US 12,112,310 B2
Authentication for third party digital wallet provisioning
Katherine McHugh, Richmond, VA (US); Lesley Newton, Richmond, VA (US); Casey Barrett, San Francisco, CA (US); and Patrick Zearfoss, Leesburg, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Mar. 9, 2023, as Appl. No. 18/119,518.
Application 18/119,518 is a continuation of application No. 16/725,435, filed on Dec. 23, 2019, granted, now 11,615,395.
Prior Publication US 2023/0281594 A1, Sep. 7, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/32 (2012.01); G06Q 20/34 (2012.01); G06Q 20/36 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/3221 (2013.01) [G06Q 20/3278 (2013.01); G06Q 20/352 (2013.01); G06Q 20/36 (2013.01); G06Q 20/38215 (2013.01); G06Q 20/4014 (2013.01)] 20 Claims
OG exemplary drawing
 
1. An apparatus, comprising:
a display device;
one or more processors coupled with the display device;
memory coupled with the display device and the one or more processors, the memory storing instructions that, when executed by the one or more processors, causes the one or more processors to:
provide access to a first-party banking application in response to authentication of user login information;
present, by the first-party banking application in a first-display graphical user interface (GUI) on the display device, an indication to add or link a payment card associated with a user and the account to a third-party wallet application;
receive, by the first-party banking application, a selection of the indication;
present, by the first-party banking application in the first-display GUI on the display device, a one-tap authentication option for the user to tap a contactless card on or near the apparatus, and wherein the contactless card is the payment card to add or link to the third-party wallet application;
establish a first wireless communication with the contactless card;
receive a message comprising encrypted data and a random number via the first wireless communication from the contactless card, wherein the contactless card generates the message by encrypting the encrypted data and the random number with a session key, wherein the encrypted data comprises a unique identifier associated with the contactless card;
send, by the first-party banking application, at least a portion of the message to one or more remote computing devices associated with a first-party entity;
receive, by the first-party banking application, a second indication from the one or more remote computing devices of a successful authentication based on the portion of the message; and
initiate, by the first-party banking application, a transition to the third-party wallet application, the transition to include sending information for the payment card to the third-party wallet application to add or link to the third-party wallet application, the transition to further include causing the third-party wallet application to display at least confirmation that the payment card has been successfully added or linked to the third-party wallet application in a second-display GUI on the display device.