Assignment of near-field communications applets

Patent metadata

Field	Value
Publication number	US-12511638-B2
Application number	US-202318462714-A
Country	US
Kind code	B2
Filing date	Sep 7, 2023
Priority date	Sep 7, 2023
Publication date	Dec 30, 2025
Grant date	Dec 30, 2025

Abstract

A method, a system, and a computer program product for using contactless cards and mobile applications for selecting and using methods of payment for transactions. An identifier associated with a transaction is received. The transaction is configured to be executed using at least one computing device. One or more virtual identifiers are generated using the received identifier. At least one virtual identifier is selected and assigned to the transaction. Execution of the transaction is triggered by the computing device using the assigned virtual identifier.

First claim

What is claimed:

1 . A computer implemented method, comprising:
receiving, using at least one processor, an identifier associated with a transaction, the transaction is configured to be executed using at least one computing device communicatively coupled to the at least one processor; generating, using the at least one processor, using the received identifier, one or more virtual identifiers; selecting, using the at least one processor, at least one virtual identifier in the one or more virtual identifiers, the selected at least one virtual identifier being associated with a financial account selected from one or more financial accounts, and assigning the selected at least one virtual identifier to the transaction; and triggering, using the at least one processor, execution of the transaction by the at least one computing device using the assigned at least one virtual identifier.

2 . The method according to claim 1 , wherein the receiving includes receiving, using the at least one processor, the identifier from a contactless card communicatively coupled to the at least one processor, the contactless card storing the identifier.

3 . The method according to claim 2 , wherein the receiving includes executing a near-field communication (NFC) exchange between the contactless card and the at least one processor upon the contactless card being detected by the at least one processor to be located within a predetermined distance of the at least one processor.

4 . The method according to claim 3 , wherein the executing the NFC exchange includes triggering the at least one processor to generate at least one user interface, the at least one user interface receiving an input triggering the selecting.

5 . The method according to claim 4 , wherein the received identifier includes a contactless card number.

6 . The method according to claim 5 , wherein the contactless card number is associated with the one or more financial accounts, wherein the generated at least one user interface is configured to display each financial account in the one or more financial accounts in response to the executing of the NFC exchange.

7 . The method according to claim 6 , wherein the generated one or more virtual identifiers corresponding to the one or more financial accounts.

8 . The method according to claim 2 , wherein the contactless card includes at least one of the following: a credit card, a debit card, an electronic gift card, a pre-paid credit card, a pre-paid debit card, and any combination thereof.

9 . A system, comprising:
a mobile device including at least one processor; and at least one non-transitory storage media storing instructions, that when executed by the at least one processor, cause the at least one processor to generate one or more virtual identifiers using one or more identifiers associated with a transaction, the transaction is configured to be executed using at least one computing device communicatively coupled to the mobile device, wherein the one or more identifiers are received from a contactless card communicatively coupled to the mobile device, wherein at least one virtual identifier is selected from the one or more virtual identifiers, the selected at least one virtual identifier being associated with a financial account selected from one or more financial accounts, and assigned to the transaction; and trigger execution of the transaction by the at least one computing device using at least one virtual identifier in the one or more virtual identifiers.

10 . The system according to claim 9 , wherein the contactless card is configured to store the one or more identifiers.

11 . The system according to claim 9 , wherein a near-field communication (NFC) exchange is configured to be executed between the contactless card and the mobile device upon the contactless card being detected by the mobile device to be located within a predetermined distance of the mobile device.

12 . The system according to claim 11 , wherein execution of the NFC exchange triggers the mobile device to generate at least one user interface, the at least one user interface is configured to receive an input triggering selection of the at least one virtual identifier from the one or more virtual identifiers.

13 . The system according to claim 12 , wherein the one or more identifiers include a contactless card number.

14 . The system according to claim 13 , wherein the contactless card number is associated with the one or more financial accounts, wherein the at least one user interface is configured to display each financial account in the one or more financial accounts in response to execution of the NFC exchange.

15 . The system according to claim 14 , wherein the one or more virtual identifiers correspond to the one or more financial accounts.

16 . The system according to claim 9 , wherein the contactless card includes at least one of the following: a credit card, a debit card, an electronic gift card, a pre-paid credit card, a pre-paid debit card, and any combination thereof.

17 . A computer program product comprising a non-transitory machine-readable medium storing instructions that, when executed by at least one programmable processor, cause the at least one programmable processor to:
execute a near-field communication (NFC) exchange between a contactless card and a mobile device upon the contactless card being detected by the mobile device to be located within a predetermined distance of the mobile device; receive, in response to the executing of the NFC exchange, from the contactless card, one or more identifiers associated with a transaction, the transaction is configured to be executed using at least one computing device communicatively coupled to the mobile device; generate one or more virtual identifiers using the one or more identifiers associated with the transaction, the one or more virtual identifier being associated with one or more financial accounts, and displaying the one or more financial accounts on a user interface of the mobile device; select at least one virtual identifier in the one or more virtual identifiers, the selected at least one virtual identifier being associated with a financial account selected from the one or more financial accounts, and assign the selected at least one virtual identifier to the transaction; and trigger execution of the transaction by the at least one computing device using the assigned at least one virtual identifier.

18 . The computer program product according to claim 17 , wherein the one or more identifiers include a contactless card number.

19 . The computer program product according to claim 17 , wherein the contactless card includes at least one of the following: a credit card, a debit card, an electronic gift card, a pre-paid credit card, a pre-paid debit card, and any combination thereof.

Assignees

• Capital One Services Llc

Inventors

• Ferguson Dexter

Classifications

• G06Q20/3278 Primary

  RFID or NFC payments by means of M-devices · CPC title

• G06Q20/40145

  Biometric identity checks · CPC title

• G06Q20/4014

  Identity check for transactions · CPC title

• G06Q20/385

  using an alias or single-use codes · CPC title

• G06Q20/353

  Payments by cards read by M-devices · CPC title