US 12,438,721 B2
Systems and methods for leveraging offline virtual authentication tokens
Lawrence Douglas, McLean, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Dec. 20, 2023, as Appl. No. 18/391,441.
Prior Publication US 2025/0211440 A1, Jun. 26, 2025
Int. Cl. H04L 9/32 (2006.01)
CPC H04L 9/3213 (2013.01) [H04L 9/3226 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system for leveraging offline virtual authentication tokens during periods of inaccessible network connectivity, comprising:
one or more processors; and
one or more non-transitory, computer-readable media storing instructions that when executed by the one or more processors cause operations comprising:
storing a plurality of offline virtual authentication tokens associated with a user account;
receiving, from a token reader, an authentication request for obtaining resources associated with the user account, wherein the authentication request comprises activity data, and wherein the activity data comprises location data;
in response to receiving the authentication request, detecting inaccessible network connectivity to determine the system is offline;
in response to determining the system is offline, requesting an authentication code from a user;
determining whether the authentication code received from the user is valid;
in response to determining that the authentication code is valid, selecting an offline virtual authentication token from the plurality of stored offline virtual authentication tokens associated with the user account;
generating a new authentication token based on the selected offline virtual authentication token; and
transmitting the new authentication token to the token reader in response to receiving the authentication request.