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. 11, 2026

Filed:

Sep. 15, 2022
Applicant:

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

Inventors:

Allison Fenichel, Brooklyn, NY (US);

John Oliva Gilling, Brooklyn, NY (US);

Aditya Pai, Brooklyn, NY (US);

Assignee:

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

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 20/40 (2012.01); G06Q 20/38 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/4015 (2020.05); G06Q 20/3821 (2013.01);
Abstract

In some implementations, a device may obtain first location data associated with one or more exchanges, where the first location data is associated with a first level of granularity. The device may determine second location data associated with the one or more exchanges based on records associated with the one or more exchanges, where the second location data is associated with a second level of granularity that is higher than the first level of granularity. The device may detect an authentication event associated with an access attempt to the account. The device may provide, based on detecting the authentication event, one or more authentication queries that are based on the second location data. The device may authenticate the access attempt to the account based on one or more responses to the one or more authentication queries.


Find Patent Forward Citations

Fenichel, Allison. (2026). Multi-factor authentication using location data (U.S. Patent No. 12705621). U.S. Patent and Trademark Office. https://idiyas.com/patent/badge/12705621

Data source: USPTO (United States Patent and Trademark Office) public patent records. Weekly synchronization. How IDiyas builds this profile

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