Digital transaction apparatus, system, and method with a virtual companion card

A Digital Transaction Card (DTC) can dynamically change its function or "personality." It does this by loading different software packages, called Modified Virtual Card Profiles (MVCPs), onto its internal hardware and software. These profiles allow the card to act like various payment or identity cards.

Why it matters: The secure and standardized distribution of virtual card profiles to physical cards, as described by the MVCP infrastructure, remains a complex ecosystem challenge. Little has changed in this regard since the 2023 filing.

Status: ExpiredProtection ended and was never renewed
How hard to build: SpecializedCustom card hardware, software system

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