Proxy Card Routing Across Multiple Funding Accounts

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Solution Overview

Problem

Managing multiple credit and debit cards is cumbersome, leading to potential loss, embarrassment during transactions, and difficulty in tracking balances, with existing systems failing to efficiently handle transactions across multiple accounts.

Innovation Solution

A multi-source processing system (MSPS) facilitates transactions using a proxy card associated with multiple monetary sources, managing interactions with various accounts, determining transaction rules, and providing authorization codes to complete transactions efficiently.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If a person carries multiple credit and debit cards in a wallet, then access to multiple monetary sources is enabled, but the wallet becomes heavy and cumbersome to manage

Engineering Contradiction:

Improveaccess to multiple monetary sourcesVSAvoidwallet weight

Core Design Contradiction:

Adaptability or versatilityVSWeight of moving object

Solution Approach 1:

The patent combines multiple separate credit and debit cards into a single proxy card that provides access to multiple monetary sources. The proxy card consolidates the functionality of numerous individual cards, allowing users to carry one lightweight card instead of multiple heavy cards in a wallet.

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The proxy card is designed with universal functionality to access multiple different monetary sources and accounts through a single card. It can represent various account types (checking, savings, credit, debit) from different financial institutions, making it a multi-functional replacement for multiple specialized cards.

Inventive Principle:

Principle #6Universality (Multi-functionality)

2Adaptability or versatility

If multiple cards are carried for different accounts, then comprehensive funds access is possible, but the risk of loss and theft increases

Engineering Contradiction:

Improvefunds access capabilityVSAvoidrisk of loss and theft

Core Design Contradiction:

Adaptability or versatilityVSObject-affected harmful factors

Solution Approach 1:

The patent merges multiple high-value cards into one proxy card, thereby concentrating the access capability while reducing the total surface area and probability of loss. Instead of carrying several cards that could individually be lost or stolen, the user carries one consolidated card that represents all accounts.

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The proxy card acts as an intermediary between the user and multiple financial accounts. It provides a single point of contact that can be tracked and managed centrally, reducing the complexity and risk associated with managing multiple separate cards across different institutions.

Inventive Principle:

Principle #24Intermediary (Mediator)

3Reliability

If multiple cards are used for transactions, then sufficient funds can be found, but tracking balances and managing accounts becomes difficult

Engineering Contradiction:

Improvetransaction success rateVSAvoidaccount management complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The proxy card provides universal access to multiple account types and financial institutions through a single interface. Users can manage checking, savings, credit, and debit accounts from different banks using one card, significantly reducing the complexity of account management while maintaining the ability to find sufficient funds for transactions.

Inventive Principle:

Principle #6Universality (Multi-functionality)

Solution Approach 2:

The system provides feedback mechanisms that allow users to track balances and transaction status across all linked accounts through a centralized interface. This feedback system helps users monitor their financial status across multiple accounts without the complexity of manually checking each card and account separately.

Inventive Principle:

Principle #23Feedback

4Reliability

If a lost card needs to be cancelled, then security is maintained, but the process becomes complex and costly

Engineering Contradiction:

Improvesecurity maintenanceVSAvoidcard cancellation time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The patent consolidates multiple card cancellation operations into a single action. When the proxy card is lost or stolen, the user can cancel or suspend access to all linked accounts through one centralized process, eliminating the need to contact multiple card issuers separately and significantly reducing the time and cost of the cancellation process.

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The proxy card system acts as an intermediary that provides centralized control over multiple accounts. This intermediary structure enables a single point of failure management, where losing the proxy card triggers a unified security response across all linked financial institutions, simplifying the security maintenance process.

Inventive Principle:

Principle #24Intermediary (Mediator)

Data Source

PatentUS20260010893A1Proxy card management system

Publication Date: 2026.01.08 PAYPULZ LLC

AI summary

A proxy card used at an ATM, or at any vendor store, that has a legacy point of sale unit or at a store with the smart point of sale. In general, it can be used with any vendor and otherwise as any credit or debit card might be used. The point-of sale unit interacts with a multi-source processing system (MSPS) that, instead of servicing a single money source, interacts with more than one of a plurality of monetary sources that may be associated with the proxy card. The money transferred from credit or debit accounts of the user may be either transferred directly or indirectly via a proxy central account associated with the MSPS that a user maintains.