US 12,248,928 B2
Systems and methods of secure merchant payment over messaging platform using a contactless card
Kevin Osborn, Newton Highlands, MA (US); Jeffrey Rule, Chevy Chase, MD (US); and Rajko Ilincic, Annandale, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Mar. 13, 2023, as Appl. No. 18/120,513.
Prior Publication US 2024/0311800 A1, Sep. 19, 2024
Int. Cl. G06Q 20/34 (2012.01); G06F 9/54 (2006.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); G06Q 20/32 (2012.01)
CPC G06Q 20/352 (2013.01) [G06F 9/547 (2013.01); G06Q 20/386 (2020.05); G06Q 20/401 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method for secure merchant payment over a messaging platform based on a contactless card, comprising:
receiving, by a server via a user device, a cryptogram from the contactless card;
validating, by the server, the cryptogram;
extracting, by the server from the cryptogram, a unique customer identifier associated with a user;
verifying, by the server, the unique customer identifier;
retrieving, by the server from a database, account information of the user;
calling, by the server, an application programming interface (API) of a merchant device to make a payment in response to a payment request message received from the merchant device; and
provisioning, by the server, the account information to the merchant device via the API.