Check patentability & draft patents in minutes with Patsnap Eureka AI!

One-tap payment using a contactless card

A non-contact, transactional technology, applied in the field of computing platforms, can solve problems such as security risks and errors

Pending Publication Date: 2021-08-17
CAPITAL ONE SERVICES
View PDF1 Cites 0 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, users often make mistakes when entering their payment information
Additionally, sending payment information via user devices may pose a security risk

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • One-tap payment using a contactless card
  • One-tap payment using a contactless card
  • One-tap payment using a contactless card

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0013] Embodiments disclosed herein provide safety techniques for touched payment using non-contact cards. For example, when a merchant application executed on a computing device, the user can select one or more items to purchase. The user can then take their non-contact card light to the computing device, which can cause non-contact card to enter the communication range of the computing device. This will result in a non-contact card generation to be sent to the encrypted data of the computing device. The merchant application can receive encrypted data generated by the non-contact card and send the encrypted data to the authentication server for verification. The merchant application can further transmit an indication of the merchant identifier and / or transaction identifier of the encrypted data. Once verified, the authentication server can indicate that the virtual account server generates a card data for the account associated with the non-contact card. The card data can inclu...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

PUM

No PUM Login to View More

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.

Description

Technical field [0001] Embodiments of this article generally relate to computing platforms, and more particularly to a non-contact card light shot (TAP) to the computing device to perform a touch (One-TAP) payment. [0002] Related application [0003] The present application claims priority to U.S. Patent Application Serial No. 16 / 265,974, submitted in "One-Tap Payment US A Contactless", filed on February 1, 2019. The content of the above application is incorporated herein by reference. Background technique [0004] Users often use the online software platform to complete the transaction. Conventionally, the user must manually enter all relevant payment information to complete the transaction in the online software platform. However, the user will often be wrong when entering its payment information. In addition, sending payment information via user devices may cause security risks. Inventive content [0005] The embodiments disclosed herein provide systems, methods, articles...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

Application Information

Patent Timeline
no application Login to View More
IPC IPC(8): G06Q20/12G06Q20/38G06Q20/40G06Q20/32G06Q20/34
CPCG06Q20/322G06Q20/34G06Q20/40G06Q20/12G06Q20/3825G06Q20/4018G06Q20/385G06Q20/3226G06Q20/353G06Q20/352G06Q20/3829G06Q20/4014G06Q20/409G06Q20/3221G06Q20/3278
Inventor 杰弗里·鲁尔保罗·莫尔顿丽娅·科迪科林·哈特韦恩·卢茨
Owner CAPITAL ONE SERVICES
Features
  • R&D
  • Intellectual Property
  • Life Sciences
  • Materials
  • Tech Scout
Why Patsnap Eureka
  • Unparalleled Data Quality
  • Higher Quality Content
  • 60% Fewer Hallucinations
Social media
Patsnap Eureka Blog
Learn More

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic, Popular Technical Reports.

© 2025 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap|About US| Contact US: help@patsnap.com