ALEXANDRIA, Va., June 4 -- United States Patent no. 12,321,923, issued on June 3, was assigned to Capital One Services LLC (McLean, Va.).

"Determining specific terms for contactless card activation" was invented by Jeffrey Rule (Chevy Chase, Md.), Marisa Thomas (Richmond, Va.) and Amy Apponyi (Midlothian, Va.).

According to the abstract* released by the U.S. Patent & Trademark Office: "Systems, methods, articles of manufacture, and computer-readable media for determining specific terms to activate a contactless card. An application executing on a server may receive a request from a device specifying a uniform resource locator comprising encrypted data, the encrypted data based at least in part on a private key assigned to a contactless ca...