Patent ID: 11868993
Assignee: nan
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 11:
12. A computing system for disabling and enabling a payment vehicle based on transmissions received from a mobile telephone, the computing system being part of a computer-based payment network that processes electronic payments made using the payment vehicle, the computing system comprising a transaction engine in the computer-based payment network configured to:
receive a first text message from the mobile telephone, the first text message including a first command indicating that the payment vehicle is to be disabled;
disable the payment vehicle for subsequent payments in response to the first text message by updating logic of the computer-based payment network, the updated logic establishing additional security for the payment vehicle by automatically declining subsequent transactions involving the payment vehicle;
responsive to determining that a first payment authorization request for a first payment involves the payment vehicle, decline the first payment authorization request that is being processed by the computer-based payment network according to the logic;
receive a second text message of the mobile telephone, the second text message including a second command indicating that the payment vehicle is to be enabled;
enable the payment vehicle for subsequent payments in response to the second text message by updating the logic of the computer-based payment network; and
authorize a second payment authorization request that is being processed by the computer-based payment network and that is for a second payment involving the payment vehicle according to the logic, wherein the transaction engine is configured to authorize the second payment authorization request by connecting the computer-based payment network to a source of funds corresponding to the payment vehicle.