Granted Patent B2

US 12,511,649 · App. 18/587,626 · Granted Dec 30, 2025

Inventors: Michael T. Duke (Monroe, NC); Dean Patrick Nolan (Charlotte, NC)

Assignee: Wells Fargo Bank, N.A.

G06Q20/382

Abstract

Claims (56)

1 . A computing system comprising:

a processor, and memory, the memory comprising instructions executable by the processor, the instructions comprising:

a transaction engine configured to:

receive first data from a remote device, wherein the first data comprises a user-input command to enable or disable a payment vehicle;

generate and transmit a first electronic message including a verification question to the remote device;

receive a second electronic message comprising second data;

determine that the second electronic message was received within a predetermined time interval of transmission of the first electronic message to the remote device;

determine that the second data includes an answer to the verification question; and

update, according to the command in the first data, a status of the payment vehicle to one of an enabled status or a disabled status in response to the determination that the second electronic message was received within the predetermined time interval and the determination that the second data includes the answer to the verification question.

2 . The computing system of claim 1 , wherein the first data comprises a text message with the user-input command.

3 . The computing system of claim 1 , wherein the first data comprises an email message with the user-input command.

4 . The computing system of claim 1 , wherein the command comprises a text string command with one or more terms corresponding to the enabled status or the disabled status.

5 . The computing system of claim 1 , wherein the transaction engine is further configured to:

responsive to receiving the first data, determine that the user-input command is to change a status of a payment vehicle to one of the enabled status or the disabled status, wherein a computer payment network restricts payment vehicles with the disabled status from being used to make electronic payments; and

generate the verification question responsive to the determination that the user-input command is to change the status of the payment vehicles to one of the enabled status or the disabled status.

6 . The computing system of claim 1 , wherein the transaction engine is configured to update the status of the payment vehicle to the disabled status to disable subsequent use of the payment vehicle to make electronic payments via a computer payment network in response to the determination that the second electronic message was received within the predetermined time interval and to the analysis verifying the answer to the verification question.

7 . The computing system of claim 1 , wherein the transaction engine is configured to transmit the status of the payment vehicle to the remote device in response to the command indicating an instruction to disable the payment vehicle and further in response to the determination that the second electronic message was received within the predetermined time interval and the determination that the response data includes the answer to the verification question.

8 . The computing system of claim 1 , wherein the transaction engine is further configured to, subsequent to the status being updated to the enabled status, authorize a payment based on the enabled status of the payment vehicle.

9 . The computing system of claim 1 , wherein the transaction engine is further configured to, subsequent to the status being updated to the disabled status, decline a payment based on the disabled status of the payment vehicle.

10 . The computing system of claim 1 , wherein the transaction engine is further configured to:

identify the user as a registered payment vehicle holder;

responsive to identifying the user as the registered payment vehicle holder, generate the first electronic message.

11 . The computing system of claim 10 , wherein the transaction engine is configured to analyze the first data and a phone number corresponding to the remote device to identify the user.

12 . The computing system of claim 1 , wherein the transaction engine is further configured to:

perform an analysis of the first data and information corresponding to the remote device, to identify the user as a registered customer; and

responsive to a determination that the user is not a registered customer, generate and transmit an electronic invite message to become a registered customer.

13 . The computing system of claim 1 , wherein the first electronic message further includes a temporary code, and wherein the transaction engine is configured to:

determine that the second data includes the temporary code; and

update the status of the payment vehicle in response to the determination that the second data includes the temporary code.

14 . A method comprising:

receiving, by a computer system, first data from a remote device, wherein the first data comprises a user-input command to enable or disable a payment vehicle;

generating and transmitting, by the computer system to the remote device, a first electronic message comprising a security question;

receiving, by the computer system, a second electronic message comprising second date;

verifying, by the computer system, that the second electronic message was received within a time period before updating a current status of the payment vehicle;

determining, by the computer system, that the response data includes a correct answer to the security question; and

updating, by the computer system, according to the command in the first data, the current status of the payment vehicle to a new status that is different from the current status in response to the verification that the second electronic message was received within the time period and the determination that the response data includes the correct answer to the security question.

15 . The method according to claim 14 , further comprising:

identifying a customer from which the first data was received; and

verifying the identified customer is registered to change, via the user-input command entered by the user into the remote device, the current status of the payment vehicle.

16 . The method according to claim 14 , further comprising:

receiving, by the computer system, a transaction authorization request from a merchant;

in response to receiving the transaction authorization request, determining, by the computer system, that the payment vehicle is in the enabled status; and

in response to the determination, authorizing, by the computer system, the transaction authorization request.

17 . The method according to claim 14 , further comprising:

receiving, by the computer system, a transaction authorization request from a merchant;

in response to receiving the transaction authorization request, determining, by the computer system, that the payment vehicle is disabled; and

in response to the determination, declining, by the computer, the transaction authorization request.

18 . The method according to claim 14 , further comprising:

receiving, by the computer system, login credentials associated with a customer from the remote device;

identifying, by the computer system, additional payment vehicles associated with the customer and statuses associated therewith; and

facilitating, by the computer system, the presentation of an interface to the customer via the remote device, the interface including a graphical representation of the statuses and a graphical icon enabling the customer to change a status of one of the additional payment vehicles.

19 . The method according to claim 14 , further comprising:

causing, by the computer system, presentation of an interface to the customer via the remote device, the interface including a graphical representation of statuses of one or more payment vehicles;

responsive to receiving the input data, verifying, by the computer system, a login timeout status for the interface; and

generating and transmitting the first electronic message in response to successful verification of the login timeout status.

20 . The method according to claim 14 , wherein the input data comprises a text message or an email message, and wherein the command comprises a text string command containing one or more terms corresponding to an enabled status or a disabled status.

Assignments (1)

Continuity (6)

References Cited (400)