# US 10,482,452 B1 · Payment apparatus > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 10,482,452 B1 - Document ID: US10482452B1 - Status: Granted - Kind: B1 - Application number: 16/256,686 - Filed: 2019-01-24 - Granted: 2019-11-19 - Earliest claimed: 2019-01-24 - Assignees: Capital One Services, LLC - Applicants: Capital One Services, LLC - Inventors: Abdelkader M'Hamed Benkreira; Joshua Edwards; Michael Mossoba - Web page: https://patentgrep.com/patent/US10482452B1 ## CPC - G06Q 20/3278: {RFID or NFC payments by means of M-devices} - G06Q 20/352: {Contactless payments by cards} - G06K 19/0723: {the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs} - G06K 19/07739: {comprising a first part capable of functioning as a record carrier on its own and a second part being only functional as a form factor changing part, e.g. SIM cards type ID 0001, removably attached to a regular smart card form factor} - G06K 19/07762: {the adhering arrangement making the record carrier wearable, e.g. having the form of a ring, watch, glove or bracelet (record carriers for insertion in the human body for medical purposes A61B90/00; record carriers adapted for attachment to animals A01K11/00)} - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - G06K: GRAPHICAL DATA READING (image or video recognition or understanding G06V); PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS ## Abstract An apparatus is disclosed herein. The apparatus includes a first liner, a second liner, one or more fastening components, and one or more prongs. The one or more fastening components couples the first liner to the second liner, defining an opening between. The one or more prongs are positionable between a closed position within the opening and an open position exterior to the opening. The one or more prongs include a payment prong. The payment prong includes a body free, a payment chip receptacle, and a payment chip. The body is free from any personal identification information. The payment chip receptacle is attached to the body. The payment chip is positioned in the payment chip receptacle. The payment chip is removable therefrom. ## Claims ### Claim 1 An apparatus, comprising: a first liner; a second liner; one or more fastening components coupling the first liner to the second liner, defining an opening between; and one or more prongs positionable between a closed position within the opening and an open positioning exterior to the opening, the one or more prongs comprising: a payment prong, the payment prong comprising: a body free from any personal identification information; a payment chip receptacle attached to the body; and a payment chip positioned in the payment chip receptacle, the payment chip removable therefrom. ### Claim 2 (depends on 1) The apparatus of claim 1, wherein the body comprises: a shaft extending between the payment chip receptacle and the opening, the shaft comprising one or more openings formed therethrough, each of the one or more openings configured to receive each of the one or more fastening components. ### Claim 3 (depends on 2) The apparatus of claim 2, wherein the shaft comprises: one or more printed circuits contained therein, the one or more printed circuits contacting the payment chip at one or more contact points. ### Claim 4 (depends on 3) The apparatus of claim 3, wherein the apparatus further comprises: a power source positioned within the opening, the power source coupled to each of the one or more printed circuits. ### Claim 5 (depends on 3) The apparatus of claim 3, wherein the one or more printed circuits enable the payment chip to communicate with external device via a wireless connection. ### Claim 6 (depends on 5) The apparatus of claim 5, wherein the wireless connection is one of radio frequency identification (RFID), near field communication (NFC), or Bluetooth. ### Claim 7 (depends on 2) The apparatus of claim 2, wherein the shaft is formed from a non-metal material. ### Claim 8 (depends on 1) The apparatus of claim 1, wherein the payment chip receptacle fully surrounds the payment chip. ### Claim 9 (depends on 1) The apparatus of claim 1, wherein the payment chip receptacle comprises: two or more arms configured to hold the payment chip in position. ### Claim 10 (depends on 1) The apparatus of claim 1, wherein the one or more prongs further comprise: one or more tools. ### Claim 11 A payment device, comprising: a multi-tool apparatus comprising a body free from any personal identification information; a payment chip receptacle coupled with the body, the payment chip receptacle comprising two or more arms movable between an open position and a closed position; and a payment chip positioned in the payment chip receptacle, wherein the payment chip is secured by the two or more arms, wherein the payment chip is removable from the payment chip receptacle when the two or more arms are in the open position. ### Claim 12 (depends on 11) The payment device of claim 11, wherein the payment chip is secured to the payment chip receptacle when the two or more arms are in the closed position. ### Claim 13 (depends on 11) The payment device of claim 11, wherein the payment chip receptacle is coupled to a tool of the multi-tool apparatus. ### Claim 14 (depends on 13) The payment device of claim 13, further comprising: a printed antenna integrated with the tool of the multi-tool apparatus, the printed antenna coupled with the payment chip. ### Claim 15 (depends on 14) The payment device of claim 14, wherein the multi-tool apparatus further comprises a power source disposed therein. ### Claim 16 (depends on 13) The payment device of claim 13, wherein the tool of the multi-tool apparatus is formed from a non-metal material. ### Claim 17 (depends on 13) The payment device of claim 13, wherein the tool of the multi-tool apparatus is movable between a closed position within the body of the multi-tool apparatus and an open position exterior to the body of the multi-tool apparatus. ### Claim 18 (depends on 11) The payment device of claim 11, wherein the payment chip receptacle fully surrounds the payment chip. ### Claim 19 (depends on 11) The payment device of claim 11, wherein the payment chip receptacle is formed from a non-metal material.