US 12,147,522 B2
Alternative identity verification and authorization method
Lin Ni Lisa Cheng, New York, NY (US); Asher Smith-Rose, Arlington, VA (US); Tyler Maiman, Melville, NY (US); Shabnam Kousha, Washington, DC (US); and Joshua Edwards, Philadelphia, PA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Nov. 18, 2021, as Appl. No. 17/530,130.
Prior Publication US 2023/0153415 A1, May 18, 2023
Int. Cl. G06F 21/34 (2013.01); G06F 21/32 (2013.01); G06F 21/45 (2013.01); G06N 20/00 (2019.01)
CPC G06F 21/34 (2013.01) [G06F 21/32 (2013.01); G06F 21/45 (2013.01); G06N 20/00 (2019.01); G06F 2221/2113 (2013.01)] 16 Claims
OG exemplary drawing
 
1. A system for increasing security and decreasing unauthorized account access by utilizing SMS metadata and emoji as a basis for identity verification in response to an authorization request while cellular data or Wi-Fi is not available, comprising:
one or more processors and memory comprising instructions that, when executed by the one or more processors, cause the system to:
receive, from a device associated with a user having a secure account, a response key created by the user, wherein the response key comprises a preselected set of content-based responses to be used to authenticate the user, wherein the preselected set of content-based responses comprises preselected SMS metadata, one or more preselected emojis, preselected photo metadata, preselected video metadata, and preselected audio metadata;
generate and send a message to the device based on an initiated request from the user and a determination the user should be authenticated, wherein the message requests a content-based response from the user to authenticate the user;
receive the content-based response from the user in reply to the message, wherein the content-based response comprises at least one of short message service (SMS) metadata, an emoji, photo metadata, video metadata, or audio metadata;
determine a confirmed match between the content-based response from the user and the response key, wherein one or more machine learning models are trained to compare the at least one of the SMS metadata, the emoji, the photo metadata, the video metadata, or the audio metadata to the preselected set of content-based responses comprising the preselected SMS metadata, the one or more preselected emojis, the preselected photo metadata, the preselected video metadata, and the preselected audio metadata to determine the confirmed match; and
authenticate the user based on the determination of the confirmed match.