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

Claim 14:
15. A computer implemented method for secure contactless distribution of dynamic resources, said computer implemented method comprising:
providing a computing system comprising a computer processing device and a non- transitory computer readable medium, where the computer readable medium comprises configured computer program instruction code, such that when said instruction code is operated by said computer processing device, said computer processing device performs the following operations:
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.