Patent ID: 11889480
Assignee: BANK OF AMERICA CORPORATION
Field: Digital communication (Electrical engineering)
Classification: CPC H  G | IPC G  H

Claim 7:
8. A computer program product for secure contactless distribution of dynamic resources, the computer program product comprising at least one non-transitory computer readable medium comprising computer readable instructions, the instructions comprising instructions for:
writing resource information onto a near field communication (NFC) chip associated with a user, wherein the resource information is stored in the form of a standard code that is readable by NFC reader devices;
detecting an NFC interaction between the NFC chip associated with the user and a computing device of the user;
causing the computing device of the user to extract the resource information from the NFC chip associated with the user, including a dynamic data value, wherein the dynamic data value comprises a multi-character code that is associated with the user;
comparing the dynamic data value to an expected dynamic data value stored in a relational database associated with the user to determine that the dynamic data value matches the expected dynamic data value;
in response to determining that the dynamic data value matches the expected dynamic data value, automatically loading the resource information into a digital wallet stored in the computing device of the user;
erasing the resource information from the NFC chip associated with the user in response to the determining that the dynamic data value is different than the expected dynamic data value;
writing new resource information onto the NFC chip associated with the user upon erasing the resource information from the NFC chip associated with the user;
receiving a transaction request associated with the user;
transmitting a prompt for transaction information associated with the transaction request;
detecting, at a transaction authentication device, an NFC interaction between the transaction authentication device and the computing device of the user; and
extracting the resource information and process the requested transaction using the extracted resource information.