IP Library Granted Patent US 10,957,143
Granted Patent B2
US 10,957,143 · App. 16/826,439 · Granted Mar 23, 2021

Contextual tapping engine

Inventors: Jeffrey Rule (Chevy Chase, MD); Daniel Herrington (New York, NY); Colin Hart (Arlington, VA); Melissa Yoemans Heng (Glen Allen, VA)
Assignee: Capital One Services, LLC
G07F7/1008G06K7/10386G06N20/00G07F7/084G07F7/0893
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Quick Facts
Patent No.
US 10,957,143
App. No.
16/826,439
Filed
Mar 23, 2020
Granted
Mar 23, 2021
Kind
B2
Art Unit
2887
USPC
235/492
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.

Claims (63)

1. An apparatus, comprising:

a processor; and

a memory storing instructions which when executed by the processor cause the processor to:

receive, by an application executing on the processor from a contactless card, action data used at least in part to determine an action associated with a tap of the contactless card to the apparatus;

determine, by the application, a first context of a plurality of contexts of the application based at least in part on a current output of the application;

generate a predicted action by the application based on the action data, the first context, and a machine learning (ML) model, the ML model generated based on training data describing a plurality of actions performed responsive to a plurality of taps of a plurality of contactless cards to a plurality of devices; and

initiate, by the application, performance of the predicted action based on the tap of the contactless card to the apparatus.

2. The apparatus of claim 1 , the memory storing instructions which when executed by the processor cause the processor to:

authenticate, by the application, credentials associated with an account; and

detect, by the application, the tap of the contactless card to the apparatus.

3. The apparatus of claim 1 , wherein the output of the application comprises a first page of the application, the memory storing instructions which when executed by the processor cause the processor to:

analyze text displayed by the first page of the application to determine at least one concept in the text; and

determine the first context of the application based on: (i) at least one function provided by the first page of the application, (ii) the determined at least one concept in the text, and (iii) at least one contactless card associated with the first page of the application.

4. The apparatus of claim 3 , the memory storing instructions which when executed by the processor cause the processor to:

determine, by the application, a context of the apparatus based on a context of an operating system executing on the processor and the first context of the application, wherein the predicted action is further determined based on the context of the apparatus.

5. The apparatus of claim 1 , wherein the predicted action comprises one or more of: (i) a phone call, (ii) loading a page of the application, (iii) activating a component of an operating system (OS) executing on the processor, (iv) accessing a function of a different application executing on the OS, and (v) activating the contactless card.

6. The apparatus of claim 1 , the memory storing instructions which when executed by the processor cause the processor to:

receive input specifying a user-defined action to associate with the tap of the contactless card to the apparatus and the context of the application; and

cause an indication of the user-defined action being associated with the tap of the contactless card to the apparatus and the context of the application to be stored in a memory of the contactless card.

7. The apparatus of claim 1 , the memory storing instructions which when executed by the processor cause the processor to:

determine, by the application, that the action data comprises a uniform resource locator (URL); and

perform an operation associated with the URL.

8. A non-transitory computer-readable storage medium having computer-readable program code embodied therewith, the computer-readable program code executable by a processor circuit to cause the processor circuit to:

receive, by an application executing on the processor from a contactless card, action data used at least in part to determine an action associated with a tap of the contactless card to a device comprising the processor;

determine, by the application, a first context of a plurality of contexts of the application based at least in part on a current output of the application;

generate a predicted action by the application based on the action data, the first context, and a machine learning (ML) model, the ML model generated based on training data describing a plurality of actions performed responsive to a plurality of taps of a plurality of contactless cards to a plurality of devices; and

initiate, by the application, performance of the predicted action based on the tap of the contactless card to the device.

9. The non-transitory computer-readable storage medium of claim 8 , further comprising computer-readable program code executable by the processor circuit to cause the processor circuit to:

authenticate, by the application, credentials associated with an account; and

detect, by the application, the tap of the contactless card to the device.

10. The non-transitory computer-readable storage medium of claim 8 , wherein the output of the application comprises a first page of the application, further comprising computer-readable program code executable by the processor circuit to cause the processor circuit to:

analyze text displayed by the first page of the application to determine at least one concept in the text; and

determine the first context of the application based on: (i) at least one function provided by the first page of the application, (ii) the determined at least one concept in the text, and (iii) at least one contactless card associated with the first page of the application.

11. The non-transitory computer-readable storage medium of claim 10 , further comprising computer-readable program code executable by the processor circuit to cause the processor circuit to:

determine, by the application, a context of the device based on a context of an operating system of the device and the first context of the application, wherein the predicted action is further determined based on the context of the device.

12. The non-transitory computer-readable storage medium of claim 8 , wherein the predicted action comprises one or more of: (i) a phone call, (ii) loading a page of the application, (iii) activating a component of an operating system (OS) executing on the processor, (iv) accessing a function of a different application executing on the OS, and (v) activating the contactless card.

13. The non-transitory computer-readable storage medium of claim 8 ,

receive input specifying a user-defined action to associate with the tap of the contactless card to the device and the context of the application; and

store, in a memory of the contactless card, an indication of the user-defined action as being associated with the tap of the contactless card to the device and the context of the application.

14. The non-transitory computer-readable storage medium of claim 8 , further comprising computer-readable program code executable by the processor circuit to cause the processor circuit to:

determine, by the application, that the action data comprises a uniform resource locator (URL); and

perform an operation associated with the URL.

15. A method, comprising:

receiving, by an application executing on a processor of a device from a contactless card, action data used at least in part to determine an action associated with a tap of the contactless card to the device;

determining, by the application, a first context of a plurality of contexts of the application based at least in part on a current output of the application;

generating a predicted action by the application based on the action data, the first context, and a machine learning (ML) model, the ML model generated based on training data describing a plurality of actions performed responsive to a plurality of taps of a plurality of contactless cards to a plurality of devices; and

initiating, by the application, performance of the predicted action based on the tap of the contactless card to the device.

16. The method of claim 15 , wherein the output of the application comprises a first page of the application, the method further comprising:

analyzing text displayed by the first page of the application to determine at least one concept in the text; and

determining the first context of the application based on: (i) at least one function provided by the first page of the application, (ii) the determined at least one concept in the text, and (iii) at least one contactless card associated with the first page of the application.

17. The method of claim 15 , further comprising:

determining, by the application, a context of the device based on a context of an operating system of the device and the first context of the application, wherein the predicted action is further determined based on the context of the device.

18. The method of claim 15 , wherein the predicted action comprises one or more of: (i) a phone call, (ii) loading a page of the application, (iii) activating a component of an operating system (OS) executing on the processor, (iv) accessing a function of a different application executing on the OS, and (v) activating the contactless card, the method further comprising:

receiving input specifying a user-defined action to associate with the tap of the contactless card to the device and the context of the application; and

storing, in a memory of the contactless card, an indication of the user-defined action as being associated with the tap of the contactless card to the device and the context of the application.

19. The method of claim 15 , the method further comprising:

determining, by the application, that the action data comprises a uniform resource locator (URL); and

performing an operation associated with the URL.

20. The method of claim 15 , further comprising:

receiving, by the application, another action data from the contactless card based on a second tap of the contactless card to the device;

determining, by the application, a second context of the plurality of contexts of the application based on a second page of the application outputted on a display of the device;

generate a second predicted action by the application based on the another action data, the second context, and the ML model; and

initiate, by the application, performance of the second predicted action based on the second tap of the contactless card to the device.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Mar 23, 2020
From: RULE, JEFFREY; HERRINGTON, DANIEL; HART, COLIN; HENG, MELISSA YOEMANS
To: CAPITAL ONE SERVICES, LLC
Reel/Frame 052192/0404 →
Continuity (3)
Continuation 16589285 · Oct 1, 2019
Continuation 16359987 · Mar 20, 2019
Related Publication 20200302728A1 · Sep 24, 2020
Cited By (7)
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