Patent ID: 11880827
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A method of enabling or disabling, in response to electronic text messaging by a computing device, a payment vehicle such that the payment vehicle is usable or unusable for electronic payment transactions, the method comprising:
receiving, by a computing system comprising a transaction engine, a first transaction authorization request for a first electronic payment transaction involving the payment vehicle;
determining, by the computing system, whether to authorize or decline the first transaction authorization request based on whether logic of a computer-based payment network indicates the payment vehicle is enabled or disabled;
processing, by the transaction engine of the computing system, via the computer-based payment network, the first electronic payment transaction responsive to determining to authorize the first transaction authorization request based on the logic of the computer-based payment network indicating that the payment vehicle is enabled, wherein processing the first electronic payment transaction comprises connecting the computer-based payment network to a source of funds corresponding to the payment vehicle;
receiving, by the computing system, an electronic text message generated in response to a user input into a computer device and transmitted by the computer device, the electronic text message containing a command to disable the payment vehicle for subsequent use in making electronic payments;
updating, by the transaction engine of the computing system, the logic of the computer-based payment network to indicate the payment vehicle has been disabled to thereby prevent subsequent electronic payment transactions with the payment vehicle, the updated logic establishing additional security for the payment vehicle by automatically declining subsequent transactions involving the payment vehicle;
receiving, by the computing system, a second transaction authorization request for a second electronic payment transaction involving the payment vehicle;
determining, by the computing system, whether to authorize or decline the second transaction authorization request based on whether the logic of the computer-based payment network indicates the payment vehicle is enabled or disabled;
declining, by the computing system, the second electronic payment transaction responsive to determining to decline the second transaction authorization request based on the logic of the computer-based payment network indicating that the payment vehicle is disabled;
receiving, by the computing system from the computer device, a second electronic text message comprising a second command to enable the payment vehicle for subsequent use in making electronic payments; and
updating, by the transaction engine of the computing system, the logic of the computer-based payment network to indicate the payment vehicle has been enabled for subsequent electronic payment transactions.