US 11,687,939 B2
Fraud prevention systems and methods for selectively generating virtual account numbers
Kelly Jo Earl Brown, Rockville, MD (US); and Noble Ozoka, Richmond, VA (US)
Assigned to CAPITAL ONE SERVICES, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Feb. 9, 2021, as Appl. No. 17/171,034.
Prior Publication US 2022/0253855 A1, Aug. 11, 2022
Int. Cl. G06Q 20/40 (2012.01)
CPC G06Q 20/4016 (2013.01) [G06Q 20/4014 (2013.01); G06Q 20/4015 (2020.05)] 18 Claims
OG exemplary drawing
 
1. A system for determining when to generate a one-time use number for use in an online transaction, comprising:
one or more processors; and
a memory in communication with the one or more processors and storing first instructions configured to cause the system to:
receive first identifying information associated with a first user from a computing device, wherein the first identifying information comprises a first user device location;
determine a score based on the first identifying information;
determine whether the score is less than a threshold, wherein the threshold is set by one or more machine learning models based on an analysis of preventing fraud, a number of customers prevented from conducting transactions, and previous risk assessments for prior transactions;
when the score is less than the threshold, pseudo-randomly generate and transmit the one-time use number to the computing device;
when the score is greater than or equal to the threshold:
transmit, to the computing device, second instructions prompting the first user to provide second identifying information; and
responsive to receiving the second identifying information of the first user:
determine that the second identifying information matches stored second identifying information; and
responsive to the second identifying information matching stored second identifying information, pseudo-randomly generate and transmit the one-time use number to the computing device.