EP-4742723-A2 - SYSTEMS AND METHODS FOR MULTICOMPUTER DATA TRANSFERRING TO ACTIVATE CONTACTLESS COMMUNICATION

Abstract

The present disclosure relates to systems and methods for using multicomputer data transferring to active contactless communication. In one example, such a system may include at least one memory storing instructions and at least one processor configured to execute the instructions to perform one or more operations, the operations including: receiving a transaction associated with a merchant on a list of merchants stored in the at least one memory; determining, based on the merchant, a remote server associated with the merchant; assembling a data packet including an identifier of the contactless card and an identifier of the transaction; transmitting the data packet to the determined server across one or more computer networks; receiving confirmation from the determined sever in response to the data packet; and transmitting the confirmation to a user device associated with the transaction.

Inventors

• KOEPPEL, ADAM
• JOHNSON, Molly
• LOCKE, Tyler
• ZARAKAS, James
• KELLY, KEVIN
• SANGI, Saleem
• PERRY, ROBERT

Assignees

• Capital One Services, LLC

Dates

Publication Date

20260513

Application Date

20191023

Claims (15)

1. A method for using multicomputer data transferring to activate a contactless device, the method comprising: receiving, from an account server (107), an identifier of a transaction and an identifier of the contactless device (103); retrieving, from a database, a period of time associated with the transaction; verifying that the contactless device (103) is associated with the transaction; and transmitting, to the account server (107), a confirmation authorizing the contactless device (103).
2. The method of claim 1, wherein the period of time is associated with at least one selected from the group of a hotel reservation and an airline reservation.
3. The method of claim 1 or 2, wherein: the method further comprises retrieving the period of time from the database using an identifier, and the identifier comprises one of: a transaction identifier; a reservation number; and an application programming interface, API, call.
4. The method of claim 3, wherein the API call is configured to modify one or more settings of the contactless device (103).
5. The method of claim 4, wherein the modified one or more settings are configured to authorize the contactless device (103) to communicate with one or more readers associated with a merchant.
6. The method of any one of the preceding claims, further comprising: transmitting, to the account server (107), a request for one or more credentials; receiving, from the account server (107), one or more credentials; and authenticating the account server (107) using the one or more credentials.
7. The method of claim 6, further comprising authenticating the account server (107) prior to transmitting the confirmation.
8. The method of any one of the preceding claims, further comprising transmitting the confirmation during the period of time.
9. The method of any one of the preceding claims, wherein: the confirmation comprises at least one selected from the group of an identifier of the contactless device (103) and an access code, and the confirmation is configured to enable the account server (107) to verify the contactless device (103).
10. The method of any one of the preceding claims, further comprising verifying that the contactless device (103) is associated with the transaction by determining whether a name associated with the contactless device (103) matches a name listed on the transaction.
11. The method of any one of the preceding claims, wherein the confirmation comprises an application programming interface call.
12. The method of any one of the preceding claims, further comprising transmitting a command to one or more remote readers to authorize the contactless device during the period of time.
13. A computer program which, when executed by one or more processors, causes the one or more processors to carry out the method of any one of the preceding system claims.
14. A computer readable medium storing the computer program of claim 13.
15. A system comprising one or more processors arranged to carry out the method of any one of claims 1 to 12.

Description

RELATED APPLICATIONS This application claims priority to U.S. Patent Application No. 16/168,765, filed on October 23, 2018, the entire disclosure of which is incorporated by reference in the present application. TECHNICAL FIELD The present disclosure relates generally to the field of multicomputer data transferring. More specifically, and without limitation, this disclosure relates to systems and methods for using multicomputer data transferring to provide contactless communication. BACKGROUND Contactless technologies, such as radio frequency identification (RFID), near field communication (NFC), and the like, are often used in transportation systems, hotel rooms, and other systems. However, such systems use different contactless cards or require different applications executed on mobile phones or other mobile devices to interact with different systems. Moreover, contactless systems are often activated manually. For example, a user may use a website to activate a contactless card, may use a kiosk to activate a contactless card or mobile phone application, or may otherwise manually activate a particular card or device for use on a particular system. SUMMARY In view of the foregoing, embodiments of the present disclosure describe systems and methods for using multicomputer data transferring to provide contactless near-field communication. The provided systems allow for automatic activation of a contactless card or mobile phone application in response to a transaction. Accordingly, the systems provided herein may eliminate manual steps required to activate contactless communication. Embodiments of the present disclosure may further use multicomputer data transferring to provide portability of a contactless card or mobile phone application. In particular, systems may communicate across remote servers to active communications between readers and contactless cards or mobile phones that otherwise would not be permitted. In one embodiment, the present disclosure describes a system for using multicomputer data transferring to activate a contactless card that may comprise at least one memory storing instructions and at least one processor configured to execute the instructions to perform one or more operations. The operations may comprise receiving a transaction associated with a merchant on a list of merchants stored in the at least one memory; determining, based on the merchant, a remote server associated with the merchant; assembling a data packet including an identifier of the contactless card and an identifier of the transaction; transmitting the data packet to the determined server across one or more computer networks; receiving confirmation from the determined sever in response to the data packet; and transmitting the confirmation to a user device associated with the transaction. In one embodiment, the present disclosure describes a system for using multicomputer data transferring to activate a contactless mobile device that may comprise at least one memory storing instructions and at least one processor configured to execute the instructions to perform one or more operations. The operations may comprise receiving a transaction associated with a merchant on a list of merchants stored in the at least one memory; determining, based on the merchant, a remote server associated with the merchant; assembling a data packet including an identifier of the contactless mobile device and an identifier of the transaction; transmitting the data packet to the determined server across one or more computer networks; receiving confirmation from the determined sever in response to the data packet; receiving an access code from the determined server configured to authorize the contactless mobile device to access a contactless network associated with the merchant; and transmitting the confirmation and the access code to the contactless mobile device. The contactless mobile device may be configured to transmit the access code to a contactless reader of the contactless network. In one embodiment, the present disclosure describes a system for using multicomputer data transferring to activate contactless access that may comprise at least one memory storing instructions and at least one processor configured to execute the instructions to perform one or more operations. The operations may comprise receiving, from a remote server, an identifier of a transaction and an identifier of a contactless device; retrieving a period of time associated with the transaction; verifying that the contactless device is associated with the transaction; transmitting a command to one or more remote readers to authorize the contactless device during the period of time; and transmitting confirmation to the remote server. In one embodiment, the present disclosure describes a contactless card for use across a plurality of computing systems. The card may comprise at least one coil configured to transduce at least one radio frequency signal and at least one circ