Methods and arrangements for a payment instrument with an evolving design

Patent metadata

Field	Value
Publication number	US-12299671-B2
Application number	US-202418425958-A
Country	US
Kind code	B2
Filing date	Jan 29, 2024
Priority date	Nov 10, 2022
Publication date	May 13, 2025
Grant date	May 13, 2025

Abstract

A payment instrument comprising a bottom layer; one or more intermediate layers, wherein at least one of the one or more intermediate layers comprises: a chip comprising a processor and memory; an antenna coupled with the chip; a reactive medium; and one or more reservoirs comprising beads, each of the beads comprising a reactive agent, the beads configured to release the reactive agent over time onto the reactive medium, wherein the reactive agent causes a change over time of the surface of the reactive medium; and a top layer, the top layer having at least a partially translucent portion, the at least one partially translucent portion above the reactive medium, wherein the reactive medium is at least partially visible through the at least one partially translucent portion.

First claim

What is claimed is:

1. A payment instrument comprising:
a bottom layer;
one or more intermediate layers, wherein at least one of the one or more intermediate layers comprises:
a chip;
a reactive medium; and
one or more reservoirs comprising a reactive agent, the one or more reservoirs configured to release the reactive agent over time onto the reactive medium to cause a visible change on at least part of a surface of the reactive medium; and
a top layer, wherein at least part of the surface of the reactive medium is visible through the top layer.

2. The payment instrument of claim 1 , wherein the top layer comprises conductive contacts to electrically connect the chip with a point of sale (POS) terminal, wherein at least one reservoir of the one or more reservoirs resides in proximity to the chip to insert the at least one reservoir at least partially into a POS terminal, the insertion to cause release of at least part of the reactive agent onto the reactive medium.

3. The payment instrument of claim 1 , wherein a flow restriction resides between the one or more reservoirs and the reactive medium.

4. The payment instrument of claim 1 , wherein one or more channels connect at least one of the reservoirs to the reactive medium within the payment instrument to direct the reactive agent to the surface of the reactive medium.

5. The payment instrument of claim 1 , wherein the reactive medium comprises copper, the reactive agent to cause a patina to form on the copper.

6. The payment instrument of claim 1 , wherein the reactive medium comprises a security feature to distinguish counterfeit payment instruments.

7. The payment instrument of claim 1 , wherein the reactive medium includes a coating over a portion of a surface of the reactive medium to prevent the surface from reacting to the reactive agent.

8. The payment instrument of claim 1 , wherein the reactive medium comprises aluminum and the reactive agent comprises an oxidation agent.

9. The payment instrument of claim 1 , wherein the reactive agent comprises a photo sensitive agent, a patina agent, an oxidation agent, or an activation agent for bacteria spores.

10. A payment instrument comprising:
a bottom layer;
one or more intermediate layers, wherein at least one of the one or more intermediate layers comprises:
a chip;
a reactive medium; and
one or more beads comprising a reactive agent, the reactive agent to coat at least part of a surface of the reactive medium to cause a change over time of an appearance of the reactive medium; and
a top layer, the top layer wherein at least part of the surface of the reactive medium is visible through the top layer.

11. The payment instrument of claim 10 , further comprising one or more beads comprising a second reactive agent, the second reactive agent to accelerate or impede the change over time of the appearance.

12. The payment instrument of claim 10 , wherein the one or more beads comprise a flow restriction, restricting a flow of the reactive agent onto the reactive medium.

13. The payment instrument of claim 10 , wherein beads comprising the reactive agent are configured to break in response to placement of the chip into a POS terminal.

14. The payment instrument of claim 10 , wherein the beads dissolve over time.

15. The payment instrument of claim 10 , wherein the reactive medium comprises copper and the beads comprise the reactive agent to cause a patina on a surface of the copper.

16. The payment instrument of claim 15 , wherein the patina comprises a green patina or a black patina.

17. The payment instrument of claim 10 , wherein the reactive medium comprises a three-dimensional security feature to distinguish counterfeit payment instruments.

18. The payment instrument of claim 10 , wherein the reactive medium includes a coating over a portion of a surface of the reactive medium to prevent the surface from reacting to the reactive agent.

19. The payment instrument of claim 10 , wherein the reactive medium comprises aluminum and the reactive agent comprises an oxidation agent.

20. A method to create a payment instrument with an evolving design, the method comprising:
providing a bottom layer;
attaching one or more intermediate layers, wherein at least one of the one or more intermediate layers comprise:
a chip;
a reactive medium; and
one or more reservoirs comprising a reactive agent, the one or more reservoirs configured to release the reactive agent over time onto the reactive medium to cause a visible change on at least part of a surface of the reactive medium; and
attaching a top layer, wherein at least part of the surface of the reactive medium is visible through the top layer.

Assignees

• Capital One Services Llc

Inventors

• Osborn Kevin
• Maiman Tyler
• Edwards Joshua

Classifications

• G06Q20/357

  Cards having a plurality of specified features · CPC title

• G06Q20/4016

  involving fraud or risk level assessment in transaction processing · CPC title

• G06Q20/20 Primary

  Point-of-sale [POS] network systems · CPC title

• B42D25/305

  Associated digital information (record carriers for use with machines and with at least a part designed to carry digital markings G06K19/00) · CPC title

• B42D25/45

  Associating two or more layers · CPC title