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

Claim 0:
1. A system, comprising:
a card control computing system comprising:
a memory unit coupled to a processing unit and storing instructions that, when executed by the processing unit, cause the processing unit to:
receive, from a user account database, information associated with a user of a payment card;
identify and authenticate the user based on the information associated with the user;
identify, 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;
identify 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 to restrict out-of-pattern transactions at a merchant;
determine, 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 create without user input, based upon the transaction history associated with the user and based 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 does not include the first card control rule to restrict out-of-pattern transactions at the merchant;
present, 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;
receive, via the card control dashboard, selections from the user to update the card control user profile and the second card control rule in response to the user activity queries;
modify the card control user profile based upon the selections received via the card control dashboard;
responsive to the selections, automatically modify the second card control rule of the card control user profile;
track global positioning coordinates of a user device that is associated with the card control user profile;
determine that the user is attempting a current transaction with the payment card;
determine 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, send an alert to the user device to indicate the current transaction violates the modified second card control rule.