Card account identifiers associated with conditions for temporary use

Abstract

Systems, methods and computer-readable media are disclosed for providing a cardholder with a token corresponding to a card account identifier for temporary use in emergency situations in which an existing card account identifier has potentially been compromised, as a result of theft or loss of a transaction card or other potential misappropriation of the existing identifier, or situations in which the existing identifier is otherwise unavailable for use. The card account identifier for temporary use may be associated with conditions that restrict the manner and scope according to which the identifier may be used to gain access to funds. The token is provided to a funds dispensing system that is configured to construct the corresponding card account identifier from the token and initiate a financial transaction using the card account identifier.

1 . A computing system, comprising:
 at least one memory storing computer-executable instructions; and   at least one processor communicatively coupled to the at least one memory and configured to access the at least one memory and execute the computer-executable instructions to:
 electronically receive, on behalf of a requestor, identifying information associated with a cardholder of a transaction card, wherein the transaction card i) is associated with an existing card account identifier, and ii) enables access to funds associated with a financial account; 
 retrieve stored identifying information associated with the cardholder from a datastore; 
 authenticate the requestor's identity by electronically comparing at least a portion of the electronically received identifying information to at least a portion of the stored identifying information retrieved from the datastore; 
 after authenticating the requestor's identity and in response to an indication that the existing card account identifier is potentially compromised or unavailable for use:
 i) instruct applying a block to the existing card account identifier, wherein the block prevents the existing card account identifier from enabling access to any of the funds; 
 ii) instruct generating a temporary card account identifier associated with the financial account that enables temporary access to the funds associated with a financial account within a time limit for use; 
 iii) instruct generating a new permanent card account identifier associated with the financial account; and 
 iv) instruct generating a new transaction card for the new permanent card account identifier, wherein the existing card account identifier, the temporary card account identifier, and the new permanent card account identifier are all associated with the financial account for a configurable time period; 
 
 generate and provide an encoded representation of the temporary card account identifier, wherein the encoded representation of the temporary card account identifier i) is configured for visible display via a mobile app executing on a mobile device operated by the requestor, and ii) encodes the temporary card account identifier; 
 receive, by an automated teller machine (ATM), a withdrawal request on behalf of the requestor; 
 capture, by the ATM subsequent to receiving the withdrawal request, the encoded representation of the temporary card account identifier from a presentation by the mobile app executing on the mobile device operated by the requestor; 
 initiate, by the ATM, validation of the withdrawal request based at least in part on the encoded representation of the temporary card account identifier; and 
 responsive to validating the withdrawal request, dispensing, by the ATM, cash corresponding to the withdrawal request. 
   
     
     
         2 . The computing system of  claim 1 , wherein i) the computer-executable instructions, when executed, further determine whether one or more conditions for temporary use are satisfied, and ii) the one or more conditions for temporary use comprise one or more of:
 a) a threshold number of permitted uses of the existing card account identifier to access at least a portion of the funds,   b) a maximum amount of the funds to which the existing card account enables access,   c) an expiration time limit associated with the existing card account, wherein the existing card account no longer enables access to the at least a portion of the funds upon or subsequent to the expiration time limit,   d) a maximum amount of the funds to which the existing card account enables access for each permitted use of the existing card account, or   e) one or more permitted ATM locations for receipt of the at least a portion of the funds.   
     
     
         3 . The computing system of  claim 2 , wherein the one or more conditions for temporary use are determined based at least in part on at least one of: i) one or more fraud detection/mitigation rules, or ii) historical transaction information associated with the cardholder. 
     
     
         4 . The computing system of  claim 2 , wherein the one or more conditions for temporary use further comprise one or more of i) a location of the ATM location being within a threshold distance from a location of the mobile device, or ii) the ATM being an authorized type of ATM. 
     
     
         5 . The computing system of  claim 2 , wherein i) the one or more conditions for temporary use comprise a geographic constraint constraining use of the existing card account to a geographic region encompassing a location of the mobile device, and ii) the existing card account does not enable access to the at least a portion of the funds outside of the geographic region. 
     
     
         6 . The computing system of  claim 1 , wherein the computer-executable instructions, when executed, further transmit, for presentation via the mobile app executing on the mobile device, instructions for establishing a Personal Identification Number (PIN) associated with the existing card account identifier. 
     
     
         7 . The computing system of  claim 1 , wherein the electronically received identifying information associated with the cardholder comprises at least one of:
 i) a login identifier,   ii) a name,   iii) a telephone number, or   iv) at least a portion of a government-issued identifier.   
     
     
         8 . The computing system of  claim 1 , wherein the existing card account identifier is automatically determined as being potentially comprised by fraud detection processing. 
     
     
         9 . The computing system of  claim 1 , wherein the encoded representation is selected from the group consisting of a QR code and a barcode. 
     
     
         10 . A method comprising:
 electronically receiving, by a computing system and on behalf of a requestor, identifying information associated with a cardholder of a transaction card, wherein the transaction card i) is associated with an existing card account identifier, and ii) enables access to funds associated with a financial account;   retrieving, by the computing system, stored identifying information associated with the cardholder from a datastore;   authenticating, by the computing system, the requestor's identity by electronically comparing at least a portion of the electronically received identifying information to at least a portion of the stored identifying information retrieved from the datastore;   after authenticating the requestor's identity and in response to an indication that the existing card account identifier is potentially compromised or unavailable for use:
 i) instructing, by the computing system, applying a block to the existing card account identifier, wherein the block prevents the existing card account identifier from enabling access to any of the funds; 
 ii) instructing, by the computing system, generating a temporary card account identifier associated with the financial account that enables temporary access to the funds associated with a financial account within a time limit for use; 
 iii) instructing, by the computing system, generating a new permanent card account identifier associated with the financial account; and 
 iv) instructing, by the computing system, generating a new transaction card for the new permanent card account identifier, wherein the existing card account identifier, the temporary card account identifier, and the new permanent card account identifier are all associated with the financial account for a configurable time period; 
   generating and providing, by the computing system, an encoded representation of the temporary card account identifier, wherein the encoded representation of the temporary card account identifier i) is configured for visible display via a mobile app executing on a mobile device operated by the requestor, and ii) encodes the temporary card account identifier;   receive, by an automated teller machine (ATM), a withdrawal request on behalf of the requestor;   capture, by the ATM subsequent to receiving the withdrawal request, the encoded representation of the temporary card account identifier from a presentation by the mobile app executing on the mobile device operated by the requestor;   initiate, by the ATM, validation of the withdrawal request based at least in part on the encoded representation of the temporary card account identifier; and   responsive to validating the withdrawal request, dispensing, by the ATM, cash corresponding to the withdrawal request.   
     
     
         11 . The method of  claim 10 , wherein i) the method further comprises determining whether one or more conditions for temporary use are satisfied, and ii) the one or more conditions for temporary use comprise one or more of:
 a) a threshold number of permitted uses of the existing card account identifier to access at least a portion of the funds,   b) a maximum amount of the funds to which the existing card account enables access,   c) an expiration time limit associated with the existing card account, wherein the existing card account no longer enables access to the at least a portion of the funds upon or subsequent to the expiration time limit,   d) a maximum amount of the funds to which the existing card account enables access for each permitted use of the existing card account, or   e) one or more permitted ATM locations for receipt of the at least a portion of the funds.   
     
     
         12 . The method of  claim 11 , wherein the one or more conditions for temporary use are determined based at least in part on at least one of: i) one or more fraud detection/mitigation rules, or ii) historical transaction information associated with the cardholder. 
     
     
         13 . The method of  claim 11 , wherein the one or more conditions for temporary use further comprise one or more of i) a location of the ATM location being within a threshold distance from a location of the mobile device, or ii) the ATM being an authorized type of ATM. 
     
     
         14 . The method of  claim 11 , wherein i) the one or more conditions for temporary use comprise a geographic constraint constraining use of the existing card account to a geographic region encompassing a location of the mobile device, and ii) the existing card account does not enable access to the at least a portion of the funds outside of the geographic region. 
     
     
         15 . The method of  claim 10 , wherein the computer-executable instructions, when executed, further transmit, for presentation via the mobile app executing on the mobile device, instructions for establishing a Personal Identification Number (PIN) associated with the existing card account identifier. 
     
     
         16 . The method of  claim 10 , wherein the electronically received identifying information associated with the cardholder comprises at least one of:
 i) a login identifier,   ii) a name,   iii) a telephone number, or   iv) at least a portion of a government-issued identifier.   
     
     
         17 . The method of  claim 10 , wherein the existing card account identifier is automatically determined as being potentially comprised by fraud detection processing. 
     
     
         18 . The method of  claim 10 , wherein the encoded representation is selected from the group consisting of a QR code and a barcode. 
     
     
         19 . A computer program product, the computer program product comprising at least one non-transitory computer-readable storage medium having computer-readable program code portions stored therein, the computer-readable program code portions configured to cause a computing system to:
 electronically receive, on behalf of a requestor, identifying information associated with a cardholder of a transaction card, wherein the transaction card i) is associated with an existing card account identifier, and ii) enables access to funds associated with a financial account;   retrieve stored identifying information associated with the cardholder from a datastore;   authenticate the requestor's identity by electronically comparing at least a portion of the electronically received identifying information to at least a portion of the stored identifying information retrieved from the datastore;   after authenticating the requestor's identity and in response to an indication that the existing card account identifier is potentially compromised or unavailable for use:
 i) instruct applying a block to the existing card account identifier, wherein the block prevents the existing card account identifier from enabling access to any of the funds; 
 ii) instruct generating a temporary card account identifier associated with the financial account that enables temporary access to the funds associated with a financial account within a time limit for use; 
 iii) instruct generating a new permanent card account identifier associated with the financial account; and 
 iv) instruct generating a new transaction card for the new permanent card account identifier, wherein the existing card account identifier, the temporary card account identifier, and the new permanent card account identifier are all associated with the financial account for a configurable time period; 
   generate and provide an encoded representation of the temporary card account identifier, wherein the encoded representation of the temporary card account identifier i) is configured for visible display via a mobile app executing on a mobile device operated by the requestor, and ii) encodes the temporary card account identifier;   receive, by an automated teller machine (ATM), a withdrawal request on behalf of the requestor;   capture, by the ATM subsequent to receiving the withdrawal request, the encoded representation of the temporary card account identifier from a presentation by the mobile app executing on the mobile device operated by the requestor;   initiate, by the ATM, validation of the withdrawal request based at least in part on the encoded representation of the temporary card account identifier; and   responsive to validating the withdrawal request, dispensing, by the ATM, cash corresponding to the withdrawal request.   
     
     
         20 . The computer program product of  claim 19 , wherein i) the computer-readable program code portions are further configured to cause the computing system to determine whether one or more conditions for temporary use are satisfied, and ii) the one or more conditions for temporary use comprise one or more of:
 a) a threshold number of permitted uses of the existing card account identifier to access at least a portion of the funds,   b) a maximum amount of the funds to which the existing card account enables access,   c) an expiration time limit associated with the existing card account, wherein the existing card account no longer enables access to the at least a portion of the funds upon or subsequent to the expiration time limit,   d) a maximum amount of the funds to which the existing card account enables access for each permitted use of the existing card account, or   e) one or more permitted ATM locations for receipt of the at leas