Granted Patent B2

US 12,299,691 · App. 18/396,001 · Granted May 13, 2025

Inventors: Jennifer A. Fisher (Belmont, CA); Brian M. Pearce (Pleasanton, CA); Steven E. Puffer (Champlin, MN)

Assignee: Wells Fargo Bank, N.A.

G06Q20/409G06Q20/3278G06Q20/357G06Q20/382G06Q20/4015G06Q20/425

Abstract

Claims (51)

1. A system, comprising:

one or more processors configured to, individually or collectively:

identify additional users similar to a user of a payment card based on demographic information associated with the user of the payment card and a transactional history associated with the payment card;

generate a card control rule for the payment card based upon information associated with the additional users, the one or more processors configured to deny certain transactions based on the card control rule;

provide, to a user device, instructions to generate a graphical user interface (GUI) comprising a depiction of the card control rule;

receive, from the user device via the GUI, a selection of a geo-enable feature associated with the card control rule;

receive, from the user device based on the selection of the geo-enable feature, global positioning coordinates that indicate a location of the user device;

determine that the user is attempting to conduct a current transaction at a merchant, the determination based on a comparison of the received global positioning coordinates with global positioning coordinates associated with the merchant;

determine, in response to the determination that the user is attempting to conduct the current transaction at the merchant, that the card control rule is triggered by the current transaction, wherein the card control rule is configured to deny the current transaction;

send, to the user device based on the determination that the card control rule is triggered prior to completing the current transaction, a first notification to the user via a first communication option to alert the user that the current transaction will be denied;

receive, from the user device, an input associated with the card control rule, the input including a selection of an option to temporarily disable the card control rule; and

in response to receiving the input, disable the card control rule.

2. The system of claim 1 , wherein the one or more processors are further configured to receive a second input, wherein the second input is configured to modify the card control rule.

3. The system of claim 2 , wherein the one or more processors are further configured to modify a selection of one or more features associated with the card control rule in response to receiving the second input.

4. The system of claim 2 , wherein the second input comprises modification of the demographic information associated with the user or the transactional history associated with the payment card.

5. The system of claim 1 , wherein the global positioning coordinates that indicate the location of the user device are received based on the selection of a geo-enable feature via the GUI.

6. The system of claim 1 , wherein generating the card control rule includes an automatic selection, by the one or more processors, of an optional feature associated with the card control rule based upon the demographic information associated with the user.

7. The system of claim 6 , wherein the automatic selection comprises a selection of an enable feature to enable the card control rule.

8. The system of claim 1 , wherein the demographic information associated with the user comprises user submitted information responsive to at least one prompt presented to the user via the GUI.

9. A method, comprising:

identifying, by a computing system, additional users similar to a user of a payment card based on demographic information associated with the user of the payment card and a transactional history associated with the payment card;

generating, by the computing system, a card control rule for the payment card based upon information associated with the additional users, the computing system configured to deny certain transactions based on the card control rule;

providing, by the computing system to a user device, instructions to generate a graphical user interface (GUI) comprising a depiction of the card control rule;

receiving, by the computing system from the user device via the GUI, a selection of a geo-enable feature associated with the card control rule;

receiving, by the computing system from the user device based on the selection of the geo-enable feature, global positioning coordinates that indicate a location of the user device;

determining, by the computing system, that the user is attempting to conduct a current transaction at a merchant, the determination based on a comparison of the received global positioning coordinates with global positioning coordinates associated with the merchant;

determining, by the computing system in response to the determination that the user is attempting to conduct the current transaction at the merchant, that the card control rule is triggered by the current transaction, wherein the card control rule is configured to deny the current transaction;

sending, by the computing system to the user device based on the determination that the card control rule is triggered prior to completing the current transaction, a first notification to the user via a first communication option to alert the user that the current transaction will be denied;

receiving, by the computing system from the user device, an input associated with the card control rule, the input including a selection of an option to temporarily disable the card control rule; and

in response to receiving the input, disabling the card control rule.

10. The method of claim 9 , wherein generating the card control rule comprises automatically selecting, by the computing system, a feature associated with the card control rule based upon the demographic information associated with the user.

11. The method of claim 10 , further comprising presenting, by the computing system to the user device via the GUI a graphical user interface, a plurality of features associated with the card control rule.

12. The method of claim 11 , further comprising receiving a second input, wherein the second input comprises a selection for modifying at least one feature of the plurality of features.

13. The method of claim 11 , wherein the demographic information associated with the user is based on information submitted in response to questions presented to the user via the GUI.

14. A non-transitory computer-readable medium comprising instructions therein that, when executed by one or more processors, cause the one or more processors to perform operations comprising:

identifying, by a computing system, additional users similar to a user of a payment card based on demographic information associated with the user of the payment card and a transactional history associated with the payment card;

generating, by the computing system, a card control rule for the payment card based upon information associated with the additional users, the computing system configured to deny certain transactions based on the card control rule;

providing, by the computing system to a user device, instructions to generate a graphical user interface (GUI) comprising a depiction of the card control rule;

receiving, by the computing system from the user device via the GUI, a selection of a geo-enable feature associated with the card control rule;

receiving, by the computing system from the user device based on the selection of the geo-enable feature, global positioning coordinates that indicate a location of the user device;

determining, by the computing system, that the user is attempting to conduct a current transaction at a merchant, the determination based on a comparison of the received global positioning coordinates with global positioning coordinates associated with the merchant;

determining, by the computing system in response to the determination that the user is attempting to conduct the current transaction at the merchant, that the card control rule is triggered by the current transaction, wherein the card control rule is configured to deny the current transaction;

sending, by the computing system to the user device based on the determination that the card control rule is triggered prior to completing the current transaction, a first notification to the user via a first communication option to alert the user that the current transaction will be denied;

receiving, by the computing system from the user device, an input associated with the card control rule, the input including a selection of an option to temporarily disable the card control rule; and

in response to receiving the input, disabling the card control rule.

15. The non-transitory computer-readable medium of claim 14 , the operations further comprising:

receiving a second input, wherein the second input is configured to modify the card control rule; and

modifying a selection of one or more optional features associated with the card control rule in response to receiving the second input.

16. The non-transitory computer-readable medium of claim 15 , wherein the second input comprises modification of the demographic information associated with the user or the transactional history associated with the payment card.

17. The non-transitory computer-readable medium of claim 14 , wherein generating the card control rule comprises automatically selecting, by the computing system, a feature associated with the card control rule based upon the demographic information associated with the user.

18. The non-transitory computer-readable medium of claim 14 , wherein the demographic information associated is based on information submitted in response to at least one prompt presented to the user via the GUI.

Assignments (1)

Continuity (3)

References Cited (400)