# US 12,217,248 B1 · Payment vehicle with on and off function > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,217,248 B1 - Document ID: US12217248B1 - Status: Granted - Kind: B1 - Application number: 17/374,428 - Filed: 2021-07-13 - Granted: 2025-02-04 - Earliest claimed: 2008-10-31 - Assignees: Wells Fargo Bank, N.A. - Applicants: Wells Fargo Bank, N.A. - Inventors: Michael T. Duke; Dean Patrick Nolan - Web page: https://patentgrep.com/patent/US12217248B1 ## CPC - G06Q 20/382: {insuring higher security of transaction} - G06Q 20/105: {involving programming of a portable memory device, e.g. IC cards, "electronic purses"} - G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists - 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 40/00: Finance; Insurance; Tax strategies; Processing of corporate or income taxes - 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 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 ### Claim 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. ### Claim 2 (depends on 1) The method according to claim 1, wherein approved transactions are settled by the issuer using a funding source linked to the payment vehicle. ### Claim 3 (depends on 1) 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. ### Claim 4 (depends on 1) 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. ### Claim 5 (depends on 1) 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. ### Claim 6 (depends on 1) 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. ### Claim 7 (depends on 6) 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. ### Claim 8 (depends on 7) 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. ### Claim 9 (depends on 6) 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. ### Claim 10 (depends on 1) The method according to claim 1, wherein the criteria define transactions falling within a defined transaction amount range. ### Claim 11 (depends on 1) The method according to claim 1, wherein the criteria define transactions conducted at a set of merchants. ### Claim 12 (depends on 1) The method according to claim 1, wherein the criteria define unauthorized transactions based on a type of goods. ### Claim 13 (depends on 1) The method according to claim 1, wherein the criteria define unauthorized transactions based on whether the transactions are for internet purchases. ### Claim 14 (depends on 1) 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. ### Claim 15 (depends on 1) The method according to claim 1, wherein the criteria include a country code identifying countries in which transactions are unauthorized. ### Claim 16 (depends on 1) The method of according to claim 1, wherein the text message comprises a short message service (SMS) text message. ### Claim 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.