate at which the magnetic field changes polarity to
`should not be construed as being limited to the respective 30 encode the user data depends on the rate of relative move
`locations as depicted in FIGS . 2A - 2B . In FIG . 2A , multi-
`ment detected by the rate detector . The multi - function elec
`function electronic device 201? is shown in a block diagram
`tronic device 2016 further comprises a real - time clock 240 ,
`a
`view . Multi - function electronic device 201a comprises a
`a touch - sensor array 245 , and a display 250 , each opera
`processor 205 and a memory unit 207 , the processor 205
`tively coupled to the processor unit 205. A user input may be
`operatively coupled to the components of multi - function 35 made via the touch sensor array 245 , which may comprise
`electronic device 201a . The memory 207 comprises a plu-
`a touch screen panel , a keypad , or a combination thereof .
`rality of accounts 209 , which may be credit card accounts ,
`The display 250 is able to display an alphanumeric
`banking accounts , merchant accounts , online accounts , cryp-
`sequence , as well as graphical icons ( such as a logo for a
`tocurrency accounts , and combinations thereof . A motion
`bank , or other images ) . Further , an optional backup power
`detection module 210 is coupled to the processor unit 205 40 source 255 is depicted . Multi - function electronic device
`and to a set of motion detection units , which comprise a rate
`2016 further comprises a near - field communication ( NFC )
`detection assembly 225 , an optical sensor array 230 , and a
`unit 260 , as well as a radio frequency identification ( RFID )
`set of accelerometers 235. The magnetic field is generated
`unit 265 , both of which are operatively coupled to the
`via a planar coil 220 , which is controlled by the processor
`processor unit 205. In one embodiment the NFC and RFID
`unit 205 via a coil interface 215. The rate at which the 45 may share the planar coil for use as a radio frequency
`magnetic field changes polarity to encode the user data
`antenna , through the coil interface 215. In one embodiment
`depends on the rate of relative movement detected by the
`one or both the NFC and the RFID may have antennae
`rate detector . The multi - function electronic device 201a
`dedicated to that individual sub - system . A universal serial
`further comprises a real - time clock 240 , a touch - sensor array
`bus ( USB ) connector 270 is coupled to the processor unit
`245 , and a display 250 , each operatively coupled to the 50 205. The functionality of the components with regard to
`processor unit 205. A user input may be made via the touch
`exemplary uses of multi - function electronic devices 201a
`sensor array 245 , which may comprise a touch screen panel ,
`and 2016 is described in greater detail in the following
`a keypad , or a combination thereof . The display 250 is able
`description .
`to display an alphanumeric sequence , as well as graphical
`A further aspect of the present disclosure provides a single
`icons ( such as a logo for a bank , or other images ) . Further , 55 multi - function electronic device that can be used for mul
`an optional backup power source 255 is depicted .
`tiple banks or financial institutions . For example , instead of
`In one embodiment , the processor unit 205 is connected
`carrying a separate payment card for each account of a
`to the planar coil 220 and the motion detection units , via the
`variety of payment card companies , a customer need only to
`motion detection module 210. The processor unit 205 is
`carry a single device according to embodiments of the
`responsible for determining the appropriate rate with which 60 present disclosure . The capability of the multi - function
`to output data from the planar coil 220 , wherein output data
`electronic device to generate a multitude of payment num
`is encoded using alternating polarity of a generated magnetic
`bers provides the ability of the multi - function electronic
`field . The rate of the alternating polarity of the magnetic field
`device to be associated with multiple accounts . Furthermore ,
`is generated in accordance with the detected movement
`inputs at the touch sensor array on the multi - function
`speed with which the card is swiped through the reader , in 65 electronic device can be used to select the appropriate bank
`order for the reader to receive the encoded data at the
`or credit provider account stored in the memory unit of the
`appropriate rate . Magnetic card readers , which are designed
`multi - function electronic device .
`
`Case 7:24-cv-00279-ADA Document 1-4 Filed 11/04/24 Page 13 of 24
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`US 11,176,538 B2
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`By tracking over time the position of this minimum received
`FIG . 2C depicts a process of selecting an account from a
`light along the optical sensor array , a detected movement
`plurality of stored accounts in order to perform a transaction
`rate may be found .
`with the selected account , according to an embodiment of
`The set of accelerometers 235 are also operable to detect
`the present disclosure . The process 280 begins at step 282 ,
`where a plurality of accounts stored by the multi - function 5 a movement rate of the multi - function electronic device
`electronic device memory is displayed . The plurality of
`201a . The set of accelerometers 235 are positioned in the
`accounts 209 are stored by memory 207 , and are displayed
`multi - function electronic device 201a in order to effectively
`using display 250. A user indicates an account selected from
`measure the position and acceleration of the multi - function
`the plurality of accounts at step 284. The selection is able to
`electronic device 201a . In an embodiment , the set of accel
`be made by keypad or touch sensor array 245 , and an 10 erometers comprises groups of accelerometers , each group
`indication of the selected account can be displayed via
`having one or more accelerometers disposed at orthogonal
`display 250. At step 286 the multi - function electronic device
`planes to each other , and each group capable of generating
`is configured according to account information associated
`signals that allow for determination of the orientation ,
`with the selected account , which may include an account
`motion and acceleration of the multi - function electronic
`number , an expiration date , and other user information 15 device 201a .
`associated with the account ( e.g. a username , PIN , pass-
`The detected movement signal is received by the motion
`word , email address , etc. ) . At step 288 the planar coil of the
`detection module 210. The detected movement signal is
`multi - function electronic device is encoded with a limited-
`generated by any one of the set of motion detection units , or
`duration payment number that is associated with the selected
`any combination of motion detection units of the set . For
`account . The limited - duration payment number is able to be 20 example , the movement detection signal is able to be gen
`generate