US 12,242,592 B2
User presence detection for authentication question generation
Samuel Rapowitz, Roswell, GA (US); Tyler Maiman, Melville, NY (US); Joshua Edwards, Philadelphia, PA (US); Viraj Chaudhary, Katy, TX (US); Daniel Miller, Brooklyn, NY (US); David Septimus, New York, NY (US); and Jenny Melendez, Falls Church, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Mar. 13, 2024, as Appl. No. 18/603,810.
Application 18/603,810 is a continuation of application No. 17/368,035, filed on Jul. 6, 2021, granted, now 12,019,732.
Prior Publication US 2024/0211585 A1, Jun. 27, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06F 21/45 (2013.01); H04L 9/40 (2022.01)
CPC G06F 21/45 (2013.01) [H04L 63/102 (2013.01); G06F 2221/2103 (2013.01); G06F 2221/2111 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
receiving, by a computing device, from a user device associated with a user account, location data indicating a plurality of locations of the user device at different times;
tagging, by the computing device, at least a subset of a plurality of transactions associated with the user account with an indication that a user was present for a respective transaction by:
determining a location of a merchant associated with the respective transaction; and
determining whether the user device was near the location of the merchant at a time of the respective transaction by:
determining that the location data indicates a location of the user device at a different time; and
estimating, based on a difference between the time of the respective transaction and the different time, and based on a distance between the location of the merchant and the location of the user device at the different time, whether the user was likely near the location of the merchant at the time of the respective transaction;
if the user device was near the location of the merchant at the time of the respective transaction, tagging the transaction with the indication that the user was present for the respective transaction; and
providing access to the user account based on responses to a plurality of authentication questions generated based on the subset of the plurality of transactions.