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

Claim 5:
6. The method of claim 1, further comprising:
receiving, by the web browser, a selection of a second URL in a second merchant web page, the selection of the second URL to process a second transaction;
downloading, by the OS, a second application from the application server based on the second URL;
selecting, by the second application, a second financial institution corresponding to a second financial institution application of the plurality of financial institution applications installed on the device;
receiving, by the second application, a second cryptogram from a second contactless card associated with the second financial institution;
receiving, by the second application, an authentication result specifying a second authentication server associated with the second financial institution decrypted the second cryptogram;
receiving, by the web browser from the second authentication server and based on decryption of the second cryptogram by the second authentication server, a virtual account number, an expiration date for the virtual account number, and a CVV for the virtual account number; and
providing, by the web browser, the virtual account number, the expiration date for the virtual account number, and CVV for the virtual account number to a web server hosting the second merchant web page to process the second transaction.