Favorite merchants selection in transaction based authentication

US12321442B2 · kind B2 · utility

Assignee

• CAPITAL ONE SERVICES, LLC · US

Inventors

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

Key dates

• Filing date: Apr 23, 2024
• Grant date: Jun 3, 2025
• Expiry date: Apr 23, 2044

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.