Patent ID: 11915230
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 processor, and memory, the memory comprising instructions executable by the processor, the instructions comprising:
a transaction engine configured to:
receive 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 card;
generate and transmit a first electronic message including a temporary code and a verification question to the remote device;
receive a second electronic message generated by the remote device, the second electronic message comprising response data to the first electronic message entered by the user into the remote device;
determine that the second electronic message was received within a predetermined time interval of transmission of the temporary code to the remote device;
determine if the response data includes the temporary code and an answer to the verification question; and
update a status of the payment card to one of the enabled status or the disabled status in response to the determination that the second electronic message was received within the predetermined time interval and the determination that the response data includes the temporary code and the answer to the verification question.