IP Library › Granted Patent US 12,217,248
Granted Patent B1
US 12,217,248 · App. 17/374,428 · Granted Feb 4, 2025

Payment vehicle with on and off function

Inventors: Michael T. Duke (Monroe, NC); Dean Patrick Nolan (Charlotte, NC)
Assignee: Wells Fargo Bank, N.A.
G06Q20/382G06Q20/105G06Q20/40G06Q20/405G06Q20/42G06Q40/00
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Quick Facts
Patent No.
US 12,217,248
App. No.
17/374,428
Granted
Feb 4, 2025
Kind
B1
Abstract

A computer-based network system and method for using a payment vehicle having an on and off function. The system comprises a payment vehicle comprising an on and off function to enable or to disable the payment vehicle in the computer-based network for processing an electronic payment transaction, a holder of the payment vehicle, and a computer payment network wherein the computer payment network comprises a transaction engine for enabling or for disabling the payment vehicle at a request of the holder of the payment vehicle.

Claims (39)

1. A method comprising:

receiving, by a computing system of an issuer of a payment vehicle, a first text message from a mobile computing device of a holder of the payment vehicle, the first text message including a user-input instruction of the holder of the payment vehicle, the user-input instruction providing a time range during which transfers from an online banking account for the payment vehicle are to be disabled while permitting access to a status of the online banking account;

receiving, by the computing system, a request for a transfer from the online banking account for the payment vehicle to a recipient;

determining, by the computing system, that the request for the transfer from the online banking account for the payment vehicle to the recipient is received during the time range provided in the user-input instruction; and

in response to determining that the request for the transfer from the online banking account for the payment vehicle is received during the time range:

denying, by the computing system, the request for the transfer from the online banking account for the payment vehicle,

transmitting, by the computing system, a second text message to the mobile computing device indicating that the request for the transfer is denied, and

transmitting, by the computing system, an electronic message to a point-of-sale (POS) terminal of the recipient indicating that the request for the transfer is denied;

receiving, by the computing system, a third text message from the mobile computing device, the third text message including a second user-input instruction with criteria defining unauthorized transactions electronically processed by a computer-based payment network for the payment vehicle; and

updating, by a transaction engine of the computing system, logic associated with the payment vehicle such that electronic transaction requests meeting the criteria are automatically denied and electronic transaction requests not meeting the criteria are approved without requiring subsequent authorization from the holder of the payment vehicle.

2. The method according to claim 1 , wherein approved transactions are settled by the issuer using a funding source linked to the payment vehicle.

3. The method according to claim 1 , further comprising, transmitting, by the computing system and to the mobile computing device, a confirmation text message that the logic has been updated.

4. The method according to claim 1 , further comprising:

receiving, by the computing system, an additional text message from the mobile computing device with a term “off” in the text message; and

updating, by the transaction engine of the computing system, the logic such that the payment vehicle is deactivated for all transactions in response to receiving the additional text message.

5. The method according to claim 1 , wherein the transaction engine resides in the computing system of the issuer of the payment vehicle, the computing system of the issuer being part of the computer-based payment network.

6. The method of claim 1 , further comprising:

receiving, by the computing system, an electronic transaction request from the POS terminal, the electronic transaction request having been generated by the POS terminal following presentation of the payment vehicle to the POS terminal; and

determining, based the logic, that the electronic transaction request meets the criteria defined by the text message.

7. The method of claim 6 , further comprising, in response to determining that the electronic transaction request meets the criteria, declining, by the computing system, the electronic transaction request such that a payment corresponding to the electronic transaction request is not settled by the issuer.

8. The method of claim 7 , wherein declining the electronic transaction request comprises transmitting, by the computing system, a first electronic message to the POS terminal indicating that the payment vehicle is rejected for meeting criteria from the holder of the payment vehicle defining unauthorized transactions.

9. The method of claim 6 , further comprising, in response to determining that the electronic transaction request meets the criteria, transmitting, by the computing system, a second electronic message to the mobile computing device indicating that the electronic transaction request is declined for meeting criteria from the holder of the payment vehicle defining unauthorized transactions.

10. The method according to claim 1 , wherein the criteria define transactions falling within a defined transaction amount range.

11. The method according to claim 1 , wherein the criteria define transactions conducted at a set of merchants.

12. The method according to claim 1 , wherein the criteria define unauthorized transactions based on a type of goods.

13. The method according to claim 1 , wherein the criteria define unauthorized transactions based on whether the transactions are for internet purchases.

14. The method according to claim 1 , wherein the criteria include a merchant category code corresponding to a category of merchants at which transactions are unauthorized.

15. The method according to claim 1 , wherein the criteria include a country code identifying countries in which transactions are unauthorized.

16. The method of according to claim 1 , wherein the text message comprises a short message service (SMS) text message.

17. A computing system of an issuer of a payment vehicle, the computing system comprising one or more processors coupled to memory, the computing system configured to:

receive a text message from a mobile computing device of a holder of the payment vehicle, the text message including a user-input instruction of the holder of the payment vehicle, the user-input instruction providing a time range during which transfers from an online banking account for the payment vehicle are to be disabled while permitting access to a status of the online banking account;

receive a request for a transfer from the online banking account for the payment vehicle to a recipient;

determine that the request for the transfer from the online banking account for the payment vehicle to the recipient is received during the time range provided in the user-input instruction; and

in response to determining that the request for the transfer from the online banking account for the payment vehicle is received during the time range:

deny the request for the transfer from the online banking account for the payment vehicle,

transmit a second text message to the mobile computing device indicating that the request for the transfer is denied, and

transmit an electronic message to a point-of-sale (POS) terminal of the recipient indicating that the request for the transfer is denied;

receive a third text message from the mobile computing device, the third text message including a second user-input instruction with criteria defining unauthorized transactions electronically processed by a computer-based payment network for the payment vehicle; and

update logic associated with the payment vehicle such that electronic transaction requests meeting the criteria are automatically denied and electronic transaction requests not meeting the criteria are approved without requiring subsequent authorization from the holder of the payment vehicle.

Assignments (3)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jul 13, 2021
From: DUKE, MICHAEL T.; NOLAN, DEAN PATRICK
To: WACHOVIA CORPORATION
Reel/Frame 056840/0001 →
MERGER Recorded Jul 13, 2021
From: WACHOVIA CORPORATION
To: WELLS FARGO & COMPANY
Reel/Frame 056840/0141 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jul 13, 2021
From: WELLS FARGO & COMPANY
To: WELLS FARGO BANK, N.A.
Reel/Frame 056840/0268 →
Continuity (3)
Continuation 13829236 · Mar 14, 2013
Division 12316996 · Dec 18, 2008
Provisional Application 61197872 · Oct 31, 2008
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