System and method for varying a function triggered by near field communication

Patent metadata

Field	Value
Publication number	US-2025301294-A1
Application number	US-202519203586-A
Country	US
Kind code	A1
Filing date	May 9, 2025
Priority date	Jun 1, 2018
Publication date	Sep 25, 2025
Grant date	—

Abstract

An automated method is provided for initiating a transaction function in a transaction processing device. The method comprises establishing near field communication between the transaction processing device and an NFC transmitting device having an associated tag identifier and receiving NFC information including the tag identifier. The transaction processing device transmits the NFC information to a merchant processor and receives from the merchant processor a tag rule communication including an instruction to carry out a transaction function associated with the tag identifier or a request to associate a new transaction function with the tag identifier. Responsive to receiving an instruction to carry out a transaction function associated with the tag identifier, the transaction processing device executes the transaction function. Responsive to receiving a request to associate a new transaction function with the tag identifier, the transaction processing device transmits a request response to the merchant processor.

First claim

What is claimed is:

1 . A method of initiating a transaction function in a transaction processing device, the method comprising:
establishing near field communication (NFC) between the transaction processing device and an NFC transmitting device having an associated tag identifier; receiving, by the transaction processing device from the NFC transmitting device, NFC information including the tag identifier; transmitting the NFC information by the transaction processing device to a merchant processor via a network; receiving, by the transaction processing device from the merchant processor, a tag rule communication including one of the set consisting of
an instruction to carry out a transaction function associated with the tag identifier, and
a request to associate a new transaction function with the tag identifier;
responsive to receiving an instruction to carry out a transaction function associated with the tag identifier, executing the transaction function by the transaction processing device; and responsive to receiving a request to associate a new transaction function with the tag identifier, transmitting a request response by the transaction processing device to the merchant processor.

2 . A method according to claim 1 wherein the NFC information includes a network address and the method further comprises:
establishing an interactive communication session with the merchant processor using the network address, the interactive communication session comprising the actions of transmitting the NFC information and receiving a tag rule communication.

3 . A method according to claim 2 wherein the interactive communication session further comprises:
transmitting by the transaction processing device transaction security information.

4 . A method according to claim 3 wherein the transaction security information includes at least one of the set consisting of
encryption information received from the NFC transmitting device, and
encrypted information encrypted using encryption information received from the NFC transmitting device.

5 . A method according to claim 1 wherein the NFC information comprises authentication information unique to the NFC transmitting device and the communication between the transaction processing device and the NFC transmitting device.

6 . A method according to claim 5 wherein at least a portion of the authentication information is encrypted.

7 . A method according to claim 2 wherein the action of receiving a tag rule communication comprises a request to associate a new transaction function with the tag identifier and the interactive communication session further comprises:
displaying to a user of the transaction processing device a plurality of transaction functions that can be associated with the tag identifier, receiving from the user a transaction function selection, and
transmitting, by the transaction processing device to the merchant server, the transaction function selection.

8 . A method according to claim 1 wherein the transaction function comprises instructions for at least one of the set consisting of
connecting to a web page using a web-browser on the transaction processing device,
initiating a purchase transaction,
initiating a merchandise or service order,
adding to a pending merchandise or service order,
displaying information about a merchant service or product,
storing transaction processing information, and
activating or deactivating a remotely controlled device.

9 . A method according to claim 1 further comprising
responsive to receiving an instruction to carry out a transaction function associated with the tag identifier,
displaying a request for a user of the transaction processing device to confirm that the transaction function should be carried out, and
receiving a confirmation response from the user,

wherein the action of executing the transaction function by the transaction processing device is conducted only upon receiving a positive confirmation response from the user.

10 . An automated method of activating a transaction function in a transaction processing device, the method comprising:
receiving, by a merchant processor from a transaction processing device over a network, near filed communication (NFC) information associated with an NFC transmitting device in NFC communication with the transaction processing device; determining from the NFC information, a tag identifier associated with the NFC transmitting device; determining if the tag identifier is associated with a defined transaction function; responsive to a determination that the tag identifier is not associated with a defined transaction function, associating by the merchant server a new transaction function with the tag identifier, responsive to a determination that the tag identifier is associated with a defined transaction function, transmitting, by the merchant server to the transaction processing device, an instruction to carry out the defined transaction function.

11 . An automated method according to claim 10 wherein after associating the new transaction function with the tag identifier in response to a determination that the tag identifier is not associated with a defined transaction function, transmitting, by the merchant server to the transaction processing device, an instruction to carry out the new transaction function.

12 . An automated method according to claim 10 wherein the merchant server is in communication with an NFC rules database comprising a plurality of known tag identifiers and associated transaction functions and the action of determining if the tag identifier is associated with a defined transaction function comprises comparing the tag identifier to the plurality of known tag identifiers.

13 . An automated method according to claim 10 wherein the action of associating a new transaction function with the tag identifier comprises establishing an interactive communication session with the transaction processing device, the interactive communication session comprising:
transmitting, by the merchant server to the transaction processing device for display to a user, a menu of transaction functions that can be associated with the tag identifier,
receiving by the merchant server from the transaction processing device an indicator of a selected transaction function.

14 . An automated method according to claim 13 wherein the action of associating a new transaction function with the tag identifier further comprises:
associating the selected transaction function with the tag identifier, and
storing the tag identifier and the indicator of the selected transaction function in an NFC rules database.

15 . An automated method according to claim 13 wherein the action of associating a new transaction function with the tag identifier further comprises, prior to establishing the interactive communication session, verifying authorization of at least one of the transaction processing device and the user to set an association between the tag identifier and a transaction function.

16 . A method according to claim 10 wherein at least a portion of the NFC information is encrypted.

17 . An automated method according to claim 10 wherein the transaction function comprises instructions for at least one of the set consisting of
connecting to a web page using a web-browser on the transaction processing device,
initiating a purchase transaction,
initiating a merchandise or service order,
adding to a pending merchandise or service order,
displaying information about a merchant

Assignees

• Capital One Services Llc

Inventors

• Gabriele David
• Lutz Wayne
• Cheng Lin Ni Lisa
• Marsch Daniel John
• Maiman Tyler
• Sangi Saleem Ahmed
• Osborn Kevin

Classifications

• H04B5/20

  characterised by the transmission technique; characterised by the transmission medium · CPC title

• H04B5/45

  Transponders · CPC title

• H04W24/08

  Testing, {supervising or monitoring} using real traffic · CPC title

• H04L67/141

  Setup of application sessions (admission control or resource allocation in data switching networks H04L47/70) · CPC title

• G06Q20/3278

  RFID or NFC payments by means of M-devices · CPC title