Augmented Personal Messages for Interactive Stored-Value Cards

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Solution Overview

Problem

Stored-value cards sent in a digital format are typically two-dimensional and lack customization for the recipient, failing to provide a personalized experience.

Innovation Solution

A system and method that generates an augmented personal message by combining an audio component and a video component, featuring an actor performing a personalized message, which is displayed in augmented reality on a mobile device, allowing the recipient to add the stored-value card to a mobile wallet through a selectable interface element.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If stored-value cards are sent in a simple digital format, then the delivery process is efficient and straightforward, but the recipient experience lacks personalization and engagement

Engineering Contradiction:
Improvepersonalization capabilityVSAvoidmessage format complexity
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent transitions from two-dimensional static digital cards to multi-dimensional augmented reality experiences. The AR message layer is叠加 on top of the traditional card format, adding depth, interactivity, and personalization without replacing the core card functionality. This dimensional enhancement allows personalized video messages, animations, and interactive elements while maintaining the underlying card structure.

Inventive Principle:
Principle #17Another dimension (Dimensionality change)

Solution Approach 2:

The patent implements a nested structure where the traditional digital card contains an embedded AR message layer. The AR message is nested within the card's data structure, allowing the card to function as both a standalone value carrier and a container for personalized communications. This nesting enables the card to maintain its core functionality while incorporating enhanced personalization features.

Inventive Principle:
Principle #7Nested doll (Nesting)

2Ease of operation

If augmented reality elements are added to stored-value cards, then recipient engagement and personalization are enhanced, but the system complexity and processing requirements increase

Engineering Contradiction:
Improverecipient interaction experienceVSAvoidsystem processing complexity
Core Design Contradiction:
Ease of operationVSDevice complexity

Solution Approach 1:

The patent implements self-service mechanisms where the mobile device's camera and processing capabilities are utilized to render and display the AR content. The system leverages the recipient's existing device resources rather than requiring additional specialized hardware or complex server-side rendering. The card data structure automatically triggers AR content generation when scanned, reducing the need for manual intervention or complex processing orchestration.

Inventive Principle:
Principle #25Self-service

3Adaptability or versatility

If customizable audio-visual elements are integrated into stored-value cards, then the personalization capability is improved, but the data structure and processing requirements become more complex

Engineering Contradiction:
Improvecustomization capabilityVSAvoiddata structure overhead
Core Design Contradiction:
Adaptability or versatilityVSLoss of information

Solution Approach 1:

The patent segments the card data structure into distinct functional components: the core card information (value, identifier, terms), the AR message content (video, audio, text), and the configuration parameters (customization options, trigger conditions). This segmentation allows each component to be independently managed, stored, and processed, reducing the overhead of managing a monolithic complex structure while enabling extensive customization capabilities.

Inventive Principle:
Principle #1Segmentation

Data Source

PatentUS12443940B2System and method for providing an augmented personal message
Publication Date: 2025.10.14 THE TORONTO DOMINION BANK
  • US12443940B2 patent drawing
  • US12443940B2 patent drawing
  • US12443940B2 patent drawing

AI summary

A computer server system comprises a communications module, a processor, and memory. The processor, upon executing stored instructions, receives a request to send a stored-value card to a recipient, including a personal message and identifying an actor; generates an audio component based at least on the personal message; obtain at least one image of the actor and generate a video component by augmenting one or more features of the at least one image of the actor based on one of the personal message or the audio component; generate an augmented personal message by combining the audio component and the video component; and sends the augmented personal message to a mobile device of the recipient. The video component may be generated using at least one of image processing or one or more animation tools.