Payment vehicle with on and off function
AssigneeWells Fargo Bank, N.A.
InventorsMichael T. Duke, Dean Patrick Nolan
Life of this patent
Estimating the term…
Abstract
A computer system and method for enabling or disabling a payment vehicle at the request of a payment card holder from a remote device. The computer system comprises a computer having memory and a processor for processing input data received from a remote device. The input data comprises an instruction executable by the processor in a form of a text message or electronic mail received from the remote device, with the instruction to enable or disable a payment card of a payment card holder by changing the status of the payment card. An interactive remote interface computer software application is provided to the payment card holder for use on the remote or other device.
Claims20
A system comprising:
- a processor, and memory, the memory comprising instructions executable by the processor, the instructions comprising:
- a transaction engine configured to:
- receive input data from a remote device, wherein the input data comprises an electronic message that conveys a user-input instruction entered by a user into the remote device, the user-input instruction including a command corresponding to an enabled status or a disabled status;
- generate and transmit a first electronic reply message including a temporary code and a verification question to the remote device;
- receive a second electronic reply message generated by the remote device, the second electronic reply message comprising response data to the first electronic reply message entered by the user into the remote device;
- determine that the second electronic reply message was received within a predetermined time interval of transmission of the temporary code to the remote device;
- determine if the response data includes the temporary code and an answer to the verification question;
- and
- update a status of the payment card to one of the enabled status or the disabled status in response to the determination that the second electronic reply message was received within the predetermined time interval and the determination that the response data includes the temporary code and the answer to the verification question.
A method comprising:
- receiving, by a computer system, input data from a remote device, wherein the input data comprises an electronic message that conveys a user-input instruction entered by a user into the remote device, the user-input instruction including a command corresponding to an enabled status or a disabled status;
- generating and transmitting, by the computer system to the remote device, a first electronic reply message comprising a temporary code and a security question;
- receiving, by the computer system, a second electronic reply message transmitted using the remote device, the second electronic reply message comprising response data entered into the remote device;
- verifying, by the computer system, a time period within which the temporary code is received from the remote device before updating the status;
- determining, by the computer system, that the response data includes the temporary code and a correct answer to the security question;
- and
- updating, by the computer system, the status of the payment vehicle to a status that is different from the current status in response to the verification that the second electronic reply message was received within a satisfactory time period and the determination that the response data includes the temporary code and the correct answer to the security question.
Dependencies are inferred from the claim text.