Patent ID: 11875358
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 8:
9. A method, comprising:
associating, by a card control computing system, a payment card with a card control dashboard;
receiving, by the card control computing system, demographic information associated with a user of the payment card;
determining, by the card control computing system, a transactional history associated with the payment card;
performing, by the card control computing system, a clustering analysis to identify additional users similar to the user of the payment card based on the demographic information associated with the user of the payment card and the transactional history associated with the payment card;
automatically generating, by the card control computing system, a card control user profile for the user and a card control rule for the payment card based upon the demographic information associated with the user and demographic and transactional information associated with the additional users, the card control rule configured to deny certain transactions;
providing, by the card control computing system to a user device, instructions to generate a graphical user interface (GUI), the GUI comprising a depiction of the card control rule in the card control dashboard;
receiving, from the user device via the graphical user interface, a selection of a geo-enable feature and a selection of a first communication option for receiving alerts and a second communication option for receiving alerts, wherein the user can change one or more of the first communication option and the second communication option at any time;
receiving, from a global positioning system of the user device based on the selection of the geo-enable feature, global positioning coordinates that indicate a location of the user device;
determining, by the card control computing system, that the user is attempting to conduct a current transaction at a merchant, the determination based on a comparison of the received global positioning coordinates with global positioning coordinates associated with the merchant;
determining, by the card control computing system in response to the determination that the user is attempting to conduct the current transaction at the merchant, that the card control rule is triggered by the current transaction, wherein the card control rule is configured to deny the current transaction;
sending, by the card control computing system to the user device based on the determination that the card control rule is triggered prior to completing the current transaction and according to the selection of the first communication option and the second communication option, a first notification to the user via the first communication option and a second notification to the user via the second communication option to alert the user that the current transaction will be denied;
receiving, by the card control computing system from the user device, an input associated with the card control rule, the input including a selection of an option to temporarily disable the card control rule and a selection of a period of time for which to disable the card control rule; and
in response to receiving the input, disabling the card control rule.