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:
Jul. 23, 2024
Filed:
Apr. 20, 2023
Capital One Services, Llc, McLean, VA (US);
Daniel Miller, Brooklyn, NY (US);
Vyjayanthi Vadrevu, Pflugerville, TX (US);
Viraj Chaudhary, Katy, TX (US);
Samuel Rapowitz, Roswell, GA (US);
Jenny Melendez, Falls Church, VA (US);
Tyler Maiman, Melville, NY (US);
David Septimus, New York, NY (US);
Joshua Edwards, Philadelphia, PA (US);
Capital One Services, LLC, McLean, VA (US);
Abstract
Methods, systems, and apparatuses are described herein for improving computer authentication processes by analyzing user response times to authentication questions. A request for access to an account may be received. Transaction data associated with a user of that account may be retrieved, and a list of merchants may be generated based on the transaction data. A blocklist may be retrieved, and the list of merchants may be filtered based on the blocklist. An authentication question may be presented. The authentication question may relate to the list of merchants. User responses may be received, and response times for the user responses may be measured. Based on the response times and the response times for other users, an average response time for the merchants may be determined. Based on the average response time for a particular merchant exceeding a threshold, the particular merchant may be added to the blocklist.