Granted Patent B2

US 12,731,115 · App. 18/209,321 · Granted Sep 8, 2026

Inventors: Rajko Ilincic (Annandale, VA); Jeffrey Rule (Brooklyn, NY)

Assignee: Capital One Services, LLC

G06Q20/085G06Q10/02G06Q20/351

Abstract

Claims (80)

1 . A system for dynamic reservation and payment, the system comprising:

a server configured to:

transmit, to a user device application, a login request;

match, in response to receiving encrypted authenticating information and a user login information, the encrypted authenticating information to a user on file, wherein the encrypted authenticating information includes a message authentication code (MAC) comprising a cryptogram generated by a card, wherein the encrypted authenticating information is matched by verifying the cryptogram;

transmit, to the user device application upon matching the encrypted authenticating information to the user on file, a reservation confirmation message confirming that a reservation has been generated with the user login information;

transmit, to the user device application a check-in request;

match, upon receiving the user login information in response to the check-in request, the user login information to a reservation on file; and

transmit, to the user device application, a check-in confirmation message; and

a user device application comprising instructions for execution on a user device comprising a memory and a processor, the user device application configured to:

open, in response to the login request, a first communication field;

receive, from the card via the first communication field, the encrypted authenticating information and the user login information for generating the reservation;

transmit, to the server, the encrypted authenticating information and the user login information;

open, in response to the check-in request, a second communication field; and

transmit, to the server via the second communication field in response to the check-in request, the user login information.

2 . The system of claim 1 , wherein the user device application is further configured to:

transmit, to the server after receiving the check-in confirmation message, a check-out request;

receive, from the server in response to the check-out request, a payment request;

open, in response to the payment request, a third communication field;

receive, from the card via the third communication field, a payment information;

transmit, to the server, the payment information; and

receive, from the server in response to validating the payment information, a check-out confirmation.

3 . The system of claim 1 , wherein the user login information comprises at least an email address, a phone number, a user name, and a set of payment card information.

4 . The system of claim 1 , wherein one or more of the first communication field and the second communication field is a near field communication (NFC), Bluetooth, or an RFID-enabled communication field.

5 . The system of claim 1 , wherein the server is associated with a provider of goods and services.

6 . The system of claim 1 , wherein the card is a contactless card associated with a spending account, a savings account, a growth account, or some hybrid account.

7 . The system of claim 1 , wherein the system further comprises an administrator processor configured to:

transmit, to the user device application, a check-in request;

receive login information;

transmit the login information to the server; and

receive, from the server, a confirmation that the login information matches a reservation on file.

8 . The system of claim 7 , wherein the administrator processor is further configured to:

receive, from the user device application, a request for a temporary virtual payment card;

transmit, to the user device application, an authentication request;

receive, from the user device application, an authentication credential; and

transmit, to the user device application, a temporary virtual payment card.

9 . The system of claim 8 , wherein the temporary virtual payment card is further configured to expire after a predetermined time period.

10 . The system of claim 8 , wherein the temporary virtual payment card is further configured to be limited to a predetermined geographic location.

11 . The system of claim 8 , wherein the temporary virtual payment card is further configured to be limited to a predetermined spending limit.

12 . A method for dynamic reservation, the method comprising:

transmitting, from a user device application to a server, a reservation generation request;

receiving, by the user device application from the server, a login request;

opening, by the user device application in response to the reservation generation request, a first communication field;

receiving, by the user device application from a card via the first communication field, encrypted authenticating information and a set of login information for generating a reservation, wherein the encrypted authenticating information includes a message authentication code (MAC) comprising a cryptogram generated by the card;

transmitting, from the user device application to the server, the encrypted authenticating information and the set of login information;

receiving, from the server in response to receiving the set of login information, a reservation confirmation message confirming that the reservation has been generated with the set of login information wherein the server has matched the encrypted authenticating information to a user on file, wherein the encrypted authenticating information is matched by verifying the cryptogram;

receiving, from the server after the reservation confirmation message has been received, a check-in request;

opening a second communication field;

transmitting, to the server via the second communication field in response to the check-in request, the set of login information; and

receiving, from the server, a check-in confirmation message wherein the server has matched the set of login information with a reservation on file.

13 . The method of claim 12 , further comprising:

transmitting, to the server after receiving the check-in confirmation message, a check-out request;

receiving, from the server in response to the check-out request, a payment request;

opening, in response to the payment request, a third communication field;

receiving, from the card via the second communication field, a payment information;

transmitting, to the server, the payment information; and

receiving, from the server in response to validating the payment information, a check-out confirmation.

14 . The method of claim 12 , wherein the reservation is associated with a provider of goods and services.

15 . The method of claim 12 , wherein the first communication field, the second communication field, or both are a near field communication (NFC), Bluetooth, or an RFID-enabled communication field.

16 . The method of claim 12 , wherein the method further comprises:

transmitting, by the user device application to the server, a request for a temporary virtual payment card;

receiving, by the user device application from the server, an authentication request;

transmitting, by the user device application to the server, an authentication credential; and

receiving, by the user device application from the server, a temporary virtual payment card.

17 . The method of claim 12 , wherein the method further comprises:

hashing, by the user device application, at least a portion of the set of login information received from the card; and

transmitting, by the user device application, the hashed set of login information to the server.

18 . The method of claim 12 , wherein the method further comprises:

receiving, by the user device application prior to receiving the login request, a selection of an establishment; and

creating, by the user device application after receiving the set of login information responsive to the reservation generation request, an account with the establishment based on the received set of login information.

19 . A computer readable non-transitory medium comprising computer executable instructions that, when executed on a processor, perform procedures comprising the steps of:

transmitting, to a server, a reservation generation request;

receiving, from the server in response to the reservation generation request, a login request;

opening, in response to the reservation generation request, a first communication field;

receiving, from a card via the first communication field, encrypted authenticating information and a set of login information for generating a reservation, wherein the encrypted authenticating information includes a message authentication code (MAC) comprising a cryptogram generated by a card;

transmitting, to the server, the encrypted authenticating information and the set of login information;

receiving, from the server in response to receiving the set of login information, a reservation confirmation message confirming that the reservation has been generated with the set of user login information wherein the server has matched the encrypted authenticating information to a user on file by verifying the cryptogram;

receiving, from an administrator processor after the reservation confirmation message has been received, a check-in request;

opening a second communication field;

transmitting, to the administrator processor in response to the check-in request, the set of login information; and

receiving, from the administrator processor, a check-in confirmation message, wherein the administrator processor has transmitted the set of login information to the server and received, in response, a confirmation that the set of login information matches a reservation on file.

Assignments (1)

Continuity (1)

References Cited (400)