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. 07, 2026
Filed:
Jun. 24, 2024
Capital One Services, Llc, McLean, VA (US);
Kevin Osborn, Newton Highlands, MA (US);
Srinivasa Chigurupati, Long Grove, IL (US);
David Kelly Wurmfeld, Melbourne, FL (US);
Capital One Services, LLC, McLean, VA (US);
Abstract
Systems and methods are described herein for handling authentication by elevating a user's authentication level as the user performs more operations. An authentication system may receive a first request for a first database operation. The first database operation may include first trust event data for a first trust event associated with a user to be written to a database. For example, a trust event may be a user completing some type of operation successfully. In some embodiments, the operation may be in relation to a third party. A successful operation may then be recorded in the database. As a result of the successful operation, when a trust level is calculated for the user, the trust level may be increased due to the successful operation.