17847961. MOBILE WEB BROWSER AUTHENTICATION AND CHECKOUT USING A CONTACTLESS CARD simplified abstract (Capital One Services, LLC)

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MOBILE WEB BROWSER AUTHENTICATION AND CHECKOUT USING A CONTACTLESS CARD

Organization Name

Capital One Services, LLC

Inventor(s)

Jeffrey Rule of Chevy Chase MD (US)

MOBILE WEB BROWSER AUTHENTICATION AND CHECKOUT USING A CONTACTLESS CARD - A simplified explanation of the abstract

This abstract first appeared for US patent application 17847961 titled 'MOBILE WEB BROWSER AUTHENTICATION AND CHECKOUT USING A CONTACTLESS CARD

Simplified Explanation

The abstract describes a system where a merchant page in a browser can receive a selection of a financial institution. The merchant page generates a URI that directs to an application. The URI is registered with the application and the financial institution in a mobile operating system. When the URI is selected, the mobile OS launches the application, which authenticates credentials for an account. The application associates user ID and session ID parameters with the account and receives a cryptogram from a contactless card. The application then receives an indication from a server that verifies the cryptogram. The OS then launches the browser, which refreshes the page and includes a virtual card number (VCN) in a form field. A transaction can be processed based on the VCN.

  • The system allows a merchant page to generate a URI that directs to an application.
  • The application authenticates credentials for an account and associates user ID and session ID parameters with the account.
  • The application receives a cryptogram from a contactless card and verifies it with a server.
  • The browser is launched by the mobile OS and refreshes the page with a VCN in a form field.
  • Transactions can be processed based on the VCN.

Potential Applications

  • Online shopping platforms
  • Mobile payment systems
  • Financial institutions and banks

Problems Solved

  • Simplifies the authentication process for mobile transactions
  • Provides a secure method for verifying cryptograms from contactless cards
  • Streamlines the transaction process for users and merchants

Benefits

  • Enhanced security for mobile transactions
  • Improved user experience with simplified authentication and transaction processing
  • Increased efficiency for merchants and financial institutions in handling mobile payments.


Original Abstract Submitted

A merchant page in a browser may receive selection of a first financial institution. The merchant page may generate a uniform resource identifier (URI) directed to an application. At least a portion of the URI may be registered with the application and the first financial institution in a mobile operating system. Responsive to receiving selection of the URI, the mobile OS may launch the application, which may authenticate credentials for an account. The application may associate the user ID parameter and the session ID parameter with the account and receive a cryptogram from a contactless card. The application may receive, from a server, an indication specifying the server verified the cryptogram. The OS may launch the browser, which may refresh the page. The refreshed page may include a virtual card number (VCN) in a first form field. A transaction may be processed based on the VCN.

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