Virtual ID Smart Wallet Sync for Multi-Account Updates

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Solution Overview

Problem

Users face the inconvenience and potential forgetfulness in updating user account information across multiple services due to changes in personal information, leading to account issues.

Innovation Solution

A system utilizing a virtual identification (ID), such as a mobile driver's license, stored in a smart wallet, compares user information with account information and automatically updates it when discrepancies are detected, facilitated by a smart wallet module, comparison module, and update module on client and server devices.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Measurement precision

If users manually update their account information across multiple services, then they can keep their information accurate, but it becomes repetitive and time-consuming

Engineering Contradiction:
Improveaccuracy of user account informationVSAvoidtime required for manual updates
Core Design Contradiction:
Measurement precisionVSLoss of time

Solution Approach 1:

The system enables automatic self-updating of user account information across multiple services. When a user updates their information in one service (e.g., driver's license), the system automatically propagates this updated information to all connected services without requiring manual intervention, thus maintaining accuracy while eliminating repetitive manual updates

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

The system establishes preliminary connections between multiple user accounts and services before actual updates occur. By pre-configuring the architecture with interconnected accounts that can automatically synchronize, the system prepares the infrastructure needed for seamless information propagation when updates happen

Inventive Principle:
Principle #10Preliminary action

2Measurement precision

If users manually update their account information, then they can maintain accuracy, but they may forget to update particular accounts

Engineering Contradiction:
Improveaccuracy of user account informationVSAvoidconsistency of information updates
Core Design Contradiction:
Measurement precisionVSReliability

Solution Approach 1:

The system eliminates human error and forgetfulness by implementing automatic self-updating mechanisms. When information changes in one service, the system automatically detects and propagates the update to all connected services, ensuring reliable and consistent information synchronization without relying on user memory or attention

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

The system implements continuous monitoring and feedback loops that detect changes in user information across services. When an update occurs, the system receives feedback about the change and automatically propagates it to connected services, creating a closed-loop system that ensures information consistency without human intervention

Inventive Principle:
Principle #23Feedback

3Productivity

If a system automatically updates user account information using virtual ID, then update efficiency improves, but system complexity increases

Engineering Contradiction:
Improvespeed of account information updateVSAvoidcomplexity of update system
Core Design Contradiction:
ProductivityVSDevice complexity

Solution Approach 1:

The system uses a universal virtual identification framework that serves multiple functions: it acts as the source of truth for user information, enables automatic propagation across services, and provides a standardized interface for information synchronization. This multi-functional approach achieves high update efficiency while managing complexity through a single unified mechanism

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

Solution Approach 2:

The virtual ID acts as an intermediary element between the user and multiple services. Instead of each service independently managing user information updates, the virtual ID serves as a central reference that automatically propagates changes, simplifying the overall system architecture while enabling efficient automatic updates

Inventive Principle:
Principle #24Intermediary (Mediator)

Data Source

PatentUS12561692B2Updating account information using virtual identification
Publication Date: 2026.02.24 WELLS FARGO BANK NA
  • US12561692B2 patent drawing
  • US12561692B2 patent drawing
  • US12561692B2 patent drawing

AI summary

An example computer system for updating user account information can include: one or more processors; and non-transitory computer-readable storage media encoding instructions which, when executed by the one or more processors, causes the computer system to: receive a virtual identification (ID), the virtual ID including user information; store the virtual ID within a smart wallet; connect one or more user accounts to the smart wallet; compare the user information of the virtual ID with second user information of the one or more user accounts; determine if the user information and the second user information are different; and update the one or more user accounts by replacing the second user information with the user information.