Patent ID: 11915230
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 12:
13. A method comprising:
receiving, by a computer system, input data from a remote device, wherein the input data comprises 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 of a payment vehicle;
generating and transmitting, by the computer system to the remote device, a first electronic message comprising a temporary code and a security question;
receiving, by the computer system, a second electronic message transmitted using the remote device, the second electronic 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 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.