Contextual tapping engine

Patent metadata

Field	Value
Publication number	US-12347284-B2
Application number	US-202318216111-A
Country	US
Kind code	B2
Filing date	Jun 29, 2023
Priority date	Mar 20, 2019
Publication date	Jul 1, 2025
Grant date	Jul 1, 2025

Abstract

Various embodiments for contextual tapping engines. For example, an application executing on a computing device may authenticate credentials associated with an account and detect a tap of a contactless card to the computing device. The application may receive, from a communications interface of the contactless card, action data used to determine an action associated with the tap of the contactless card to the computing device. The application may determine a context of the application based on a current output of the application. The application may determine, based on the action data, the determined context, and data associated with the account, a first action associated with the tap of the contactless card to the computing device, the first action associated with at least one of the application and an operating system (OS). The application may initiate performance of the first action based on the tap of the contactless card.

First claim

What is claimed is:

1. A method, comprising:
receiving, by a point-of-sale (POS) terminal, action data via a near-field communication (NFC) exchange with a contactless card, wherein the action data comprises a link;
determining, by the POS terminal based on the link, a first application associated with the link and a first page of a plurality of pages of the first application associated with the link;
opening, by the POS terminal, the first page of the first application;
determining, by the POS terminal based on an output of the first application displayed on a display of the POS terminal, a first context of a plurality of contexts of the POS terminal, wherein the first application is one of a plurality of applications stored by the POS terminal;
determining, by the POS terminal, one or more rules-based actions to be performed based on the action data, the first context, or both; and
causing, by the POS terminal, performance of the one or more rules-based actions.

2. The method of claim 1 , wherein the action data is received via near-field communications (NFC), wherein the action data is in an NFC Data Exchange Format (NDEF).

3. The method of claim 1 , wherein the action data is used to determine the one or more rules-based actions associated with a tap of the contactless card to the POS terminal.

4. The method of claim 1 , further comprising:
receiving, by the POS terminal, a rule for causing performance of the one or more rules-based actions; and
determining, by the POS terminal, that an account associated with the contactless card satisfies the rule.

5. The method of claim 1 , wherein the one or more rules-based actions comprise a first action of a plurality of actions.

6. The method of claim 5 , wherein the one or more rules-based actions comprise a second action of the plurality of actions.

7. The method of claim 6 , wherein causing the performance of the one or more rules-based actions comprises causing performance of the first action and the second action based on the action data and the determined first context.

8. A point-of-sale (POS) terminal, comprising:
a processor; and
a memory storing instructions that, when executed by the processor, cause the processor to:
receive action data via a near-field communication (NFC) exchange with a contactless card, wherein the action data comprises a link;
determine, based on the link, a first application associated with the link and a first page of a plurality of pages of the first application associated with the link;
open the first page of the first application;
determine, based on an output of the first application displayed on a display of the POS terminal, a first context of a plurality of contexts of the POS terminal, wherein the first application is one of a plurality of applications stored by the POS terminal;
determine one or more rules-based actions to be performed based on the action data, the first context, or both; and
cause performance of the one or more rules-based actions.

9. The POS terminal of claim 8 , wherein the action data is received via near-field communications (NFC), wherein the action data is in an NFC Data Exchange Format (NDEF).

10. The POS terminal of claim 8 , wherein the action data is used to determine the one or more rules-based actions associated with a tap of the contactless card to the POS terminal.

11. The POS terminal of claim 8 , wherein the instructions further cause the processor to:
receive a rule for causing performance of the one or more rules-based actions; and
determine that an account associated with the contactless card satisfies the rule.

12. A non-transitory computer-readable storage medium, the computer-readable storage medium including instructions that when executed by a processor of a point-of-sale (POS) terminal, cause the processor to:
receive action data via a near-field communication (NFC) exchange with a contactless card, wherein the action data comprises a link;
determine, based on the link, a first application associated with the link and a first page of a plurality of pages of the first application associated with the link;
open the first page of the first application;
determine, based on an output of the first application displayed on a display of the POS terminal, a first context of a plurality of contexts of the POS terminal, wherein the first application is one of a plurality of applications stored by the POS terminal;
determine one or more rules-based actions to be performed based on the action data, the first context, or both; and
cause performance of the one or more rules-based actions.

13. The computer-readable storage medium of claim 12 , wherein the action data is received via near-field communications (NFC), wherein the action data is in an NFC Data Exchange Format (NDEF).

14. The computer-readable storage medium of claim 12 , wherein the action data is used to determine the one or more rules-based actions associated with a tap of the contactless card to the POS terminal.

15. The computer-readable storage medium of claim 12 , wherein the instructions further cause the processor to:
receive a rule for causing performance of the one or more rules-based actions; and
determine that an account associated with the contactless card satisfies the rule.

16. The computer-readable storage medium of claim 12 , wherein the one or more rules-based actions comprise a first action of a plurality of actions and a second action of the plurality of actions.

17. The computer-readable storage medium of claim 16 , wherein the instructions to cause the performance of the one or more rules-based actions comprise instructions to cause performance of the first action and the second action based on the action data and the determined first context.

Assignees

• Capital One Services Llc

Inventors

• Rule Jeffrey
• Herrington Daniel
• Hart Colin
• Heng Melissa Yoemans

Classifications

• G06K7/10386

  the interrogation device being of the portable or hand-handheld type, e.g. incorporated in ubiquitous hand-held devices such as PDA or mobile phone, or in the form of a portable dedicated RFID reader · CPC title

• G06N20/00

  Machine learning · CPC title

• G07F7/084

  Additional components relating to data transfer and storing, e.g. error detection, self-diagnosis · CPC title

• G07F7/0893

  the card reader reading the card in a contactless manner · CPC title

• G06Q20/352 Primary

  Contactless payments by cards · CPC title