US 11,689,538 B2
Methods and systems for authentication for high-risk communications
Nathaniel McKinnon, Henrico, VA (US); and Jeremy Phillips, Brooklyn, NY (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Oct. 28, 2020, as Appl. No. 17/83,161.
Prior Publication US 2022/0131870 A1, Apr. 28, 2022
Int. Cl. H04L 29/06 (2006.01); H04L 9/40 (2022.01); G06F 16/23 (2019.01); G06F 16/28 (2019.01); H04L 9/32 (2006.01)
CPC H04L 63/105 (2013.01) [G06F 16/2379 (2019.01); G06F 16/285 (2019.01); H04L 9/3226 (2013.01); H04L 63/1433 (2013.01)] 20 Claims
OG exemplary drawing
 
1. An authentication method, comprising:
receiving a request to perform an interaction from a first device of a user;
assigning a risk status to the request;
transmitting a notification communication to the first device to prompt an authentication interaction between a second device of the user and a remote authentication system;
monitoring interaction data from an interaction network for authentication interaction information generated from the prompted authentication interaction;
identifying, from the monitored interaction data, the authentication interaction information, the authentication interaction information including a coded sequence and a predetermined authentication identifier, the coded sequence generated by the remote authentication system based at least in part on the second device;
comparing the coded sequence in the authentication interaction information to an expected coded sequence; and
transmitting a verification communication after determining the coded sequence in the authentication interaction information matches the expected coded sequence, the match indicating the second device is authentic.