The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Apr. 07, 2020
Filed:
Jan. 12, 2018
Capital One Services, Llc, McLean, VA (US);
Daniel Beck, Vienna, VA (US);
Samantha Schneider, Atlanta, GA (US);
Jessica Bowman, McLean, VA (US);
Colleen Kerr, Washington, DC (US);
Riken Shah, Ashburn, VA (US);
Min Jung Kim, Fairfax, VA (US);
Zeel Jha, Ashburn, VA (US);
John Schmidt, Falls Church, VA (US);
Krystle Voss, Alexandria, VA (US);
Joshua Wilbur, Potomac, MD (US);
Abhinav Agrawal, Washington, DC (US);
Jeffrey Samitt, Glen Allen, VA (US);
Capital One Services, LLC, McLean, VA (US);
Abstract
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.