# US 12,602,682 B2 · Payment vehicle with on and off function

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- Number: US 12,602,682 B2
- Document ID: US12602682B2
- Status: Granted
- Kind: B2
- Application number: 18/407,212
- Filed: 2024-01-08
- Published: 2024-05-02
- Granted: 2026-04-14
- 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/US12602682B2

## 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 of changing a status of a payment vehicle based on transmissions from a mobile telephone, the method implemented by a computing system comprising a transaction engine in a computer-based payment network that processes electronic payments, comprising:
receiving, by the computing system, a first text message from the mobile telephone, the first text message including a first command indicating that the payment vehicle is to be disabled;
disabling, by the transaction engine of the computing system of the computer-based payment network, the payment vehicle for subsequent payments in response to the first text message by updating logic of the computer-based payment network to include a block for the payment vehicle, the block for the payment vehicle establishing additional security for the payment vehicle by automatically declining subsequent transactions involving the payment vehicle via the logic;
receiving, by the computing system, from a merchant system, a first payment authorization request for a first payment involving the payment vehicle;
automatically declining, by the transaction engine of the computing system of the computer-based payment network, the first payment authorization request that is being processed by the computer-based payment network according to the block for the payment vehicle in the logic;
transmitting, by the computing system, an indication that the first payment authorization request was declined to the merchant system;
receiving, by the computing system, a second text message from the mobile telephone, the second text message including a second command indicating that the payment vehicle is to be enabled;
updating, by the transaction engine of the computing system of the computer-based payment network, the logic of the computer-based payment network to remove the block to enable the payment vehicle for subsequent payments in response to the second text message; and
authorizing, by the computing system, a second payment authorization request that is being processed by the computer-based payment network and that is for a second payment involving the payment vehicle according to the logic, wherein authorizing the second payment authorization request comprises connecting, by the transaction engine, the computer-based payment network to a source of funds corresponding to the payment vehicle.

### Claim 2 (depends on 1)

The method of claim 1, further comprising transmitting, by the computing system, a confirmation text message to the mobile telephone after the first text message with the first command is received, the confirmation text message indicating that the payment vehicle is disabled.

### Claim 3 (depends on 1)

The method of claim 1, further comprising transmitting, by the computing system, a confirmation text message to the mobile telephone after the second text message is received, the confirmation text message indicating that the payment vehicle is enabled.

### Claim 4 (depends on 1)

The method of claim 1, wherein at least one of the first payment authorization request and the second payment authorization request is transmitted by a point-of-sale device of a merchant to the computer-based payment network upon presentation of the payment vehicle to the point-of-sale device.

### Claim 5 (depends on 1)

The method of claim 1, wherein the second payment authorization request is received from a point-of-sale device of a merchant, and wherein authorizing the second payment authorization request comprises transmitting, to the point-of-sale device of the merchant, an indication that the second payment authorization request is authorized.

### Claim 6 (depends on 1)

The method of claim 1, wherein the first payment authorization request is received from a point-of-sale device of a merchant, and wherein declining the first payment authorization request comprises transmitting, to the point-of-sale device of the merchant, an indication that the first payment authorization request is declined.

### Claim 7 (depends on 1)

The method of claim 1, further comprising receiving, by the computing system, a third transmission from the mobile telephone, the third transmission including a rule to be applied to electronic payments involving the payment vehicle, the rule including criteria according to which payment authorization requests are to be authorized or declined.

### Claim 8 (depends on 7)

The method of claim 7, further comprising declining, by the computing system and subsequent to receipt of the third transmission, one or more payment authorization requests involving the payment vehicle for not meeting the criteria of the rule.

### Claim 9 (depends on 7)

The method of claim 7, wherein the rule disables the payment vehicle for electronic payments above an amount, and wherein the method further comprises declining, by the computing system, a payment authorization request for an electronic payment above the amount.

### Claim 10 (depends on 7)

The method of claim 7, wherein the rule disables the payment vehicle for transactions at a set of one or more merchants, and wherein the method further comprises declining, by the computing system, a payment authorization request from a merchant in the set of one or more merchants.

### Claim 11 (depends on 7)

The method of claim 7, wherein the rule disables the payment vehicle for transactions during a specified time interval, and wherein the method further comprises declining, by the computing system, a payment authorization request received during the specified time interval.

### Claim 12

A computing system for changing a status of a payment vehicle based on transmissions received from a mobile telephone, the computing system being part of a computer-based payment network that processes electronic payments made using the payment vehicle, the computing system comprising a transaction engine in the computer-based payment network configured to:
receive a first text message from the mobile telephone, the first text message including a first command indicating that the payment vehicle is to be disabled;
disable, using the transaction engine, the payment vehicle for subsequent payments in response to the first text message by updating logic of the computer-based payment network, the updated logic establishing additional security for the payment vehicle by automatically declining subsequent transactions involving the payment vehicle;
receive, from a merchant system, a first payment authorization request for a first payment involving the payment vehicle;
automatically decline the first payment authorization request that is being processed by the computer-based payment network according to the logic;
transmit an indication that the first payment authorization request was declined to the merchant system;
receive a second text message from the mobile telephone, the second text message including a second command indicating that the payment vehicle is to be enabled;
update, using the transaction engine, the logic of the computer-based payment network to enable the payment vehicle for subsequent payments in response to the second text message; and
authorize a second payment authorization request that is being processed by the computer-based payment network and that is for a second payment involving the payment vehicle according to the logic, wherein authorizing the second payment authorization request comprises connecting, by the transaction engine, the computer-based payment network to a source of funds corresponding to the payment vehicle.

### Claim 13 (depends on 12)

The computing system of claim 12, further configured to transmit a first confirmation text message to the mobile telephone after the first text message is received, the first confirmation text message indicating that the payment vehicle is disabled, and transmit a second confirmation text message to the mobile telephone after the second text message is received, the second confirmation text message indicating that the payment vehicle is enabled.

### Claim 14 (depends on 12)

The computing system of claim 12, wherein at least one of the first payment authorization request and the second payment authorization request is transmitted by a point-of-sale device of a merchant to the computer-based payment network upon presentation of the payment vehicle to the point-of-sale device, and wherein the transaction engine is configured, in declining or authorizing the first payment authorization request, to transmit to the point-of-sale device of the merchant an indication that the first payment authorization request is declined or authorized, respectively.

### Claim 15 (depends on 12)

The computing system of claim 12, wherein the transaction engine is further configured to receive a third transmission of the mobile telephone, the third transmission including a rule to be applied to electronic payments involving the payment vehicle, the rule including criteria according to which payment authorization requests are to be authorized or declined.

### Claim 16 (depends on 15)

The computing system of claim 15, wherein the transaction engine is further configured to decline, subsequent to receipt of the third transmission, one or more payment authorization requests involving the payment vehicle for not meeting the criteria of the rule.

### Claim 17 (depends on 15)

The computing system of claim 15, wherein the transaction engine is further configured to disable the payment vehicle for electronic payments above an amount in response to receiving the rule in the third transmission, and decline a payment authorization request for an electronic payment above the amount.

### Claim 18 (depends on 15)

The computing system of claim 15, wherein the transaction engine is further configured to at least one of:
disable the payment vehicle for transactions at a set of one or more merchants in response to receiving the rule in the third transmission, and decline a payment authorization request from a merchant in the set of one or more merchants; or
disable the payment vehicle for transactions during a specified time interval in response to receiving the rule in the third transmission, and decline a payment authorization request received during the specified time interval.