US 11,997,082 B2
Computer-based systems configured for one-time passcode (OTP) protection and methods of use thereof
Asher Smith-Rose, Arlington, VA (US); Lin Ni Lisa Cheng, New York, NY (US); Shabnam Kousha, Washington, DC (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 May 26, 2023, as Appl. No. 18/324,500.
Application 18/324,500 is a continuation of application No. 17/487,266, filed on Sep. 28, 2021, granted, now 11,706,211.
Prior Publication US 2023/0300126 A1, Sep. 21, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 9/40 (2022.01); H04L 41/22 (2022.01); H04W 12/06 (2021.01)
CPC H04L 63/0838 (2013.01) [H04L 41/22 (2013.01); H04L 63/0846 (2013.01); H04L 63/1416 (2013.01); H04L 63/1483 (2013.01); H04L 63/20 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method for utilizing machine learning for one-time password (OTP) protection comprising:
receiving, by one or more processors, from a computing device associated with a user, an indication of at least one one-time passcode (OTP) data item including particular OTP and a time duration of validity of the particular OTP;
utilizing, by the one or more processors, a trained OTP protection machine learning model to determine one or more phone numbers as presenting a security risk with respect to the at least one OTP data item based at least in part on the particular OTP;
instructing, by the one or more processors, the computing device to update a contact list with an indication that the one or more phone numbers present a security risk with regard to the particular OTP during the time duration of validity of the particular OTP; and
instructing, by the one or more processors, the computing device to commence at least one security measure for an incoming call from the one or more phone numbers during the time duration, based at least in part on the updated contact list.