The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Nov. 21, 2023
Filed:
Jul. 27, 2021
Capital One Services, Llc, McLean, VA (US);
Joshua Edwards, Philadelphia, PA (US);
Vyjayanthi Vadrevu, Pflugerville, TX (US);
Tyler Maiman, Melville, NY (US);
Daniel Miller, Astoria, NY (US);
David Septimus, New York, NY (US);
Samuel Rapowitz, Roswell, GA (US);
Viraj Chaudhary, Katy, TX (US);
Jenny Melendez, Falls Church, VA (US);
Capital One Services, LLC, McLean, VA (US);
Abstract
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.