Capital One Services, LLC

Samuel Rapowitz

Viraj Chaudhary

Tyler Maiman

Joshua S Edwards

David Septimus

Jenny Melendez

Daniel Miller

Kevin Grant Osborn

Vyjayanthi Vadrevu

Daniel E Miller

Xiaoguang Zhu

Bryant Alan Yee

Zviad Aznaurashvili

Armando Martinez Stone

Joshua Peters

Alexander Lin

John Jones

Steven Black

Zachary Sweeney

Jeffrey Rule

Shabnam Kousha

Kathryn Tikoian

Mia Rodriguez

Purva Shanker

Julian Duque

Haytham Yaghi

Dennis Liu

Evelyn Burke

Caroline Williams

Maxwell Gotsch

Michael Gaba

Andrew Shelton

Ashleigh Choi

In some implementations, an augmented reality device may establish a link with a transaction device. The augmented reality device may scan a surrounding environment to identify one or more objects in the surrounding environment using computer vision. The augmented reality device may determine, based on a notification that the transaction device was used to perform a transaction, a category associated with one or more objects that were identified in the surrounding environment at a time that the transaction was performed. The augmented reality device may send, to a transaction backend system, information that identifies a merchant category code (MCC) associated with the transaction based on the category associated with the one or more objects that were identified in the surrounding environment at the time that the transaction was performed.

Augmented reality techniques to identify a merchant category code associated with a transaction

Methods and systems are described herein for an access control system that may receive, from a device associated with a cryptography-based storage application, a blockchain operation request. The blockchain operation request may include an identifier of a cryptographic token (e.g., non-fungible token) that may store encrypted verification data encrypted using a public key associated with the cryptography-based storage application. The access control system may use an address associated with the cryptography-based storage application to send the verification data so that the verification data is decrypted and a first encoding of the decrypted data is generated by the device associated with the cryptography-based storage application. The access control system may then compare that first encoding with a second encoding made from the original verification data, and, based on the first encoding matching the second encoding, generate an authentication confirmation.

Sharing and requesting private data using cryptography

Systems and methods are directed to optimizing a security and recoverability trade-off generally associated with cryptocurrency master key storage. Exemplary embodiments provide a biometrically derived cryptographic seed using a measurement of one or more scale invariant biometric attributes associated with a user. The measured user biometric data is then processed into a repeatable biometric identifier and formatted into a (biometric) cryptographic seed, for derivation of a master extended private key, which may be stored in an HD wallet or used dynamically to conduct a blockchain transaction. The biometric seed and master key generation process may be facilitated by a mobile application responsive to a readout of biometric data from sensors integrated/associated with the mobile device. The captured biometric data may be cryptographically combined with a user-inputted password and/or an authentication data record wirelessly retrieved from an OTP card, to generate a cryptographic seed with greater security attributes.

Systems and methods for creating seed and master keys for blockchain wallets from user biometrics

The invention relates to generating cryptographic tokens based on received records. The system may receive a blockchain operation request comprising a plurality of records, encrypt a plurality of records into an encrypted payload, generate a cryptographic token based on the encrypted payload, and cause the cryptographic token to be committed to a blockchain.

Systems and methods for user control and exclusion of cryptographic tokenized data

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 embodiments may include a method for generating authentication quizzes. The method can comprise receiving an authentication request associated with a user. The method can further comprise requesting a transaction history associated with the user. The transaction history can comprise a first purchase of a first product and a second purchase of a second product. The method can include selecting the first product and the second product to authenticate the user and determining a third product that the user did not purchase. The method can generate images of the first product, the second product, and the third product based on SKU data and can generate an authentication quiz comprising the images of each product and requests to confirm if the user purchased the products recently or not. Upon receiving correct responses from the user, the method can comprise transmitting instructions to the user device to authenticate the user.

Systems and methods for generating authentication quizzes

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

In some implementations, a device may obtain registration information, associated with an account, including one or more training handwriting samples of a user. The device may detect an initiation of an event associated with the account. The device may provide, to a terminal device associated with the event, the one or more authentication prompts to cause the terminal device to provide the one or more authentication prompts while the event is pending. The device may obtain, from the terminal device, one or more handwriting samples in response to the one or more authentication prompts. The device may determine, using a machine learning model, whether the user is associated with the event based on whether the one or more handwriting samples are in a handwriting of the user. The device may authenticate the event based on determining whether the one or more handwriting samples are in the handwriting of the user.

Account authentication using handwriting samples

Methods, systems, and apparatuses are described herein for improving computer authentication processes through presenting favorite merchants selection in transaction-based authentication. A computing device may receive a request for access to an account associated with a user. The computing device may train a machine learning model to determine predicted favorite merchant information, and provide one or more transactions conducted by the user as input to the trained first machine learning model. Data indicating favorite merchant information may be received from the trained first machine learning model. 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.

Favorite merchants selection in transaction based authentication

A transaction card assembly is disclosed, comprising a card body, an EMV chip, visible cardholder information, and a receiving portion disposed on the card body; a weighted card component comprising an attachment portion, the weighted card component being heavier than the card body and wherein, in a first configuration, the weighted card component is coupled to the card body via engagement between the receiving portion and the attachment portion, and in a second configuration, the weighted card component is uncoupled from the card body by disengagement between the attachment portion and the receiving portion, and wherein, in the first configuration, the weighted card component obfuscates the EMV chip and the visible cardholder information.

Transaction card with a removable weight

Systems and methods for validating transfers between cryptographic addresses is disclosed. The systems and methods can include receiving instructions to transfer a first plurality of tokens from a first cryptographic address to a second cryptographic address. The transfer can be validated with a portion of the distributed validation processors. The method can include transferring a first plurality of tokens to the second cryptographic address. The method can include transferring a second plurality of tokens to a first distributed validation processor of the plurality of distributed validation processors. After a predetermined period of time and/or subsequent validations by the first distributed validation processors, the method can include transferring an amount greater than the second plurality of tokens to the first cryptographic address.

Systems and methods for validating transfers between cryptographic addresses

Aspects described herein may allow for authenticating a user by generating a customized set of authentication questions based on patterns that are automatically detected and extracted from user data. The user data may include transaction data collected over a period of time. By automatically detecting user patterns that correspond to user behavior over a period of time, an authentication system may be able to generate information that is recognizable to an authentic user but difficult to guess or circumvent for any other user.

Authenticating based on behavioral transactional patterns

Methods, systems, and apparatuses are described herein for improving computer authentication processes by using physical environment information. A computing device may receive video depicting a physical environment and process that video to identify one or more first objects. The computing device may receive a request for access to an account. The computing device may send a prompt for a physical environment description and receive, in response, an indication of one or more second objects. The indication of the one or more second objects may comprise video of the physical environment, a verbal description of the physical environment, and/or text describing the physical environment. The computing device may grant the user device access to the account based on comparing the one or more first objects to the one or more second objects.

Physical environment based account authentication

Aspects described herein may relate to techniques for detecting login activity to a financial account during a knowledge-based authentication process. The login activity may be related to access to an online interface for the financial account. The detection of login activity during the authentication process my indicate that the integrity of the authentication process is compromised as login access may provide an individual with transaction data that may be used to answer transaction-based authentication questions. As a result of detecting login activity, an alternative authentication process may be initiated or an authentication request related to the financial account may be denied.

Detecting separate login during action based knowledge-based authentication and disqualifying validity

Methods, systems, and apparatuses are described herein for improving computer authentication processes by generating authentication questions based on the location of a user. Transaction data indicating a plurality of transactions associated with a user account may be received. Location data indicating a plurality of locations of a user device might be received. At least a subset of the plurality of transactions may be tagged, based on the location data, with an indication that a user was present for a respective transaction. For example, a location of a merchant might be compared to a user device location indicated by the location data. A plurality of authentication questions might be generated based on the subset of the plurality of transactions. Access to the user account might be provided based on responses to the plurality of authentication questions.

Growing community of inventors

Roswell, GA, United States of America

Samuel Rapowitz