Capital One Services, LLC

Erik Neighbour

Emily Smith

Jason Pribble

Tyler Maiman

Colin Hart

Daniel Alan Jarvis

Lea Cody

Swapnil Patil

Jayanth Prathipati

Bob Uni Koshy

Mary Sweeney

Daniel Pick

Shashikiran Pargaonkar

Anantha Swarna Kavi

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.

Identification card based multi-factor authentication

In some implementations, a device may obtain a document that includes an identification image depicting a face of a person associated with the document. The device may obtain a live user image that depicts an image of a user. The device may extract information from the document image that includes appearance information associated with the person. The appearance information may include one or more document appearance parameters. The device may analyze the identification image, the live user image, and the appearance information to determine whether the user is the person to which the document is issued. The device may perform an action based on determining whether the user is the person to which the document is issued.

Enhanced authentication using a secure document

Methods and systems are described herein for facilitating token use authentication using stochastic-model-derived images. The system may detect an authentication request to authenticate use of an access token and retrieve operation data associated with the access token. The system may determine, based on the operation data, source data associated with a source of a network operation and alternative source data associated with an alternative source. The system may provide, to a stochastic machine learning model, the source data to obtain a first image for the network operation and the alternative source data to obtain a second image for the network operation. The system may then generate, for display, the first image and the second image and may receive a selection of the first image. Based on the selection of the first image, the system may grant the authentication request.

Facilitating authentication using stochastic-model-derived images

In some implementations, a device may obtain, from a user device, a document image that depicts location information associated with an owner of the document. The device may obtain location information associated with the user device. The device may perform optical character recognition using the document image to obtain a location, or may scan a machine-readable code depicted in the document image to obtain the location. The device may determine a device location based on the location information. The device may determine a confidence score based on the location and the device location. The device may determine whether the confidence score satisfies a threshold. The device may perform an action based on determining whether the confidence score satisfies the threshold.

In some implementations, a server device may obtain an indication of an incoming call, associated with a user device, to the call center service. The server device may perform a lookup in a database for information associated with the user device, wherein the information indicates the authentication status of a user that is established via the user device. The server device may determine whether an amount of time that the information has been stored in the database is less than or equal to a time threshold. The server device may generate an authentication token for the incoming call based on the authentication status and based on the amount of time being less than or equal to the time threshold.

Transferring an authentication state from a digital channel to an agent channel

Methods and systems are disclosed herein for authenticating a user. A security device may use an object associated with a user and a device of the user to authenticate the user, for example, if the user has forgotten a password. A user may insert the object (e.g., a card, or other object) into the security device and may select an option to authenticate via a device that is trusted by both the security device and the user, rather than authenticating by entering a password at the security device.

Secure authentication

Display screen or portion thereof with graphical user interface

Embodiments disclosed are directed to a computing system that performs steps for automatically capturing images. The computing system receives an automatic image capture control signal from an application installed on a device and captures, by a camera of the device during a predetermined time interval, preview frames of an object and a background. For each of the preview frames, the computing system identifies an outline of the object in the preview frame, removes the background of the preview frame based on the outline to generate a modified preview frame, and determines a focus value of the modified preview frame. Subsequently, the computing system determines whether a predetermined amount of focus values are greater than a threshold focus value corresponding to the device and, if so, automatically captures, via the camera, an image of the object.

Growing community of inventors

Arlington, VA, United States of America

Erik Neighbour