Capital One Services, LLC

Jessica Bowman

Daniel Beck

Min Jung Kim

Jeffrey M Samitt

Joshua Meyer Wilbur

Abhinav Agrawal

Colleen Kerr

Riken Shah

Zeel Jha

John Schmidt

Krystle Voss

Samantha Schneider

A system for temporarily enabling an otherwise disabled payment account for use in a transaction is configured to provide, based on a determination to disable a user's payment account, instructions to a user device of the user for displaying an application interface enabling the user to request to temporarily register the payment account for use in a transaction. The system is configured to receive a request, from the user device, to temporarily register the user's payment account to enable use of the payment account in a transaction, wherein the payment account is otherwise disabled based on a determination of fraud or possible fraud on the payment account, associate with the payment account, a transaction rule responsive to the request, the transaction rule defining a window of time in which a received transaction authorization request may be authorized for the payment account, and determine whether to approve the received transaction authorization request according to the temporary transaction rule, the determination being based on whether the transaction authorization request is received during the window of time. The system is also configured to transmit an authorization response to the transaction authorization request based on the determination.

Systems and methods for temporarily activating a payment account for fraud prevention

Growing community of inventors

McLean, VA, United States of America

Jessica Bowman