US Patent 10909525 Account actions based on interactions with NFC-enabled card

In one embodiment, a method includes receiving, from a computing device of a first user, a request to transfer funds from a first account associated with the first user to a second account associated with a second user. The request to transfer funds may be generated by receiving a first token at the computing device of the first user through near-field communication with a first payment card and determining that the first token is associated with the second user. The method includes sending, in response to receiving the request to transfer funds, to the computing device of the first user, a request to authorize the transfer to the second account associated with the second user. The method includes receiving, from the device of the first user, an indication of authorization, wherein the indication of authorization is generated by receiving a second token at the device of the first user.