# US 2025/0094993 A1 · Application-based point of sale system in mobile operating systems > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2025/0094993 A1 - Document ID: US20250094993A1 - Status: Published application - Kind: A1 - Application number: 18/959,268 - Filed: 2024-11-25 - Published: 2025-03-20 - Earliest claimed: 2020-05-18 - Assignees: Capital One Services, LLC - Applicants: Capital One Services, LLC - Inventors: Jeffrey RULE; Stephane LUNATI - Web page: https://patentgrep.com/patent/US20250094993A1 ## CPC - G06Q 20/4018: {using the card verification value [CVV] associated with the card} - G06F 9/54: Interprogram communication - G06F 16/955: using information identifiers, e.g. uniform resource locators [URL] - G06F 40/174: Form filling; Merging - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) ## Abstract Application-based point of sale systems in mobile operating systems. A first application may generate a first URL directed to a second application, a parameter of the first URL comprising an identifier of the first application. A mobile operating system (OS) may access the first URL to open the second application. The second application may receive, from a server, a virtual account number (VAN). The second application may initiate a server on a port and generate a second URL directed to the first application, a parameter of the second URL comprising the port. The OS may access the second URL to open the first application. The first application may establish a connection with the server using the specified port and receive the VAN from the second application via the connection. The first application may autofill the VAN to a form field of a payment form in the first application. ## Claims ### Claim 1 A method, comprising: receiving, by a first application executing on a processor of a mobile device, encrypted data from a contactless card; transmitting, by the first application, the encrypted data to a server for verification; receiving, by the first application from the server, an indication that the encrypted data was verified; initiating, by the first application, a local server on a port based on the received verification; generating, by the first application, a link directed to a second application executing on the processor, wherein a parameter of the link comprises the port; and accessing, by a mobile operating system (OS) executing on the processor, the second application based on the link. ### Claim 2 (depends on 1) The method of claim 1, further comprising receiving, by the first application, a unique identifier of the second application, wherein the generated link is based on the unique identifier. ### Claim 3 (depends on 1) The method of claim 1, further comprising registering, by the first application, the local server and/or the first application as a background task with the mobile OS. ### Claim 4 (depends on 1) The method of claim 1, further comprising: receiving, by the first application from the server, data associated with an account; and transmitting, from the first application, the data associated with the account to the second application via a connection with the local server using the port. ### Claim 5 (depends on 4) The method of claim 4, wherein the data associated with the account comprises one or more of an account number associated with the account, an expiration date of the account number, a card verification value (CVV) of the account number, or a billing address of the account. ### Claim 6 (depends on 1) The method of claim 1, wherein the port is selected by the first application from a plurality of ports. ### Claim 7 (depends on 1) The method of claim 1, further comprising validating, by the first application using an application programming interface (API) of the mobile OS, at least a portion of the link. ### Claim 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, by a first application executing on the processor, encrypted data from a contactless card; transmit, by the first application, the encrypted data to a server for verification; receive, by the first application from the server, an indication that the encrypted data was verified; initiate, by the first application, a local server on a port based on the received verification; generate, by the first application, a link directed to a second application executing on the processor, wherein a parameter of the link comprises the port; and access, by a mobile operating system (OS) executing on the processor, the second application based on the link. ### Claim 9 (depends on 8) The computer-readable storage medium of claim 8, wherein the instructions further cause the processor to receive, by the first application, a unique identifier of the second application, wherein the generated link is based on the unique identifier. ### Claim 10 (depends on 8) The computer-readable storage medium of claim 8, wherein the instructions further cause the processor to register, by the first application, the local server and/or the first application as a background task with the mobile OS. ### Claim 11 (depends on 8) The computer-readable storage medium of claim 8, wherein the instructions further cause the processor to: receive, by the first application from the server, data associated with an account; and transmit, from the first application, the data associated with the account to the second application via a connection with the local server using the port. ### Claim 12 (depends on 11) The computer-readable storage medium of claim 11, wherein the data associated with the account comprises one or more of an account number associated with the account, an expiration date of the account number, a card verification value (CVV) of the account number, or a billing address of the account. ### Claim 13 (depends on 8) The computer-readable storage medium of claim 8, wherein the port is selected by the first application from a plurality of ports. ### Claim 14 (depends on 8) The computer-readable storage medium of claim 8, wherein the instructions further cause the processor to validate, by the first application using an application programming interface (API) of the mobile OS, at least a portion of the link. ### Claim 15 A computing apparatus comprising: a processor; and a memory storing instructions that, when executed by the processor, cause the processor to: receive, by a first application executing on the processor, encrypted data from a contactless card; transmit, by the first application, the encrypted data to a server for verification; receive, by the first application from the server, an indication that the encrypted data was verified; initiate, by the first application, a local server on a port based on the received verification; generate, by the first application, a link directed to a second application executing on the processor, wherein a parameter of the link comprises the port; and access, by a mobile operating system (OS) executing on the processor, the second application based on the link. ### Claim 16 (depends on 15) The computing apparatus of claim 15, wherein the instructions further cause the processor to receive, by the first application, a unique identifier of the second application, wherein the generated link is based on the unique identifier. ### Claim 17 (depends on 15) The computing apparatus of claim 15, wherein the instructions further cause the processor to register, by the first application, the local server and/or the first application as a background task with the mobile OS. ### Claim 18 (depends on 15) The computing apparatus of claim 15, wherein the instructions further cause the processor to: receive, by the first application from the server, data associated with an account; and transmit, from the first application, the data associated with the account to the second application via a connection with the local server using the port. ### Claim 19 (depends on 18) The computing apparatus of claim 18, wherein the data associated with the account comprises one or more of an account number associated with the account, an expiration date of the account number, a card verification value (CVV) of the account number, or a billing address of the account. ### Claim 20 (depends on 15) The computing apparatus of claim 15, wherein the port is selected by the first application from a plurality of ports.