Credit card with chromogenic features

Patent metadata

Field	Value
Publication number	US-10824929-B2
Application number	US-201916537893-A
Country	US
Kind code	B2
Filing date	Aug 12, 2019
Priority date	Jul 10, 2018
Publication date	Nov 3, 2020
Grant date	Nov 3, 2020

Abstract

A credit card with an obscurable account identifier. The credit card further comprises a substrate defining a first surface with a chromogenic feature wherein the chromogenic feature is capable of changing from a first state and a second state based on an activating trigger. In the first state, the chromogenic feature appears with a first optical property that obscures the account identifier, and in the second state, the chromogenic feature appears with a second optical property that reveals the account identifier.

First claim

What is claimed is:

1. A transaction card comprising:
a first substrate comprising a chromogenic material with a first surface and a second surface parallel to the first surface;
a film covered on the first surface with a first optical property; and
an account identifier printed on the second surface with the first optical property;
wherein:
the chromogenic material is changeable from a first state to a second state based on an activating trigger,
in the first state, the chromogenic material exhibits the first optical property that obscures the account identifier, and
in the second state, the chromogenic material exhibits a second optical property that reveals the account identifier.

2. The transaction card of claim 1 , wherein the chromogenic material comprises at least one of thermochromic properties or photochromic properties.

3. The transaction card of claim 2 , wherein the trigger is exposure to human body heat.

4. The transaction card of claim 2 , wherein the trigger is exposure to sunlight.

5. The transaction card of claim 2 , wherein the trigger is exposure to light having a wavelength between about 0.29 μm and about 3.2 μm.

6. The transaction card of claim 2 , wherein the chromogenic material is changeable from the second state to the first state after removal of the trigger.

7. The transaction card of claim 2 , wherein the first optical property does not absorb visible light and the second optical property absorbs visible light.

8. The transaction card of claim 2 , wherein the first optical property absorbs visible light and the second optical property does not absorb visible light.

9. The transaction card of claim 2 , wherein the first optical property reflects visible light and the second optical property does not reflect visible light.

10. A method of providing a transaction card, the method comprising:
covering at least a portion of a first surface of a substrate with a film having a first optical property;
printing an account identifier, with an ink having the first optical property, on a portion of a second surface parallel to the first surface of the substrate; and
where the substrate comprises a chromogenic material wherein:
the chromogenic material is changeable from a first state to a second state based on an activating trigger,
in the first state, the chromogenic material exhibits the first optical property that obscures the account identifier, and
in the second state, the chromogenic material exhibits a second optical property that reveals the account identifier.

11. The method of claim 10 , wherein the chromogenic material comprises at least one of thermochromic properties or photochromic properties.

12. The method of claim 11 , wherein the trigger is exposure to human body heat.

13. The method of claim 11 , wherein the trigger is exposure to sunlight.

14. The method of claim 11 , wherein the trigger is exposure to light having a wavelength between about 0.29 μm and about 3.2 μm.

15. The method of claim 11 , wherein the chromogenic material is changeable from the second state to the first state after removal of the trigger.

16. The method of claim 11 , wherein the first optical property does not absorb visible light and the second optical property absorbs visible light.

17. The method of claim 11 , wherein the first optical property absorbs visible light and the second optical property does not absorb visible light.

18. The method of claim 11 , wherein the first optical property reflects visible light and the second optical property does not reflect visible light.

19. The method of claim 11 , wherein the chromogenic material is cured under ultraviolet light.

Assignees

• Capital One Services Llc

Inventors

• Mossoba Michael
• Benkreira Abdelkader
• Edwards Joshua

Classifications

• G07F7/086

  by passive credit-cards adapted therefor, e.g. constructive particularities to avoid counterfeiting, e.g. by inclusion of a physical or chemical security-layer (for security documents G07D7/00; for the reading of record-carriers in general G06K7/00; for the design of coded credit-cards G06K19/10) · CPC title

• B42D25/42

  by photographic processes · CPC title

• G06Q20/382 Primary

  insuring higher security of transaction · CPC title

• G06K19/0614

  the marking being selective to wavelength, e.g. color barcode or barcodes only visible under UV or IR (methods or arrangements for sensing record carriers using a selected wavelength, see G06K7/12) · CPC title

• G06K19/0772

  Physical layout of the record carrier · CPC title