US 11,887,101 B1
Methods and arrangements for a payment instrument with an evolving design
Kevin Osborn, Newton Highlands, MA (US); Tyler Maiman, Melville, NY (US); and Joshua Edwards, Philadelphia, PA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Nov. 10, 2022, as Appl. No. 17/984,453.
Int. Cl. G06Q 20/34 (2012.01); G06Q 20/20 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/341 (2013.01) [G06Q 20/20 (2013.01); G06Q 20/357 (2013.01); G06Q 20/4016 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A payment instrument comprising:
a bottom layer;
one or more intermediate layers, wherein at least one of the one or more intermediate layers comprises:
a chip comprising a processor, memory, a communication interface, and power converter;
an antenna coupled with the chip;
a reactive medium; and
one or more reservoirs comprising beads, the beads comprising a reactive agent, the beads configured to release the reactive agent over time onto the reactive medium, wherein the reactive agent causes a change over time of the surface of the reactive medium; and
a top layer, the top layer having at least a partially translucent portion, the at least the partially translucent portion above the reactive medium, wherein the reactive medium is at least partially visible through the at least the partially translucent portion.