ALEXANDRIA, Va., June 12 -- United States Patent no. 12,299,671, issued on May 13, was assigned to Capital One Services LLC (McLean, Va.).
"Methods and arrangements for a payment instrument with an evolving design" was invented by Kevin Osborn (Newton Highlands, Mass.), Tyler Maiman (Melville, N.Y.) and Joshua Edwards (Philadelphia).
According to the abstract* released by the U.S. Patent & Trademark Office: "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 and memory; an antenna coupled with the chip; a reactive medium; and one or more reservoirs comprising beads, each of the beads comprising a reactive agen...