Access Card Rule Configuration for Secure Request Routing

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Solution Overview

Problem

Existing access cards lack user control over how tasks are performed, with all network requests being handled by the service provider's system without user-defined rules, leading to limited flexibility and security vulnerabilities.

Innovation Solution

A mobile application allows users to configure rules for their access cards, dictating how different types of tasks are handled using either their account or a service provided by the service provider, with the system routing requests accordingly based on user-defined parameters.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If all network requests are handled by the service provider's system without user-defined rules, then the system is simple to operate, but user control and security are limited

Engineering Contradiction:
Improvesimplicity of access card usageVSAvoidsecurity and user control
Core Design Contradiction:
Ease of operationVSReliability

Solution Approach 1:

The patent segments the request handling process into two distinct paths: requests handled by the service provider's system and requests handled by the user's account. This segmentation allows users to define rules that determine which path each request takes, providing both simplicity (through automated routing) and security (through user-defined control).

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The patent implements dynamic rule configuration where users can modify their access card rules at any time through a mobile application. The system dynamically assesses authorization requests against these user-defined rules and adjusts routing decisions in real-time, balancing operational simplicity with user control and security requirements.

Inventive Principle:
Principle #15Dynamics

2Reliability

If user-defined rules are implemented for access card usage, then security and user control are enhanced, but system complexity increases

Engineering Contradiction:
Improvesecurity and user controlVSAvoidcomplexity of rule configuration system
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent introduces a mobile application as an intermediary between the user and the complex rule configuration system. This intermediary provides a simplified user interface that abstracts the underlying complexity, allowing users to configure security rules without directly interacting with the complex system architecture.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The system implements automated feedback mechanisms where the computer system assesses authorization requests against user-defined rules and automatically routes requests accordingly. This feedback loop eliminates the need for users to manually manage complex routing logic, reducing perceived system complexity while maintaining security.

Inventive Principle:
Principle #23Feedback

3Reliability

If the system dynamically assesses authorization and routes tasks based on user-defined rules, then security is improved, but processing time increases

Engineering Contradiction:
Improvesecurity through dynamic assessmentVSAvoidrequest processing time
Core Design Contradiction:
ReliabilityVSLoss of time

Solution Approach 1:

The patent implements preliminary action by having users pre-configure their access card rules in advance. These rules are stored and ready for immediate application when authorization requests occur, eliminating the need for real-time rule creation or complex evaluations during the authorization process.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The system uses copying by storing user-defined rules as reusable templates that can be quickly applied to multiple authorization requests. Instead of重新 evaluating complex criteria for each request, the system copies and applies pre-established rule sets, significantly reducing processing time while maintaining security.

Inventive Principle:
Principle #26Copying

Data Source

PatentUS12572263B2Access card with configurable rules
Publication Date: 2026.03.10 TRUIST BANK
  • US12572263B2 patent drawing
  • US12572263B2 patent drawing
  • US12572263B2 patent drawing

AI summary

Rules can be selectively applied by a user to an access card using a graphical user interface (GUI) of a mobile application. For example, the mobile application can provide a graphical user interface through which the user can select how usage of the access card is to be handled by the service provider. The mobile application can receive, through the graphical user interface, input from the user indicating one or more rules to be applied to the access card. The one or more rules can dictate how usage of the access card is to be handled by the service provider. In response to receiving the input, the mobile application can transmit one or more commands to a computer system associated with the service provider. The computer system can receive the one or more commands and implement the one or more rules selected by the user of the access card.