Methods for personalizing multi-layer transaction cards

• US 8,725,589 B1
• Filed: 03/05/2010
• Issued: 05/13/2014
• Est. Priority Date: 07/30/2009
• Status: Active Grant

• Current Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Original Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Inventors: Reinhard, Walter Brent, Mann, William Frederick III, Skelding, Dori K.
• Primary Examiner(s): Allen, William
• Application Number:
  US12/718,721
• Time in Patent Office: 1,530 Days
• Field of Search: 705 261- 272, 705/35, 705/38, 156/42, 156/60, 156/172, 156/185, 219/68, 359/2, 283/67, 283/72, 283/109
• US Class Current: 705/26.5
• CPC Class Codes: G06K 19/07711 the interface being an audio interface
• CPC Class Codes: G06K 19/07749 the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/354 Card activation or deactivation
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G07F 7/0846 On-card display means
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: Y10T 156/10 Methods of surface bonding and/or assembly therefor

Abstract

Exemplary embodiments provide a transaction card that may have multiple layers contained therein. The layers may include a metal sub-assembly core. The transaction card may be engraved, prior to providing to a cardholder, with a replica of the cardholder'"'"'s actual signature. Additional items may be personalized upon the transaction card. The transaction card may also be incorporated into a system whereupon the transaction card may be triggered to perform an action such as emitting an audible tone or an electronic communication being sent to the cardholder.

Claims

1. A method for personalizing a transaction card, comprising;

receiving, by at least one computer processor, a request for the transaction card, wherein the request is from a prospective cardholder;

receiving a signature of the prospective cardholder;

processing, by the at least one computer processor, the signature;

engraving the signature into the transaction card, wherein the transaction card comprises metal core having a first side and a second side, the transaction card further having a plurality of layers surrounding the metal core, the plurality of layers comprising a first overlay layer on the first side and the second side, a printed core layer on top of the first overlay layer on the first side and the second side, and a second overlay layer on top of the printed core layer on the first side and the second side, and the engraving is performed into the printed core layer on either the first or second side and at least a portion of the printed core layer comprises calendered rigid vinyl;

providing the transaction card to the prospective cardholder wherein the prospective cardholder becomes a cardholder; and

activating the transaction card at the request of the cardholder.

2. The method of claim 1, wherein the engraving is done by laser engraving.

3. The method of claim 1, wherein the transaction card comprises at least one of:

a credit card, a debit card, an ATM card, a stored value card, a rewards card, or a gift card.

4. A method for personalizing a transaction card, comprising;

receiving, by at least one computer processor, a request for the transaction card, wherein the request is from a prospective cardholder;

receiving a signature of the prospective cardholder;

processing, by the at least one computer processor, the signature;

laser engraving the signature into the transaction card wherein the transaction card comprises a plurality of layers surrounding a core wherein the core has a first side and a second side, the plurality of layers comprising a first overlay layer on the first side and the second side, a printed core layer on top of the first overlay layer on the first side and the second side, and a second overlay layer on top of the printed core layer on the first side and the second side, and the laser engraving is performed into the printed core layer on either the first or second side and at least a portion of the printed core layer comprises calendered rigid vinyl;

providing the transaction card to the prospective cardholder wherein the prospective cardholder becomes a cardholder; and

activating the transaction card at the request of the cardholder.

5. The method of claim 4, wherein the core of the transaction card comprises a metal core.

6. The method of claim 4, wherein the transaction card, at least partially, contains metal.

7. The method of claim 4, wherein the laser engraving is done into a layer of the transaction card, the layer comprising calendered rigid vinyl.

8. The method of claim 4, wherein the transaction card comprises at least one of:

a credit card, a debit card, an ATM card, a stored value card, a rewards card, or a gift card.

9. The method of claim 4, wherein the laser engraving is performed through the second overlay layer.

10. The method of claim 9, wherein the second overlay layer is sealed following the laser engraving.