Granted Patent B2

US 12,321,923 · App. 18/125,281 · Granted Jun 3, 2025

Inventors: Jeffrey Rule (Chevy Chase, MD); Marisa Thomas (Richmond, VA); Amy Apponyi (Midlothian, VA)

Assignee: Capital One Services, LLC

G06Q20/354G06Q20/352G06Q20/3829

Abstract

Claims (59)

1. A method, comprising:

receiving, by a server from a device, a request to activate a contactless card, the request comprising encrypted authentication data generated by the contactless card;

decrypting, by the server, the encrypted authentication data;

determining, by the server based on a profile associated with the contactless card, that the contactless card is a first type of contactless card of a plurality of types of contactless cards;

determining, by the server, a plurality of terms associated with the first type of the contactless card;

transmitting, by the server, the plurality of terms to the device;

receiving, by the server from the device, an indication specifying acceptance of the plurality of terms; and

storing, by the server based on the decryption of the encrypted authentication data and the received indication specifying acceptance of the plurality of terms, an indication in a database specifying the contactless card is activated for use;

wherein the encrypted authentication data is a parameter of a link, wherein the encrypted authentication data is distinct from payment data generated by the contactless card.

2. The method of claim 1 , further comprising:

extracting, by the server, the encrypted authentication data from the link; and

decoding, by the server, the extracted encrypted authentication data prior to the decryption.

3. The method of claim 1 , further comprising:

determining the contactless card is the first type of contactless card based on a unique identifier assigned to the contactless card.

4. The method of claim 1 , further comprising:

transmitting, by the server, an indication to the device specifying that the contactless card is activated for use.

5. The method of claim 1 , further comprising:

receiving, by the server, a plurality of attributes from the profile associated with the contactless card, the plurality of attributes comprising at least the first type of the contactless card and an address associated with the contactless card; and

determining, by the server, the plurality of terms based on the first type of the contactless card and the address associated with the contactless card, wherein at least one term of the plurality of terms is based on the address.

6. The method of claim 1 , wherein a subset of the plurality of terms are formatted according to a modified format, wherein the modified format comprises one or more of a highlight effect, a bold effect, or an italics effect applied to the subset of the plurality of terms and not applied to the remaining plurality of terms.

7. The method of claim 1 , wherein at least one term of the plurality of terms is based on an address specified in the profile.

8. A non-transitory computer-readable storage medium, the computer-readable storage medium including instructions that when executed by a processor, cause the processor to:

receive, from a device, a request to activate a contactless card, the request comprising encrypted authentication data generated by the contactless card;

decrypt the encrypted authentication data;

determine, based on a profile associated with the contactless card, that the contactless card is a first type of contactless card of a plurality of types of contactless cards;

determine a plurality of terms associated with the first type of the contactless card;

transmit the plurality of terms to the device;

receive, from the device, an indication specifying acceptance of the plurality of terms; and

store, based on the decryption of the encrypted authentication data and the received indication specifying acceptance of the plurality of terms, an indication in a database specifying the contactless card is activated for use;

wherein the encrypted authentication data is a parameter of a link, wherein the encrypted authentication data is distinct from payment data generated by the contactless card.

9. The computer-readable storage medium of claim 8 , wherein the instructions further cause the processor to:

extract the encrypted authentication data from the link; and

decode the extracted encrypted authentication data prior to the decryption.

10. The computer-readable storage medium of claim 8 , wherein the instructions further cause the processor to:

determine the first type of the contactless card based on a unique identifier assigned to the contactless card.

11. The computer-readable storage medium of claim 8 , wherein the instructions further cause the processor to:

transmit an indication to the device specifying that the contactless card is activated for use.

12. The computer-readable storage medium of claim 8 , wherein the instructions further cause the processor to:

receive a plurality of attributes from the profile associated with the contactless card, the plurality of attributes comprising at least the first type of the contactless card and an address associated with the contactless card; and

determine the plurality of terms based on the first type of the contactless card and the address associated with the contactless card, wherein at least one term of the plurality of terms is based on the address.

13. The computer-readable storage medium of claim 8 , wherein a subset of the plurality of terms are formatted according to a modified format, wherein the modified format comprises one or more of a highlight effect, a bold effect, or an italics effect applied to the subset of the plurality of terms and not applied to the remaining plurality of terms.

14. A computing apparatus comprising:

a processor; and

a memory storing instructions that, when executed by the processor, cause the processor to:

receive, from a device, a request to activate a contactless card, the request comprising encrypted authentication data generated by the contactless card;

decrypt the encrypted authentication data;

determine, based on a profile associated with the contactless card, that the contactless card is a first type of contactless card of a plurality of types of contactless cards;

determine a plurality of terms associated with the first type of the contactless card;

transmit the plurality of terms to the device;

receive, from the device, an indication specifying acceptance of the plurality of terms; and

store, based on the decryption of the encrypted authentication data and the received indication specifying acceptance of the plurality of terms, an indication in a database specifying the contactless card is activated for use;

wherein the encrypted authentication data is a parameter of a link, wherein the encrypted authentication data is distinct from payment data generated by the contactless card.

15. The computing apparatus of claim 14 , wherein the instructions further cause the processor to:

extract the encrypted authentication data from the link; and

decode the extracted encrypted authentication data prior to the decryption.

16. The computing apparatus of claim 14 , wherein the instructions further cause the processor to:

determine the first type of the contactless card based on a unique identifier assigned to the contactless card.

17. The computing apparatus of claim 14 , wherein the instructions further cause the processor to:

transmit an indication to the device specifying that the contactless card is activated for use.

Assignments (1)

Continuity (3)

References Cited (15)