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

Claim 3:
4. The method of claim 3, further comprising prior to providing the account number, the expiration date, and the CVV to the server associated with the application:
receiving, by the application, input comprising an email address;
transmitting, by the application, the email address to the authentication server;
determining, by the application, a phone number associated with the email address;
receiving, by the device, a one-time passcode from the authentication server, wherein the device is associated with the phone number;
receiving, by the application, an input value;
comparing, by the application, the input value to the one-time passcode; and
determining, by the application based on the comparison, that the input value matches the one-time passcode, wherein the application transmits the cryptogram to the authentication server based at least in part on the determination that the input value matches the one-time passcode.