| CPC G06Q 20/10 (2013.01) [G06Q 20/341 (2013.01)] | 16 Claims |
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1. A computing system comprising:
a processor; and
a memory coupled to the processor, the memory storing processor-executable instructions that, when executed, configure the processor to:
obtain, from a transfer rail server, stored card data identifying one or more third-party entities that each stores a respective representation of a value transfer card remotely and data indicating a time of last use of the value transfer card by at least one of the identified entities;
determine which of the third-party entities is a dormant entity based on the data indicating the time of last use of the value transfer card by the at least one identified entity by performing a threshold-based comparison using the time of last use, a current date, and a first threshold amount of time;
present, via a user interface of a card management application on a client device associated with the value transfer card, a notification indicating the dormant entity, the notification including a selectable user interface element corresponding to an operation for disabling the value transfer card for the dormant entity;
receive, via the client device, a command in response to the notification;
in response to determining that the command includes a request to disable the value transfer card for the dormant entity, transmit, via an application programming interface (API) request to the transfer rail server, an instruction to revoke a token representing the value transfer card for the dormant entity to prevent further use of the value transfer card by the dormant entity;
in response to determining that the command is not a request to disable the value transfer card for the dormant entity:
obtain, from the transfer rail server, further data indicating an updated time of last use of the value transfer card by the at least one identified entity; and
determine that the dormant entity for which the notification was sent has entered a further dormancy period by performing a threshold-based comparison using the updated time of last use, the current date, and a second threshold amount of time, wherein the second threshold amount of time represents a longer time period than the first threshold amount of time; and
in response to determining that the dormant entity has entered the further dormancy period, automatically disable the value transfer card for the dormant entity.
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