US 11,948,150 B1
Computer-based systems and/or computing devices programmed for instant issuance of a replacement physical access instrument; and methods of use thereof
Srinivasa Chigurupati, Long Grove, IL (US); and Kevin Osborn, Newton Highlands, MA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Oct. 21, 2022, as Appl. No. 17/971,004.
Int. Cl. G06Q 20/40 (2012.01)
CPC G06Q 20/4012 (2013.01) 20 Claims
OG exemplary drawing
 
1. A method, comprising:
receiving, by at least one processor, an activity data associated with a user;
wherein the activity data comprises at least two user activity profiles;
wherein a first user activity profile of the at least two user activity profiles is associated with:
a) a first profile identifier, and
b) a first physical access instrument,
 wherein the first physical access instrument comprises a first security measure;
receiving, by the at least one processor, a user request, via a graphical user interface, to replace the first physical access instrument;
receiving, by the at least one processor, in response to the user request to replace the first physical access instrument, an authentication request to authenticate an identity of the user;
generating, by the at least one processor, at least one security challenge to identify the user;
wherein in the at least one security challenge is based at least in part on a second user activity profile of the at least two user activity profiles;
establishing, by the at least one processor, a communication link with a physical access instrument generation module;
utilizing, by the at least one processor, the communication link to instruct the physical access instrument generation module, to display the authentication request to the user;
receiving, by the at least one processor, at least one security response to the at least one security challenge from the physical access instrument generation module;
wherein the at least one security response comprises a second profile identifier associated with a second physical access instrument;
authenticating, by the at least one processor, the user based on the at least one security response;
generating, by the at least one processor, a third profile identifier to replace the first profile identifier;
updating, by the at least one processor, the activity data to include the third profile identifier;
instructing, by the at least one processor, the physical access instrument generation module to generate and dispense a third physical access instrument associated with the first user activity profile;
wherein the third physical access instrument includes:
a) the third profile identifier, and
b) a second security measure that is different from the first security measure;
wherein the physical access instrument generation module comprises a plurality of blank physical access instruments.