Patent ID: 11880846
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 11:
12. A computer-implemented method, comprising:
receiving, by a computing system, from a user device associated with a user, a transmission comprising a rule to be imposed on future transactions with a credit or debit card of the user, the rule including a criterion to be used in evaluating future transaction authorization requests in determining whether to authorize future transactions;
in response to receiving the rule, updating, by a transaction engine of the computing system of a payment card network, logic of the payment card network associated with the credit or debit card so as to incorporate the criterion such that an activation status of the logic for the credit or debit card is updated to indicate whether the credit or debit card is active or inactive, the updated logic establishing additional security for the credit or debit card by automatically inactivating the credit or debit card in response to a transaction failing to satisfy the criterion;
receiving, by the computing system, from a merchant computing system associated with a merchant, a first transaction authorization request to authorize a first transaction;
determining, by the computing system based on the updated logic and by the transaction engine of the computing system, that the first transaction is either permitted by the rule based on the criterion, or is otherwise is not permitted by the rule based on the criterion;
in response to the transaction engine determining that the first transaction is not permitted based on the updated logic, transmit, by the computing system to the merchant computing system, an indication that the first transaction is not authorized; and
in response to the transaction engine determining that the first transaction is not permitted by the rule based on the updated logic, causing the first transaction to be denied.