Capital One Services, LLC

James Dillon

William Anderson Hodges

Max Doerfler

Brian Deluca

Jamie Warder

Ken Allen

Anurag Joshi

Mohammed Zafar Iqbal

Kevin Rosengren

Richie Hollins

In some embodiments, based on a wireless signal of a mobile device (e.g., obtained by a local device) the mobile device and a first authentication capability of the mobile device may be detected. Based on the detection of the mobile device, the mobile device may present access initiation options on a user interface of the mobile device. Based on a selection of a first option of the access initiation options via the user interface to initiate an access request for an access operation with the local device, an authentication request may be generated, where the authentication request is associated with the first authentication capability and with a first authentication tier. For example, the authentication request may be generated based on (i) the first authentication capability being detected as an authentication capability of the mobile device and (ii) the first authentication tier corresponding to an access amount of the access request.

Systems and methods for detected-capability-based authentication of a mobile device for performing an access operation with a local device

The disclosed embodiments provide systems and methods for transacting at a local financial service provider device using a mobile device. The system may include one or more processors configured to execute instructions to receive transaction data associated with a transaction request including a customer identifier received from a mobile device associated with the customer. Additionally, the processors may receive authentication data associated with the customer that may be provided by the customer operating the mobile device and without requiring the customer to input data directly at the local financial service provider device. The processors may further determine whether the received authentication data authenticates the transaction, authorize the transaction, and provide an indication to the local financial service provider device to perform the transaction based on a determination that the customer operating the mobile device is physically located within a threshold distance away from the local financial service provider device.

Systems and methods for transacting at an ATM using a mobile device

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Midlothian, VA, United States of America

James Dillon