US 12,282,922 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 Jan. 2, 2024, as Appl. No. 18/402,394.
Application 18/402,394 is a continuation of application No. 17/365,642, filed on Jul. 1, 2021, granted, now 11,900,377.
Prior Publication US 2024/0135379 A1, Apr. 25, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06F 18/23213 (2023.01); G06N 20/00 (2019.01); 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:
retrieving transaction data for an account associated with a user, wherein the transaction data indicates a plurality of transactions;
determining, based on the plurality of transactions and using a machine learning model, 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; and
providing, to a user device and based on a response to the question, access to the account.