Gesture-Based Virtual Card Sharing Without Exposing Account Data

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Solution Overview

Problem

Transaction cards are vulnerable to theft and fraud, and sharing them with others poses security risks due to the need to disclose account information.

Innovation Solution

Transaction cards and associated mobile devices utilize gesture-based preauthorization and unlocking mechanisms, allowing users to customize locking conditions and share virtual cards securely.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If transaction cards share account information with others, then sharing capability is improved, but security and fraud risk worsen

Engineering Contradiction:

Improvesharing capabilityVSAvoidfraud risk

Core Design Contradiction:

Adaptability or versatilityVSObject-affected harmful factors

Solution Approach 1:

The patent segments the card functionality by implementing separate locked and unlocked states. The card account information is segmented into protected elements that remain secure and exposed elements that can be safely shared. This allows the card to be shared with others while maintaining security through state-based control mechanisms.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The patent implements dynamic state transitions between locked and unlocked states based on trigger events. The card's sharing capability is dynamically controlled - it can transition from a secure locked state to a shared unlocked state when authorized, and back to locked state when needed. This dynamic behavior resolves the contradiction by making sharing conditional rather than static.

Inventive Principle:

Principle #15Dynamics

2Object-affected harmful factors

If transaction cards are locked by default, then security is improved, but ease of operation worsens

Engineering Contradiction:

ImprovesecurityVSAvoidease of operation

Core Design Contradiction:

Object-affected harmful factorsVSEase of operation

Solution Approach 1:

The card is pre-configured in a locked state with predefined trigger events that will automatically unlock it. This preliminary action ensures security is maintained by default, while the pre-set trigger events (such as tapping the card or receiving a notification) provide convenient automatic unlocking mechanisms that don't require complex user actions.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The card implements self-service unlocking through automatic state transitions based on detected trigger events. When the card detects a authorized trigger event (like being tapped by another card or receiving a remote signal), it automatically transitions from locked to unlocked state without requiring manual intervention. This maintains security while providing ease of operation through automation.

Inventive Principle:

Principle #25Self-service

Data Source

PatentUS12469022B2Systems and methods for sharing a virtual card

Publication Date: 2025.11.11 CAPITAL ONE SERVICES LLC

AI summary

Disclosed embodiments may include systems and methods for utilizing gesture-based transaction cards. Examples include: first, using a mobile device to preauthorize transaction cards to enter an unlocked state before making a purchase by making a gesture with the transaction card toward the mobile device. Second, using a first transaction card to change an authorization condition of a second transaction card associated with the same account by making a gesture from the first transaction card to the second transaction card. Third, using a first transaction card to distribute a predebited virtual card to the user device of a second user by making a gesture from the first transaction card to the user device of the second user. Additionally, the primary user may be able to upload new authorization conditions to the transaction card and control the system through a related mobile application on a connected mobile device.