One-tap payment using a contactless card

US10510074B1 · kind B1 · utility

Assignee

• CAPITAL ONE SERVICES, LLC · US

Inventors

• Jeffrey RULE · Chevy Chase Section Five, US
• Paul Moreton · Tuscaloosa, US
• Lea Cody · Arlington, US
• Colin Hart · Arlington, US
• Wayne LUTZ · Fort Washington, US

Key dates

• Filing date: Feb 1, 2019
• Grant date: Dec 17, 2019
• Expiry date: Feb 1, 2039

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/409
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

One-tap payment using a contactless card. An application may output an indication specifying to tap a contactless card to complete a transaction initiated in the application. The application may receive encrypted data generated by the contactless card based on a private key stored in the contactless card. The application may transmit a merchant identifier, a transaction identifier, and the encrypted data to an authentication server. The authentication server may verify the encrypted data based on the private key for the contactless card stored by the authentication server. A virtual account number server may generate a virtual account number. A merchant server may receive the merchant identifier, the transaction identifier, the virtual account number, an expiration date, and a card verification value (CVV), and process the transaction using the transaction identifier, the virtual account number, the expiration date, and the CVV.