Virtual Payment Card Issuance Through Avatar-Based 3D Interaction
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Existing payment device application and issuance processes are confusing, mundane, and lack interactive components for seamless user completion.
Innovation Solution
A computer-implemented method and system that utilizes a virtual environment with an interactive graphical user interface to allow users to select avatars, design components, and issue payment devices, integrating user data and motion detection for a seamless issuance process.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If traditional payment device application systems are used, then the issuance process can be completed, but the user experience is confusing and mundane without interactive components
Solution Approach 1:
The patent creates a virtual copy of the payment device application process in a metaverse environment. Users interact with virtual representations of payment devices, avatars, and design components rather than traditional forms. This virtual copying maintains the essential issuance function while dramatically improving user engagement and experience.
Solution Approach 2:
The patent transitions the payment device application from a two-dimensional screen interface to a three-dimensional immersive metaverse environment. Users can navigate virtual spaces, manipulate 3D payment device models, and interact with avatars, adding spatial depth and immersion to the previously flat application process.
2Productivity
If a virtual environment with motion detection is implemented, then user engagement improves, but system complexity increases
Solution Approach 1:
The patent replaces traditional mechanical input methods (keyboard, mouse clicks) with motion-based control in the metaverse. Motion detection sensors capture user gestures and movements, translating physical actions into digital selections and interactions. This substitution creates more intuitive and engaging user control while streamlining the issuance process.
Solution Approach 2:
The motion detection system enables users to naturally interact with the virtual environment using their own body movements without requiring learning of complex interfaces. The system automatically detects and interprets user intentions from motion data, allowing seamless self-service interaction that accelerates the payment device issuance process.
3Adaptability or versatility
If traditional application forms are used, then user data can be collected, but the process lacks interactivity and user customization options
Solution Approach 1:
The patent allows users to customize specific local aspects of their payment device in the metaverse, such as selecting different avatars, modifying design components, and choosing virtual representations. Each element can be independently customized while maintaining the overall issuance process structure, providing targeted adaptability without overwhelming complexity.
Data Source
AI summary
A computer-implemented method includes: receiving user identifying data; launching a virtual environment including an interactive graphical user interface configured to receive user selection inputs; in the virtual environment: receiving a first user selection input selecting an avatar corresponding to a payment device reward; associating the avatar and the payment device reward with the user; displaying payment device design components; receiving a second user selection input selecting a payment device design component; and associating the payment device design component with the user; and redirecting the user to an issuer system by communicating a payment device issuance request to generate and issue a payment device to the user, where the payment device issuance request contains at least one of the following: the user data, the first user selection input, the second user selection input, and/or any combination thereof.