Dynamic transaction card antenna mounting

Patent metadata

Field	Value
Publication number	US-10474941-B2
Application number	US-201615394906-A
Country	US
Kind code	B2
Filing date	Dec 30, 2016
Priority date	Apr 14, 2015
Publication date	Nov 12, 2019
Grant date	Nov 12, 2019

Abstract

A dynamic transaction card that includes a transaction card having a number of layers, each of which may be interconnected to one another. For example, a dynamic transaction card may include an outer protective layer, a core layer, a potting layer, a touch sensor layer, a display layer (including, for example, LEDs, a dot matrix display, and the like), a microcontroller storing firmware, Java applets, Java applet integration, and the like, an EMV™ chip, an energy storage component, one or more antennas (e.g., Bluetooth™ antenna, NFC antenna, and the like), a power management component, a flexible printed circuit board (PCB), a chassis, and/or a card backing layer, which may include a back protective layer. The antennas may be mounted on the protective layers, which may be laminated to the core layer, and connected to the core layer onto a printed circuit board (PCB) using conductive epoxies.

First claim

The invention claimed is:

1. A dynamic transaction card comprising:
an outer protective layer having an outer edge, an outer surface, and an inner surface;
a core layer containing components of the dynamic transaction card;
a card backing having an outer edge, an outer surface, and an inner surface, wherein the card backing and the outer protective layer are connected to one another along their respective outer edges and the core layer is disposed between their respective inner surfaces;
a protective film layer covering the outer surface of the outer protective layer; and
a first antenna comprising conductive ink and printed on the protective film layer, the conductive ink forming graphics visible on an exterior face of the protective film layer;
wherein the components of the dynamic transaction card include:
a solar panel to provide energy for the dynamic transaction card;
an energy storage component to store the energy from the solar panel and for the dynamic transaction card; and
a printed circuit board (PCB) to provide integration between the components of the dynamic transaction card via a conductive path.

2. The dynamic transaction card of claim 1 , wherein the first antenna comprises a Near-Field Communication (NFC) antenna, a Bluetooth™ antenna, a Bluetooth™ Low Energy (BLE) antenna, a WiFi Direct antenna, and/or a radio-frequency identification (RFID) antenna.

3. The dynamic transaction card of claim 1 , wherein the outer protective layer is constructed out of a plastic material.

4. The dynamic transaction card of claim 1 , wherein the outer protective layer is constructed out of a scratch-proof material comprising a UV curable chemical coating, a mineral glass, a sapphire glass, thin film alloys, ITO, ZnO, polyvinyl chloride (PVC), polyethylene terephthalate (PET), BoPET, polyester film or plastic sheet, polyvinylidene fluoride, polyvinylidene difluoride, polycarbonate (PC), and/or polyethylene terephthalate glycol-modified (PET-G).

5. The dynamic transaction card of claim 1 , wherein the protective film layer is constructed out of a scratch-resistant and/or scratch-proof material comprising polyvinyl chloride (PVC), polylactic acid (PLA), acrylonitrile butadiene styrene (ABS), polyethylene terephthalate (PET), polyethylene terephthalate glycol-modified (PET-G), polyester film or plastic sheet, polycarbonate (PC), and/or a clear epoxy.

6. The dynamic transaction card of claim 1 , wherein the conductive path comprises conductive epoxies.

7. The dynamic transaction card of claim 1 , wherein the core layer and the outer protective layer are laminated together using a photocurable adhesive.

8. The dynamic transaction card of claim 7 , wherein the photocurable adhesive includes a conductive epoxy and/or a dielectric material.

9. The dynamic transaction card of claim 1 , further comprising:
a second antenna comprising conductive ink and printed on the card backing, the conductive ink forming graphics on the outer surface of the card backing.

10. The dynamic transaction card of claim 9 ,
wherein the first antenna is responsive to a first base frequency,
wherein the second antenna is responsive to a second base frequency, and
wherein the first base frequency and the second base frequency are different frequencies.

11. The dynamic transaction card of claim 10 , wherein at least one of the first base frequency or the second base frequency is approximately 2.5 GHz.

12. A process for manufacturing a dynamic transaction card with an antenna printed on an outer protective layer, the process comprising:
laminating an outer protective layer to a core layer, the outer protective layer having an inner surface proximate the core layer and an outer surface, the outer surface comprising a solar panel;
printing a first antenna onto a protective film layer with conductive ink, the antenna forming graphics on the protective film layer;
depositing the protective film layer onto the outer surface of the outer protective layer; and
connecting the first antenna and the solar panel to the core layer using a conductive path,
wherein the first antenna is visible on an exterior face of the protective film layer.

13. The process for manufacturing a dynamic transaction card with an antenna printed on an outer protective layer of claim 12 , wherein the first antenna comprises a Near-Field Communication (NFC) antenna, a Bluetooth™ antenna, a Bluetooth™ Low Energy (BLE) antenna, a WiFi Direct antenna, and/or a radio-frequency identification (RFID) antenna.

14. The process for manufacturing a dynamic transaction card with an antenna printed on an outer protective layer of claim 12 , wherein the outer protective layer is constructed out of a scratch-proof material comprising a UV curable chemical coating, a mineral glass, a sapphire glass, thin film alloys, ITO, ZnO, polyvinyl chloride (PVC), polyethylene terephthalate (PET), BoPET, polyester film or plastic sheet, polyvinylidene fluoride, polyvinylidene difluoride, polycarbonate (PC), and/or polyethylene terephthalate glycol-modified (PET-G).

15. The process for manufacturing a dynamic transaction card with an antenna printed on an outer protective layer of claim 12 , wherein the protective film layer is constructed out of a scratch-resistant and/or scratch-proof material comprising polyvinyl chloride (PVC), polylactic acid (PLA), acrylonitrile butadiene styrene (ABS), polyethylene terephthalate (PET), polyethylene terephthalate glycol-modified (PET-G), polyester film or plastic sheet, polycarbonate (PC), and/or a clear epoxy.

16. The process for manufacturing a dynamic transaction card with an antenna printed on an outer protective layer of claim 12 , wherein the conductive path comprises conductive epoxies.

17. The process for manufacturing a dynamic transaction card with an antenna printed on an outer protective layer of claim 12 , wherein the outer protective layer is laminated to the core layer using a photocurable adhesive.

18. The process for manufacturing a dynamic transaction card with an antenna printed on an outer protective layer of claim 17 , wherein the photocurable adhesive includes a conductive epoxy and/or a dielectric material.

19. The process for manufacturing a dynamic transaction card with an antenna printed on an outer protective layer of claim 12 , further comprising:
printing a second antenna on an outer surface of a back outer protective layer.

20. The process for manufacturing a dynamic transaction card with an antenna printed on an outer protective layer of claim 19 ,
wherein the first antenna is responsive to a first base frequency,
wherein the second antenna is responsive to a second base frequency, and
wherein the first base frequency and the second base frequency are different frequencies.

Assignees

• Capital One Services Llc

Inventors

• Wurmfeld David
• LOCKE Tyler
• Markson Theodore
• Koeppel Adam

Classifications

• G06K19/07707

  the visual interface being a display, e.g. LCD or electronic ink · CPC title

• G06Q20/354

  Card activation or deactivation · CPC title

• G06Q20/3552

  Downloading or loading of personalisation data · CPC title

• G06Q20/341

  Active cards, i.e. cards including their own processing means, e.g. including an IC or chip · CPC title

• G06Q20/405

  Establishing or using transaction specific rules · CPC title