Registering new contactless cards to existing account

Patent metadata

Field	Value
Publication number	US-2025232366-A1
Application number	US-202418413696-A
Country	US
Kind code	A1
Filing date	Jan 16, 2024
Priority date	Jan 16, 2024
Publication date	Jul 17, 2025
Grant date	—

Abstract

Methods, techniques, and embodiments are generally directed to systems for receiving a request from an authenticated computing application to associate a contactless card with an account. The systems then authenticate that the request came from an account holder. After establishing the authenticity of the account holder, the systems determine a unique identifier for the account holder associated with the account. Finally, the systems send a second request to the authenticated computing application to write this unique identifier onto the contactless card.

First claim

What is claimed is:

1 . A computer-implemented method to program a contactless card, the computer-implemented method comprising:
receiving, by a server, a first request to associate the contactless card with an account, the first request received via an authenticated computing application; authenticating, by the server, that the first request was received from an account holder of the account; and based on establishing authenticity of the account holder, determining, by the server, a unique identifier of the account holder associated with the account, and sending, by the server, a second request to the authenticated computing application to write the unique identifier of the account holder to the contactless card.

2 . The computer-implemented method of claim 1 , wherein authenticating the account holder comprises a multi-factor authentication.

3 . The computer-implemented method of claim 2 , wherein the multi-factor authentication comprises sending a verification code via an email, a text message, a phone call, an instant message, and an authentication application.

4 . The computer-implemented method of claim 1 , wherein the authenticated computing application is one from a group comprising a mobile application, a web-based application, a voice-based application, and a chat-based application.

5 . The computer-implemented method of claim 1 , wherein the unique identifier is associated with a second contactless card of the account holder.

6 . The computer-implemented method of claim 1 , further comprising, verifying that the contactless card meets at least a threshold compatibility.

7 . The computer-implemented method of claim 1 , wherein the unique identifier is written to the contactless card using a near field communication protocol.

8 . The computer-implemented method of claim 1 , wherein the unique identifier is written to a specific portion of memory of the contactless card.

9 . The computer-implemented method of claim 1 , wherein the unique identifier that is provided to be written to the contactless card is newly created for the account holder, replacing an older unique identifier of the account holder.

10 . A computing device comprising:
a processor; and a memory storing instructions that, when executed by the processor, configure the computing device to:
receive a first request to associate a contactless card with an account, the first request received from a second computing device;
authenticate that the first request was received from an account holder of the account; and
based on establishing authenticity of the account holder, send a second request to the second computing device to write a unique identifier of the account holder to the contactless card.

11 . The computing device of claim 10 , wherein authenticating the account holder comprises a multi-factor authentication.

12 . The computing device of claim 11 , wherein the multi-factor authentication comprises sending a verification code via an email, a text message, a phone call, an instant message, and an authentication application.

13 . The computing device of claim 10 , wherein the unique identifier is associated with a second contactless card of the account holder.

14 . The computing device of claim 10 , wherein the memory further comprises instructions that configure the computing device to verify that the contactless card meets at least a threshold compatibility.

15 . The computing device of claim 10 , wherein the unique identifier is written to the contactless card using a near field communication protocol.

16 . The computing device of claim 10 , wherein the unique identifier that is provided to be written to the contactless card is newly created for the account holder, replacing an older unique identifier of the account holder.

17 . A non-transitory computer-readable storage medium, the computer-readable storage medium including instructions that when executed by a computing device, cause the computing device to:
receive a first request to associate a contactless card with an account, the first request received from a second computing device; authenticate that the first request was received from an account holder of the account; and based on establishing authenticity of the account holder, send a second request to the second computing device to write a unique identifier of the account holder to the contactless card.

18 . The non-transitory computer-readable storage medium of claim 17 , wherein the multi-factor authentication comprises sending a verification code via an email, a text message, a phone call, an instant message, and an authentication application.

19 . The non-transitory computer-readable storage medium of claim 17 , wherein the computing device is further configured to verify that the contactless card meets at least a threshold compatibility.

20 . The non-transitory computer-readable storage medium of claim 17 , wherein the unique identifier that is provided to be written to the contactless card is newly created for the account holder, replacing an older unique identifier of the account holder.

Assignees

• Capital One Services Llc

Inventors

• Rule Jeffrey
• Douglas Lawrence
• Macomber Jackson

Classifications

• H04L63/0853

  using an additional device, e.g. smartcard, SIM or a different communication terminal (cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234) · CPC title

• G06Q20/352 Primary

  Contactless payments by cards · CPC title

• H04L63/18

  using different networks or channels, e.g. using out of band channels (cryptographic mechanisms or cryptographic arrangements for key distribution involving distinctive intermediate devices or communication paths H04L9/0827; cryptographic mechanisms or cryptographic arrangements for authentication using a plurality of channels H04L9/3215) · CPC title

• G06Q20/4014

  Identity check for transactions · CPC title

• G06Q20/3265

  characterised by personalisation for use · CPC title