Transaction card including tear element

Patent metadata

Field	Value
Publication number	US-11062191-B1
Application number	US-202016880418-A
Country	US
Kind code	B1
Filing date	May 21, 2020
Priority date	May 21, 2020
Publication date	Jul 13, 2021
Grant date	Jul 13, 2021

Abstract

Provided are approaches for removing an identification chip of a transaction card using a tear element. In some approaches, the transaction card may include a body, the identification chip coupled to the body, and the tear element disposed between the identification chip and the body. The tear element is operable to decouple the identification chip from the body when the tear element is pulled or otherwise moved away from the body.

First claim

What is claimed is:

1. A transaction card, comprising:
a body having a perimeter defined by a first end opposite a second end, and a first side opposite a second side;
an exterior layer over the body, the exterior layer extending between the first end, the second end, the first side, and the second side;
an identification chip coupled to the body; and
a tear element disposed between the identification chip and the body, wherein the exterior layer is disposed over the tear element, and wherein the tear element is operable to decouple the identification chip from the body when the tear element is moved away from the body.

2. The transaction card of claim 1 , wherein the exterior layer is disposed over an interior structure of the body, and wherein the tear element is disposed between the exterior layer and the interior structure.

3. The transaction card of claim 2 , wherein the exterior layer comprises a notch or a set of perforations aligned over the tear element.

4. The transaction card of claim 1 , the body comprising a first main side connected to a second main side by a side surface, wherein the identification chip is coupled to the first main side of the body, and wherein a magnetic stripe is disposed along the second main side.

5. The transaction card of claim 4 , wherein the tear element extends along the first main side.

6. The transaction card of claim 4 , wherein the tear element extends along the first main side, the side surface, and the second main side.

7. The transaction card of claim 1 , the body further comprising a removable component coupled to the body, the removable component coupled to the tear element.

8. The transaction card of claim 7 , wherein the removable component is a tab of the body or an adhesive cover coupled to the body.

9. The transaction card of claim 7 , wherein the removable component is further coupled to a free end of the tear element.

10. A transaction card, comprising:
a body including a first main side opposite a second main side, wherein the body has a perimeter defined by a first end opposite a second end, and a first side opposite a second side;
an exterior layer over the body, the exterior layer extending between the first end, the second end, the first side, and the second side;
an identification chip coupled to the first main side of the body; and
a tear strip sandwiched between the identification chip and the first main side of the body, wherein the exterior layer is disposed over the tear strip, and wherein the tear strip is operable to decouple the identification chip from the body when the tear strip is moved away from the body.

11. The transaction card of claim 10 , wherein the exterior layer is disposed over an interior structure, and wherein the tear strip is disposed between the exterior layer and the interior structure.

12. The transaction card of claim 11 , wherein the exterior layer comprises a notch or a set of perforations aligned over the tear strip.

13. The transaction card of claim 10 , further comprising a side surface connecting the first main side and the second main side, wherein the identification chip is positioned within a recess of the first main side of the body, and wherein a magnetic stripe is disposed along the second main side.

14. The transaction card of claim 13 , wherein the tear strip extends within the recess, beneath the identification chip.

15. The transaction card of claim 13 , wherein the tear strip extends along the first main side, the side surface, and the second main side.

16. The transaction card of claim 10 , further comprising a removable component coupled to the body, the removable component coupled to a free end of the tear strip.

17. A method, comprising:
providing a body of a transaction card, the body including a first main side opposite a second main side, wherein the body has a perimeter defined by a first end opposite a second end, and a first side opposite a second side;
providing an exterior layer over the body, the exterior layer extending between the first end, the second end, the first side, and the second side;
forming a tear element along the first main side of the body; and
coupling an identification chip to the first main side of the body, wherein the exterior layer is disposed over the tear element, and wherein the tear element is sandwiched between the identification chip and the first main side of the body.

18. The method of claim 17 , further comprising forming the exterior layer over an interior structure of the body, wherein the tear element is disposed between the exterior layer and the interior structure of the body.

19. The method of claim 17 , further comprising connecting the tear element to a removable component, wherein the removable component is separable from the body of the transaction card.

20. The method of claim 17 , further comprising decoupling the identification chip from the body by moving the tear element away from the body.

Assignees

• Capital One Services Llc

Inventors

• Maiman Tyler
• Benkreira Abdelkader M'Hamed
• Way Brendan

Classifications

• G06K19/07722

  the record carrier being multilayered, e.g. laminated sheets (flat articles in general, see B32B37/00) · CPC title

• G06K19/07381 Primary

  with deactivation or otherwise incapacitation of at least a part of the circuit upon detected tampering · CPC title

• G06K19/145

  at least one of the further markings being adapted for galvanic or wireless sensing, e.g. an RFID tag with both a wireless and an optical interface or memory, or a contact type smart card with ISO 7816 contacts and an optical interface or memory · CPC title

• G06K19/042

  the record carrier having a form factor of a credit card and including a small sized disc, e.g. a CD or DVD (disc shaped data carriers in general, see G11B20/00 and G11B23/00) · CPC title