Payment card with removable insert and identification elements

Patent metadata

Field	Value
Publication number	US-11580342-B2
Application number	US-202217570735-A
Country	US
Kind code	B2
Filing date	Jan 7, 2022
Priority date	Aug 11, 2020
Publication date	Feb 14, 2023
Grant date	Feb 14, 2023

Abstract

Aspects described herein may allow for a payment card assembly including a payment card having a first surface, an opposed second surface, and an aperture extending through the payment card from the first surface to the second surface. An insert may be removably received in the aperture. Each of a plurality of identification elements may be configured to be removably received in the aperture and have an identification characteristic different than an identification characteristic of each of the other identification elements.

First claim

What is claimed is:

1. A payment card assembly comprising:
a payment card having a first surface and an opposed second surface;
a Europay, Mastercard, and Visa (EMV) chip positioned on the payment card;
an aperture extending through the payment card from the first surface to the second surface;
an insert removably received in the aperture; and
a plurality of identification elements, each identification element being configured to be removably received in the aperture and having an identification characteristic different than an identification characteristic of each of the other identification elements.

2. The payment card assembly of claim 1 , wherein the insert and the identification elements are removably received in the aperture in snap-fit fashion.

3. The payment card assembly of claim 1 , wherein one of the aperture and a peripheral surface of each of the identification elements includes a projection, and the other of the aperture and the peripheral surface of each of the identification elements includes a recess configured to receive the projection.

4. The payment card assembly of claim 1 , wherein each identification element includes a first surface, an opposed second surface, a first flange extending about a periphery of the first surface, and a second flange extending about a periphery of the second surface, the first flange extending along the first surface of the payment card and the second flange extending along the second surface of the payment card when the each identification element is engaged with the payment card.

5. The payment card assembly of claim 1 , wherein the identification characteristic is visual.

6. The payment card assembly of claim 1 , wherein the identification characteristic is a shape.

7. The payment card assembly of claim 1 , wherein the identification characteristic is a texture.

8. The payment card assembly of claim 1 , wherein at least one identification element is alterable by a user.

9. The payment card assembly of claim 1 , wherein
the payment card includes a pair of opposed projections positioned about a periphery of the aperture,
each identification element includes a pair of opposed recesses, and
each identification element is configured to be removably secured within the aperture upon being turned a quarter revolution such that each of the projections is received in one of the recesses.

10. The payment card assembly of claim 1 , wherein the plurality of identification elements includes a first set of identification elements, a second set of identification elements, and a third set of identification elements, each identification element of the first set having a color different than a color of every other identification element of the first set, each identification element of the second set having a shape different than a shape of every other identification element of the second set, and each identification element of the third set having a texture different than a texture of every other identification element of the third set.

11. The payment card assembly of claim 10 , wherein the color of the first, second, and third set of identification elements is provided by LED lights embedded in the first, second, and third set of identification elements.

12. The payment card assembly of claim 1 , further comprising an additional aperture extending through the payment card from the first surface to the second surface, each identification element being configured to be removably received in the additional aperture.

13. A card assembly comprising:
a card having a first surface and an opposed second surface;
a Europay, Mastercard, and Visa (EMV) chip positioned on the card;
a circular aperture extending through the card from the first surface to the second surface;
a first set of circular identification elements, each identification element of the first set having a color different than a color of every other identification element of the first set;
a second set of circular identification elements, each identification element of the second set having a shape different than a shape of every other identification element of the second set; and
a third set of circular identification elements, each identification element of the third set having a texture different than a texture of every other identification element of the third set,
wherein each identification element is configured to be removably received in the aperture in snap-fit fashion.

14. The card assembly of claim 13 , further comprising a fourth set of circular identification elements, each identification element of the fourth set having a graphic element different than a graphic element of every other identification element of the fourth set.

15. The card assembly of claim 13 , wherein one of the aperture and a peripheral surface of each of the identification elements includes a projection, and the other of the aperture and the peripheral surface of each of the identification elements includes a recess configured to receive the projection.

16. The card assembly of claim 15 , wherein the projection extends about an entire periphery of the one of the aperture and the peripheral surface of each of the identification elements, and the recess extends about an entire periphery of the other of the aperture and the peripheral surface of each of the identification elements.

17. The card assembly of claim 13 , wherein each identification element includes a first surface, an opposed second surface, a first flange extending about a periphery of the first surface, and a second flange extending about a periphery of the second surface, the first flange extending along the first surface of the card and the second flange extending along the second surface of the card when the each identification element is engaged with the card.

18. A kit comprising:
a card having a first surface and an opposed second surface;
a Europay, Mastercard, and Visa (EMV) chip positioned on the card;
a circular aperture extending through the card from the first surface to the second surface;
a plurality of circular identification elements;
a first set of circular identification elements, each identification element of the first set having a color different than a color of every other identification element of the first set; and
a second set of circular identification elements, each identification element of the second set having a shape different than a shape of every other identification element of the second set,
wherein each identification element includes a first surface, an opposed second surface, a first flange extending about a periphery of the first surface, and a second flange extending about a periphery of the second surface, and
wherein the first flanges are configured to extend along the first surface of the card and the second flanges are configured to extend along the second surface of the card when the identification elements are engaged with the card.

19. The kit of claim 18 , further comprising a third set of circular identification elements, each identification element of the third set having a texture different than a texture of every other identification element of the third set.

20. The kit of claim 18 , further comprising a fourth set of circular identification elements, each identification element of the fourth set having a graphic element different than a graphic element of every other identification element of the fourth set.

Assignees

• Capital One Services Llc

Inventors

• Goodsitt Jeremy
• Crawford Melissa A
• Price Micah

Classifications

• B42D25/23

  Identity cards · CPC title

• B42D25/20

  characterised by a particular use or purpose · CPC title

• B42D25/30

  Identification or security features, e.g. for preventing forgery · CPC title

• B42D25/369

  Magnetised or magnetisable materials · CPC title

• G06K19/005 Primary

  the record carrier comprising an arrangement to facilitate insertion into a holding device, e.g. an arrangement that makes the record carrier fit into an etui or a casing (ticket holders A45C11/18) · CPC title