Spatial Computing Smart Card Control for Real-Time Property Changes

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Solution Overview

Problem

Existing credit cards lack the ability to modify properties and settings in real-time, requiring manual alteration through entity websites or customer service, which is inconvenient and inefficient.

Innovation Solution

A spatial computing device, equipped with extended reality technology, enables users to modify smart card properties such as geofencing, locking, transferring funds, and customization through gestures and interactions, communicating with an entity server to update card settings in real-time.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If credit card properties are modified through entity website or customer service, then card property modification is achieved, but user convenience and operation speed deteriorate

Engineering Contradiction:
Improvecard property modification convenienceVSAvoidtime required for property modification
Core Design Contradiction:
Ease of operationVSLoss of time

Solution Approach 1:

The system enables users to independently modify their own card properties through the spatial computing device without requiring customer service intervention. Users can access their card information, view available modification options, and implement changes directly through gesture-based interactions, making the service self-sufficient and eliminating dependency on external support channels.

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

The patent replaces traditional mechanical interaction methods (website navigation, phone calls, physical forms) with spatial computing and gesture recognition technology. Users interact with card properties through natural hand gestures in three-dimensional space, which are captured by the spatial computing device and translated into modification commands, substituting cumbersome mechanical processes with intuitive spatial interactions.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

2Adaptability or versatility

If traditional credit card interfaces are used, then device simplicity is maintained, but user interaction capability and information presentation deteriorate

Engineering Contradiction:
Improveinteraction capabilityVSAvoidinterface complexity
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent transitions from two-dimensional flat card interfaces to three-dimensional spatial interactions. Card information and modification options are presented in immersive 3D space that users can navigate and manipulate with hand gestures, adding a spatial dimension to the interaction paradigm while maintaining the fundamental card functionality.

Inventive Principle:
Principle #17Another dimension (Dimensionality change)

Solution Approach 2:

The spatial computing device serves multiple functions beyond simple card display, including gesture recognition, 3D information presentation, real-time property modification, and secure authentication. The system integrates these diverse functions into a unified interface that adapts to different user needs while maintaining a consistent interaction model.

Inventive Principle:
Principle #6Universality (Multi-functionality)

Data Source

PatentUS20250298876A1Leveraging spatial computing to modify smart card properties
Publication Date: 2025.09.25 BANK OF AMERICA CORP
  • US20250298876A1 patent drawing
  • US20250298876A1 patent drawing
  • US20250298876A1 patent drawing

AI summary

A method for modifying smart card properties of a smart card leveraging a spatial computing device is provided. The spatial computing device may be in electronic communication with an entity server. The method may include identifying the smart card within a field of view of the spatial computing device. The method may include establishing a wireless communication between the smart card and the spatial computing device. The method may further include generating a digital copy of the smart card and displaying the digital copy of the smart card on a display of the spatial computing device. The method may further include displaying a plurality of selectable options for modifying card properties of the smart card and in response to a detection of a selection of one of the selectable options, transmitting a request to the entity server to modify a property of the smart card based on the selected option.