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.

Date of Patent:
Aug. 19, 2025

Filed:

Mar. 04, 2024
Applicant:

Capital One Services, Llc, McLean, VA (US);

Inventors:

Abdelkader M'hamed Benkreira, Washington, DC (US);

Joshua Edwards, Philadelphia, PA (US);

Adam Vukich, Alexandria, VA (US);

Assignee:

Capital One Services, LLC, McLean, VA (US);

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 20/40 (2012.01); H04W 4/021 (2018.01); H04W 4/029 (2018.01);
U.S. Cl.
CPC ...
G06Q 20/4016 (2013.01); H04W 4/021 (2013.01); H04W 4/029 (2018.02); G06Q 2240/00 (2013.01);
Abstract

Various embodiments described herein are generally directed to techniques for managing fraud rules and generating authentication directions according to location data from one or more client devices. Embodiments may include using a payment server informed by a client device application to manage and/or apply fraud rules for transactions. In embodiments, fraud rules may be managed based on location data provided by a client device application and/or location data associated with at least one transaction system. In some embodiments, fraud rules may be managed based on location data provided by multiple client device applications and/or location data associated with at least one transaction system. In some embodiments, rules may be managed for an individual authorization request according to information from at least one client device application and location data for a transaction system associated with the authorization request.


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