IP Library Granted Patent US 9,965,716
Granted Patent B2
US 9,965,716 · App. 15/236,305 · Granted May 8, 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 (Oakland, CA); Austin Anderson (San Francisco, CA); Jason Deperro (San Mateo, CA); Elwin Ong (Yuba City, CA)
Assignee: Capital One Services, LLC
G06K19/07722G06K19/07724
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Quick Facts
Patent No.
US 9,965,716
App. No.
15/236,305
Granted
May 8, 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 (49)

1. A transaction card, comprising:

a card frame, including:

a generally planar first card component including a first surface;

a generally planar second card component including a second surface and defining a cavity; and

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

wherein the transaction component comprises a plurality of openings and the second card component comprises a plurality of posts configured to be placed through the plurality of openings,

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

wherein, when the first card component is in the cavity, the first surface forms a first exterior surface and the second surface forms a second exterior surface, and

wherein the transaction card is defined by a thickness of less than approximately 2 mm.

2. The transaction card of claim 1 , wherein:

the first card component is an inlay component including a first wall having the first surface and a third surface, and

the second card component is a container component including:

a second wall having the second surface and a fourth surface; and

a projecting wall extending from the second wall and defining the cavity.

3. The transaction card of claim 2 , wherein the transaction component is embedded in an adhesive layer attaching the third surface to the fourth surface.

4. The transaction card of claim 2 , wherein the first card component is inserted into the cavity such that the first surface sits below a level of a top of the projecting wall.

5. The transaction card of claim 2 , wherein an inner side of the projecting wall slopes away from a side surface of the first card component at an angle of approximately 10 degrees, the side surface being generally perpendicular to the first surface.

6. The transaction card of claim 1 , wherein the first card component includes an opening for receiving at least a portion of a transaction component.

7. The transaction card of claim 1 , wherein the first card component is removable from attachment with the second card component.

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 1 , wherein the transaction card includes a finished shape that is at least one of triangular, rounded, or scalloped.

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

11. 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.

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

forming a generally planar first card component from a first material;

forming a generally planar second card component from a second material, the second card component including a cavity and a plurality of posts;

forming a transaction component between the first card component and the second card component, the transaction component including a plurality of openings; and

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

the first material being different than the second material,

the plurality of posts being placed through the plurality of openings, and

the transaction card being defined by a thickness of less than approximately 2 mm.

13. The method of claim 12 , wherein forming the generally planar second card component includes forming at least one tear away portion, the tear away portion completing a generally rectangular shape for the transaction card and being removable from the second card component such that the transaction card includes a finished shape that is not rectangular.

14. A transaction card, comprising:

a card frame, including:

a generally planar first card component defining a space;

a generally planar second card component, separate from the first card component and attachable thereto to at least partially enclose the space; and

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

wherein the transaction component comprises a plurality of openings and the second card component comprises a plurality of posts configured to be placed through the plurality of openings,

wherein the card frame is configured to hold at least one transaction component in the space, and

wherein the transaction card is defined by a thickness that is less than 0.10 inches.

15. The transaction card of claim 14 , wherein the first card component is removable from attachment with the second card component.

16. The transaction card of claim 14 , wherein the first card component comprises:

a first wall defining a first side of the transaction card; and

a projecting wall extending away from the first wall, and

wherein the first wall and the projecting wall at least partially define the space.

17. The transaction card of claim 16 , wherein the projecting wall defines at least a portion of the thickness of the transaction card.

18. The transaction card of claim 16 , wherein the first card component further comprises a lip defining a support surface.

19. The transaction card of claim 18 , wherein the second card component comprises a second wall defining a second side of the transaction card, the second wall contacting the support surface.

20. The transaction card of claim 19 , wherein the second card component further comprises an alignment wall extending away from the second wall at a distance spaced from an edge of the second wall, and wherein the alignment wall guides attachment of the second card component to the first card component.

Assignments (4)
CORRECTIVE ASSIGNMENT TO CORRECT THE RECEIVING PARTY DATA TO READ CAPITAL ONE SERVICES, LLC PREVIOUSLY RECORDED ON REEL 045389 FRAME 0901. ASSIGNOR(S) HEREBY CONFIRMS THE ASSIGNMENT. Recorded Oct 25, 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 050831/0545 →
CORRECTIVE ASSIGNMENT TO CORRECT THE RECEIVING PARTY DATA TO READ "CAPITAL ONE SERVICES, LLC" PREVIOUSLY RECORDED ON REEL 045389 FRAME 0901. 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 050633/0154 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jun 20, 2019
From: CAPITAL ONE FINANCIAL CORPORATION
To: CAPITAL ONE SERVICES, LLC
Reel/Frame 049531/0554 →
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 045389/0901 →
Continuity (3)
Provisional Application 62205396 · Aug 14, 2015
Provisional Application 62242039 · Oct 15, 2015
Related Publication 20170046611A1 · Feb 16, 2017