Single Card Multi-Account Access via Communication Manager
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Solution Overview
Problem
The proliferation of various cards for different accounts, such as financial and loyalty programs, leads to clutter and confusion for users, who must carry and manage multiple cards, remember PIN numbers, and navigate complex security protocols for each account.
Innovation Solution
A multi-account access system that uses a single card with embedded information, including account numbers and security mechanisms, to facilitate access to multiple accounts through a communication manager that manages communication protocols and security measures, allowing users to select the desired account and action for transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If multiple separate cards are used for different accounts, then each account can be accessed with dedicated security measures, but users experience clutter and confusion from carrying and managing multiple cards
Solution Approach 1:
The patent combines multiple separate account cards into a single multi-functional card that can access multiple accounts. The card contains multiple account identifiers and the system integrates multiple account access functions into one physical object, eliminating the need to carry separate cards for different accounts while maintaining security through encrypted communication protocols.
Solution Approach 2:
The card is designed with universal functionality to access multiple types of accounts including financial accounts, loyalty programs, and gaming accounts. The system allows the single card to perform multiple functions by storing different account identifiers and enabling communication with various account systems through standardized encrypted protocols.
2Reliability
If multiple cards with separate security protocols are used, then each account maintains its security measures, but users must remember multiple PIN numbers and access codes
Solution Approach 1:
The system introduces an intermediary communication manager that handles security protocols and account verification. Instead of requiring users to manage multiple PINs and security codes directly, the communication manager acts as an intermediary that manages the complexity of security protocols, encrypted communication, and account verification processes behind the scenes.
Solution Approach 2:
The system changes the security parameter from requiring multiple different PINs and codes to using a single card identifier combined with encrypted communication protocols. The security approach shifts from multiple static secrets to dynamic encrypted communication, reducing the burden on users while maintaining robust data protection.
3Ease of operation
If a single card stores multiple account identifiers, then users gain convenience and flexibility, but the card and system must handle increased information storage and communication complexity
Solution Approach 1:
The system segments the card information into distinct account identifiers and uses a communication manager to handle each account separately. Rather than treating all account information as a single complex block, the system divides the information structure into manageable segments that can be individually accessed and communicated, reducing the overall complexity of information storage and retrieval.
Solution Approach 2:
The communication manager serves as an intermediary that manages the complexity of storing and communicating multiple account identifiers. It handles the coordination between the single card and multiple account systems, managing encrypted communication protocols and account verification processes, thereby reducing the apparent complexity for the user while maintaining robust security.
Data Source
AI summary
A user is able to access multiple accounts located at and/or managed by different organizations, by providing secure exchanges of necessary information so that multiple login details are not necessary. The system coordinates activities between several entities using a communication manager which is configured to manage communication protocols, security and necessary interface requirements so the user can securely access the desired accounts. In addition, the communication manager will include various levels of security measures, including encryption, transaction verification, etc. By managing these details within the communication manager, the user will not need to provide multiple PIN numbers or access codes each time a transaction is desired.