US Patent Issued to Capital One Services on March 11 for "Systems and methods of secure merchant payment over messaging platform using a contactless card" (Virginia, Maryland, Massachusetts Inventors)

ALEXANDRIA, Va., March 12 -- United States Patent no. 12,248,928, issued on March 11, was assigned to Capital One Services LLC (McLean, Va.).

"Systems and methods of secure merchant payment over messaging platform using a contactless card" was invented by Kevin Osborn (Newton Highlands, Mass.), Jeffrey Rule (Chevy Chase, Md.) and Rajko Ilincic (Annandale, Va.).

According to the abstract* released by the U.S. Patent & Trademark Office: "A method is provided including: receiving, by a server from a user device, a cryptogram of a contactless card, wherein the user device receives a payment request message from a merchant device, and the user device receives the cryptogram from a contactless card upon taping the contactless card to the user d...