Systems, methods, transaction cards, mobile devices, processors, and computer memory programmed with machine-readable instructions, for providing a dynamic Card Verification Value (dCVV) to a user of a transaction card. A mobile device associated with the user and with the transaction card initiates a non-payment near field communication (NFC) with the transaction card, receives a message from the transaction card in the non-payment NFC communication, transmits a prompt to an IP address or web address over a global computer information network, and receives a secure communication from containing the dCVV from a server accessible from the IP address or web address in response to the prompt. The dCVV code is then provided to the user. In embodiments, the non-payment NFC may be initiated via a card tap, a user interface, or a communication from a website.
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
A transaction card having a partial glass layer including an interior glass member connected to a non-glass frame. The frame defines opposite planar surfaces, has an outer periphery coextensive with the outer periphery of the card, and has a frame inner periphery spaced radially inward from the frame outer periphery. The frame inner periphery defines an interior area occupied by the glass member. The transaction card further includes at least one additional layer having a periphery coextensive with the periphery of the card, and a payment module configured for contactless operation or dual interface contact/ contactless operation.
G06K 19/02 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the selection of materials, e.g. to avoid wear during transport through the machine
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
A transaction card having a discontinuous metal stratum (14) with a desired degree of electrical eddy current disruption disposed on a surface of a first layer (12), such as a glass or other transparent layer. A transaction module (16) disposed in the first layer is electrically isolated from the discontinuous metal stratum. The discontinuous metal stratum may include a plurality of isolated metal features (15) that form a halftone pattern, such as a pattern that is visibly opaque to the naked eye.
A transaction device includes a metal layer with one or more discontinuities in the metal layer. Each discontinuity comprises a gap in the metal layer extending from the front surface to the back surface, including at least one discontinuity that defines a path from the device periphery to the opening. A transponder chip module is disposed in the opening. A booster antenna is in communication with the transponder chip module. The device may include at least one fiber-reinforced epoxy laminate material layer. The transponder chip module and the booster antenna may comprise components in a payment circuit, with the metal layer electrically isolated from the payment circuit. The booster antenna may be formed on or embedded in the fiber-reinforced epoxy laminate material layer. Processes for manufacturing transaction devices including a metal layer with one or more fiber-reinforced epoxy laminate material layers are also disclosed.
G06K 19/02 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the selection of materials, e.g. to avoid wear during transport through the machine
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
5.
METAL, CERAMIC, OR CERAMIC-COATED TRANSACTION CARD WITH WINDOW OR WINDOW PATTERN AND OPTIONAL BACKLIGHTING
A transaction card (1900) includes at least one metal layer (1910) having one or more apertures (1920, 1930) therein. A light guide (1933) is disposed beneath the metal layer. The light guide has a light output and a light input. The light output is positioned to transmit light through at least the one or more apertures of the metal layer. At least one LED (1935) is positioned to transmit light into the light guide light input.
G06K 19/02 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the selection of materials, e.g. to avoid wear during transport through the machine
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
Metal transaction cards and methods of making metal transaction cards are disclosed. One metal transaction card includes at least one metal layer and an inlay layer comprising a biometric sensor and one or more payment interface components configured to interface with a card reader, a secure element configured to exchange information with the card reader pursuant to processing a financial transaction, and at least one logic component connected to the biometric sensor. The logic component is configured to compare information detected by the biometric sensor to stored information and to enable processing of the financial transaction only upon a detected match between the detected and stored information.
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06K 19/10 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means at least one kind of marking being used for authentication, e.g. of credit or identity cards
A process for manufacturing a transaction card includes forming an opening in a card body of the transaction card; inserting an electronic component into the opening; and disposing a non-conductive material about the electronic component. A transaction card includes a molded electronic component.
A process for manufacturing a transaction card includes forming an opening in a card body of the transaction card; inserting an electronic component into the opening; and molding a molding material about the electronic component. A transaction card includes a molded electronic component.
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
B29C 45/14 - Injection moulding, i.e. forcing the required volume of moulding material through a nozzle into a closed mould; Apparatus therefor incorporating preformed parts or layers, e.g. injection moulding around inserts or for coating articles
CA 03088900 2020-07-06 (12) INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property 1 11111 1111111 11 111111 1111 BONI 1 1 111 1111 1111 1111 1111 1111 111 11111111111 111 1111 Organization International Bureau (10) International Publication Number (43) International Publication Date WO 2019/152235 Al 08 August 2019 (08.08.2019) WIPO I PCT (51) International Patent Classification: (72) Inventor: LOWE, Adam; 2092 Amwell Rd., Somerset, NJ GOOK 19/077 (2006.01) HO1Q 1/22 (2006.01) 08873 (US). HO1L 23/498 (2006.01) HO1Q 1/38 (2006.01) (74) Agent: DONNELLY, Rex, A. et al.; RatnerPrestia, 2200 (21) International Application Number: Renaissance Boulevard, Suite 350, King Of Prussia, PA PCT/U52019/014656 19406 (US). (22) International Filing Date: (81) Designated States (unless otherwise indicated, for every 23 January 2019 (23.01.2019) kind of national protection available): AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, (25) Filing Language: English CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, (26) Publication Language: English DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ED, EL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, (30) Priority Data: KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, 62/623,936 30 January 2018 (30.01.2018) US MG, MK, MN, MW, MX, MY, MZ, NA, NG, NL NO, NZ, 15/928,813 22 March 2018 (22.03.2018) US OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, (71) Applicant: COMPOSECURE, LLC [1JS/US]; 500 SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, Memorial Drive, Somerset, NJ 08873 (US). TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW. (54) Title: DUAL INTERFACE CAPACITIVE EMBEDDED METAL CARD = = . 44\ 1 I% T = = = = = = 9}3 (57) Abstract: A tramaction card having a metal layer, an opening in the metal layer for a transponder chip, and at least one discontinuity extending from an origin on the card periphery to a terminus in the opening. The card has a greater flex resistance than a card having a fP) comparative discontinuity with the terminus and the origin the same distance from a line defined by a first long side of the card periphery el in an absence of one or more strengthening features. Strengthening features include a discontinuity wherein one of the terminus or the origin are located relatively closer to the first long side of the card periphery than the other, a plurality of discontinuities wherein fewer -...., than all extend from the card periphery to the opening, a self- supporting, non-metal layer disposed on at least one surface of the card, or one or more ceramic reinforcing tabs surrounding the opening. [Continued on next page] CA 03088900 2020-07-06 WO 2019/152235 Al I11111 NMIl 1111111111111111111111111 I II 111 0111 lHl OH 11111 OH MI1111111 OHM (84) Designated States (unless otherwise indicated, for every kind of regional protection available): AREPO (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, TJ, TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG). Declarations under Rule 4.17: ¨ as to applicant's entitlement to apply for and be granted a patent (Rule 4.1700) ¨ as to the applicant's entitlement to claim the priority of the earlier application (Rule 4.17(iii)) Published: ¨ with international search report (Art. 21(3))
A card having a metal layer and an opening or cut-out region in the metal layer, with a dual-interface integrated circuit (IC) module disposed in the opening or cut-out region. A ferrite layer is disposed below the metal layer and a booster antenna is attached to the ferrite layer. A vertical hole extends beneath the IC module through the ferrite layer. The booster antenna may be physically connected to the IC module or may be configured to inductively couple to the IC module. In some embodiments, the IC may be disposed in or on a non-conductive plug disposed within the opening or cut-out region, or the vertical hole may have a non-conductive lining, or a connector may be disposed between the booster antenna and the IC module in the vertical hole.
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06K 19/02 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the selection of materials, e.g. to avoid wear during transport through the machine
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/10 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means at least one kind of marking being used for authentication, e.g. of credit or identity cards
A transaction card includes at least one metal layer having one or more apertures therein. A light guide is disposed beneath the metal layer. The light guide has a light output and a light input. The light output is positioned to transmit light through at least the one or more apertures of the metal layer. At least one LED is positioned to transmit light into the light guide light input.
G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
B42D 25/00 - Information-bearing cards or sheet-like structures characterised by identification or security features; Manufacture thereof
B42D 25/22 - Information-bearing cards or sheet-like structures characterised by identification or security features; Manufacture thereof characterised by a particular use or purpose for use in combination with accessories specially adapted for information-bearing cards
A transaction card and a process of making the transaction card are described. The transaction card includes a core having first and second faces, a core thickness therebetween, and an opening, and embedded electronics disposed in the opening.
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
G06K 19/02 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the selection of materials, e.g. to avoid wear during transport through the machine
13.
CARD WITH DYNAMIC SHAPE MEMORY ALLOY TACTILE FEATURE
A transaction or identification card has a width, a length, and at least one planar surface extending across the width and length. The card includes a dynamic feature including an actuator having an inactivated position and an activated position, wherein the inactivated position has at least one reversible difference from the inactivated position relative to the planar surface of the card.
G06K 19/02 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the selection of materials, e.g. to avoid wear during transport through the machine
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
14.
PATINATED OR PATINA-READY METAL TRANSACTION CARDS AND MANUFACTURING PROCESSES
B32B 33/00 - Layered products characterised by particular properties or particular surface features, e.g. particular surface coatings; Layered products designed for particular purposes not covered by another single class
B42D 25/00 - Information-bearing cards or sheet-like structures characterised by identification or security features; Manufacture thereof
B44D 5/00 - Surface treatment to obtain special artistic surface effects or finishes
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
B32B 15/00 - Layered products essentially comprising metal
C23C 22/00 - Chemical surface treatment of metallic material by reaction of the surface with a reactive liquid, leaving reaction products of surface material in the coating, e.g. conversion coatings, passivation of metals
A dual interface transaction card includes a metal card body having first and second surfaces. A contact-only transaction module is secured in the card body, the contact-only transaction module including contact pads disposed on the first surface of the card body and including a first transaction circuit. A contactless transaction module is secured in a void in the metal card body. The contactless transaction module includes a second transaction circuit and an antenna. Also disclosed is a process for manufacturing the dual interface transaction card. The process includes the steps of constructing a metal card body having the first and second surfaces, securing the contact-only transaction module in the metal card body, forming the void in the metal card body, and securing the contactless transaction module in the void.
G06K 19/067 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards
G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
G06K 19/073 - Special arrangements for circuits, e.g. for protecting identification code in memory
G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
patents
