Token Payment Method, Capital One, Filed Nov 2025
Summary
Token Payment Method, Capital One, Filed Nov 2025
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GovPing monitors USPTO Patent Applications - Business Methods (G06Q) for new banking & finance regulatory changes. Every update since tracking began is archived, classified, and available as free RSS or email alerts — 33 changes logged to date.
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Apr 25, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
TOKEN SERVICE PROVIDER FOR ELECTRONIC/MOBILE COMMERCE TRANSACTIONS
Application US20260111890A1 Kind: A1 Apr 23, 2026
Inventors
Nitin Prabhu, Dinesh Gomes, Ian Povey
Abstract
A method for verifying transactions is discussed. The method includes receiving a transaction request for performing a transaction between a user account and a merchant account. The method includes determining, based on authentication of the user account, a common identifier associated with the user account, the common identifier indicating the user account being authorized for use at a plurality of merchant accounts including the merchant account. The method includes determining a payment token for performing the transaction, the determining the payment token based on the common identifier and a user associated with the user account. The method also includes providing the payment token for completing the transaction.
CPC Classifications
G06Q 20/40 G06Q 20/3821 H04L 63/08 H04L 63/102 H04W 12/06 H04W 12/068
Filing Date
2025-11-12
Application No.
19387436
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