Technology for performing tap-to-pay operations in iOS and Android operating system environments

JP2025522445A5Pending Publication Date: 2026-06-22CAPITAL ONE SERVICES LLC
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Patent Information

Authority / Receiving Office
JP · JP
Patent Type
Applications
Current Assignee / Owner
CAPITAL ONE SERVICES LLC
Filing Date
2023-06-13
Publication Date
2026-06-22

AI Technical Summary

Technical Problem

Users face difficulties in accurately entering payment card account identifiers on computing devices, leading to errors and security risks, and online transactions are often treated as 'card not present' transactions, incurring higher fees and fraud risks.

Method used

A software development kit (SDK) facilitates tap-to-pay operations by receiving a URL for a transaction, presenting an interface, receiving payment information from a contactless card, and securely processing it through an authentication server to generate a virtual card number for automated payment, ensuring card-present transactions and reducing fraud.

Benefits of technology

The SDK enables secure, automated payment processes that minimize fraud risks and reduce transaction fees by leveraging contactless card technology, allowing seamless integration with mobile web browsers without requiring extensive application integration.

✦ Generated by Eureka AI based on patent content.

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Abstract

The software development kit (SDK) within the application can receive the selection of a Uniform Resource Locator (URL) in a form regarding a transaction. The SDK can present an SDK interface overlaid on the application. The SDK can receive the selection of interface elements within the SDK interface. The SDK can present commands to the SDK interface. The SDK may receive payment information and a ciphertext from a contactless card and send the ciphertext to the server. The SDK can receive a result indicating that the server has decrypted the ciphertext and present a permission element. The SDK can input payment information into one or more fields of the form and receive an input specifying to process a transaction using the payment information. The application can send the payment information to a server associated with the seller to process the transaction.
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