Patent ID: 11922398
Assignee: CAPITAL ONE SERVICES, LLC
Field: Computer technology (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 8:
9. A computer-implemented method, comprising:
receiving, by a first application executing on a computer processor, a first request to perform a first computing operation from a first account of a second application;
receiving, by the first application, a cryptogram from a contactless card to authenticate the first account;
transmitting, by the first application, the cryptogram to an authentication server;
receiving, by the first application from the authentication server, a result that the authentication server decrypted the cryptogram;
receiving, by the first application from the authentication server, a permissions vector of the first account, the permissions vector comprising a plurality of entries;
determining, by the first application based on the permissions vector of the first account, that the first account is permitted access to the first computing operation via the second application;
performing the first computing operation by granting, by the first application, the first account access to the first computing operation based on the result that the authentication server decrypted the cryptogram and the permissions vector of the first account;
disabling, by the first application, a first feature of the second application based on a first entry of the plurality of entries of the permissions vector for the first account;
enabling, by the first application, a second feature of the second application based on a second entry of the plurality of entries of the permissions vector for the first account;
receiving, by the first application, a second request to perform the second feature comprising a second computing operation, the second request received from the first account;
receiving, from the contactless card, a second cryptogram;
transmitting the second cryptogram to the authentication server;
receiving, from the authentication server, a second result that the authentication server decrypted the second cryptogram;
performing the second computing operation by granting, by the first application based on the second result that the authentication server decrypted the second cryptogram and on the granting of access to the second application to the first account and the second entry of the permissions vector for the first account, the first account access to perform the second computing operation associated with the second feature; and
processing, by the second application based on the granting of the first account access to perform the second computing operation associated with the second feature, the second computing operation based on input received via the second feature.