(19)
(11) EP 3 084 702 A1

(12)

(43) Date of publication:
26.10.2016 Bulletin 2016/43

(21) Application number: 14871567.5

(22) Date of filing: 18.12.2014
(51) International Patent Classification (IPC): 
G06Q 20/40(2012.01)
(86) International application number:
PCT/US2014/071152
(87) International publication number:
WO 2015/095517 (25.06.2015 Gazette 2015/25)
(84) Designated Contracting States:
AL AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HR HU IE IS IT LI LT LU LV MC MK MT NL NO PL PT RO RS SE SI SK SM TR
Designated Extension States:
BA ME

(30) Priority: 18.12.2013 US 201314132508

(71) Applicant: Capital One Financial Corporation
McLean VA 22102 (US)

(72) Inventors:
  • NICZYPORUK, Janusz, Michael
    Vienna, VA 22180 (US)
  • POOLE, Thomas, S.
    Chantilly, VA 20151 (US)
  • MORETON, Paul, Young
    Glen Allen, VA 23059 (US)

(74) Representative: Leonhard, Frank Reimund 
Leonhard & Partner Patentanwälte Postfach 10 09 62
80083 München
80083 München (DE)

   


(54) A SYSTEM AND METHOD FOR ENHANCED TOKEN-BASED PAYMENTS