Real-Time Card Number Provisioning via Segmented Banking Architecture
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Solution Overview
Problem
Conventional banking and payment computing infrastructures are limited in providing robust and sophisticated features due to their monolithic nature, which restricts users from accessing advanced functionalities, such as real-time provisioning of new card numbers and efficient fraud protection.
Innovation Solution
A consumer computing system is integrated within the banking infrastructure to generate and provision new card numbers in real-time, enabling active card usage on devices without physical cards, and employs advanced server behaviors for improved fraud protection.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If conventional monolithic banking systems are used, then system stability and security are maintained, but feature sophistication and programmability are limited
Solution Approach 1:
The patent segments the monolithic banking system into distinct layers: a core banking system that maintains stability and security, and a separate feature provisioning system that enables sophisticated features through virtual account numbers and programmable interfaces. This allows each component to operate independently with optimized characteristics.
Solution Approach 2:
The patent introduces an intermediary layer (feature provisioning system) between the core banking system and users. This intermediary translates high-level feature requests into core system operations, enabling sophisticated features without modifying the stable core infrastructure.
2Speed
If physical card delivery and manual activation processes are used, then security is maintained, but user experience and activation speed are reduced
Solution Approach 1:
The system performs preliminary provisioning of virtual account numbers and cryptographic tokens before physical cards are delivered. Users can activate and use virtual cards immediately through the application, while physical card delivery is handled separately in the background, eliminating the sequential dependency that slowed activation.
Solution Approach 2:
The patent creates virtual copies (digital representations) of card functionality that can be activated and used immediately without waiting for physical card delivery. These virtual cards are cryptographic tokens that replicate card functions in the digital realm, providing immediate usability.
3Adaptability or versatility
If third-party services gather transaction data from external systems, then new features are provided, but feature sophistication and capabilities are limited
Solution Approach 1:
The patent creates a universal feature provisioning system that can serve multiple purposes: providing virtual card numbers, generating cryptographic tokens, enabling real-time transactions, and supporting various third-party applications. This single system handles diverse feature requirements that previously required multiple separate data gathering approaches.
Data Source
AI summary
Disclosed herein are systems and methods for real-time provisioning of new card numbers to users of a consumer computing system. A consumer computing system (“CCS”) may have servers and databases situated within a banking infrastructure in order to provide various features to users via a software application executed by a client device. The software application may interact with the CCS servers, such that the CCS servers and the software application offer the client device and the user certain features not ordinarily available in conventional banking infrastructures. These features may include the real-time provisioning of card numbers for a user's banking account. In operation, the client device may submit a request for a new card number to a CCS server, which may be generated in real-time and active in the payment stream when the card number is generated.