Favorite merchants selection in transaction based authentication

US11995175B2 · kind B2 · utility

Assignee

• CAPITAL ONE SERVICES, LLC · US

Inventors

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

Key dates

• Filing date: Oct 6, 2021
• Grant date: May 28, 2024
• Expiry date: Oct 4, 2042

Classification

• Technology area (CPC G): Physics
• CPC primary: G06F2221/2103
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Methods, systems, and apparatuses are described herein for improving computer authentication processes through presenting favorite merchants selection in transaction-based authentication. A computing device may receive a request for access to an account associated with a user. The computing device may train a machine learning model to determine predicted favorite merchant information, and provide one or more transactions conducted by the user as input to the trained first machine learning model. Data indicating favorite merchant information may be received from the trained first machine learning model. An authentication question may be generated and a candidate response to the authentication question may be received. Based on the candidate response, access to the account may be provided.