Digital Transaction Card Emulating Multiple Identities via Software
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Solution Overview
Problem
Current digital transaction systems face challenges in securely and efficiently managing multiple digital transaction documents on a single card, with limitations in adapting existing DTPUs to assume different personalities and high failure rates of complex electronic devices on credit cards, leading to increased fraud and inconvenience for users.
Innovation Solution
A digital transaction apparatus comprising a Data Assistance Device (DAD) and a Digital Transaction Card (DTC) with a DTPU that allows for data transfer and emulation of commands from digital transaction devices, enabling the DTC to selectively assume different personalities and operate as various digital transaction documents, including credit, debit, and identity cards, using a software-enhanced EMV device with Global Platform Standard commands.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If multiple digital transaction documents are managed on a single card with hardware modifications, then functionality is enhanced, but device complexity and failure rate increase
Solution Approach 1:
The patent uses software emulation to create virtual copies of multiple digital transaction documents within a single DTPU. Instead of adding physical hardware components, the system replicates the functionality of multiple cards through software-based emulated DTPUs, each capable of assuming different personalities (credit card, debit card, identity card, etc.). This approach achieves multi-personality capability without increasing physical device complexity or hardware failure rates.
2Adaptability or versatility
If existing DTPUs are adapted to assume different personalities, then versatility is improved, but reliability decreases due to high failure rates
Solution Approach 1:
The patent implements dynamic personality switching within the DTPU software layer. The emulated DTPU can dynamically assume different personalities (credit card, debit card, identity card, student card, etc.) based on transaction requirements without physical reconfiguration. This dynamic software-based adaptation maintains reliability by avoiding hardware modifications while providing versatile personality switching capability through controlled software state changes.
3Adaptability or versatility
If complex electronic devices are added to credit cards for multi-document functionality, then adaptability is improved, but ease of operation deteriorates due to high failure rates
Solution Approach 1:
The patent creates a universal DTPU platform that handles multiple document types (credit cards, debit cards, identity cards, student cards, etc.) through a single device. The emulated DTPU provides multi-functionality by allowing one physical card to perform the roles of multiple different transaction documents, eliminating the need for users to carry and manage separate physical cards for each document type, thereby improving ease of operation while maintaining adaptability.
Data Source
AI summary
Digital transaction apparatus including a Data Assistance Device (DAD), including a user interface that is operable to at least select data, and a DAD transmitter, a Digital Transaction Card (DTC), including a Digital Transaction Processing Unit (DTPU), and a DTC receiver, wherein the DAD and DTC are operable to transfer data from the DAD to the DTC and when subsequently using the DTC to effect a digital transaction, the DTC operates in accordance with data selected and transferred from the DAD to the DTC, wherein the DTPU is configured to enable data communication with a digital transaction device during a digital transaction, the DTPU operable to receive and execute one or more commands that emulate commands received from the digital transaction device.