US 12,363,090 B2
Account authentication excluding merchants based on merchant logos
Tyler Maiman, Melville, NY (US); Viraj Chaudhary, Katy, TX (US); Joshua Edwards, Philadelphia, PA (US); Jenny Melendez, Falls Church, VA (US); Samuel Rapowitz, Roswell, GA (US); Daniel Miller, Brooklyn, NY (US); and David Septimus, New York, NY (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on May 17, 2024, as Appl. No. 18/666,994.
Application 18/666,994 is a continuation of application No. 17/461,025, filed on Aug. 30, 2021, granted, now 12,028,325.
Prior Publication US 2024/0305619 A1, Sep. 12, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06F 7/04 (2006.01); G06F 15/16 (2006.01); G06F 18/22 (2023.01); G06F 40/295 (2020.01); G06N 5/04 (2023.01); G06Q 30/0201 (2023.01); G10L 25/51 (2013.01); H04L 9/40 (2022.01); H04L 29/06 (2006.01)
CPC H04L 63/08 (2013.01) [G06F 18/22 (2023.01); G06F 40/295 (2020.01); G06N 5/04 (2013.01); G06Q 30/0201 (2013.01); G10L 25/51 (2013.01); H04L 63/102 (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 a request, from a user device, for access to an account;
generate, based on transactions data indicating one or more transactions corresponding to the account, a candidate merchant list for generating authentication questions for the user device for access to the account;
modify, based on at least one similarity between a first merchant and a second merchant, the candidate merchant list by removing the first merchant from the candidate merchant list, wherein the at least one similarity relates to a similarity between a first logo of the first merchant and a second logo of the second merchant;
generate, based on the modified candidate merchant list, an authentication question;
receive a candidate response to the authentication question; and
provide, based on the candidate response, the user device access to the account.