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

Claim 14:
15. A non-transitory computer-readable storage medium storing computer-readable instructions that when executed by a processor cause the processor to:
receive, by a web browser executing on the processor, selection of a uniform resource locator (URL) in a merchant web page, the merchant web page associated with a transaction;
download, by an operating system (OS) executing on the processor, an application from an application server based on the URL, wherein the URL is directed to the application at the application server;
identify, by the application, a plurality of financial institution applications installed on a device comprising the processor;
select, by the application, a first financial institution application of the plurality of financial institution applications based on a respective score for each financial institution application, wherein the first financial institution application is associated with a first financial institution, wherein the respective scores are computed based on: (i) an amount of time that has elapsed since the respective financial institution application was used on a device including the processor, and (ii) a number of times the respective financial institution application has been used on the device;
receive, by the application, a cryptogram from a contactless card associated with the first financial institution;
transmit, by the application, the cryptogram to an authentication server of the first financial institution;
receive, by the application, an authentication result specifying the authentication server decrypted the cryptogram;
receive, by the web browser based on the decryption of the cryptogram by the authentication server, an account number, an expiration date associated with the account number, and a card verification value (CVV) associated with the account number; and
provide, by the web browser, the account number, the expiration date, and the CVV to a server associated with the application to process the transaction.