Embedded tag for resource distribution

Patent metadata

Field	Value
Publication number	US-10998937-B2
Application number	US-201916399709-A
Country	US
Kind code	B2
Filing date	Apr 30, 2019
Priority date	Apr 30, 2019
Publication date	May 4, 2021
Grant date	May 4, 2021

Abstract

Embodiments of the invention are directed facilitating an electronic resource distribution by embedding a short-range wireless tag in a resource distribution request that stores instructions for processing the resource distribution in a fully electronic processing flow. As such, the resource distribution request holder is capable of processing the request without issuing a resource distribution document to the resource requester. In additional embodiments of the invention, the short-range wireless tag further stores instructions for arranging subsequent resource distributions to the resource requester to occur without the need for the resource requester to present a resource request document.

First claim

What is claimed is:

1. A system for facilitating resource distribution, the system comprising:
a physical document having indicia configured to request a resource distribution;
a short-range wireless tag embedded within the physical document and storing first instructions configured for at least one of requesting electronic processing of the resource distribution or completing electronic processing of the resource distribution, wherein the first instructions include a request identifier, requesting party identifier, and a resource distribution amount; and
a mobile communication device including a memory, a processor in communication with the memory and a short-range wireless receiver in communication with the processor and configured to, in response to the mobile communication device being within a prescribed near-field distance of the short-range wireless tag, (i) read the first instructions for at least one of requesting electronic processing of the resource distribution or completing electronic processing of the resource distribution, and (ii) launch a mobile application on the mobile application device and load the request in the mobile application including loading the resource distribution amount and at least one of the request identifier and the requesting party identifier.

2. The system of claim 1 , wherein the processor is configured to, in response to the short-range wireless receiver reading the first instructions for completing electronic processing of the resource distribution, (iii) in response to loading the request, automatically initiate and complete electronic processing of the resource distribution.

3. The system of claim 2 , wherein the processor is configured to, in response to the short-range wireless receiver reading the first instructions for completing electronic processing of the resource distribution, generate and provide an alert to the mobile communication device that is configured to notify the user of the automatic initiation and completion of the electronic processing of the resource distribution.

4. The system of claim 1 , wherein the processor is further configured to generate and provide an alert to the mobile communication device that is configured to notify the user that the request for electronic processing of the resource distribution is loaded in the mobile application.

5. The system of claim 1 , wherein the short-range wireless tag stores second instructions for configured to arrange subsequent requests for resource distribution to occur absent issuance of a physical document requesting resource distribution.

6. The system of claim 5 , wherein the short-range wireless receiver is configured to, in response to the mobile communication device being within a prescribed near-field distance of the short-range wireless tag, read the second instructions configured to arrange subsequent requests for resource distribution to occur absent issuance of the physical document requesting resource distribution and wherein the processor is configured to generate and provide an alert to the user that includes information for arranging the subsequent requests for resource distribution to occur in a fully electronic manner.

7. The system of claim 1 , wherein the short-range wireless tag stores second instructions for configuring subsequent requests for resource distribution to occur automatically via fully electronic processing.

8. The system of claim 7 , wherein the short-range wireless receiver is configured to, in response to the mobile communication device being within a prescribed near-field distance of the short-range wireless tag, read the second instructions for configuring subsequent requests for resource distribution to occur automatically via fully electronic processing and wherein the processor is configured to perform actions for setting up automatic resource distribution for subsequent requests for resource distribution.

9. An apparatus for facilitating resource distribution, the apparatus comprising:
a physical document having indicia configured to request a resource distribution; and
a Near-Field Communication (NFC) tag embedded within the physical document storing first instructions configured for at least one of requesting electronic processing of the resource distribution or completing electronic processing of the resource distribution, wherein the first instructions include a request identifier, requesting party identifier, and a resource distribution amount.

10. The apparatus of claim 9 , wherein the short-range wireless tag stores second instructions for requesting that a user of the mobile communication device arrange subsequent requests for resource distribution to occur absent issuance of a physical document requesting resource distribution.

11. The apparatus of claim 9 , wherein the short-range wireless tag stores second instructions for store second instructions for configuring subsequent requests for resource distribution to occur automatically via fully electronic processing.

12. A method for facilitating resource distribution, the method comprising:
embedding a short-range wireless tag in a physical document having indicia configured to request a resource distribution;
storing on the short-range wireless tag first instructions configured to, at least one of, request electronic processing of the resource distribution or complete electronic processing of the resource distribution, wherein the first instructions include a request identifier, requesting party identifier, and a resource distribution amount; and
in response to the short-range wireless tag being within a prescribed near-field distance to an short-range wireless receiver within a mobile communication device, (i) reading the first instructions for at least one of requesting electronic processing of the resource distribution or completing electronic processing of the resource distribution, and (ii) launching a mobile application on the mobile application device and loading the request in the mobile application including loading the resource distribution amount and at least one of the request identifier and the requesting party identifier.

13. The method of claim 12 , further comprising, in response to the short-range wireless receiver reading the first instructions for completing electronic processing of the resource distribution, (iii) in response to loading the request, automatically initiating and completing electronic processing of the resource distribution.

14. The method of claim 13 , further comprising, in response to the short-range wireless receiver reading the first instructions for completing electronic processing of the resource distribution, generating and providing, by a computing device processor in the mobile communication device, an alert to the mobile communication device that is configured to notify the user of the automatic initiation and completion of the electronic processing of the resource distribution.

15. The method of claim 12 , further comprising, in response to the short-range wireless receiver reading the instructions for requesting electronic processing of the resource distribution, generating and providing, by the computing device processor, an alert to the mobile communication device that is configured to notify the user that the request for electronic processing of the resource distribution is loaded in the mobile application.

16. The method of claim 12 , wherein storing further comprises storing on the short-range wireless tag second instructions for requesting that a user of the mobile communication device arrange subsequent requests for resource distribution to occu

Assignees

• Bank Of America

Inventors

• Mcconnell Patrick Thomas
• Burks William Bradley
• Doherty Daniel James
• Dupont Justin Riley
• Elliott Thomas
• England Tony
• Murphy Matthew
• Parker Nickolas Patrick
• Selfridge Stephen Philip
• Twombly Steven Michael
• Williams James J

Classifications

• H04W4/80

  Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication · CPC title

• G06K7/10297

  arrangements for handling protocols designed for non-contact record carriers such as RFIDs NFCs, e.g. ISO/IEC 14443 and 18092 (cryptographic protocols H04L9/00; network security protocols H04L63/00; real-time communication protocols in data switching networks H04L65/00; network protocols for data switching network services H04L67/00) · CPC title

• G06K19/0723

  the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs · CPC title

• H04B5/0056 Primary

  Electricity · mapped topic

• H04B5/77 Primary

  for interrogation · CPC title