Capital One was granted a patent for server-side contactless card activation.

{
  "signal_id": "22fd297a-8715-57b3-af6d-aad8fd1ba73c",
  "signal_type": "patents-company",
  "signal_subtype": "patentGrant",
  "detected_at": "2026-09-30T17:22:00+00:00",
  "company": {
    "name": "Capital One",
    "domain": "capitalone.com"
  },
  "data": {
    "cpc": [
      {
        "code": "G06Q 20/354",
        "label": "Data processing systems for administrative, commercial, financial, managerial or supervisory purposes"
      },
      {
        "code": "G06Q 20/352",
        "label": "Data processing systems for administrative, commercial, financial, managerial or supervisory purposes"
      },
      {
        "code": "G06Q 20/3829",
        "label": "Data processing systems for administrative, commercial, financial, managerial or supervisory purposes"
      },
      {
        "code": "G06Q 2220/00",
        "label": "Data processing systems for administrative, commercial, financial, managerial or supervisory purposes"
      }
    ],
    "tags": [
      "Intellectual Property",
      "Research & Development",
      "Banking",
      "Financial Transactions",
      "Authentication"
    ],
    "detail": "In September 2026 Capital One patented a browser-based process for securely activating contactless cards used in payments and financial services.",
    "summary": "Capital One was granted a patent for server-side contactless card activation.",
    "event_at": "2026-09-29",
    "inventors": [
      {
        "name": "Jeffrey Rule",
        "status": "unresolved",
        "is_primary": true
      },
      {
        "name": "Wayne Lutz",
        "status": "resolved",
        "is_primary": false,
        "linkedin_url": "https://www.linkedin.com/in/wayne-lutz"
      }
    ],
    "tech_area": "business methods / CRM / fintech",
    "event_kind": "grant_date",
    "grant_date": "2026-09-29",
    "source_url": "https://patents.google.com/patent/US12749068",
    "cpc_primary": {
      "code": "G06Q 20/354",
      "label": "Data processing systems for administrative, commercial, financial, managerial or supervisory purposes"
    },
    "patent_title": "Server-side contactless card activation",
    "patent_number": "US12749068",
    "uspto_assignee": "Capital One Services, LLC",
    "patent_abstract": "Systems, apparatuses, computer-readable media, and methods are provided for activating a contactless card. A server may transmit, to a web browser on a client device, a web page. The server may receive, from the web browser, a request to activate a contactless card, the request including a cryptogram. The server may decrypt the cryptogram based on a key associated with the contactless card. The server may transition, based on the decryption of the cryptogram, the contactless card from an inactive payment state to an active payment state. The server may transmit, to the web page and based on the transition of the contactless card from the inactivated payment state to the activated payment state, an indication to activate a payment applet of the contactless card.",
    "precision_class": "structural",
    "invention_explanation": "A server verifies an encrypted code sent through a web browser, then switches the contactless card from inactive to active without exposing its secret key.",
    "technologies_mentioned": [
      "contactless payments",
      "card activation",
      "cryptography",
      "web browsers"
    ]
  }
}

curl https://signals.autobound.ai/v1/signals/22fd297a-8715-57b3-af6d-aad8fd1ba73c \
  -H "X-API-KEY: $AUTOBOUND_API_KEY"

curl -X POST https://signals.autobound.ai/v1/companies/enrich \
  -H "X-API-KEY: $AUTOBOUND_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"domain":"capitalone.com","limit":20}'