Patent ID: 11915209
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 10:
11. A system comprising:
at least one processor in communication with at least one non-transitory computer readable medium having software instructions stored thereon, wherein the at least one processor, upon execution of the software instructions, is configured to:
receive, from at least one computing device, tag data associated with a contactless communication tag attached to an applet-linked document;
wherein the applet-linked document specifies document fields defining a transfer request;
wherein the document fields comprise:
a document identifier that identifies the applet-linked document,
a document content,
a document recipient, and
a document sender;

wherein the tag data is extracted from a contactless signal emitted by the contactless communication tag in response to a reader signal of the at least one computing device;
wherein the tag data comprises a tag identifier and an applet identifier;
wherein the tag data comprises:
a document identifier data item representing the document identifier,
a document content data item representing the document content,
a document recipient data item representing the document recipient, and
a document sender data item representing the document sender;

receive an electronic transfer request associated with the transfer request of the applet-linked document, the electronic transfer request comprising the tag identifier and the document content data item representing a quantity to transfer from a user account;
determine, dynamically and in real-time, an account link that links the tag identifier to the user account associated with the at least one computing device;
access, dynamically and in real-time, a document entry in the user account for the applet-linked document based on the account link between the tag identifier and the user account, wherein the document entry stores a copy of the document content data item;
access, via the account link, the copy of the document content data item associated with the contactless communication tag of the applet-linked document based at least in part on the tag identifier;
determine the electronic transfer request to be a valid transfer request based on a comparison of the document content data item and the copy of the document content data item; and
authorize a transfer of the quantity from the user account when the transfer request is the valid transfer request.