Detecting separate login during action based knowledge-based authentication and disqualifying validity

US12242576B2 · kind B2 · utility

Assignee

• CAPITAL ONE SERVICES, LLC · US

Inventors

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

Key dates

• Filing date: Mar 8, 2024
• Grant date: Mar 4, 2025
• Expiry date: Mar 8, 2044

Classification

• Technology area (CPC G): Physics
• CPC primary: G06F2221/2135
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Aspects described herein may relate to techniques for detecting login activity to a financial account during a knowledge-based authentication process. The login activity may be related to access to an online interface for the financial account. The detection of login activity during the authentication process my indicate that the integrity of the authentication process is compromised as login access may provide an individual with transaction data that may be used to answer transaction-based authentication questions. As a result of detecting login activity, an alternative authentication process may be initiated or an authentication request related to the financial account may be denied.