Authenticating based on user behavioral transaction patterns

US11823197B2 · kind B2 · utility

Assignee

• CAPITAL ONE SERVICES, LLC · US

Inventors

• Joshua Edwards · Philadelphia, US
• Vyjayanthi Vadrevu · Pflugerville, US
• Tyler Maiman · Melville, US
• Daniel Miller · Brooklyn, US
• David Septimus · New York, US
• Samuel Rapowitz · Roswell, US
• Viraj Chaudhary · Katy, US
• Jenny Melendez · Falls Church, US

Key dates

• Filing date: Jul 27, 2021
• Grant date: Nov 21, 2023
• Expiry date: Jul 27, 2041

Classification

• Technology area (CPC G): Physics
• CPC primary: G06N3/0464
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Aspects described herein may allow for authenticating a user by generating a customized set of authentication questions based on spending patterns that are automatically detected and extracted from user data. The user data may include transaction data collected over a period of time that may indicate the types of merchants that a user frequently transacts with. By automatically detecting user patterns that correspond to user behavior over a period of time, an authentication system may be able to generate authentication questions about those spending patterns that are easily answerable to an authentic user but difficult to guess or circumvent for any other user.