US 11,900,377 B2
Authenticating based on behavioral transactional patterns
Joshua Edwards, Philadelphia, PA (US); David Septimus, New York, NY (US); Samuel Rapowitz, Roswell, GA (US); Jenny Melendez, Falls Church, VA (US); Tyler Maiman, Melville, NY (US); and Viraj Chaudhary, Katy, TX (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Jul. 1, 2021, as Appl. No. 17/365,642.
Prior Publication US 2023/0004973 A1, Jan. 5, 2023
Int. Cl. G06Q 20/40 (2012.01); G06N 20/00 (2019.01); G06F 18/23213 (2023.01); G06Q 20/32 (2012.01)
CPC G06Q 20/4014 (2013.01) [G06F 18/23213 (2023.01); G06N 20/00 (2019.01); G06Q 20/3224 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
receiving, from a user device, a request for access to an account associated with a user;
retrieving transaction data for the account, wherein the transaction data indicates a plurality of transactions;
generating, based on the transaction data, for each transaction of the plurality of transactions, machine learning inputs;
providing the machine learning inputs to a machine learning algorithm to yield one or more machine learning outputs;
generating, based on the one or more machine learning outputs, a spending pattern associated with the user;
determining a deviation between:
the spending pattern associated with the user, and
a spending pattern for an average user;
generating, based on the deviation, a question to authenticate the user;
receiving, from the user device, a response to the question; and
providing, to the user device and based on the response to the question, access to the account.