US 12,328,651 B2
System and method for varying a function triggered by near field communication
David Gabriele, Boston, MA (US); Wayne Lutz, Fort Washington, MD (US); Lin Ni Lisa Cheng, Fresh Meadows, NY (US); Daniel John Marsch, Arlington, VA (US); Tyler Maiman, Melville, NY (US); Saleem Ahmed Sangi, McLean, VA (US); and Kevin Osborn, Newton Highlands, MA (US)
Assigned to CAPITAL ONE SERVICES, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Jul. 1, 2021, as Appl. No. 17/365,505.
Application 17/365,505 is a continuation of application No. 16/428,579, filed on May 31, 2019, granted, now 11,089,461.
Claims priority of provisional application 62/679,571, filed on Jun. 1, 2018.
Prior Publication US 2021/0329437 A1, Oct. 21, 2021
Int. Cl. H04W 4/80 (2018.01); G01S 1/68 (2006.01); G06Q 20/32 (2012.01); H04B 17/318 (2015.01); H04L 67/141 (2022.01); H04W 4/029 (2018.01); H04W 24/08 (2009.01); H04W 52/02 (2009.01); H04W 64/00 (2009.01); G06F 3/01 (2006.01); G06F 3/14 (2006.01); H04W 76/10 (2018.01)
CPC H04W 4/80 (2018.02) [G01S 1/68 (2013.01); G06Q 20/3278 (2013.01); H04B 17/318 (2015.01); H04L 67/141 (2013.01); H04W 4/029 (2018.02); H04W 24/08 (2013.01); H04W 52/0229 (2013.01); H04W 52/0245 (2013.01); H04W 64/003 (2013.01); G06F 3/017 (2013.01); G06F 3/14 (2013.01); H04W 76/10 (2018.02)] 20 Claims
OG exemplary drawing
 
1. An automated method of activating a function in a user processing device associated with an account, the method comprising:
receiving, by a tag rule application server from a user processing device over a network, near filed communication (NFC) information associated with an NFC transmitting device;
determining by the tag rule application server from the NFC information, a tag identifier associated with the NFC transmitting device;
verifying by the tag rule application server, the authenticity of the NFC interaction between the NFC transmitting device and the user processing device by unencrypting a communication-specific encrypted verification block in the NFC information;
determining by the tag rule application server if the tag identifier is associated with one of a plurality of rules in a rules database associated with the account, each tag rule including rule application criteria and an action to be taken upon the rule application criteria being met; and
responsive to a determination that the tag identifier is associated with one of the plurality of rules,
determine if the rule application criteria for the one of the plurality of rules have been met, and
responsive to a determination that such rule application criteria have been met, performing a first action for the one of the plurality of rules, wherein the first action comprises transmitting a first merchant communication for display on the user processing device;
automatically replacing, by the tag rule application server in the rules database, the first action for the one of the plurality of rules with a second action upon the initiation of the first action for the one of the plurality of rules and notification of the first communication with the NFC transmitting device, wherein the second action comprises transmitting a second merchant communication for display on the user processing device; and
performing the second action upon a subsequent NFC interaction with a tag identifier meeting the same rule application criteria required to initiate the first action.