| CPC G06Q 20/4015 (2020.05) [G06Q 20/352 (2013.01); G06Q 20/405 (2013.01)] | 20 Claims |
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1. A cryptographic bypass system, comprising:
a computer application configured to be executed by a client device;
a contactless card associated with a user account; and
a server, wherein the computer application is configured to communicate with the contactless card and the server, and wherein the server is configured to:
receive, from the computer application, encrypted data of the contactless card and location data of the client device associated with the user account, after a tap of the contactless card to the client device transmits the encrypted data to the computer application,
identify a first merchant based on the location data received from the computer application being executed by the client device,
set a flag associated with the first merchant and the contactless card, the flag indicating that the server is permitted to approve a transaction request from the first merchant in response to a transaction amount of the transaction request being greater than a first transaction limit and less than a second transaction limit,
receive a transaction request from a merchant payment system of the first merchant associated with the contactless card, wherein the transaction request indicates a transaction amount,
determine whether the transaction amount exceeds the first transaction limit and is less than the second transaction limit, and
approve the transaction request in response to the transaction amount exceeding the first transaction limit and being less than the second transaction limit;
wherein the computer application is further configured to:
receive user preference data indicating a predefined amount of time the flag is to be set, and
send the predefined amount of time to the server; and
wherein the server is further configured to remove the setting of the flag after the predefined amount of time.
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