Authenticating based on behavioral transactional patterns

US12282922B2 · kind B2 · utility

Assignee

• CAPITAL ONE SERVICES, LLC · US

Inventors

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

Key dates

• Filing date: Jan 2, 2024
• Grant date: Apr 22, 2025
• Expiry date: Jan 2, 2044

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/405
• 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 patterns that are automatically detected and extracted from user data. The user data may include transaction data collected over a period of time. By automatically detecting user patterns that correspond to user behavior over a period of time, an authentication system may be able to generate information that is recognizable to an authentic user but difficult to guess or circumvent for any other user.