IP Library Granted Patent US 10,089,571
Granted Patent B2
US 10,089,571 · App. 15/875,213 · Granted Oct 2, 2018

Two-piece transaction card construction

Inventors: Matthew Stern (San Francisco, CA); Makiko Taniguchi (San Francisco, CA); Dan Makoski (Palo Alto, CA); Lin Yang (San Francisco, CA); Carl Cepress (Mountain View, CA); Austin Anderson (San Francisco, CA); Jason Deperro (San Mateo, CA); Elwin Ong (San Francisco, CA)
Assignee: Capital One Services, LLC
G06K19/07722G06K19/07724
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Quick Facts
Patent No.
US 10,089,571
App. No.
15/875,213
Granted
Oct 2, 2018
Kind
B2
Abstract

The disclosed embodiments generally relate to transaction card constructions, and particularly, to a two-piece transaction card construction. Disclosed embodiments include a generally planar first card component including a first surface and a generally planar second card component including a second surface wherein the first card component is separate from the second card component. In disclosed embodiments, for example, the generally planar first card component and the generally planar second card component may be configured such that one forms a cavity and the other forms an inlay component configured to be seated within the cavity. In other embodiments the generally planar first card component and the generally planar second card component may be configured such that one forms a container and the other forms a lid configured to close the container.

Claims (41)

1. A transaction card, comprising:

a card frame, including:

a first card component comprising a first card surface;

a second card component comprising a second card surface and a third card surface opposite the second card surface, and a cavity formed in the second card surface; and

a transaction component disposed between the first card component and the second card component,

wherein the first card component is separate from the second card component, and wherein the first card component is at least partially insertable into the cavity,

wherein a thickness of the first card component is greater than a depth of the cavity such that, when the first card component is in the cavity, a top surface of the first card component extends above a top surface of the second card component, and

wherein a gap is formed around a perimeter of the first card component between a side surface of the first card component and an inner side surface of the cavity.

2. The transaction card of claim 1 , wherein the transaction component further comprises a plurality of openings and the second card component comprises a plurality of posts configured to be placed through the plurality of openings.

3. The transaction card of claim 1 , wherein:

the first card component further comprises a first wall having the first card surface and a fourth card surface; and

the second card component further comprises a second wall having the second surface and a fifth card surface, and a projecting wall extending from the second wall and defining the cavity.

4. The transaction card of claim 3 , wherein the transaction component is embedded in an adhesive layer attaching the fourth card surface to the fifth card surface.

5. The transaction card of claim 4 , wherein a thickness of the adhesive layer is about 0.30 mm.

6. The transaction card of claim 3 , wherein an inner side of the projecting wall slopes away from the side surface of the first card component at an angle of approximately 10 degrees, the side surface being generally perpendicular to the first card surface.

7. The transaction card of claim 1 , wherein the first card component further comprises a lip defining a support surface.

8. The transaction card of claim 1 , wherein the first card component is manufactured from a first material and the second card component is manufactured from a second material, the first material being different than the second material.

9. The transaction card of claim 8 , wherein the first material and the second material are selected from plastic, metal, wood, sapphire crystal, natural fiber composite, leather, ceramic, or slate.

10. The transaction card of claim 1 , wherein the transaction card comprises at least one of a triangular card, a card with rounded edges, or a card with scalloped edges.

11. The transaction card of claim 1 , wherein the transaction component further comprises at least one of an NFC antenna or an EMV chip.

12. The transaction card of claim 1 , wherein the first card component further comprises a window configured to allow at least a portion of the transaction component to project therethrough.

13. A method of manufacturing a transaction card, comprising:

forming a first card component from a first material, the first card component comprising a first card surface;

forming a second card component from a second material, the second card component comprising a second card surface and a third card surface opposite the second card surface;

forming a cavity in the second card surface;

disposing a transaction component between the first card component and the second card component; and

inserting the first card component into the cavity and removably attaching the first card component to the second card component,

wherein a thickness of the first card component is greater than a depth of the cavity such that, when the first card component is inserted into the cavity, a top surface of the first card component extends above the second card surface of the second card component, and

wherein a gap is formed around a perimeter of the first card component between a side surface of the first card component and an inner side surface of the cavity.

14. The method of claim 13 , further comprising:

forming a plurality of openings on the transaction component; and

forming a plurality of posts on the second card component,

wherein the plurality of posts are configured to be placed through the plurality of openings.

15. The method of claim 13 , wherein:

the first card component further comprises a first wall having the first card surface and a fourth card surface; and

the second card component further comprises a second wall having the second card surface and a fifth card surface, and a projecting wall extending from the second wall and defining the cavity.

16. The method of claim 15 , wherein an inner side of the projecting wall slopes away from the side surface of the first card component at an angle of approximately 10 degrees, the side surface being generally perpendicular to the first surface.

17. The method of claim 13 , further comprising forming a lip on the first card component, the lip defining a support surface.

18. The method of claim 13 , further comprising forming a plurality of windows on the first card component, the windows configured to allow electronic components of the transaction component to project therethrough.

19. The method of claim 18 , wherein the electronic components comprise at least one of an NFC antenna or an EMV chip.

20. The method of claim 13 , wherein the first material and the second material are selected from wood, sapphire crystal, natural fiber composite, ceramic, or slate.

Assignments (3)
CORRECTIVE ASSIGNMENT TO CORRECT THE RECEIVING PARTY DATA PREVIOUSLY RECORDED AT REEL: 045391 FRAME: 0130. ASSIGNOR(S) HEREBY CONFIRMS THE ASSIGNMENT. Recorded Oct 4, 2019
From: STERN, MATTHEW; TANIGUCHI, MAKIKO; MAKOSKI, DAN; YANG, LIN; CEPRESS, CARL; ANDERSON, AUSTIN; DEPERRO, JASON; ONG, ELWIN CHING YEE
To: CAPITAL ONE SERVICES, LLC
Reel/Frame 050634/0533 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jun 20, 2019
From: CAPITAL ONE FINANCIAL CORPORATION
To: CAPITAL ONE SERVICES, LLC
Reel/Frame 049531/0604 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Mar 29, 2018
From: STERN, MATTHEW; TANIGUCHI, MAKIKO; MAKOSKI, DAN; YANG, LIN; CEPRESS, CARL; ANDERSON, AUSTIN; DEPERRO, JASON; ONG, ELWIN CHING YEE
To: CAPITAL ONE SERVICES LLC
Reel/Frame 045391/0130 →
Continuity (4)
Continuation 15236305 · Aug 12, 2016
Provisional Application 62205396 · Aug 14, 2015
Provisional Application 62242039 · Oct 15, 2015
Related Publication 20180144229A1 · May 24, 2018