# US 10,121,100 B2 · Two piece transaction card having fabric inlay

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- Number: US 10,121,100 B2
- Document ID: US10121100B2
- Status: Granted
- Kind: B2
- Application number: 15/695,099
- Filed: 2017-09-05
- Published: 2018-06-21
- Granted: 2018-11-06
- Earliest claimed: 2016-12-20
- Assignees: Capital One Services, LLC
- Applicants: Capital One Services, LLC
- Inventors: Om J Suthar
- Web page: https://patentgrep.com/patent/US10121100B2

## CPC

- G06K 19/0772: {Physical layout of the record carrier}
- B32B 3/04: characterised by {at least one} layer folded at the edge, e.g. over another layer {; characterised by at least one layer enveloping or enclosing a material}
- B32B 3/06: for securing layers together; for attaching the product to another member, e.g. to a support {, or to another product, e.g. groove/tongue, interlocking}
- B32B 3/08: characterised by added members at particular parts {(layer formed of separate pieces of material which are juxtaposed side-by-side B32B3/14, B32B3/18)}
- B32B 3/263: {characterised by a layer having non-uniform thickness}
- B32B 3/266: {characterised by an apertured layer, the apertures going through the whole thickness of the layer, e.g. expanded metal, perforated layer, slit layer regular cells B32B3/12}
- B32B 3/30: characterised by a layer formed with recesses or projections, e.g. {hollows, grooves, protuberances, ribs (apertured layer B32B3/266; layer with cavities or internal voids B32B3/26)}
- B32B 5/022: {Non-woven fabric}
- B32B 5/024: {Woven fabric}
- B32B 5/026: {Knitted fabric}
- B32B 5/26: another layer {next to it} also being fibrous or filamentary {(relative arrangement of fibres or filaments of different layers B32B5/12)}
- B32B 5/28: impregnated with or embedded in a plastic substance {(not used)}
- B32B 7/05: the layers not being connected over the whole surface, e.g. discontinuous connection or patterned connection (using interposed adhesives or bonding materials applied in spaced arrangements B32B7/14)
- B32B 7/12: using interposed adhesives or interposed materials with bonding properties
- B32B 15/08: of synthetic resin
- B32B 15/14: next to a fibrous or filamentary layer
- B32B 21/02: {the layer being formed} of fibres, chips, or particles {, e.g. MDF, HDF, OSB, chipboard, particle board, hardboard}
- B32B 21/08: of synthetic resin
- B32B 21/10: Next to a fibrous or filamentary layer
- B32B 21/14: comprising wood board or veneer
- B32B 27/12: next to a fibrous or filamentary layer
- B32B 27/304: {comprising vinyl halide (co)polymers, e.g. PVC, PVDC, PVF, PVDF}
- B32B 27/308: {comprising acrylic (co)polymers}
- B32B 27/34: comprising polyamides
- B32B 27/36: comprising polyesters
- B32B 27/365: {comprising polycarbonates}
- B32B 27/40: comprising polyurethanes
- G06K 19/07722: {the record carrier being multilayered, e.g. laminated sheets (flat articles in general, see B32B37/00)}
- B32B 2250/02: 2 layers
- B32B 2250/03: 3 layers
- B32B 2255/02: on fibrous or filamentary layer
- B32B 2255/26: Polymeric coating
- B32B 2262/0269: Aromatic polyamide fibres
- B32B 2262/0276: Polyester fibres
- B32B 2262/062: Cellulose fibres, e.g. cotton
- B32B 2262/106: Carbon fibres, e.g. graphite fibres
- B32B 2270/00: Resin or rubber layer containing a blend of at least two different polymers
- B32B 2274/00: Thermoplastic elastomer material
- B32B 2307/4023: on the layer surface, e.g. ink
- B32B 2307/41: Opaque
- B32B 2307/73: Hydrophobic
- B32B 2425/00: Cards, e.g. identity cards, credit cards
- B32B 2429/00: Carriers for sound or information
- B32B 2519/02: RFID tags
- G06K: GRAPHICAL DATA READING (image or video recognition or understanding G06V); PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- B32B: LAYERED PRODUCTS, i.e. PRODUCTS BUILT-UP OF STRATA OF FLAT OR NON-FLAT, e.g. CELLULAR OR HONEYCOMB, FORM

## Abstract

Disclosed embodiments generally relate to a transaction card with a fabric inlay. The transaction card may include a housing component having a first housing surface opposite a second housing surface and an inlay component having a first inlay surface opposite a second inlay surface. The inlay and housing may be joined along the second inlay surface and the first housing surface. In addition, the first inlay surface may include a fabric material and a backer layer configured to support the fabric material of the first inlay surface.

## Claims

### Claim 1

A transaction card, comprising:
a housing component having a first housing surface opposite a second housing surface and forming a cavity defined by walls of the housing component; and
an inlay component having a first inlay surface opposite a second inlay surface, the inlay and housing being joined along the second inlay surface and the first housing surface such that the inlay component is disposed within the cavity, the first inlay surface comprising:
a fabric material; and
a backer layer configured to support the fabric material of the first inlay surface.

### Claim 2 (depends on 1)

The transaction card of claim 1, wherein the fabric material is a woven fabric.

### Claim 3 (depends on 2)

The transaction card of claim 2, wherein the weaving pattern used to construct the fabric material is selected from the group consisting of plain, basket, satin, sateen, twill, ripstop, and jacquard.

### Claim 4 (depends on 1)

The transaction card of claim 1, wherein backer layer comprises a nonwoven fabric.

### Claim 5 (depends on 1)

The transaction card of claim 1, wherein the backer layer comprises poly-paraphenylene terephthalamide.

### Claim 6 (depends on 1)

The transaction card of claim 1, further comprising a coating material disposed on the fabric material of the first inlay surface.

### Claim 7 (depends on 6)

The transaction card of claim 6, wherein the coating material is a protecting coating material.

### Claim 8 (depends on 6)

The transaction card of claim 6, wherein the coating material is a laser-reactive coating material.

### Claim 9 (depends on 1)

The transaction card of claim 1, wherein the fabric material of the first inlay surface comprises a fabric constructed with natural fibers.

### Claim 10 (depends on 9)

The transaction card of claim 9, wherein the fabric material of the first inlay surface comprises a cotton fabric constructed using a twill weave.

### Claim 11 (depends on 9)

The transaction card of claim 9, wherein the fabric material of the first inlay surface is denim.

### Claim 12 (depends on 9)

The transaction card of claim 9, wherein the fabric material of the first inlay surface has a thread count between 250 and 1200.

### Claim 13 (depends on 1)

The transaction card of claim 1, wherein the fabric material of the first inlay surface comprises a fabric constructed with synthetic fibers.

### Claim 14 (depends on 13)

The transaction card of claim 13, wherein the fabric material of the first inlay surface comprises poly-paraphenylene terephthalamide.

### Claim 15 (depends on 13)

The transaction card of claim 13, wherein the fabric material of the first inlay surface has a thread count between 25 and 75.

### Claim 16 (depends on 1)

The transaction card of claim 1, further comprising visible information disposed on the fabric material of the first inlay surface.

### Claim 17 (depends on 16)

The transaction card of claim 16, wherein the visible information is formed into the fabric material of the first inlay surface.

### Claim 18 (depends on 1)

The transaction card of claim 1, further comprising visible information disposed on the second housing surface.

### Claim 19 (depends on 1)

The transaction card of claim 1, further comprising a data storage component.

### Claim 20 (depends on 19)

The transaction card of claim 19, wherein the inlay component has an aperture through which the data storage component is accessible.