Digital Wallet Account Push for Multi-Wallet Card Updates

Resolve Bottlenecks,
Find Innovative SolutionsGenerate Solutions

Solution Overview

Problem

The process of adding or updating payment card information to multiple digital wallets is cumbersome and time-consuming, requiring users to log into each wallet separately and enter the information manually.

Innovation Solution

A digital wallet management system that allows users to select multiple digital wallets simultaneously, authenticate once, and automatically push account information, including payment card details, to all selected wallets through a centralized interface.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If users log into each digital wallet account separately to add or update payment card information, then each digital wallet can be securely managed independently, but the process becomes time-consuming and cumbersome

Engineering Contradiction:

Improvesecure management of digital walletsVSAvoidtime required to add or update payment card information

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The system performs preliminary authentication at a centralized account level before users need to access individual digital wallets. By authenticating users once at the account level, the system prepares and validates user credentials in advance, eliminating the need for repeated logins to each digital wallet and significantly reducing the time required to add or update payment card information across multiple wallets

Inventive Principle:

Principle #10Preliminary action

2Manufacturing precision

If users manually add payment card information to multiple digital wallets separately, then each wallet receives accurate information, but the process requires repeated manual entry and navigation

Engineering Contradiction:

Improveaccuracy of payment card informationVSAvoidease of adding payment card information to multiple wallets

Core Design Contradiction:

Manufacturing precisionVSEase of operation

Solution Approach 1:

The system merges the functionality of adding payment card information across multiple digital wallets into a single unified operation. Users select multiple digital wallets through a user interface, and the system combines these selections into one batch update process, automatically distributing the payment card information to all selected wallets simultaneously. This eliminates repeated manual entry while maintaining information accuracy through centralized processing

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The system introduces a centralized account management interface as an intermediary between users and multiple digital wallets. This intermediary layer allows users to select and manage multiple digital wallets from a single access point, facilitating the bulk addition or updating of payment card information across all selected wallets without requiring users to navigate each wallet separately

Inventive Principle:

Principle #24Intermediary (Mediator)

3Adaptability or versatility

If users access multiple digital wallet accounts to update payment card information, then all wallets can be updated, but the complexity of managing multiple logins increases

Engineering Contradiction:

Improveability to update multiple digital walletsVSAvoidcomplexity of authentication process

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The system implements a universal account-level authentication mechanism that serves multiple digital wallets simultaneously. A single authentication process at the account level provides access to and management capabilities for multiple digital wallets, eliminating the need for separate logins to each wallet. This multi-functional approach allows users to update payment card information across all their digital wallets through one unified authentication event, reducing complexity while maintaining the ability to manage multiple wallets

Inventive Principle:

Principle #6Universality (Multi-functionality)

Data Source

PatentUS12632852B2System and method for digital wallet management

Publication Date: 2026.05.19 THE TORONTO DOMINION BANK

AI summary

A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to provide, via the communications module and to a remote computing device, a signal causing the remote computing device to display an interface of a digital wallet management application, the interface allowing one or more digital wallets to be selected; receive, via the communications module and from the remote computing device, a signal indicating a selection of the one or more digital wallets; receive, via the communications module and from the remote computing device, a signal indicating a request to push account information to the selected one or more digital wallets; and send, via the communications module and to one or more servers associated with the one or more digital wallets, a signal configuring the one or more servers to add the account information to the one or more digital wallets.