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US 11,455,606 B2Granted
Tap to pay a credit bill via a computing device
AssigneeCapital One Services, LLC
InventorsJeffrey Rule, Clayton Johnson
Life of this patent
Estimating the term…
Abstract
Various embodiments are directed to enhancing a card payment experience by a single tap of a contactless card to a user computing device. In examples, the single tap of the card may be preconfigured to cause automatic payment of a predefined amount toward a card balance. If the single tap is not preconfigured to mean automatic card payment, the user may be presented with a notification and various payment amount options, which the user can select to pay toward the card balance.
Claims12
A system comprising:
- device memory;
- and
- at least one processor operable to execute stored instructions that, when executed, cause the at least one processor to:
- receive, at an application programming interface (API) endpoint of one or more API endpoints, an authentication payload from a contactless card via a user computing device, wherein a uniform resource locator specifies the one or more endpoints for the user computing device to send the authentication payload;
- decrypt the authentication payload and compare a customer identifier from the authentication payload against customer authentication information;
- if the customer identifier and the customer authentication information match, confirm the authentication of the user as being successful;
- determine an occurrence of a single tap event based on receiving the authentication payload;
- and
- in response to the occurrence of the single tap event:
- apply a first payment amount to a card balance and send a first notification to the user computing device of successful card payment, the first payment amount being a predefined amount preconfigured by a user, or
- send a second notification to the user computing device of a payment amount input request, receive an indication of a second payment amount from the user computing device in response to the second notification, apply the second payment amount to the card balance, and send a third notification to the user computing device of the successful card payment.
8 more elements
A method comprising:
- receiving, by a system including an application programming interface (API) endpoint of one or more API endpoints, an authentication payload from a contactless card via a user computing device, wherein a uniform resource locator (URL) specifies the one or more endpoints for the user computing device to send the authentication payload;
- decrypting the authentication payload and compare a customer identifier from the authentication payload against customer authentication information;
- if the customer identifier and the customer authentication information match, confirming the authentication of the user as being successful;
- determining, by the system, an occurrence of a single tap event based on receiving the authentication protocol;
- and
- in response to the occurrence of the single tap event:
- applying, by the system, a first payment amount to a card balance and sending a first notification to the user computing device of successful card payment, the first payment amount being a predefined amount preconfigured by a user, or
- sending, by the system, a second notification to the user computing device of a payment amount input request, receiving an indication of a second payment amount from the user computing device in response to the second notification, applying the second payment amount to the card balance, and sending a third notification to the user computing device of the successful card payment.
5 more elements
A non-transitory computer-readable medium, comprising instructions executable by processing circuitry, that when executed cause the processing circuitry to:
- receive, at an application programming interface (API) endpoint of one or more API endpoints, an authentication payload from a contactless card via a user computing device, wherein a uniform resource locator specifies the one or more endpoints for the user computing device to send the authentication payload;
- decrypt the authentication payload and compare a customer identifier from the authentication payload against customer authentication information;
- if the customer identifier and the customer authentication information match, confirm the authentication of the user as being successful;
- determine an occurrence of a single tap event based on receiving the authentication payload;
- and
- in response to the occurrence of the single tap event:
- apply a first payment amount to a card balance and send a first notification to the user computing device of successful card payment, the first payment amount being a predefined amount preconfigured by a user, or
- send a second notification to the user computing device of a payment amount input request, receive an indication of a second payment amount from the user computing device in response to the second notification, apply the second payment amount to the card balance, and send a third notification to the user computing device of the successful card payment.
5 more elements
Dependencies are inferred from the claim text.