Granted Patent B2

US 8,567,684 · App. 12/693,170 · Granted Oct 29, 2013

Abstract

Claims (33)

1. A payment device, comprising:

a front cover;

a back cover;

at least one insert disposed between the front cover and the back cover, wherein the front cover, the back cover, and the at least one insert are hinged together along a respective common edge, wherein the at least one insert comprises a photo sleeve;

at least one payment mechanism integrated into one of the front cover, the back cover, or the at least one insert, wherein the integrated at least one payment mechanism and a corresponding portion of the front cover, the back cover, or the at least one insert is detachable via at least one perforation adjacent to the common edge;

a temporary attachment between two or more of the front cover, the back cover, or the at least one insert, wherein the temporary attachment is not along the respective common edge; and

at least one audio device, integrated into one of the front cover, the back cover, or the at least one insert disposed between the front cover and the back cover, wherein the at least one audio device comprises a speaker, a microphone, and at least one memory for storing an audio message.

2. The payment device of claim 1 , wherein the at least one payment mechanism comprises at least one of a magnetic stripe payment mechanism or a contactless payment mechanism.

3. The payment device of claim 1 , wherein the at least one payment mechanism is incorporated into the back cover.

4. The payment device of claim 1 , wherein the at least one insert comprises a plurality of inserts.

5. The payment device of claim 1 , wherein the front cover, the back cover, and the at least one insert are hinged together utilizing one of an adhesive, a radio frequency sealing technique, a hypersonic sealing technique, an ultrasonic sealing technique, or a binding technique.

6. The payment device of claim 1 , wherein the front cover, the back cover, and the at least one insert are attached together along a plurality of respective common edges.

7. The payment device of claim 1 , wherein at least one of the front cover, the back cover, and the at least one insert is comprised of vinyl or polyvinyl chloride.

8. The payment device of claim 1 , wherein the front cover comprises one of an opening or a window.

9. The method of claim 1 , wherein providing a front cover comprises providing a front cover that includes one of an opening or a window.

10. A method for forming a payment device, the method comprising:

providing a front cover, a back cover, and at least one insert, wherein the at least one insert comprises a photo sleeve;

integrating at least one payment mechanism into one of the front cover, the back cover, or the at least one insert, wherein the integrated at least one payment mechanism and a corresponding portion of the front cover, the back cover, or the at least one insert is detachable via at least one perforation;

hinging the front cover, the back cover, and the at least one insert together along a respective common edge, wherein the integrated at least one payment mechanism and a corresponding portion of the front cover, the back cover, or the at least one insert is detachable adjacent to the common edge;

providing a temporary attachment between two or more of the front cover, the back cover, or the at least one insert, wherein the temporary attachment is not along the respective common edge; and

integrating at least one audio device into one of the front cover, back cover, or the at least one insert, wherein the at least one audio device comprises a speaker, a microphone, and at least one memory for storing an audio message.

11. The method of claim 10 , wherein integrating at least one payment mechanism comprises integrating at least one of a magnetic stripe payment mechanism or a contactless payment mechanism.

12. The method of claim 10 , wherein integrating at least one payment mechanism comprises integrating at least one payment mechanism into the back cover.

13. The method of claim 10 , further comprising:

personalizing the at least one payment mechanism.

14. The method of claim 10 , wherein providing at least one insert comprises providing a plurality of inserts.

15. The method of claim 10 , wherein hinging the front cover, the back cover, and the at least one insert comprises hinging the front cover, the back cover, and the at least one insert utilizing one of an adhesive, a radio frequency sealing technique, a hypersonic sealing technique, an ultrasonic sealing technique, or a binding technique.

16. The method of claim 10 , wherein hinging the front cover, the back cover, and the at least one insert comprises hinging the front cover, the back cover, and the at least one insert along a plurality of respective common edges.

17. A payment device, comprising:

a booklet comprising a front cover, a back cover, and one or more inserts disposed between the front cover and the back cover, wherein the one or more inserts comprise a photo sleeve;

at least one payment mechanism integrated into the booklet, the at least one payment mechanism comprising a magnetic stripe payment mechanism, the at least one payment mechanism detachable from the booklet via at least one perforation in at least one cover or insert of the booklet;

a temporary attachment between two or more of the front cover, the back cover, or the one or more inserts; and

at least one audio device, integrated into the booklet, wherein the at least one audio device comprises a speaker, a microphone, and at least one memory for storing an audio message.

Assignments (7)