Digital Card Asset Construction API for Issuer Branding Compliance

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Solution Overview

Problem

Payment card issuers face challenges in creating and updating digital payment card assets that conform to network standards and branding requirements, and in efficiently delivering these assets to various platforms and devices, such as e-commerce websites and mobile devices, without requiring manual resizing and resolution data.

Innovation Solution

A card creation API and web tool that allows issuers to generate digital payment card assets with real-time rendering and automatic compliance with branding guidelines and network standards, enabling the creation of customizable card art files that can be displayed across multiple form factors and platforms, with the ability to update images centrally and automatically distribute them to digital stores and wallet providers.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Manufacturing precision

If manual creation and distribution of digital payment card assets is performed for each platform and device, then customization and compliance can be achieved, but time consumption and operational complexity increase significantly

Engineering Contradiction:

Improvecompliance with branding and network standardsVSAvoidtime for creating and distributing card assets

Core Design Contradiction:

Manufacturing precisionVSLoss of time

Solution Approach 1:

The system pre-establishes branding guidelines, network standards, and design templates before actual card asset creation. By pre-configuring compliance rules and design parameters, the system automatically ensures standards compliance while eliminating the need for manual adjustments during distribution across different platforms.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The digital payment card asset management system serves multiple functions: it creates card assets, validates compliance with branding and network standards, optimizes for different form factors, and distributes to multiple platforms simultaneously. This multi-functional approach replaces multiple manual processes with a single automated system.

Inventive Principle:

Principle #6Universality (Multi-functionality)

2Adaptability or versatility

If digital payment card assets are created for multiple form factors and platforms, then versatility and adaptability improve, but the complexity of managing different resolutions and specifications increases

Engineering Contradiction:

Improvecompatibility across form factors and platformsVSAvoidcomplexity of managing asset specifications

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The system automatically adjusts parameters such as resolution, dimensions, and file format based on the target platform and form factor. By dynamically changing these parameters through automated rules, the system maintains versatility across devices while eliminating the need for manual specification management.

Inventive Principle:

Principle #35Parameter changes

Solution Approach 2:

The system segments the card asset into different resolution versions and format variations, each optimized for specific platforms. This segmentation allows automatic selection and distribution of appropriate asset versions without requiring manual intervention for each platform's specific requirements.

Inventive Principle:

Principle #1Segmentation

3Productivity

If centralized management of payment card assets is implemented, then update efficiency improves, but the requirement for automated distribution systems increases complexity

Engineering Contradiction:

Improvespeed of updating card assetsVSAvoidcomplexity of distribution infrastructure

Core Design Contradiction:

ProductivityVSDevice complexity

Solution Approach 1:

The system introduces an automated distribution server as an intermediary between the centralized asset management system and multiple digital platforms. This intermediary handles the complexity of distribution protocols and platform-specific requirements, allowing fast centralized updates while managing infrastructure complexity through automation.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The system implements feedback mechanisms where the distribution system automatically confirms successful asset delivery to various platforms and reports errors. This automated feedback loop enables rapid updates with confidence in delivery success without requiring manual verification, thus improving productivity while managing complexity through automation.

Inventive Principle:

Principle #23Feedback

Data Source

PatentUS11354650B2Payment card asset construction service

Publication Date: 2022.06.07 MASTERCARD INT INC

AI summary

Apparatus and methods for providing a digital card asset construction service. In and embodiment, a digital card asset service computer provides access to a digital card asset application user interface (API) to an issuer device, then receives a request from a user to construct or update a digital payment card product and receives card art data for the digital payment card product responsive to one or more queries presented by the digital card asset API. The process also includes receiving, by the digital card asset service computer from the issuer device, digital payment card product characteristics data responsive to at least one digital payment card product characteristic query, transmitting computer executable instructions to the issuer device for rendering an image of a payment card on a display screen of the issuer device as the user inputs data, then receiving an indication that the user is finished inputting data, and lastly storing a payment card product data file that includes card art data and payment card product characteristics data to a cloud service.