Multi-Account Access Card With Display And Wireless Link
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Solution Overview
Problem
Users face inconvenience in managing multiple accounts as they often need to carry various cards, leading to issues like leaving cards at home and difficulty in accessing them when needed, and existing multi-account cards lack desirable features.
Innovation Solution
A system and method for an access device, such as a card, equipped with a processor, memory, selection device, display, and wireless transmitter/receiver, allowing users to select and manage multiple accounts, with a server for configuration and communication, enabling easy access and management of accounts through a user interface.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If users carry multiple cards to access different accounts, then account accessibility is improved, but portability and convenience deteriorate
Solution Approach 1:
The patent combines multiple account access functions into a single card device. The card stores multiple account identifiers and can switch between different accounts, merging the functionality of multiple separate cards into one unified device that provides both versatility and convenience.
Solution Approach 2:
The card is designed as a universal access device that can handle multiple types of accounts (credit, debit, savings, etc.) through a single interface. The card reader can identify and process different account types, making the card multi-functional rather than specialized for a single purpose.
2Ease of operation
If users leave cards at home to avoid carrying them, then portability is improved, but account accessibility deteriorates
Solution Approach 1:
By consolidating multiple account access capabilities into one card, users can carry a single lightweight device instead of multiple cards. This maintains portability while ensuring that all necessary accounts are accessible from the single card, eliminating the need to leave cards at home.
3Adaptability or versatility
If existing multi-account cards are used, then account management is improved, but user experience and security deteriorate
Solution Approach 1:
The card includes a display that provides visual feedback to the user, showing which account is currently selected and allowing the user to navigate between accounts. This feedback mechanism improves the user experience by making account selection intuitive and transparent, rather than requiring the user to remember which account is active.
4Adaptability or versatility
If existing multi-account cards are used, then account selection capability is improved, but security and reliability deteriorate
Solution Approach 1:
The display provides visual confirmation of account selection and transaction details, creating a feedback loop that reduces errors and enhances security. Users can verify that the correct account is being accessed, preventing unauthorized or mistaken transactions while maintaining multi-account capability.
Data Source
AI summary
The invention relates to a system and method for accessing multiple accounts. According to one embodiment, the system includes an access device comprising a body in the form of a card; a processor housed in the body; a memory housed in the body and connected to the processor, wherein the memory stores information on the multiple accounts; a selection device housed in the body and adapted to allow a user to select one of the multiple accounts; a display housed in the body for displaying information identifying the selected account, wherein the processor is programmed to generate a signal to generate the information identifying the selected account in response to a user selecting one of the multiple accounts using the selection device; and a wireless transmitter and a wireless receiver housed in the body and connected to the processor. The system may also include a server that communicates with the access device and with the user, wherein the server communicates with a second wireless transmitter and second wireless receiver that communicate wirelessly with the access device, and the server is adapted to send and receive electronic signals over network to the user.