One-tap payment using a contactless card

US11455626B2 · kind B2 · 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: Nov 12, 2019
• Grant date: Sep 27, 2022
• Expiry date: Apr 8, 2041

Classification

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

Abstract

An authentication application may receive, from a merchant application of a client device, a merchant identifier, a transaction identifier of a transaction, encrypted data, and a location of the client device. The authentication application may decrypt the encrypted data based at least in part on a private key. The authentication application may determine that the contactless card has been used to make a previous purchase with the merchant and that the location of the client device is within a threshold distance of a known location associated with a contactless card. A virtual account number generator may generate a virtual account number and transmit the merchant identifier, the transaction identifier, the virtual account number, an expiration date, and a card verification value (CVV) to a merchant server associated with the merchant to process the transaction using the transaction identifier, the virtual account number, the expiration date, and the CVV.