(19)
(11) EP 4 555 497 A1

(12)

(43) Date of publication:
21.05.2025 Bulletin 2025/21

(21) Application number: 23840316.6

(22) Date of filing: 13.07.2023
(51) International Patent Classification (IPC): 
G07F 7/08(2006.01)
G06Q 20/32(2012.01)
H04L 9/08(2006.01)
(52) Cooperative Patent Classification (CPC):
G06Q 20/32; G06Q 20/352; G06Q 20/353; G06Q 20/401; G06Q 20/341; G06Q 20/3563; G06Q 20/357; H04L 2209/80; H04L 9/3247; H04L 9/3242
(86) International application number:
PCT/US2023/027687
(87) International publication number:
WO 2024/015537 (18.01.2024 Gazette 2024/03)
(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 ME MK MT NL NO PL PT RO RS SE SI SK SM TR
Designated Extension States:
BA
Designated Validation States:
KH MA MD TN

(30) Priority: 13.07.2022 US 202263388859 P
12.09.2022 US 202263405749 P
09.06.2023 US 202318207831

(71) Applicant: Capital One Services, LLC
McLean, Virginia 22102 (US)

(72) Inventors:
  • KOSHY, Bob Uni
    McLean, VA 22102 (US)
  • BLOCKSOM, Jonathan
    McLean, TX 22102 (US)
  • WOLF, Michael
    McLean, VA 22102 (US)
  • BARRETT, Casey
    McLean, VA 22102 (US)
  • OSBORN, Kevin
    McLean, VA 22102 (US)
  • LUTZ, Wayne
    McLean, VA 22102 (US)

(74) Representative: Boult Wade Tennant LLP 
Salisbury Square House 8 Salisbury Square
London EC4Y 8AP
London EC4Y 8AP (GB)

   


(54) TECHNIQUES TO PROCESS CONTACTLESS CARD FUNCTIONS IN A MULTIPLE BANKING SYSTEM ENVIRONMENT