Patent ID: 11961089
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 11:
12. The system of claim 11, the memory storing instructions that when executed by the processor cause the processor to, prior to providing the account number, the expiration date, and the CVV to the server associated with the application:
receive, by the application, input comprising an email address;
transmit, by the application, the email address to the authentication server;
determine, by the application, a phone number associated with the email address;
receive a one-time passcode from the authentication server, wherein the system is associated with the phone number;
receive, by the application, an input value;
compare, by the application, the input value to the one-time passcode; and
determine, by the application based on the comparison, that the input value matches the one-time passcode, wherein the application transmits the cryptogram to the authentication server based at least in part on the determination that the input value matches the one-time passcode.