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:
Oct. 14, 2025
Filed:
May. 12, 2023
Capital One Services, Llc, McLean, VA (US);
Kelly Jo Earl Brown, Rockville, MD (US);
Noble Ozoka, Richmond, VA (US);
CAPITAL ONE SERVICES, LLC, Mclean, VA (US);
Abstract
Disclosed embodiments may include a method that includes receiving first identifying information associated with a first user from a computing device; determining a score based on the first identifying information; determining whether the score is less than a threshold; pseudo-randomly generate and transmit a one-time use number to the computing device when the score is less than the threshold. When the score is greater than or equal to the threshold, the method may include transmitting, to the computing device, second instructions prompting the first user to provide second identifying information. Responsive to receiving the second identifying information of the first user, the method may include determining that the second identifying information matches stored second identifying information. Responsive to the second identifying information matching stored second identifying information, the method may include pseudo-randomly generate and transmit the one-time use number to the computing device.