Intelligent Contactless Card Unlock

ChangeBridge: Patent Grants - Business Methods (G06Q)

Published March 31st, 2026

Detected March 31st, 2026

Summary

The USPTO issued patent grant US12591877B2 to Capital One Services, LLC covering an intelligent contactless card unlock system. The patent describes technology enabling mobile applications to unlock payment cards for card-present transactions, with configurable permitted uses. The patent contains 20 claims and names three inventors.

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What changed

Capital One Services, LLC received USPTO Patent US12591877B2 for an intelligent system enabling locked contactless payment cards to be unlocked via a mobile application. The technology allows the mobile app to receive an unlock indication for the contactless card and present a graphical user interface showing permitted uses, which users can modify. The patent was filed November 16, 2023, as Application No. 18511295.

This is a patent grant notice with no compliance obligations. Companies developing mobile payment or contactless card technologies should review the patent claims to assess potential licensing needs or freedom-to-operate considerations. Intellectual property and legal teams may want to add this patent to prior art monitoring for the contactless payment card technology space.

Source document (simplified)

← USPTO Patent Grants

Intelligent card unlock

Grant US12591877B2 Kind: B2 Mar 31, 2026

Assignee

Capital One Services, LLC.

Inventors

Abdelkader M'Hamed Benkreira, Tyler Maiman, Brendan Way

Abstract

Various examples generally directed to unlocking a locked contactless card for use as payment in card-present transactions are provided. The contactless card is a payment card associated with a payment account. An application executing on a mobile device may be operable to enable unlocking the locked contactless card and receive an indication that the contactless card associated with the mobile device is unlocked for use in card-present transactions. The application may present information related to permitted uses of the unlocked contactless card via a graphical user interface. The permitted uses of the unlocked contactless card may be modified via the graphical user interface.