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. 19, 2024
Filed:
Nov. 18, 2021
Capital One Services, Llc, McLean, VA (US);
Lin Ni Lisa Cheng, New York, NY (US);
Asher Smith-Rose, Arlington, VA (US);
Tyler Maiman, Melville, NY (US);
Shabnam Kousha, Washington, DC (US);
Joshua Edwards, Philadelphia, PA (US);
Capital One Services, LLC, McLean, VA (US);
Abstract
Systems, methods, and non-transitory computer readable medium disclosed herein relate to identity verification and authorization method. In one embodiment, the system can generate and send a message to a device associated with a user based on an initiated request from the user and a determination the user should be authenticated, wherein the message requests a content-based response from the user to authenticate the user. In another embodiment, the system can receive the content-based response from the user in reply to the message, wherein the content-based response comprises SMS (short message service) metadata, emoji, photo, video, audio, or a combination thereof. In another embodiment, the system can authenticate the user based on a determination of a confirmed match between the content-based response from the user and a response key preselected by the user.