MUMBAI, India, Nov. 7 -- Intellectual Property India has published a patent application (202517094665 A) filed by Capital One Services Llc, McLean, U.S.A., on Oct. 1, for 'systems and methods of secure merchant payment over messaging platform using a contactless card.'
Inventor(s) include Osborn, Kevin; Rule, Jeffrey; and Ilincic, Rajko.
The application for the patent was published on Nov. 7, under issue no. 45/2025.
According to the abstract released by the Intellectual Property India: "A method is provided including: receiving, by a server from a user device, a cryptogram of a contactless card, wherein the user device receives a payment request message from a merchant device, and the user device receives the cryptogram from a contactless card upon taping the contactless card to the user device by a user prompted by the payment request message; validating and decrypting, by the server, the cryptogram; extracting, by the server, from the decrypted cryptogram a unique customer identifier associated with the user; verifying, by the server, the unique customer identifier; retrieving, by the server from a database, account information of the user; and calling, by the sever, one or more application programming interfaces (APIs) of the merchant device to make a payment in response to the payment request message; and provisioning, by the server, the account information to the merchant device via the APIs."
The patent application was internationally filed on Mar. 12, 2024, under International application No.PCT/US2024/019523.
Disclaimer: Curated by HT Syndication.
