Granted Patent B2

US 12,730,991 · App. 18/133,782 · Granted Sep 8, 2026

Inventors: Lesley Newton (Richmond, VA); Daniel Pick (Falls Church, VA); Emily Smith (Washington, DC)

Assignee: Capital One Services, LLC

G06K7/10366G06Q20/322G06Q20/34G06Q20/40

Abstract

Claims (62)

1 . A method comprising:

scanning, via a wireless card reader of a mobile device, a two-dimensional data code or a sticker on a contactless card or a paper associated with the contactless card;

responsive to scanning the two-dimensional data code or the sticker, receiving, by the wireless card reader of the mobile device, a network address from the contactless card;

accessing, via a mobile application executing on the mobile device, a web page at the network address;

receiving, by a short-range communication antenna of the mobile device, a cryptogram from the contactless card;

identifying, by a processor of the mobile device and based on the cryptogram, a customer account associated with the contactless card;

verifying, by the processor of the mobile device, that a phone number of the mobile device is associated with the customer account;

when the phone number of the mobile device has been verified as being associated with the customer account, receiving, via the mobile application executing on the mobile device, user input for accessing the customer account; and

enrolling, by the processor of the mobile device, the contactless card with the mobile application for digitally accessing the customer account via the mobile application.

2 . The method of claim 1 further comprising:

responsive to accessing the web page at the network address via the mobile application executing on the mobile device, displaying, on a display device of the mobile device, a solicitation for communication with the contactless card.

3 . The method of claim 1 further comprising:

successfully decrypting the cryptogram to identify the customer account associated with the contactless card.

4 . The method of claim 3 further comprising:

decrypting protected data in the cryptogram;

comparing the protected data to stored record data associated with the contactless card; and

identifying the customer account based on a match between the protected data and the stored record data.

5 . The method of claim 1 further comprising:

transmitting the cryptogram from the mobile device to a server; and

receiving, at the mobile device, an indication that the phone number of the mobile device is associated with the customer account.

6 . The method of claim 5 further comprising:

transmitting a message from the mobile device to the server, wherein the message includes the cryptogram and the phone number of the mobile device.

7 . The method of claim 1 further comprising:

when the phone number of the mobile device has been verified as being associated with the customer account, displaying, on a display device of the mobile device, a user name for the customer account and a solicitation for a password for the customer account to create or log into the customer account.

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

receive, via a wireless card reader of a mobile device, a network address from a contactless card;

access, via a mobile application executing on the mobile device, a web page at the network address;

display, on a display device of the mobile device, a solicitation for communication with the contactless card responsive to accessing the web page at the network address;

receive, via a short-range communication antenna of the mobile device, a cryptogram from the contactless card;

identify, based on the cryptogram, a customer account associated with the contactless card;

verify that a phone number of the mobile device is associated with the customer account;

when the phone number of the mobile device has been verified as being associated with the customer account, receive, via the mobile application executing on the mobile device, user input for accessing the customer account; and

enroll the contactless card with the mobile application for digitally accessing the customer account via the mobile application.

9 . The non-transitory computer-readable medium of claim 8 wherein the instructions further cause the processor to receive the network address from the contactless card via the wireless card reader of the mobile device scanning a two-dimensional data code or a sticker on the contactless card or a paper associated with the contactless card.

10 . The non-transitory computer-readable medium of claim 8 wherein the instructions further cause the processor to successfully decrypt the cryptogram to identify the customer account associated with the contactless card.

11 . The non-transitory computer-readable medium of claim 10 wherein the instructions further cause the processor to:

decrypt protected data in the cryptogram;

compare the protected data to stored record data associated with the contactless card; and

identify the customer account based on a match between the protected data and the stored record data.

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

transmit the cryptogram to a server; and

receive an indication that the phone number of the mobile device is associated with the customer account.

13 . The non-transitory computer-readable medium of claim 12 wherein the instructions further cause the processor to transmit a message to the server, and wherein the message includes the cryptogram and the phone number of the mobile device.

14 . The non-transitory computer-readable medium of claim 12 wherein, when the phone number of the mobile device has been verified as being associated with the customer account, the instructions further cause the processor to display, on a display device of the mobile device, a user name for the customer account and a solicitation for a password for the customer account to create or log into the customer account.

15 . A mobile device comprising:

a wireless card reader;

a short-range communication antenna;

a display device;

a processor; and

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

scan, via the wireless card reader, a two-dimensional data code or sticker on a contactless card or a paper associated with the contactless car;

responsive to scanning the two-dimensional code or the sticker, receive, via the wireless card reader, a network address from a the contactless card;

access, via a mobile application executing on the mobile device, a web page at the network address;

display, on the display device, a solicitation for communication with the contactless card responsive to accessing the web page at the network address;

receive, via the short-range communication antenna, a cryptogram from the contactless card;

transmit the cryptogram to a server;

identify, based on the cryptogram, a customer account associated with the contactless card;

verify that a phone number of the mobile device is associated with the customer account by receiving an indication thereof;

when the phone number of the mobile device has been verified as being associated with the customer account, receive, via the mobile application executing on the mobile device, user input for accessing the customer account; and

enroll the contactless card with the mobile application for digitally accessing the customer account via the mobile application.

16 . The mobile device of claim 15 wherein the instructions further cause the processor to successfully decrypt the cryptogram to identify the customer account associated with the contactless card.

17 . The mobile device of claim 15 wherein, when the phone number of the mobile device has been verified as being associated with the customer account, the instructions further cause the processor to display, on the display device, a user name for the customer account and a solicitation for a password for the customer account to create or log into the customer account.

Assignments (1)

Continuity (1)

References Cited (400)