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 |
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.
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