Capital One Services, LLC

Anantha Swarna Kavi

Tyler Maiman

Erik Neighbour

Mary Sweeney

Elaina Teramoto

Systems and methods for improvements to multifactor authentication (MFA) techniques are described herein. The improved and enhanced MFA techniques can leverage user interaction data to predict an entity-issued user-specific identification document that an authorized user of an authorized user account is most likely to carry on their person. Upon a request to access an authorized user account being received, the improved and enhanced MFA techniques can request that the user capture, in real-time, an image depicting the predicted identification document. Using additional artificial intelligence, a determination may be made as to whether the image depicts a real instance of the entity-issued user-specific identification document. This determination may result in access to the authorized user account being provided or denied.

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Clarksburg, MD, United States of America

Anantha Swarna Kavi