US 12,010,110 B2
Account authentication using synthetic merchants
Joshua Edwards, Philadelphia, PA (US); Jenny Melendez, Falls Church, VA (US); Tyler Maiman, Melville, NY (US); David Septimus, New York, NY (US); Viraj Chaudhary, Katy, TX (US); Samuel Rapowitz, Roswell, GA (US); and Daniel Miller, Astoria, NY (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Jun. 22, 2021, as Appl. No. 17/354,053.
Prior Publication US 2022/0407847 A1, Dec. 22, 2022
Int. Cl. H04L 29/06 (2006.01); G06F 21/62 (2013.01); H04L 9/40 (2022.01)
CPC H04L 63/083 (2013.01) [G06F 21/6245 (2013.01); H04L 63/107 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computing device comprising:
one or more processors; and
memory storing instructions that, when executed by the one or more processors, cause the computing device to:
receive, from a merchants database, a plurality of different real merchant names;
process the plurality of different real merchant names to determine one or more name elements;
receive, from a user device, a request for access to an account associated with a user;
generate, based on the one or more name elements and based on a location associated with the account, one or more synthetic merchant names by:
providing, as input to a trained machine learning model, the one or more synthetic merchant names, wherein the trained machine learning model is trained to predict a believability of merchant names; and
receiving, as output from the trained machine learning model, a predicted believability of the one or more synthetic merchant names;
generate, based on the one or more synthetic merchant names, synthetic transaction data that indicates a financial transaction conducted by the account and associated with at least one of the one or more synthetic merchant names;
generate, based on the synthetic transaction data, a synthetic authentication question;
cause presentation, to the user, of the synthetic authentication question;
receive a candidate response to the synthetic authentication question; and
provide, based on the candidate response, the user device access to the account.