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

Claim 10:
11. A method for activating a contactless card with merchant-provided access codes, the method comprising:
receiving, by a first server, a transaction initiated by the contactless card, wherein the transaction corresponds to an access request;
retrieving, by the first server responsive to the transaction, an identifier of a second server from a merchant database based on the transaction, wherein the second server stores the one or more merchant-provided access codes;
assembling, by the first server, a data packet comprising an identifier of the contactless card, and a transaction identifier associated with the transaction;
transmitting the data packet, by the first server via an application programming interface (API) call, to the second server;
in response to receiving, by the second server via the API call, the data packet:
retrieving, by the second server, an identifier of a reader device from a reader database based on the received data packet;
generating, by the second server, an authorization response, wherein the authorization response comprises a reader access code, and the identifier of the contactless card, wherein the reader access code is one of the merchant-provided access codes;
transmitting, by the second server, the authorization response to the reader device based on the retrieved identifier of the reader device;
transmitting, by the second server, the reader access code to the first server; and

upon receiving the reader access code, transmitting, by the first server, the reader access code to the contactless card, wherein the contactless card transmits the reader access code to the reader device to authorize the access request associated with the transaction.