US 11,889,480 B2
Resource distribution hub generation on a mobile device
Patrick Thomas McConnell, Huntersville, NC (US); William Bradley Burks, Charlotte, NC (US); Daniel James Doherty, Huntersville, NC (US); Justin Riley duPont, Charlotte, NC (US); Thomas Elliott, Redwood City, CA (US); Tony England, Tega Cay, SC (US); Matthew Murphy, Charlotte, NC (US); Nickolas Patrick Parker, Charlotte, NC (US); Stephen Philip Selfridge, Huntersville, NC (US); Steven Michael Twombly, Saco, ME (US); and James J. Williams, Lincoln University, PA (US)
Assigned to BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed by BANK OF AMERICA CORPORATION, Charlotte, NC (US)
Filed on Jan. 21, 2022, as Appl. No. 17/580,957.
Application 17/580,957 is a continuation of application No. 16/399,874, filed on Apr. 30, 2019, granted, now 11,234,235.
Prior Publication US 2022/0150878 A1, May 12, 2022
Int. Cl. H04W 72/044 (2023.01); H04W 4/80 (2018.01); G06F 9/50 (2006.01); H04W 12/06 (2021.01)
CPC H04W 72/044 (2013.01) [G06F 9/5011 (2013.01); H04W 4/80 (2018.02); H04W 12/068 (2021.01)] 21 Claims
OG exemplary drawing
 
1. A system for secure contactless distribution of dynamic resources, the system comprising:
a memory device; and
a processing device operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to:
write 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;
detect an NFC interaction between the NFC chip associated with the user and a computing device of the user;
cause 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;
compare 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 identified resource information into a digital wallet stored in the computing device of the user
erase 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;
write new resource information onto the NFC chip associated with the user upon erasing the resource information from the NFC chip associated with the user;
receive a transaction request associated with the user;
transmit a prompt for transaction information associated with the transaction request;
detect, at a transaction authentication device, an NFC interaction between the transaction authentication device and the computing device of the user; and
extract the resource information and process the requested transaction using the extracted resource information.