Patent ID: 11928667
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 16:
17. A system, comprising:
a contactless card, comprising:
a transponder configured for near field communication;
a wireless communicator;
a control circuit comprising a microprocessor, wherein the control circuit is in data communication with the transponder and the wireless communicator; and

a first server comprising a first processor, a first memory, and a first network controller; and
a second server comprising a second processor, a second memory, and a second network controller, wherein second server is in data communication with the first server;
a merchant database in data communication with the first server, wherein the merchant database stores locations of one or more servers associated with one or more merchants; and
a reader database in data communication with the second server, wherein the reader database stores one or more transaction properties associated with one or more locations of reader devices,
wherein, the first memory storing instructions that, when executed by the first processor, cause the first processor to perform operations comprising:
receiving a transaction initiated by the contactless card, the transaction corresponding to an access request,
in responsive to the transaction, retrieve an identifier of the second server from the merchant database,
assembling a data packet comprising an identifier of the contactless card, and a transaction identifier, and
transmitting, via an application programming interface (API) call, the data packet to the second server,

wherein, the second memory storing instructions that, when executed by the second processor, cause the second processor to perform operations comprising:
receiving, via the API call, the data packet,
responsive to receiving the data packet, retrieving an identifier of a reader device, associated with the access request, from the reader database,
generating an authorization response comprising a reader access code associated with the reader device, and the identifier of the contactless card,
transmitting the authorization response to the reader device based on the retrieved identifier of the reader device, and
transmitting the reader access code to the first server,

wherein the first memory stores instructions that, when executed by the first processor, cause and first processor to perform further operations comprising:
upon receiving the reader access code, transmitting the reader access code to the contactless card via an intermediary user device, wherein the intermediary user device communicates via data connectivity with the first server and a short-range wireless connectivity with the contactless card.