USPTO issued Patent US12591876B2 to Capital One Services, LLC for a system enabling mobile devices to launch shopping applications or browser extensions upon verified cryptogram authentication from a contactless payment card. The technology involves receiving a cryptogram, verifying it, and automatically triggering launch of merchant or shopping applications when conditions are satisfied. The patent was filed April 7, 2023, as Application No. 18131935, and is classified under CPC G06Q 20/352.

This is a patent grant notification with no compliance requirements. Financial institutions, fintech companies, and mobile payment providers developing contactless card authentication systems should monitor this patent for potential licensing considerations or freedom-to-operate analysis. No immediate action is required, but IP and legal teams should assess whether their mobile payment technologies could implicate Capital One's claims.