US 12,443,961 B2
Fraud prevention systems and methods for selectively generating virtual account numbers
Kelly Jo Earl Brown, Rockville, MD (US); and Noble Ozoka, Richmond, VA (US)
Assigned to CAPITAL ONE SERVICES, LLC, Mclean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on May 12, 2023, as Appl. No. 18/317,027.
Application 18/317,027 is a continuation of application No. 17/171,034, filed on Feb. 9, 2021, granted, now 11,687,939.
Prior Publication US 2023/0281631 A1, Sep. 7, 2023
Int. Cl. G06Q 20/40 (2012.01)
CPC G06Q 20/4016 (2013.01) [G06Q 20/4014 (2013.01); G06Q 20/4015 (2020.05)] 20 Claims
OG exemplary drawing
 
1. A system comprising:
one or more processors; and
a memory in communication with the one or more processors and storing first instructions configured to cause the system to:
receive, via autofill software running on a computing device, first identifying information associated with a first user, the first identifying information comprising at least one or more of global positioning system information and an internet protocol address;
determine a score based on the first identifying information;
set, using one or more machine learning models, a first threshold based on previous risk assessments for prior transactions;
determine whether the score is less than the first threshold;
when the score is less than the first threshold, generate and transmit a one-time use number to the autofill software running on the computing device to automatically provide the one-time use number to a merchant website, wherein the one-time use number comprises a virtual account number that is linked to the first user's credit card account or debit account;
when the score is greater than or equal to the first threshold:
receive second identifying information associated with the first user, wherein the second identifying information comprises a selfie photograph;
determine that the second identifying information corresponds to stored second identifying information comprising a stored selfie photograph by comparing, using a convolutional neural network, the selfie photograph to the stored selfie photograph; and
responsive to the second identifying information corresponding to the stored second identifying information within a second threshold, generate and transmit the one-time use number to the autofill software running on the computing device to automatically provide the one-time use number to the merchant website.