US 12,476,965 B2
Identification card based multi-factor authentication
Joshua Edwards, Philadelphia, PA (US); Justin Anthony Bowers, Richmond, VA (US); Lea Cody, Washington, DC (US); Elaina Teramoto, McLean, VA (US); Tyler Maiman, Melville, NY (US); Mary Sweeney, Wilmington, DE (US); Erik Neighbour, Arlington, VA (US); and Anantha Swarna Kavi, Clarksburg, MD (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Feb. 7, 2024, as Appl. No. 18/435,351.
Prior Publication US 2025/0254158 A1, Aug. 7, 2025
Int. Cl. H04L 9/40 (2022.01); G06N 3/084 (2023.01)
CPC H04L 63/0853 (2013.01) [G06N 3/084 (2013.01); H04L 63/0861 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system for providing cryptographically-secure access to an authorized user account, the system comprising:
one or more processors programmed using computer program instructions to:
receive a request to access an authorized user account of a user;
retrieve user interaction data associated with the authorized user account, wherein the user interaction data comprises prior interactions of the user with a set of entities;
obtain a list of entities that are known to issue physical user identification cards, wherein the list of entities includes at least one of the set of entities;
predict, using a trained artificial intelligence model, based on the request, the user interaction data, and the list of entities, a physical user identification card associated with an entity from the set of entities that the user is predicted to currently carry on their person;
identify, based on the authorized user account, a user device of the user to provide authentication instructions;
send the authentication instructions to the user device, the authentication instructions comprising instructions to capture an image of the physical user identification card using the user device;
calculate, using a trained computer vision model, a user identification card score indicating a likelihood that the image depicts a real instance of the physical user identification card of the user for which the user is predicted to currently carry on their person;
provide, based on the user identification card score being greater than or equal to a threshold confidence score indicating that the image depicts the real instance of the physical user identification card of the user, access to the authorized user account of the user.