Systems and methods for multicomputer data transferring to activate contactless communication

Patent metadata

Field	Value
Publication number	US-11928667-B2
Application number	US-202117530224-A
Country	US
Kind code	B2
Filing date	Nov 18, 2021
Priority date	Oct 23, 2018
Publication date	Mar 12, 2024
Grant date	Mar 12, 2024

Abstract

The present disclosure relates to systems and methods for using multicomputer data transferring to active contactless communication. In one example, such a system may include at least one memory storing instructions and at least one processor configured to execute the instructions to perform one or more operations, the operations including: receiving a transaction associated with a merchant on a list of merchants stored in the at least one memory; determining, based on the merchant, a remote server associated with the merchant; assembling a data packet including an identifier of the contactless card and an identifier of the transaction; transmitting the data packet to the determined server across one or more computer networks; receiving confirmation from the determined sever in response to the data packet; and transmitting the confirmation to a user device associated with the transaction.

First claim

What is claimed is:

1. A system for using multicomputer data transferring to activate a contactless user device, the system comprising:
a first server associated with the contactless user device, the first server being in data communication with a second server, and
the second server associated with a reader device, the second server being in data communication with the first server;
wherein the first server is configured to perform operations comprising:
receiving a transaction initiated by the user contactless device, wherein the transaction corresponds to an access request,
retrieving, in response to the transaction, an identifier of the second server from a merchant database, based on the transaction,
assembling a data packet comprising an identifier of the user contactless device and a transaction identifier associated with the transaction, and
transmitting the data packet, via an application programming interface (API) call, to the second server,

wherein the second server, in response to receiving, via the API call, the data packet, is configured to perform operations comprising:
retrieving an identifier of the reader device from a reader database based on the received data packet,
generating an authorization response comprising a reader access code associated with the reader device and the identifier of the user contactless device,
transmitting the authorization response to the reader device based on the retrieved identifier of the reader device, and
transmitting the reader access code to the first server,

wherein the first server, upon receiving the authorization response, is configured to perform further operations comprising:
transmitting the reader access code to the user contactless device, wherein the user contactless device transmits the reader access code to the reader device to authorize the access request associated with the transaction.

2. The system of claim 1 , wherein:
the operations performed by the first server further comprise transmitting credentials to the second server, wherein the credentials comprise credential information associated with a purchaser of the transaction.

3. The system of claim 2 , wherein the credentials comprise an authorization previously provided from the second server.

4. The system of claim 2 , wherein the operations performed by the first server further comprise receiving a request for the credentials from the second server.

5. The system of claim 1 , wherein the reader access code, included in the authorization response from the second server is retrieved from a reader database, wherein the reader database stores a plurality of reader access codes associated with a plurality of reader devices disposed at one or more locations.

6. The system of claim 1 , wherein the merchant database stores locations of one or more servers associated with one or more merchants.

7. The system of claim 1 , wherein the user contactless device corresponds to a contactless card, and wherein the system further comprises:
the contactless card comprises:
a transponder configured for near field communication;
a wireless communicator; and
a control circuit comprising a microprocessor, wherein the control circuit is in data communication with the transponder and the wireless communicator.

8. The system of claim 7 , wherein the contactless card further comprises a battery configured to provide power to the transponder, the control circuit, and the wireless communicator.

9. The system of claim 1 , wherein operations performed by the first processor further comprise:
receiving an encryption key from a previously exchanged key between the first server, and
encrypting the data packet using the encryption key.

10. The system of claim 9 , wherein the encryption key is received from a key distribution center.

11. A method for activating a contactless card with merchant-provided access codes, the method comprising:
receiving, by a first server, a transaction initiated by the contactless card, wherein the transaction corresponds to an access request;
retrieving, by the first server responsive to the transaction, an identifier of a second server from a merchant database based on the transaction, wherein the second server stores the one or more merchant-provided access codes;
assembling, by the first server, a data packet comprising an identifier of the contactless card, and a transaction identifier associated with the transaction;
transmitting the data packet, by the first server via an application programming interface (API) call, to the second server;
in response to receiving, by the second server via the API call, the data packet:
retrieving, by the second server, an identifier of a reader device from a reader database based on the received data packet;
generating, by the second server, an authorization response, wherein the authorization response comprises a reader access code, and the identifier of the contactless card, wherein the reader access code is one of the merchant-provided access codes;
transmitting, by the second server, the authorization response to the reader device based on the retrieved identifier of the reader device;
transmitting, by the second server, the reader access code to the first server; and

upon receiving the reader access code, transmitting, by the first server, the reader access code to the contactless card, wherein the contactless card transmits the reader access code to the reader device to authorize the access request associated with the transaction.

12. The method of claim 11 , wherein the reader access code is associated with a predetermined period of time.

13. The method of claim 11 ,
wherein the reader access code is associated with the identifier of the reader device.

14. The method of claim 13 , wherein
the reader access code is further associated with a predetermined period of time.

15. The method of claim 11 , wherein the identifier of the contactless card comprises at least one of a serial number of the contactless card, a serial number of a component of the contactless card, or a universally unique identifier (UUID) associated with the contactless card.

16. The method of claim 12 , wherein the reader access code is associated with a predetermined number of transmissions.

17. A system, comprising:
a contactless card, comprising:
a transponder configured for near field communication;
a wireless communicator;
a control circuit comprising a microprocessor, wherein the control circuit is in data communication with the transponder and the wireless communicator; and

a first server comprising a first processor, a first memory, and a first network controller; and
a second server comprising a second processor, a second memory, and a second network controller, wherein second server is in data communication with the first server;
a merchant database in data communication with the first server, wherein the merchant database stores locations of one or more servers associated with one or more merchants; and
a reader database in data communication with the second server, wherein the reader database stores one or more transaction properties associated with one or more locations of reader devices,
wherein, the first memory storing instructions that, when executed by the first processor, cause the first processor to perform operations comprising:
receiving a transaction initiated by the contactless card, the transaction corresponding to an access request,
in responsive to the transaction, retrieve an identifier of the second server from the merchant database,
assembling

Assignees

• Capital One Services Llc

Inventors

• Koeppel Adam
• Johnson Molly
• LOCKE Tyler
• ZARAKAS James
• Kelly Kevin
• SANGI Saleem
• Perry Robert

Classifications

• G06Q20/354 Primary

  Card activation or deactivation · CPC title

• G06F21/35

  communicating wirelessly · CPC title

• G06Q20/322

  Aspects of commerce using mobile devices [M-devices] · CPC title

• G06Q20/327

  Short range or proximity payments by means of M-devices · CPC title

• G06Q20/352

  Contactless payments by cards · CPC title