公开(公告)号：US20200349552A1

公开(公告)日：2020-11-05

申请号：US16399873

申请日：2019-04-30

Applicant: BANK OF AMERICA CORPORATION

Inventor： Patrick Thomas McConnell ,  William Bradley Burks ,  Daniel James Doherty ,  Justin Riley duPont ,  Thomas Elliott ,  Tony England ,  Matthew Murphy ,  Nickolas Patrick Parker ,  Stephen Philip Selfridge ,  Steven Michael Twombly ,  James J. Williams

IPC: G06Q20/32 ,  G06Q20/34

Abstract: Embodiments of the present invention provide a system for secure contactless distribution of dynamic resources. Resource information may be written onto a near field communication (“NFC”) chip associated with a user, and a dynamic resource value element can be associated with this NFC chip. When an NFC interaction between the NFC chip associated with the user and a computing device of the user is detected, the computing device of the user extracts the resource information from the NFC chip, along with a dynamic resource value. The dynamic resource value is compared to an expected dynamic resource value and, if the values match, the extracted resource information is populated into memory fields of the computing device of the user.

公开(公告)号：US20200348976A1

公开(公告)日：2020-11-05

申请号：US16399767

申请日：2019-04-30

Applicant: BANK OF AMERICA CORPORATION

Inventor： Patrick Thomas McConnell ,  William Bradley Burks ,  Daniel James Doherty ,  Justin Riley duPont ,  Thomas Elliott ,  Tony England ,  Matthew Murphy ,  Nickolas Patrick Parker ,  Stephen Philip Selfridge ,  Steven Michael Twombly ,  James J. Williams

IPC: G06F9/50 ,  G06K9/00 ,  G06F16/9035 ,  G06F16/953 ,  H04W4/80

Abstract: Embodiments of the invention are directed to facilitating electronic resource distribution by including computer-readable indicia or a short-range wireless tag on a physical resource distribution document/instrument that stores or provides access to instructions for requesting and/or processing subsequent resource distributions between the resource requester and requester provider fully electronically (i.e., absent the need for a resource distribution request document or a resource distribution document/instrument).