Tamper-resistant dynamic transaction card and method of providing a tamper-resistant dynamic transaction card

• US 9,710,744 B2
• Filed: 04/14/2016
• Issued: 07/18/2017
• Est. Priority Date: 04/14/2015
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Inventors: Wurmfeld, David, Zarakas, James, Markson, Theodore, Sangi, Saleem, Locke, Tyler, Kelly, Kevin
• Primary Examiner(s): Kim, Ahshik
• Application Number:
  US15/098,903
• Publication Number:
  US 20160307088A1
• Time in Patent Office: 460 Days
• Field of Search: 235488, 235495, 235451
• CPC Class Codes: G06K 19/07381 with deactivation or otherwise incapacitation of at least a part of the circuit upon detected tampering
• CPC Class Codes: G06K 19/07722 the record carrier being multilayered, e.g. laminated sheets flat articles in general, see B32B37/00

Abstract

A dynamic transaction card that is manufactured using conductive plastic jumpers that will dissolve when in contact with a solvent used to tamper with the dynamic transaction card. Internal components of a dynamic transaction card may be manufactured using a synthetic or semi-synthetic organic material, such as, for example, plastics. These materials may be conductive to provide functionality to a dynamic transaction card, such as a connection between an integrated circuit and other card components such that when the materials dissolve, the connections are broken and the dynamic transaction card may be inactive due to the loss of various connections.

Claims

1. A dynamic transaction card comprising:

an outer layer comprising a plastic material;

electrical components;

at least one connector between the electrical components, wherein;

the connector is constructed from a conductive, dissolvable material;

a mixed polymer is injected into molding to irreversibly cure the plastic material to creat the connector; and

upon dissolving the outer layer using a solvent, the at least one connector is dissolved to break the connection between the electrical components and deactivate the dynamic transaction card.

2. The dynamic transaction card of claim 1, wherein the electrical components comprise an integrated circuit, power supply, power management component, microprocessor, microcontroller, and/or a EuroPay-MasterCard-Visa (EMV) chip.

3. The dynamic transaction card of claim 2, wherein the connector connects the integrated circuit to the power supply and/or power management component.

4. The dynamic transaction card of claim 2, wherein the connector connects the microprocessor and/or microcontroller to the power supply and/or power management component.

5. The dynamic transaction card of claim 1, wherein the plastic material comprises polyethylene terephthalate, polyethylene, high-density polyethylene, polyvinyl chloride, polyvinylidene chloride, low-density polyethylene, polypropylene, polystyrene, high impact polystyrene, polyamides, acrylonitrile butadiene styrene, polyethylene/acrylonitrile butadiene styrene polycarbonate, and/or polycarbonate/acrylonitrile butadiene styrene.

6. The dynamic transaction card of claim 1, wherein the connector is manufactured using reaction injection molding.

7. The dynamic transaction card of claim 1, wherein reinforcing agents are added to the mixed polymer.

8. The dynamic transaction card of claim 7, wherein the reinforcing agents comprise fiber and/or mica.

9. The dynamic transaction card of claim 1, further comprising a backing layer, wherein the backing layer and the outer layer are molded together.

10. The dynamic transaction card of claim 9, wherein the backing layer comprises a plastic material.

11. The dynamic transaction card of claim 1, wherein the connector is x-ray transparent.

12. A method of manufacturing a dynamic transaction card:

preparing a plastic mixture to construct at least one connector for a dynamic transaction card;

injecting the plastic mixture into a molding for the at least one connector, wherein the plastic mixture is irreversibly cured in the molding;

creating connections between electrical components of the dynamic transaction card using the at least one connector; and

securing the components of the dynamic transaction card and at least one connector between two outer layers, wherein each outer layer is constructed out of a plastic material, wherein by dissolving at least one outer layer the at least one connector dissolves to break the connection between the electrical components and deactivates the dynamic transaction card.

13. The method of manufacturing a dynamic transaction card of claim 12, wherein the electrical components comprise an integrated circuit, power supply, power management component, microprocessor, microcontroller, and/or a EuroPay-MasterCard-Visa (EMV) chip.

14. The method of manufacturing a dynamic transaction card of claim 13, further comprising creating connections between the integrated circuit and the power supply and/or power management component of the dynamic transaction card using the at least one connector.

15. The method of manufacturing a dynamic transaction card of claim 13, further comprising creating connections between the microprocessor and/or microcontroller, and the power supply and/or power management component of the dynamic transaction card using the at least one connector.

16. The method of manufacturing a dynamic transaction card of claim 12, wherein the plastic mixture comprises polyethylene terephthalate, polyethylene, high-density polyethylene, polyvinyl chloride, polyvinylidene chloride, low-density polyethylene, polypropylene, polystyrene, high impact polystyrene, polyamides, acrylonitrile butadiene styrene, polyethylene/acrylonitrile butadiene styrene polycarbonate, and/or polycarbonate/acrylonitrile butadiene styrene.

17. The method of manufacturing a dynamic transaction card of claim 12, wherein the molding comprises a reaction injection molding.

18. The method of manufacturing a dynamic transaction card of claim 12, further comprising adding reinforcing agents to the plastic mixture.

19. The method of manufacturing a dynamic transaction card of claim 18, wherein the reinforcing agents comprise fiber and/or mica.

20. The method of manufacturing a dynamic transaction card of claim 12, wherein an outer layer comprises a backing layer.

21. The method of manufacturing a dynamic transaction card of claim 12, further comprising molding the two outer layers together.

22. The method of manufacturing a dynamic transaction card of claim 12, wherein the connector is x-ray transparent.