Digital Card Object Provisioning With Content Filter Validation

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Solution Overview

Problem

Users face challenges in managing and identifying multiple transaction cards due to the proliferation of physical and digital representations, as existing systems lack efficient methods for customizing and synchronizing card images across various platforms.

Innovation Solution

A provider institution computing system and client application enable the association of digital objects with transaction cards, applying filters to ensure compatibility, and provisioning these objects across multiple platforms, including physical and digital environments, through a centralized interface.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If users customize card images with specific images, then card identification and intrinsic value are improved, but content compliance and platform compatibility may deteriorate

Engineering Contradiction:

Improvecard identificationVSAvoidcontent compliance

Core Design Contradiction:

Ease of operationVSReliability

Solution Approach 1:

The system performs preliminary content validation by applying filters to the uploaded digital object before associating it with the card. This proactive approach checks for prohibited content in advance, ensuring compliance with platform requirements before the customization is finalized, thus maintaining both user convenience and content reliability

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The patent introduces a filtering system as an intermediary between the user's custom image and the card association process. This intermediary layer validates the image content against platform-specific prohibited content criteria, allowing the system to maintain content compliance without directly blocking user customization capabilities

Inventive Principle:

Principle #24Intermediary (Mediator)

2Adaptability or versatility

If multiple digital representations of cards are maintained, then transaction flexibility is improved, but tracking and management complexity increases

Engineering Contradiction:

Improvetransaction flexibilityVSAvoidcard tracking

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The system merges the management of multiple card digital representations into a unified interface where all card images and their associations are centralized. This consolidation allows users to view and manage multiple card representations in one place, reducing the complexity of tracking while maintaining the flexibility of having multiple digital card forms

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The patent creates a universal digital object that can serve multiple functions across different platforms and card representations. This single digital object can be associated with multiple card images and used across various transaction environments, simplifying management while maintaining versatility

Inventive Principle:

Principle #6Universality (Multi-functionality)

3Adaptability or versatility

If digital objects are provisioned across multiple platforms, then system versatility is improved, but processing requirements and time increase

Engineering Contradiction:

Improveplatform compatibilityVSAvoidprovisioning speed

Core Design Contradiction:

Adaptability or versatilityVSProductivity

Solution Approach 1:

The system performs preliminary filtering and validation of the digital object before provisioning it to multiple platforms. By applying content filters and validating compliance in advance, the system prepares the digital object once, then can efficiently distribute it across multiple platforms without repeating the validation process, thus improving provisioning speed while maintaining platform compatibility

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The patent creates a validated copy of the digital object that has already been filtered and approved. This approved copy can then be efficiently distributed to multiple platforms without requiring re-validation, reducing processing time and requirements while maintaining versatility across different platforms

Inventive Principle:

Principle #26Copying

Data Source

PatentUS12591878B2Systems and methods for enabling customized digital objects in multiple environments

Publication Date: 2026.03.31 WELLS FARGO BANK NA

AI summary

Systems and methods of enabling and providing digital objects across multiple environments are provided. A computer-implemented method includes: extracting image content from digital object; determining that the image content satisfies a filter, wherein the filter defines prohibited content for card images; in response to the determination that the image content satisfies the filter, causing, a provisioning of the digital object to an application to display the digital object as being associated with a card; receiving a credential associated with a third-party system depicting a digital representation of the card; providing the received credential to the third-party system depicting the digital representation of the card; and receiving an indication of a verification of the received credential and linking a provider institution computing system with the third-party system.