AI-Managed Virtual Card Numbers for Secure Element Payments

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Solution Overview

Problem

Existing credit card security systems lack customization capabilities and are not suitable to safeguard personal account numbers (PAN) effectively, leading to increased rates of theft and fraud.

Innovation Solution

An AI-driven system generates, provisions, and manages virtual card numbers (VCNs) for secure transactions, monitoring usage and automatically removing unused VCNs to enhance security and optimize memory usage.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If virtual card numbers are generated and managed manually, then customization capabilities are limited, but system complexity and security risks increase

Engineering Contradiction:

Improvecustomization capabilitiesVSAvoidsystem complexity

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The AI system automatically generates, monitors, and manages virtual card numbers without requiring manual user intervention. The system self-provides customized VCNs based on user behavior patterns and automatically removes unused cards, eliminating the need for complex manual management while maintaining high customization capabilities.

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The system continuously monitors usage patterns of virtual card numbers and uses this feedback to dynamically adjust card generation, activation, and removal decisions. This closed-loop feedback mechanism enables adaptive customization while simplifying system operation through automated responses to usage data.

Inventive Principle:

Principle #23Feedback

2Ease of operation

If all virtual card numbers are kept indefinitely, then ease of operation is improved, but memory usage and security risks worsen

Engineering Contradiction:

Improveease of operationVSAvoidmemory usage

Core Design Contradiction:

Ease of operationVSQuantity of substance

Solution Approach 1:

The system proactively identifies and removes unused virtual card numbers before they consume valuable memory resources. By monitoring usage patterns and automatically deleting inactive cards, the system prevents memory bloat while maintaining seamless operation for active users.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system automatically discards unused virtual card numbers to optimize memory usage while recovering the ability to generate new customized cards as needed. This dynamic discarding mechanism ensures efficient resource utilization without impacting user experience.

Inventive Principle:

Principle #34Discarding and recovering

3Reliability

If manual monitoring of card usage is performed, then control over card removal is improved, but time consumption and productivity worsen

Engineering Contradiction:

Improvecontrol over card removalVSAvoidtime consumption

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The AI system autonomously monitors card usage patterns and automatically executes removal decisions without requiring manual user intervention. This self-service approach maintains reliable control over card management while eliminating time-consuming manual monitoring tasks.

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The system continuously monitors card usage and immediately executes removal actions for inactive cards, ensuring uninterrupted and timely management. This continuous automated action eliminates the delays associated with manual monitoring while maintaining precise control over which cards are removed.

Inventive Principle:

Principle #20Continuity of useful action

Data Source

PatentUS20250328955A1Artificial intelligence-initiated generation of cloud-created tokens with controls

Publication Date: 2025.10.23 CAPITAL ONE SERVICES LLC

AI summary

Techniques for artificial intelligence (AI) initiated generation of tokens with controls are provided. Systems and methods disclosed herein utilize cloud-based systems integrated with a virtual card platform to deliver controllable virtual card payment methods to a user device's secure element for in-personal or terminal payments. Systems and methods for management of virtual card numbers are also provided.