US-20260127577-A1 - SYSTEMS AND METHODS FOR CUSTOMIZING AUTHENTICATION CREDENTIALS FOR A PAYMENT CARD

US20260127577A1US 20260127577 A1US20260127577 A1US 20260127577A1US-20260127577-A1

Abstract

A method includes storing a plurality of personal identification identifiers for authenticating transactions; receiving a first request to modify a first personal identification identifier including (i) the first personal identification identifier and (ii) a replacement personal identification identifier provided via a graphical user interface; authorizing the first request to modify the first personal identification identifier by authenticating an authentication credential; and, responsive to authorizing the first request to modify the first personal identification identifier, replacing the first personal identification identifier with the replacement personal identification identifier, such that the replacement personal identification identifier is associated with the payment card account and a restriction previously associated with the first personal identification identifier.

Inventors

Ashley Mullins
Shalini Sahdeo
Dorothy M. Scocci
Katherine M. Yee

Assignees

WELLS FARGO BANK, N.A.

Dates

Publication Date: 20260507
Application Date: 20251229

Claims (20)

1 . A method, comprising: storing, by a computing system and in a database, a plurality of personal identification identifiers for authenticating transactions conducted using a payment card account; receiving, by the computing system and from a thin-client application executing on a client device, an application programming interface (API) request transmitted to an API endpoint of the computing system; responsive to authenticating the thin-client application, providing or causing to provide, by the computing system and to the thin-client application executing on the client device, a first graphical user interface including each personal identification identifier of the plurality of personal identification identifiers associated with the payment card account; presenting, by the computing system, responsive to a first interaction with the first graphical user interface, a second graphical user interface in the thin-client application, the second graphical user interface comprising a set of fields to receive replacement personal identification identifiers; receiving, by the computing system, a first request to modify a first personal identification identifier of the plurality of personal identification identifiers associated with the payment card account, the first request comprising (i) the first personal identification identifier and (ii) a replacement personal identification identifier provided via the second graphical user interface; authorizing the first request to modify the first personal identification identifier by authenticating, by the computing system, an authentication credential associated with the payment card account; responsive to authorizing the first request to modify the first personal identification identifier, replacing, by the computing system, the first personal identification identifier with the replacement personal identification identifier, such that the replacement personal identification identifier is associated with the payment card account and a restriction previously associated with the first personal identification identifier; receiving, by the computing system and from a merchant computing device, a transaction request for a transaction, the transaction request identifying the payment card account and including the replacement personal identification identifier; determining, by the computing system, that the transaction request fails to satisfy the restriction associated with the replacement personal identification identifier; and denying, by the computing system, the transaction request responsive to determining that the transaction request fails to satisfy the restriction associated with the replacement personal identification identifier.
2 . The method of claim 1 , further comprising: presenting, by the computing system, at least one field configured to accept at least one restriction and an interactive element configured to enable assigning the at least one restriction to one of the plurality of personal identification identifiers.
3 . The method of claim 2 , further comprising: receiving, by the computing system, a second request comprising a second personal identification identifier of the plurality of personal identification identifiers to assign to the at least one restriction; and assigning, by the computing system, the second personal identification identifier with the at least one restriction.
4 . The method of claim 3 , further comprising: determining, by the computing system, that the at least one restriction is applicable to a second transaction request identifying the second personal identification identifier; and denying, by the computing system, the second transaction request responsive to determining that the second transaction request does not satisfy the at least one restriction.
5 . The method of claim 4 , wherein the at least one restriction comprises at least one of a geographic limit, a spending limit, or a time period in which transactions are to occur.
6 . The method of claim 4 , further comprising transmitting, by the computing system, an indication that the second transaction request failed to comply with the at least one restriction.
7 . The method of claim 1 , further comprising: receiving, by the computing system, a second transaction request for a second transaction, the second transaction request identifying the payment card account and including the replacement personal identification identifier; determining, by the computing system, that the second transaction request satisfies the restriction associated with the replacement personal identification identifier; and processing, by the computing system, the second transaction request responsive to determining that the transaction request satisfies the restriction associated with the replacement personal identification identifier.
8 . The method of claim 7 , further comprising: identifying, by the computing system, a budget category associated with the replacement personal identification identifier; and assigning, by the computing system, an amount of the second transaction to the budget category.
9 . The method of claim 1 , wherein the payment card account is linked to a debit card associated with the computing system.
10 . A system, comprising: a computing system comprising one or more processors coupled to memory, the computing system configured to: store, in a database, a plurality of personal identification identifiers for authenticating transactions conducted using a payment card account; receive, from a thin-client application executing on a client device, an application programming interface (API) request transmitted to an API endpoint of the computing system; responsive to authenticating the thin-client application, provide to the thin-client application executing on the client device a first graphical user interface including each personal identification identifier of the plurality of personal identification identifiers associated with the payment card account; present, responsive to a first interaction with the first graphical user interface, a second graphical user interface in the thin-client application, the second graphical user interface comprising a set of fields to receive replacement personal identification identifiers; receive a first request to modify a first personal identification identifier of the plurality of personal identification identifiers associated with the payment card account, the first request comprising (i) the first personal identification identifier and (ii) a replacement personal identification identifier provided via the second graphical user interface; authorize the first request to modify the first personal identification identifier by authenticating an authentication credential associated with the payment card account; responsive to authorizing the first request to modify the first personal identification identifier, replace the first personal identification identifier with the replacement personal identification identifier, such that the replacement personal identification identifier is associated with the payment card account and a restriction previously associated with the first personal identification identifier; receive a transaction request for a transaction identifying the payment card account and including the replacement personal identification identifier; determine that the transaction request fails to satisfy the restriction associated with the replacement personal identification identifier; and deny the transaction request responsive to determining that the transaction request fails to satisfy the restriction associated with the replacement personal identification identifier.
11 . The system of claim 10 , wherein the computing system is further configured to: present, in at least one field, at least one restriction and an interactive element configured to enable assigning the at least one restriction to one of the plurality of personal identification identifiers.
12 . The system of claim 11 , wherein the computing system is further configured to: receive a second request comprising a second personal identification identifier of the plurality of personal identification identifiers to assign to the at least one restriction; and assign the second personal identification identifier with the at least one restriction.
13 . The system of claim 12 , wherein the computing system is further configured to: determine that the at least one restriction is applicable to a second transaction request identifying the second personal identification identifier; and deny the second transaction request responsive to determining that the second transaction request does not satisfy the at least one restriction.
14 . The system of claim 13 , wherein the at least one restriction comprises at least one of a geographic limit, a spending limit, or a time period in which transactions are to occur.
15 . The system of claim 13 , wherein the computing system is further configured to transmit an indication that the second transaction request failed to comply with the at least one restriction.
16 . The system of claim 10 , wherein the computing system is further configured to: receive a second transaction request for a second transaction, the second transaction request identifying the payment card account and including the replacement personal identification identifier; determine that the second transaction request satisfies the restriction associated with the replacement personal identification identifier; and process the second transaction request responsive to determining that the second transaction request satisfies the restriction associated with the replacement personal identification identifier.
17 . The system of claim 16 , wherein the computing system is further configured to: identify a budget category associated with the replacement personal identification identifier; and assign an amount of the second transaction to the budget category.
18 . The system of claim 10 , wherein the payment card account is linked to a debit card associated with the computing system.
19 . A non-transitory computer-readable medium storing instructions that, when executed by one or more processors of a computing system, cause the one or more processors to perform operations comprising: storing a plurality of personal identification identifiers for authenticating transactions conducted using a payment card account; receiving, from a thin-client application executing on a client device, an application programming interface (API) request transmitted to an API endpoint of the computing system; responsive to authenticating the thin-client application, providing to the thin-client application executing on the client device a first graphical user interface including each personal identification identifier of the plurality of personal identification identifiers associated with the payment card account; presenting, responsive to a first interaction with the first graphical user interface, a second graphical user interface in the thin-client application, the second graphical user interface comprising a set of fields to receive replacement personal identification identifiers; receiving a first request to modify a first personal identification identifier of the plurality of personal identification identifiers associated with the payment card account, the first request comprising (i) the first personal identification identifier and (ii) a replacement personal identification identifier provided via the second graphical user interface; authorizing the first request to modify the first personal identification identifier by authenticating an authentication credential associated with the payment card account; responsive to authorizing the first request to modify the first personal identification identifier, replacing the first personal identification identifier with the replacement personal identification identifier, such that the replacement personal identification identifier is associated with the payment card account and a restriction previously associated with the first personal identification identifier; receiving a transaction request for a transaction, the transaction request identifying the payment card account and including the replacement personal identification identifier; determining that the transaction request fails to satisfy the restriction associated with the replacement personal identification identifier; and denying the transaction request responsive to determining that the transaction request fails to satisfy the restriction associated with the replacement personal identification identifier.
20 . The non-transitory computer-readable medium of claim 19 , wherein the instructions, when executed, cause the one or more processors to perform operations comprising: presenting, in at least one field, at least one restriction and an interactive element configured to enable assigning the at least one restriction to one of the plurality of personal identification identifiers.

Description

CROSS-REFERENCE TO RELATED PATENT APPLICATIONS This application is a continuation of U.S. patent application Ser. No. 17/588,643, filed Jan. 31, 2022, which is a continuation of U.S. patent application Ser. No. 14/980,246, filed Dec. 28, 2015, all of which are incorporated herein by reference in their entireties and for all purposes. BACKGROUND Payment cards (e.g., debit cards, credit cards, prepaid cards, etc.) may require an authentication credential (e.g., personal identification number, biometric data, signature, etc.) to authenticate a customer at a point-of-sale. The authentication credential is often randomly assigned to the payment card when the card is issued. To edit the authentication credential, a customer may be required to visit a branch location or automated teller machine (“ATM”) operated by the issuing financial institution. Further, each payment card is typically associated with a single authentication credential that is required from all users of the card. SUMMARY One embodiment of the present disclosure relates to a method of customizing authentication credentials for a payment card. The method includes providing, by a payment card configuration circuit of a financial institution computing system, a card configuration interface to a computing device of a customer, the customer having a payment card account maintained by the financial institution computing system, receiving, by the payment card configuration circuit, a request from the computing device to modify an authentication requirement for use of the payment card account, the request including an authentication credential, and assigning, by the payment card configuration circuit, the authentication credential to a payment card associated with the payment card account, wherein the authentication credential is useable to authenticate a user of the payment card. Another embodiment of the present disclosure relates to another method of customizing authentication credentials for a payment card. The method includes assigning, by a payment card configuration circuit of a financial institution computing system, a first authentication credential, including a first use parameter, to a payment card maintained by the financial institution computing system, assigning, by the payment card configuration circuit, a second authentication credential, including a second use parameter, to the payment card, receiving, by the payment card configuration circuit, a transaction request from a merchant to authorize a transaction from the payment card, the transaction request including one of the first authentication credential and the second authentication credential, and based on which of the authentication credentials is received, applying, by the payment card configuration circuit, the corresponding use parameter to the transaction. Another embodiment of the present disclosure relates to an apparatus for customizing authentication credentials for a payment card. The apparatus includes a financial institution customer database that stores customer financial information, including information relating to a payment card account of a customer, a network interface circuit communicably coupled to the financial institution customer database and structured to communicate with a computing device of the customer, and a payment card configuration circuit communicably coupled to the financial institution customer database and the network interface circuit. The payment card configuration circuit is structured to provide a card configuration interface to the computing device of the customer via the network interface circuit, receive a request from the computing device to modify an authentication requirement for use of the payment card account, the request including an authentication credential, and assign, at the financial institution customer database, the authentication credential to a payment card associated with the payment card account, wherein the authentication credential is useable to authenticate a user of the payment card. Another embodiment of the present disclosure relates to another apparatus for customizing authentication credentials for a payment card. The apparatus includes a financial institution customer database that stores customer financial information, including information relating to a payment card account of a customer, a network interface circuit communicably coupled to the financial institution customer database and structured to communicate with a computing device of the customer, and a payment card configuration circuit communicably coupled to the financial institution customer database and the network interface circuit. The payment card configuration circuit is structured to assign, at the financial institution customer database, a first authentication credential, including a first use parameter, to a payment card maintained by the financial institution computing system, assign, at the financial institution customer database, a second auth