Capital One Services, LLC

Other

Modular Pedal Systems Inc.

Daniel E Miller

Joshua S Edwards

Tyler Maiman

Samuel Rapowitz

Viraj Chaudhary

David Septimus

Jenny Melendez

Vyjayanthi Vadrevu

Shabnam Kousha

Scott Bozack

Joe Transue

Disclosed embodiments may include a method for authenticating calls for a call center where the user can authenticate before or after starting a call to a call center using an application on a user device. The system determines what level of authentication is necessary depending on the task the user wants to accomplish during the call. The system may direct the user to provide credentials, such as a username and password, for some tasks. Other tasks may require the user to verify their financial card by taking a photo of their financial card or tapping their financial card to their device and allow the device to interact with the financial card using NFC technology. Once appropriately authenticated, the system then allows the user to make a call to the call center and also sends a signal to the call center that the user has been previously authenticated.

Systems and methods for authenticating calls for a call center

Methods, systems, and apparatuses are described herein for improving computer authentication processes through excluding fraudulent transactions in transaction-based authentication. A computing device may receive a request for access to an account from a user. The computing device may provide transaction data to a machine learning model. The computing device may receive data indicating a confidence threshold associated with the user from the machine learning model. The computing device may generate a modified set of merchant choices for the user by excluding merchants related to potentially fraudulent transactions within a predetermined time period. An authentication question may be generated, and access to the account may be provided based on a response to the authentication question.

Excluding fraudulent transactions in transaction based authentication

Methods, systems, and apparatuses are described herein for improving computer authentication processes by analyzing user response times to authentication questions. A request for access to an account may be received. Transaction data associated with a user of that account may be retrieved, and a list of merchants may be generated based on the transaction data. A blocklist may be retrieved, and the list of merchants may be filtered based on the blocklist. An authentication question may be presented. The authentication question may relate to the list of merchants. User responses may be received, and response times for the user responses may be measured. Based on the response times and the response times for other users, an average response time for the merchants may be determined. Based on the average response time for a particular merchant exceeding a threshold, the particular merchant may be added to the blocklist.

Authentication question topic exclusion based on response hesitation

Methods, systems, and apparatuses are described herein for improving computer authentication processes through the exclusion of certain merchants that may cause confusion. Indications of a plurality of different merchants, including merchant logos may be received. The indications may be processed to identify at least one similarity between a first merchant and a second merchant. A request for access to an account associated with a user and transaction data corresponding to the account may be received. Based on the similarity between the first merchant and the second merchant, at least one transaction corresponding to the first merchant may be removed to generate processed transaction record. An authentication question may be generated and a candidate response to the authentication question may be received. Based on the candidate response, access to the account may be provided.

Account authentication excluding merchants based on merchant logos

Disclosed are techniques and apparatuses that are configured to receive an indication that a web browsing session executing on an enterprise server needs additional information based on a request for additional information being sent to a client device. The request may include an identifier of the web browsing session and an identifier of an enterprise server that initiated the web browsing session. A globally unique identifier related to the web browsing session and an identifier of the enterprise server is stored in a common data store. The web browsing session may be paused when the web browsing session requests additional information from a client device. The client device may respond with the additional information. The system may provide the identifier of the enterprise server to a load balancing component so the identified web browsing session executing on the enterprise server may continue to be used.

Scalable server-based web scripting with user input

Methods, systems, and apparatuses are described herein for improving the accuracy of synthetic authentication questions by analyzing third party account data. A request for access to a first account associated with a user may be received. The first account may be managed by a first organization. A transactions database might be queried for first account data. Second account data corresponding to a second account associated with the user might be received. That second account may be managed by a second organization different from the first organization. One or more second transactions, unique to the second account, may be identified. A synthetic transaction, configured to be different from transactions in the first account and the one or more second transactions, may be generated. An authentication question may be generated based on the synthetic transaction. Access to the first account might be provided based on a response to the authentication question.

Third party data processing for improvement of authentication questions

Aspects described herein may allow for authenticating a user by generating a customized set of authentication questions based on spending patterns that are automatically detected and extracted from user data. The user data may include transaction data collected over a period of time that may indicate the types of merchants that a user frequently transacts with. By automatically detecting user patterns that correspond to user behavior over a period of time, an authentication system may be able to generate authentication questions about those spending patterns that are easily answerable to an authentic user but difficult to guess or circumvent for any other user.

Authenticating based on user behavioral transaction patterns

Aspects discussed herein may relate to techniques for authenticating a user using transaction-based authentication questions. The transaction-based authentication questions may be provided to the user. The user may provide audible responses to the transaction-based authentication questions that may be captured by a smart device, such as an always on listening device. Authentication of the user may be based on voice analysis of the audible responses to the transaction-based authentication questions and/or based on the answers to the transaction-based authentication questions.

Using an always on listening device skill to relay answers to transaction-based knowledge-based authentications

A modular inline pedal system and methods for using the same are provided. In some embodiments, an apparatus for a musical instrument is provided, the apparatus comprising: a pedalboard that receives an audio signal and that routes the audio signal through one or more instrument pedals such that the audio signal is modified based on one or more instrument effects from the one or more instrument pedals, wherein a top surface of the pedalboard includes: a plurality of pedal attachment regions that receives the one or more instrument pedals, wherein each of the plurality of pedal attachment regions includes an adjustable slider that adjust to accommodate placement of an instrument pedal of differing dimensions, wherein the adjustable slider exposes a mating pin connector for connecting with a plurality of pins positioned on a rear surface of the instrument pedal, and wherein a communication channel between the instrument pedal and the pedalboard is created via a connection of the mating pin connector with the plurality of pins.

Modular inline pedal system and methods for using the same

A method and system for automatically merging and attaching documents, such as photocopies of remittance checks or the like, to envelopes from which the documents originated is disclosed. The system uses a series of bins and conveyors to automatically retrieve, synchronize, merge and reassociate each document to its respective envelope.

Growing community of inventors

Astoria, NY, United States of America

Daniel E Miller