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

Claim 0:
1. A system for using multicomputer data transferring to activate a contactless user device, the system comprising:
a first server associated with the contactless user device, the first server being in data communication with a second server, and
the second server associated with a reader device, the second server being in data communication with the first server;
wherein the first server is configured to perform operations comprising:
receiving a transaction initiated by the user contactless device, wherein the transaction corresponds to an access request,
retrieving, in response to the transaction, an identifier of the second server from a merchant database, based on the transaction,
assembling a data packet comprising an identifier of the user contactless device and a transaction identifier associated with the transaction, and
transmitting the data packet, via an application programming interface (API) call, to the second server,

wherein the second server, in response to receiving, via the API call, the data packet, is configured to perform operations comprising:
retrieving an identifier of the reader device from a reader database based on the received data packet,
generating an authorization response comprising a reader access code associated with the reader device and the identifier of the user contactless device,
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 server, upon receiving the authorization response, is configured to perform further operations comprising:
transmitting the reader access code to the user contactless device, wherein the user contactless device transmits the reader access code to the reader device to authorize the access request associated with the transaction.