Capital One Services, LLC

Justin Anthony Bowers

Tyler Maiman

Lawrence H Douglas

Thomas S Poole

Lea Cody

James M Ashfield

Melissa Yoemans Heng

Erik Neighbour

John Fields

Mary Sweeney

Christopher Matthews

Karthik Nagesh

Anantha Swarna Kavi

Elaina Teramoto

Drew Cogswell

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

Systems and methods for authenticating a user identity using a sound device, the sound device comprising a card including a plurality of texture protrusions, including establishing an audio connection between a user device and an authentication system, instructing a user of the user device to generate real-time sound data, receiving the real-time sound data at the authentication system, comparing the real-time sound data to a pre-determined sound configuration to determine a match value, and upon determining the match value, causing to output a notification of the determined match value.

Systems and methods for authenticating a user identity using a sound device

Embodiments are generally directed to techniques and devices to communicate a first communication to a mobile device, the first communication including first data to cause the mobile device to download a mobile application, communicate a second communication to the mobile device, the second communication comprising second data comprising a task identifier, the second data to cause the mobile application to perform an authentication task associated with the task identifier, determine the user is authenticated by the authentication task, and enable the mobile device to perform sensitive actions.

System and method to perform digital authentication using multiple channels of communication

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St. Cloud, MN, United States of America

Justin Anthony Bowers