Computer-based systems and methods involving biometric authentication aspects for handling exceptions, enabling deactivation and/or performing other functionality

Patent metadata

Field	Value
Publication number	US-11748589-B2
Application number	US-202217829038-A
Country	US
Kind code	B2
Filing date	May 31, 2022
Priority date	Dec 31, 2019
Publication date	Sep 5, 2023
Grant date	Sep 5, 2023

Abstract

Systems and methods involving biometric authentication of transaction cards including aspects of exception handling, deactivation and other features are disclosed. In one embodiment, an exemplary implementation may involve generating a first user interface having one or more interactive UI elements that enable a card owner to manage a plurality of features associated with a transaction card, and determining, if a biometric-activated control is enabled and the vendor is not excluded from the biometric-activated control, whether the transaction card is biometrically-active. Further, the interactive UI elements may include elements such as a first UI element that is configured to allow the card owner to enable a biometric-activated control of the transaction card, and/or a second UI element that is configured to allow the card owner to exclude one or more vendors from the biometric-activated control.

First claim

The invention claimed is:

1. A computer-implemented method comprising:
providing, by at least one computer platform, a portal by which customers manage online accounts related to transaction cards;
generating, by the at least one computer platform, as part of the portal, a first user interface having a plurality of interactive UI elements that enable a respective card owner to manage a plurality of activity controlling features associated with activation of a respective transaction card associated with the respective card owner;
wherein the plurality of interactive UI elements comprises:
a first UI element that is configured to allow the card owner to enable or disable the respective transaction card;
a second UI element that is configured to allow the card owner to exclude one or both of at least one vendor and at least one charge via the activity controlling features; and
a third UI element that is configured to allow the card owner to specify one or both of a date and a time that the respective transaction card is enabled or disabled; and

verifying, at the at least one computer platform, upon receipt of a request to authorize a charge to the respective transaction card that the respective transaction card has been activated.

2. A computer-implemented method comprising:
providing, by at least one computer platform, a portal by which customers manage online accounts related to transaction cards;
generating, by the at least one computer platform, as part of the portal, a first user interface having a plurality of interactive UI elements that enable a respective card owner to manage a plurality of activity controlling features associated with activation of a respective transaction card associated with the respective card owner;
wherein the plurality of interactive UI elements comprises:
a first UI element that is configured to allow the card owner to enable or disable the respective transaction card;
a second UI element that is configured to allow the card owner to exclude one or both of at least one vendor and at least one charge via the activity controlling features; and
a third UI element that is configured to allow the card owner to specify one or both of a date and a time that the respective transaction card is enabled or disabled;

wherein the respective transaction card has been activated by utilizing a receipt of verified information when the respective transaction has been initiated.

3. A computer-implemented method, comprising:
providing, by at least one computer platform, a portal by which customers manage online accounts related to transaction cards;
generating, by the at least one computer platform, as part of the portal, a first user interface having a plurality of interactive UI elements that enable a respective card owner to manage a plurality of activity controlling features associated with activation of a respective transaction card associated with the respective card owner;
wherein the plurality of interactive UI elements comprises:
a first UI element that is configured to allow the card owner to enable or disable the respective transaction card;
a second UI element that is configured to allow the card owner to exclude one or both of at least one vendor and at least one charge via the activity controlling features; and
a third UI element that is configured to allow the card owner to specify one or both of a date and a time that the respective transaction card is enabled or disabled;

wherein the request to authorize has been initiated at a point of sale (POS) device.

4. A computer-implemented method comprising:
providing, by at least one computer platform, a portal by which customers manage online accounts related to transaction cards;
generating, by the at least one computer platform, as part of the portal, a first user interface having a plurality of interactive UI elements that enable a respective card owner to manage a plurality of activity controlling features associated with activation of a respective transaction card associated with the respective card owner;
wherein the plurality of interactive UI elements comprises:
a first UI element that is configured to allow the card owner to enable or disable the respective transaction card;
a second UI element that is configured to allow the card owner to exclude one or both of at least one vendor and at least one charge via the activity controlling features; and
a third UI element that is configured to allow the card owner to specify one or both of a date and a time that the respective transaction card is enabled or disabled; and

transmitting, by the at least one computer platform, to a POS device, an electronic communication indicating whether the transaction card is active to proceed with the respective transaction.

5. A computer-implemented method comprising:
providing, by at least one computer platform, a portal by which customers manage online accounts related to transaction cards;
generating, by the at least one computer platform, as part of the portal, a first user interface having a plurality of interactive UI elements that enable a respective card owner to manage a plurality of activity controlling features associated with activation of a respective transaction card associated with the respective card owner;
wherein the plurality of interactive UI elements comprises:
a first UI element that is configured to allow the card owner to enable or disable the respective transaction card;
a second UI element that is configured to allow the card owner to exclude one or both of at least one vendor and at least one charge via the activity controlling features; and
a third UI element that is configured to allow the card owner to specify one or both of a date and a time that the respective transaction card is enabled or disabled; and

configuring the respective transaction card to transmit, upon the activation of the respective transaction card, additional electronic information to a POS device indicating a successful activation of the transaction card was established based on the verified information.

6. A computer-implemented method, comprising:
providing, by at least one computer platform, a portal by which customers manage online accounts related to transaction cards;
generating, by the at least one computer platform, as part of the portal, a first user interface having a plurality of interactive UI elements that enable a respective card owner to manage a plurality of activity controlling features associated with activation of a respective transaction card associated with the respective card owner;
wherein the plurality of interactive UI elements comprises:
a first UI element that is configured to allow the card owner to enable or disable the respective transaction card;
a second UI element that is configured to allow the card owner to exclude one or both of at least one vendor and at least one charge via the activity controlling features; and
a third UI element that is configured to allow the card owner to specify one or both of a date and a time that the respective transaction card is enabled or disabled; and

wherein the transaction card is configured to remain active during a time period that automatically expires after a predetermined time period from the receipt of verified information.

7. The method of claim 6 , wherein the predetermined time period may one or both of:
have a duration selected by the card owner; and
be specified as having different durations for different types of transactions.

8. A computer-implemented method, comprising:
providing, by at least one computer platform, a portal by which customers manage online accounts related to transaction cards;
generating, by the at least one computer platform, as part of

Assignees

• Capital One Services Llc

Inventors

• Bailey Michael

Classifications

• G06K19/0718 Primary

  the sensor being of the biometric kind, e.g. fingerprint sensors (fingerprint sensors in general G06V40/13; biometric access-control systems in general, see G07C9/00) · CPC title

• G06K19/07345

  by activating or deactivating at least a part of the circuit on the record carrier, e.g. ON/OFF switches · CPC title

• G06Q20/3437

  the counter having non-monetary units, e.g. trips · CPC title

• G06Q20/354

  Card activation or deactivation · CPC title

• G06Q20/355

  Personalisation of cards for use · CPC title