Transaction Card With Removable Identification Chip Insert

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Solution Overview

Problem

Existing transaction cards require users to carry multiple cards for access to different accounts, as they are typically embedded with non-interchangeable identification chips, limiting versatility and convenience.

Innovation Solution

A transaction card design featuring a removable identification chip insert, allowing users to swap chips in and out of the card, similar to a SIM card, enabling access to multiple accounts with a single card.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If multiple transaction cards are carried to access different accounts, then access to multiple accounts is enabled, but portability and convenience deteriorate

Engineering Contradiction:

Improveaccess to multiple accountsVSAvoidportability

Core Design Contradiction:

Adaptability or versatilityVSWeight of moving object

Solution Approach 1:

The identification chip is segmented from the card body, allowing it to be removed and replaced. The card body contains a cutout section that accommodates different chip inserts, enabling a single card to access multiple accounts through chip swapping rather than carrying multiple cards

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The transaction card is designed with universal functionality to accommodate different identification chips. The card body structure with a standardized cutout section allows it to work with multiple different chips, making one card serve multiple account access functions

Inventive Principle:

Principle #6Universality (Multi-functionality)

2Reliability

If an identification chip is embedded in a transaction card, then secure account access is enabled, but interchangeability and versatility deteriorate

Engineering Contradiction:

Improvesecure account accessVSAvoidinterchangeability

Core Design Contradiction:

ReliabilityVSAdaptability or versatility

Solution Approach 1:

The identification chip is extracted from being permanently embedded in the card body. Instead, it is placed in a removable insert within a cutout section, allowing the chip to be taken out and replaced while maintaining secure account access through the reliable card body structure

Inventive Principle:

Principle #2Taking out (Extraction)

Solution Approach 2:

The identification chip is nested within a removable insert that fits into the cutout section of the card body. This nested structure allows the chip to be securely held during use but easily removed and replaced when needed

Inventive Principle:

Principle #7Nested doll (Nesting)

3Adaptability or versatility

If a removable insert with cutout section is implemented, then chip interchangeability is improved, but device complexity increases

Engineering Contradiction:

Improvechip interchangeabilityVSAvoidcard structure

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The card is segmented into a card body and a removable insert containing the chip. This segmentation enables chip interchangeability while keeping each component relatively simple in structure

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

Instead of making the entire card replaceable, only the chip insert is made removable from the card body. This inversion approach achieves interchangeability with minimal added complexity

Inventive Principle:

Principle #13The other way round (Inversion)

Data Source

PatentUS11132592B1Transaction card including replaceable chip insert

Publication Date: 2021.09.28 CAPITAL ONE SERVICES LLC

AI summary

Approaches herein provide a transaction card including an interchangeable ID chip. In some approaches, a transaction card may include a body having a first main side opposite a second main side, a first side opposite a second side, and a first end opposite a second end. The transaction card may further include an insert extending within a cutout section of the body, wherein the cutout section extends towards a center of the body from the first side or the second side, and wherein the insert includes an identification chip.