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EP-4740160-A1 - SYSTEMS AND METHODS OF LOCATION-BASED CHECK-IN AND ASSISTANCE USING A CONTACTLESS CARD

EP4740160A1EP 4740160 A1EP4740160 A1EP 4740160A1EP-4740160-A1

Abstract

Systems and methods for location-based check-in and assistance are provided. An exemplary method includes receiving, by a server from a first device, a first cryptogram of the contactless card, determining, by the server, a location of the first device based on the first cryptogram, and transmitting, by the server to a user device, a notification requesting tapping the contactless card to the user device. The exemplary method further includes receiving, by the server from the user device, a second cryptogram of the contactless card, authenticating, by the server, a user of the user device based on the second cryptogram, verifying, by the server, the user of the user device to be at the location based on the authentication, and notifying, by the server, a user of a second device that the user of the user device is at the location and is requesting assistance.

Inventors

  • VALENTI, Jennifer
  • WIDENER, KEVIN
  • ERADLA, ANITA
  • HAYNES, KIMBERLY

Assignees

  • Capital One Services, LLC

Dates

Publication Date
20260513
Application Date
20240703

Claims (20)

  1. 1. A method for location-based check-in and assistance based on a contactless card, comprising: receiving, by a server from a first device, a first cryptogram of the contactless card; determining, by the server, a location of the first device based on the first cryptogram; transmitting, by the server to a user device, a notification requesting tapping the contactless card to the user device; receiving, by the server from the user device, a second cryptogram of the contactless card; authenticating, by the server, a user of the user device based on the second cryptogram, the user being associated with the contactless card; verifying, by the server, the user of the user device to be at the location based on the authentication; and notifying, by the server, a user of a second device that the user of the user device is at the location and is requesting assistance.
  2. 2. The method according to claim 1, wherein the first cryptogram is generated by the first device upon tapping the contactless card to the first device.
  3. 3. The method according to claim 2, wherein the first device is in data communication with the contactless card through a near field communication (NFC).
  4. 4. The method according to claim 1, wherein the first device and the contactless card are near field communication (NFC)-enabled.
  5. 5. The method according to claim 1, the method further comprises: validating, by the server, the second cryptogram; extracting, by the server from the second cryptogram, a unique customer identifier associated with the user of the user device; and verifying, by the server, the unique customer identifier.
  6. 6. The method according to claim 1, wherein the notification includes a link, the user of the user device be prompted to tap the contactless card to the user device upon clicking on the link.
  7. 7. The method according to claim 1, wherein the contactless card comprises a processor and a memory, the memory storing the second cryptogram that contains an unique customer identifier.
  8. 8. A system for location-based check-in and assistance based on a contactless card, comprising a server, the server configured to: receive, from a first device, a first cryptogram of the contactless card; determine a location of the first device based on the first cryptogram; transmit, to a user device, a notification requesting tapping the contactless card to the user device; receive, from the user device, a second cryptogram of the contactless card; authenticate, a user of the user device based on the second cryptogram, the user being associated with the contactless card; verify the user of the user device to be at the location based on the authentication; and notify a user of a second device that the user of the user device is at the location and is requesting assistance.
  9. 9. The system according to claim 8, wherein the first device is a self-service kiosk in a bank branch at the location.
  10. 10. The system according to claim 8, wherein the user device is a user mobile device.
  11. 11. The system according to claim 8, wherein the user of the second device is an employee in a bank branch at the location.
  12. 12. The system according to claim 8, further comprising the contactless card, wherein the contactless card comprises a processor and a memory, the memory storing the first cryptogram .
  13. 13. The system according to claim 8, wherein the second cryptogram is generated by the user device upon tapping the contactless card to the user device.
  14. 14. The system according to claim 8, wherein the user device is in data communication with the contactless card through a near field communication (NFC).
  15. 15. A non-transitory, computer-readable medium comprising instructions for location-based check-in and assistance based on a contactless card that, when executed on a computer arrangement, perform actions comprising: receiving, from a first device, a first cryptogram of the contactless card; determining a location of the first device based on the first cryptogram; transmitting, to a user device, a notification requesting tapping the contactless card to the user device; receiving, from the user device, a second cryptogram of the contactless card; authenticating, a user of the user device based on the second cryptogram, the user being associated with the contactless card; verifying the user of the user device to be at the location based on the authentication; and notifying a user of a second device that the user of the user device is at the location and is requesting assistance.
  16. 16. The non-transitory, computer-readable medium according to claim 15, wherein the first device is a near field communication (NFC)-enabled device.
  17. 17. The non-transitory, computer-readable medium according to claim 15, wherein the user device is an NFC-enabled device.
  18. 18. The non-transitory, computer-readable medium according to claim 15, wherein the contactless card is an NFC-enabled card.
  19. 19. The non-transitory, computer-readable medium according to claim 15, wherein the contactless card is one of a credit card, a debit card, or a gift card.
  20. 20. The non-transitory, computer-readable medium according to claim 15, wherein the notification includes a link, the user of the user device be prompted to tap the contactless card to the user device upon clicking on the link.

Description

SYSTEMS AND METHODS OF LOCATION-BASED CHECK-IN AND ASSISTANCE USING A CONTACTLESS CARD CROSS-REFERENCE TO RELATED APPLICATION [0001] This application claims priority to U.S. Patent Application No. 18/218,500, filed July 5, 2023, the disclosure of which is incorporated herein in its entirety. FIELD OF THE INVENTION [0002] The present disclosure relates generally to card technology, and more particularly, to systems and methods for location-based check-in and assistance using a contactless card. BACKGROUND [0003] Merchants interact with many customers daily. Some customers prefer no physical contact when doing business. For example, in view of the recent pandemic, customers may seek safer, contactless, more efficient ways of interacting with merchants. Also, long wait times can contribute to decline in customer satisfaction and loyalty. [0004] Additionally, when customers need to verify their identity, they may be required to hand a government identification card (ID) to business employees, which can lead to increased opportunities to transmit diseases, and thus may create increased brand, reputation, and legal risks for merchants. [0005] Further, when customers need assistance, the customer may need to track down a an employee of the merchant. Requiring a customer in need of assistance to find an employee may result in the customer not receiving timely assistance or not receiving assistance at all, which puts the merchant at risk of losing the customer or missing an opportunity to acquire further customers. [0006] These and other deficiencies exist. Accordingly, there is a need to provide systems and methods that overcome these deficiencies to facilitate customers and enhance customer experiences, such as location-based check-in and assistance using a contactless card. SUMMARY [0007] Aspects of the disclosed technology include systems and methods of location-based check-in and assistance based on a contactless card. [0008] Embodiments of the present disclosure provide a method for location-based check-in and assistance based on a contactless card, including: receiving, by a server from a first device, a first cryptogram of the contactless card; determining, by the server, a location of the first device based on the first cryptogram; transmitting, by the server to a user device, a notification requesting tapping the contactless card to the user device; receiving, by the server from the user device, a second cryptogram of the contactless card; authenticating, by the server, a user of the user device based on the second cryptogram, the user being associated with the contactless card; verifying, by the server, the user of the user device to be at the location based on the authentication; and notifying, by the server, a user of a second device that the user of the user device is at the location and is requesting assistance. [0009] Embodiments of the present disclosure provide a system for location-based check-in and assistance based on a contactless card. The system includes a server. The server can be configured to: receive, from a first device, a first cryptogram of the contactless card; determine a location of the first device based on the first cryptogram; transmit, to a user device, a notification requesting tapping the contactless card to the user device; receive, from the user device, a second cryptogram of the contactless card; authenticate, a user of the user device based on the second cryptogram, the user being associated with the contactless card; verify the user of the user device to be at the location based on the authentication; and notify a user of a second device that the user of the user device is at the location and is requesting assistance. [0010] Embodiments of the present disclosure provide a non-transitory, computer-readable medium comprising instructions for location-based check-in and assistance based on a contactless card that, when executed on a computer arrangement, perform actions including: receiving, from a first device, a first cryptogram of the contactless card; determining a location of the first device based on the first cryptogram; transmitting, to a user device, a notification requesting tapping the contactless card to the user device; receiving, from the user device, a second cryptogram of the contactless card; authenticating, a user of the user device based on the second cryptogram, the user being associated with the contactless card; verifying the user of the user device to be at the location based on the authentication; and notifying a user of a second device that the user of the user device is at the location and is requesting assistance. [0011] Further features of the disclosed systems and methods, and the advantages offered thereby, are explained in greater detail hereinafter with reference to specific example embodiments illustrated in the accompanying drawings. BRIEF DESCRIPTION OF THE DRAWINGS [0012] Figure 1 is a diagram of a system for location-based check-in an