# US 10,769,618 B2 · Systems and methods for temporarily activating a payment account for fraud prevention > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 10,769,618 B2 - Document ID: US10769618B2 - Status: Granted - Kind: B2 - Application number: 16/032,064 - Filed: 2018-07-10 - Published: 2020-01-16 - Granted: 2020-09-08 - Earliest claimed: 2018-07-10 - Assignees: Capital One Services, LLC - Applicants: Capital One Services, LLC - Inventors: Fardin Abdi Taghi Abad; Jeremy Goodsitt; Austin Walters - Web page: https://patentgrep.com/patent/US10769618B2 ## CPC - G06Q 20/354: {Card activation or deactivation} - G06Q 20/202: {Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR} - G06Q 20/3827: {Use of message hashing} - G06Q 20/4012: {Verifying personal identification numbers [PIN]} - G06Q 20/4016: {involving fraud or risk level assessment in transaction processing} - G06Q 20/405: {Establishing or using transaction specific rules} - G06Q 20/42: Confirmation, e.g. check or permission by the legal debtor of payment - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract A system for temporarily enabling an otherwise disabled payment account for use in a transaction is configured to perform operations including receiving, from a point of sale device, a transaction request associated with an account of a user, the transaction request comprising a transaction value representing a currency amount. The operations may also include determining that the user account has a disabled status. Further, the operations may include converting the transaction request into a personal identification code based at least in part on the transaction value. The operations may additionally include determining that the personal identification code matches a stored authorization code associated with the user account. And, the operations may include modifying the disabled status to permit successful processing of at least one subsequent transaction request associated with the user account. ## Claims ### Claim 1 A system for temporarily enabling an otherwise disabled payment account for use in a transaction, the system comprising: one or more memory devices storing instructions; and one or more processors configured to execute the instructions to perform operations comprising: receiving, from a point of sale device, a transaction request associated with an account of a user, the transaction request comprising a transaction value representing a currency amount; determining that the user account has a disabled status; converting the transaction request into a personal identification code based at least in part on the transaction value; determining that the personal identification code matches a stored authorization code associated with the user account; based on the determination that the personal identification code matches the stored authorization code associated with the user account, modifying the disabled status to permit successful processing of at least one subsequent transaction request associated with the user account; receiving, from the point of sale device, the at least one subsequent transaction request, the at least one subsequent transaction request comprising a subsequent transaction value representing a currency amount; converting the at least one subsequent transaction request into a service request code based at least in part on the subsequent transaction value; determining an associated service request based on the service request code and a predetermined look-up table, the look-up table being specific to a geographic region determined by geographical data in the at least one subsequent transaction request; and authorizing the associated service request. ### Claim 2 (depends on 1) The system of claim 1, wherein the operations further comprise: after determining that the user account has a disabled status, requesting a response from the user; and determining that no response is received from the user. ### Claim 3 (depends on 2) The system of claim 2, wherein requesting a response from the user comprises performing at least one of placing a call to a phone number associated with the user account; sending a notification to a mobile application associated with the user account; or sending an electronic message to an email address associated with the user account. ### Claim 4 (depends on 1) The system of claim 1, wherein: converting the transaction request into a personal identification code comprises modifying the transaction value to be a whole number. ### Claim 5 (depends on 1) The system of claim 1, wherein converting the transaction request into a personal identification code comprises multiplying the transaction value by 100. ### Claim 6 (depends on 1) The system of claim 1, wherein converting the transaction request into a personal identification code comprises rounding up the transaction value to the next highest non-fractional amount. ### Claim 7 (depends on 1) The system of claim 1, wherein determining that the personal identification code matches the stored authorization code comprises determining a geographic region corresponding to the stored authorization code; and modifying the disabled status on the user account comprises permitting successful processing of at least one subsequent transaction request, if the at least one subsequent transaction request comprises a merchant identifier corresponding to the determined geographic region. ### Claim 8 (depends on 1) The system of claim 1, wherein: the transaction request further comprises a merchant identifier; determining that the personal identification code matches the stored authorization code associated with the user account further comprises determining a geographic region corresponding to the stored authorization code; the operations further comprise determining a location associated with the merchant identifier; and modifying the disabled status comprises modifying the disabled status only when the location associated with the merchant identifier is determined to be within the geographic region. ### Claim 9 (depends on 1) The system of claim 1, wherein the transaction request further comprises a personal identification number (PIN) that is distinct from the personal identification code. ### Claim 10 A computer-implemented method for temporarily enabling an otherwise disabled payment account for use in a transaction, the method comprising: receiving, from a point of sale device, a transaction request associated with an account of a user, the transaction request comprising a transaction value representing a currency amount; determining that the user account has a disabled status; determining that the transaction value matches a stored authorization code associated with the user account; based on the determination that the transaction value matches the stored authorization code associated with the user account, modifying the disabled status to permit successful processing of at least one subsequent transaction request associated with the user account; receiving, from the point of sale device, the at least one subsequent transaction request, the at least one subsequent transaction request comprising a subsequent transaction value representing a currency amount; converting the at least one subsequent transaction request into a service request code based at least in part on the subsequent transaction value; determining an associated service request based on the service request code and a predetermined look-up table, the look-up table being specific to a geographic region determined by geographical data in the at least one subsequent transaction request; and authorizing the associated service request. ### Claim 11 (depends on 10) The method of claim 10, wherein the method further comprises: after determining that the user account has a disabled status, requesting a response from the user; and determining that no response is received from the user. ### Claim 12 (depends on 11) The method of claim 11, wherein requesting a response from the user comprises performing at least one of placing a call to a phone number associated with the user account; sending a notification to a mobile application associated with the user account; or sending an electronic message to an email address associated with the user account. ### Claim 13 (depends on 10) The method of claim 10, determining that the transaction value matches the stored authorization code comprises modifying the transaction value to be a whole number and determining if the whole number matches the stored authorization code. ### Claim 14 (depends on 10) The method of claim 10, wherein determining that the transaction value matches a stored authorization code comprises multiplying the transaction value by 100 and determining if the multiplied transaction value matches the stored authorization code. ### Claim 15 (depends on 10) The method of claim 10, wherein determining that the transaction value matches a stored authorization code comprises rounding up the transaction value to the next highest non-fractional amount and determining if the rounded transaction value matches the stored authorization code. ### Claim 16 (depends on 10) The method of claim 10, wherein determining that the personal identification code matches the stored authorization code comprises determining a geographic region corresponding to the stored authorization code; and modifying the disabled status on the user account comprises permitting successful processing of at least one subsequent transaction request, if the at least one subsequent transaction request comprises a merchant identifier corresponding to the determined geographic region. ### Claim 17 (depends on 10) The method of claim 10, wherein the transaction request further comprises a merchant identifier; determining that the personal identification code matches the stored authorization code associated with the user account further comprises determining a geographic region corresponding to the stored authorization code; the method further comprises determining a location associated with the merchant identifier; and modifying the disabled status comprises modifying the disabled status only when the location associated with the merchant identifier is determined to be within the geographic region. ### Claim 18 (depends on 10) The method of claim 10, wherein the transaction request further comprises a personal identification number (PIN) that is distinct from the personal identification code. ### Claim 19 A non-transitory computer-readable medium storing instructions executable by a processor to cause the processor to perform operations for temporarily enabling an otherwise disabled payment account for use in a transaction, the operations comprising: receiving, from a point of sale device, a transaction request associated with an account of a user, the transaction request comprising a transaction value representing a currency amount; determining that the user account has a disabled status; converting the transaction request into a personal identification code based at least in part on the transaction value; determining that the personal identification code matches a stored authorization code associated with the user account; based on the determination that the personal identification code matches the stored authorization code associated with the user account, modifying the disabled status to permit successful processing of at least one subsequent transaction request associated with the user account; receiving, from the point of sale device, the at least one subsequent transaction request, the at least one subsequent transaction request comprising a subsequent transaction value representing a currency amount; converting the at least one subsequent transaction request into a service request code based at least in part on the subsequent transaction value; determining an associated service request based on the service request code and a predetermined look-up table, the look-up table being specific to a geographic region determined by geographical data in the at least one subsequent transaction request; and authorizing the associated service request.