US 12,229,231 B2
Generation of authentication questions based on user-created transaction limitations
Viraj Chaudhary, Katy, TX (US); David Septimus, New York, NY (US); Jenny Melendez, Falls Church, VA (US); Samuel Rapowitz, Roswell, GA (US); Tyler Maiman, Melville, NY (US); and Joshua Edwards, Philadelphia, PA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Jan. 9, 2024, as Appl. No. 18/407,802.
Application 18/407,802 is a continuation of application No. 17/314,683, filed on May 7, 2021, granted, now 11,907,343.
Prior Publication US 2024/0143710 A1, May 2, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06F 21/31 (2013.01); G06F 16/2455 (2019.01); G06F 21/00 (2013.01); G06F 21/60 (2013.01); G06N 3/08 (2023.01); G06Q 40/02 (2023.01)
CPC G06F 21/31 (2013.01) [G06F 16/24564 (2019.01); G06F 21/604 (2013.01); G06N 3/08 (2013.01); G06Q 40/02 (2013.01); G06F 2221/2103 (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;
based on determining that a quantity of one or more user-created transaction rules satisfy a threshold, determining one or more simulated transaction rules for the account by:
providing, as input to a trained machine learning model, metadata corresponding to the account, wherein the trained machine learning model is trained based on a plurality of different accounts; and
receiving, as output from the trained machine learning model and based on the input, the one or more simulated transaction rules, wherein the simulated one or more transaction rules indicate limitations on financial transactions that may be performed via the account; and
providing the user device access to the account based on a response to an authentication question that indicates a violation of the one or more simulated transaction rules.