US 11,915,209 B2
Computer-based systems and device configured for electronic authentication and verification of documents and methods thereof
Laith Hallaq, Manassas Park, VA (US); Ruby Rue Roman Estremera, Reston, VA (US); and Maneill Parekh, McLean, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Dec. 19, 2022, as Appl. No. 18/068,163.
Application 18/068,163 is a continuation of application No. 17/010,188, filed on Sep. 2, 2020, granted, now 11,531,971, issued on Dec. 20, 2022.
Prior Publication US 2023/0123329 A1, Apr. 20, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/10 (2012.01); G06Q 20/04 (2012.01); G06F 21/31 (2013.01); H04L 67/306 (2022.01); G06Q 20/32 (2012.01); H04M 1/725 (2021.01); H04L 9/40 (2022.01)
CPC G06Q 20/042 (2013.01) [G06F 21/31 (2013.01); G06Q 20/3278 (2013.01); H04L 63/102 (2013.01); H04L 67/306 (2013.01); H04M 1/725 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
obtaining an applet-linked document having a contactless communication tag attached thereto:
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;
receiving, by at least one processor from at least one computing device, tag data associated with the contactless communication tag;
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;
receiving, by the at least one processor, 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;
determining, dynamically and in real-time, by the at least one processor, an account link that links the tag identifier to the user account associated with the at least one computing device;
accessing, dynamically and in real-time, by the at least one processor, 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;
accessing, by the at least one processor 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;
determining, by the at least one processor, 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
authorizing, by the at least one processor, a transfer of the quantity from the user account when the transfer request is the valid transfer request.