Patent ID: 11887101
Assignee: CAPITAL ONE SERVICES, LLC
Field: Other consumer goods (Other fields)
Classification: CPC G  B | IPC G

Claim 9:
10. 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, and a communication interface;
an antenna coupled with the chip;
a reactive medium; and
one or more reservoirs comprising a reactive agent, the reactive agent to coat the reactive medium at least partially in response to insertion of the chip into a point of sale (POS) terminal, wherein the coat causes a change over time of an appearance 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 evolving design, wherein the evolving design is at least partially visible through the at least the partially translucent portion.