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US 12,731,115 B2Granted
Systems and methods for transaction processing based on authenticated identity
AssigneeCapital One Services, LLC
InventorsRajko Ilincic, Jeffrey Rule
Life of this patent
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Abstract
The present embodiments disclose a system and method for dynamically generating a reservation and performing a checkout request. The system includes a user device application and a server. The method proceeds with making a reservation request, providing login information, making a check-in request, and again providing login information. Additionally, the method proceeds with checkout without the need for a waitstaff member to retrieve the customer's card.
Claims19
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.
13 more elements
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.
8 more elements
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.
8 more elements
Dependencies are inferred from the claim text.