Granted Patent B2

US 12,749,057 · App. 18/099,085 · Granted Sep 29, 2026

Inventors: Jackson Macomber (Henrico, VA); Kevin Osborn (Newton Highlands, MA); Jeffrey Rule (Chevy Chase, MD)

Assignee: Capital One Services, LLC

G06Q20/105G06Q20/4014

Abstract

Claims (57)

1 . A system for provisioning account information, the system comprising:

an account administrator processor associated with a primary account of a user, wherein the account administrator processor is configured to:

receive account holder information comprising at least primary account information;

store, in an account information database, the account holder information;

receive an account provisioning request for a secondary account of the user with a transaction administrator;

transmit, to a transaction administrator processor associated with the transaction administrator, an encrypted user datum and encryption information, wherein:

the user datum is encrypted using the encryption information,

the encryption information comprises at least one selected from the group of an encryption algorithm and an encryption key, and

the transaction administrator processor verifies the secondary account by authenticating the received encrypted user datum with stored user datum associated with the secondary account that is encrypted using the encryption information;

receive, from the transaction administrator processor, verification of the secondary account;

transmit, to a user device, an authentication request;

receive, from the user device, an authentication credential;

retrieve, from the account information database, the account holder information; and

transmit, to the transaction administrator processor, the account holder information, wherein the account holder information is sufficient to complete one or more transactions.

2 . The system of claim 1 , wherein the authentication credential includes multi-factor information associated with the primary account.

3 . The system of claim 1 , wherein the action of transmitting the account holder information is carried out only in response to a positive authentication of the authentication credential.

4 . The system of claim 1 , wherein the authentication credential includes at least one selected from the group of a password, passcode, and biometric.

5 . The system of claim 1 , wherein the primary account information is at least one of the set consisting of a phone number and an email address.

6 . The system of claim 1 , wherein the account holder information is associated with a contactless card account.

7 . The system of claim 1 , wherein the account administrator processor is further configured to display the account holder information on a display associated with a user device.

8 . The system of claim 7 , wherein the account administrator processor is further configured to receive a selection of the account holder information via the display.

9 . The system of claim 1 , wherein the account administrator processor is further configured to open a first communication field consisting of at least one selected from the group of a near field communication (NFC), radio frequency identification (RFID), and Bluetooth.

10 . A method for provisioning account information, the method comprising the steps of:

receiving, by an account administrator processor associated with a primary account of a user, account holder information comprising at least primary account information;

storing, by the account administrator processor in an account information database, the account holder information;

receiving, by the account administrator processor, an account provisioning request for a secondary account with the transaction administrator;

transmitting, by the account administrator processor to a transaction administrator processor associated with the transaction administrator, an encrypted user datum and encryption information, wherein:

the user datum is encrypted using encryption information,

the encryption information comprises at least one selected from the group of an encryption algorithm and an encryption key, and

the transaction administrator processor verifies the secondary account by authenticating the received encrypted user datum with stored user datum associated with the secondary account that is encrypted using the encryption information;

receiving, by the account administrator processor from the transaction administrator processor, verification of the secondary account;

transmitting, by the account administrator processor to a user device, an authentication request;

receiving, by the account administrator processor from the user device, an authentication credential;

retrieving, by the account administrator processor from the account information database, the account holder information; and

transmitting, by the account administrator processor to the transaction administrator processor, the account holder information, wherein the account holder information is sufficient to complete one or more transactions.

11 . The method of claim 10 , wherein the account administrator processor is configured to transmit the account holder information only in response to a positive authentication of the confirmation response by the confirmation authentication processor.

12 . The method of claim 10 , wherein the authentication credential comprises at least one selected from the group of a password, passcode, and biometric.

13 . The method of claim 10 , wherein the authentication credential comprises at least multi-factor information.

14 . The method of claim 10 , wherein the primary account information includes contactless card account information.

15 . The method of claim 10 , wherein the primary account information is one of the set consisting of a phone number and an email address.

16 . The method of claim 10 , wherein the account holder information comprises a plurality of account holder information, wherein the method further comprises displaying the account holder information on a display associated with the user device.

17 . The method of claim 16 , wherein the method further comprises receiving a selection of the account holder information via the display.

18 . The method of claim 10 , wherein the authentication credential is received over a first communication field consisting of at least one selected from the group of a near field communication (NFC), radio frequency identification (RFID), and Bluetooth.

19 . The method of claim 18 , wherein the authentication credential is received over the first communication field from a contactless card.

20 . A non-transitory, computer readable medium comprising instructions that, when executed on a data processing system, perform actions comprising:

receiving account holder information comprising at least primary account information;

storing, in an account information database, the account holder information;

receiving an account provisioning request;

transmitting, to a transaction administrator processor associated with the transaction administrator, an encrypted user datum and encryption information, wherein:

the user datum is encrypted using encryption information,

the encryption information comprises at least one selected from the group of an encryption algorithm and an encryption key, and

the transaction administrator processor verifies a secondary account by authenticating the received encrypted user datum with stored user datum associated with the secondary account that is encrypted using the encryption information;

receiving, from the transaction administrator processor, verification of the secondary account;

transmitting, to a user device, an authentication request;

receiving, from the user device, an authentication credential;

retrieving, from the account information database, the account holder information; and

transmitting, to the transaction administrator processor, the account holder information, wherein the account holder information is sufficient to complete one or more transactions.

Assignments (1)

Continuity (2)

References Cited (44)