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. 21, 2025
Filed:
Jun. 15, 2022
Capital One Services, Llc, McLean, VA (US);
Jeffrey Carlyle Wieker, Falls Church, VA (US);
Kevan Emmott, Arlington, VA (US);
Clayton Johnson, Edgewood, MD (US);
Capital One Services, LLC, McLean, VA (US);
Abstract
Disclosed embodiments pertain to systems and methods related to user authentication with a virtual payment card. A virtual card number can be requested as a login credential for a user. A virtual card number can be transmitted through a credit card payment network to a financial institution that issued the virtual card for payment authorization. The user can subsequently be authenticated in response to a granted payment authorization by the financial institution. The financial institution can execute a machine learning model trained to infer fraud based on a usage pattern associated with a virtual card number. Granting or denying payment authorization can depend on a confidence score returned by the model regarding the likelihood of fraud. A virtual card number associated with authentication can include one or more distinguishing characteristics in one instance. Further, virtual card numbers can include use restrictions in time and location.