US 12,282,905 B2
Method and system for large transfer authentication
Abdelkader M'Hamed Benkreira, New York, NY (US); Joshua Edwards, Philadelphia, PA (US); and Michael Mossoba, Arlington, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Oct. 30, 2020, as Appl. No. 17/085,277.
Application 17/085,277 is a continuation of application No. 16/199,770, filed on Nov. 26, 2018, granted, now 10,825,003.
Prior Publication US 2021/0049568 A1, Feb. 18, 2021
Int. Cl. G06Q 40/00 (2023.01); G06Q 20/10 (2012.01); G06Q 20/32 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/1085 (2013.01) [G06Q 20/3224 (2013.01); G06Q 20/4012 (2013.01); G06Q 20/40145 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method of authenticating a transfer request, comprising:
receiving, by a server system over a network, a transfer request from a client device, the transfer request comprising an originating account, a target account, and a monetary amount to be transferred from the originating account to the target account;
determining, by the server system, that the monetary amount specified in the transfer request exceeds a threshold amount;
based on the determining, initiating, by the server system, an authentication process to verify the transfer request, comprising:
interfacing with geolocation module of the client device to identify a current location of the client device;
identifying an automated teller machine (ATM) proximate to the client device based on the current location of the client device; and
prompting a user of the client device to authenticate the transfer request at the identified ATM by transferring a message to the client device for displayed thereon;
receiving, by the server system over a further network from the ATM, an authentication attempt of the user;
determining, by the server system, that the authentication attempt is valid; and
based on determining that the authentication attempt is valid, processing, by the server system, the transfer request initiated at the client device.