Min Suk Kim

US Patent:

20180158044, Jun 7, 2018

Filed:

Jan 12, 2018

Appl. No.:

15/870834

Inventors:

- McLean VA, US
Samantha SCHNEIDER - Alexandria VA, 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 - Washington DC, US
Joshua WILBUR - Potomac MD, US
Abhinav AGRAWAL - Washington DC, US
Jeffrey SAMITT - Glen Allen VA, US

Assignee:

Capital One Services, LLC - McLean VA

International Classification:

G06Q 20/32
G06Q 20/34
G06Q 20/20
G06Q 20/40

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.

US Patent:

20180114212, Apr 26, 2018

Filed:

Dec 14, 2017

Appl. No.:

15/842853

Inventors:

- McLean VA, US
Samantha SCHNEIDER - Alexandria VA, 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 - Washington DC, US
Joshua WILBUR - Potomac MD, US
Abhinav AGRAWAL - Washington DC, US
Jeffrey SAMITT - Glen Allen VA, US

Assignee:

Capital One Services, LLC - McLean VA

International Classification:

G06Q 20/32
G06Q 20/34
G06Q 20/20
G06Q 20/40

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.

Address:

7906 John Adams Ct APT 202, Annandale, VA 22003

Phone:

(703)3543637

VIN:

3N1BC13E57L388825

Make:

NISSAN

Model:

VERSA

Year:

2007