Patent ID: 11869013
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 11:
12. A method, comprising:
receiving, by a card control computing system from a user account database, information associated with a user of a payment card;
identifying and authenticating, by the card control computing system, the user based on the information associated with the user;
identifying, by the card control computing system, based on a transaction history of the user and transaction histories of other users, a subset of other users having common transactions with the user;
identifying, by the card control computing system, one or more card control rules of the subset of other users for determining whether to allow or restrict transactions associated with the payment card, the subset of other users identified based on a clustering analysis, the one or more card control rules including a first card control rule configured to restrict out-of-pattern transactions at a merchant;
determining, based on the transaction history of the user including at least one historical transaction at the merchant, that the transaction history of the user is inconsistent with the transaction histories of the subset of other users;
automatically creating without user input, by the card control computing system, based upon the transaction history associated with the user and upon the transaction histories of the subset of other users accessible to the card control computing system, a card control user profile comprising a second card control rule of the one or more card control rules of the subset of other users for determining whether to allow or restrict transactions associated with the payment card, wherein the card control user profile excludes the first card control rule to restrict out-of-pattern transactions at the merchant;
presenting, by the card control computing system, in a card control dashboard, (i) a tour interface comprising information about navigating the card control dashboard, and (ii) a user interface comprising information associated with the card control user profile and the second card control rule, and (iii) user activity queries corresponding to use of the payment card;
receiving, by the card control computing system, via the card control dashboard, a selection from the user to update the card control user profile and the second card control rule in response to the user activity queries;
modifying, by the card control computing system, the card control user profile based upon the selection received via the card control dashboard;
responsive to the selection, automatically modifying, by the card control computing system, the second card control rule of the card control user profile;
tracking global positioning coordinates of a user device that is associated with the card control user profile;
determining that the user is attempting a current transaction with the payment card;
determining that the current transaction violates the modified second card control rule based on the global positioning coordinates of the user device being used to make the current transaction using the payment card; and
in response to determining that the current transaction violates the modified second card control rule, sending an alert to the user device to indicate the current transaction violates the modified second card control rule.