US 12,149,527 B2
Methods and systems for verifying an identity of a user through contextual knowledge-based authentication
Matt Davis, Arlington, VA (US); Pranav Khanna, Falls Church, VA (US); and Paul Melby, McLean, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Sep. 19, 2022, as Appl. No. 17/933,140.
Application 17/933,140 is a continuation of application No. 17/010,640, filed on Sep. 2, 2020, granted, now 11,496,465.
Application 17/010,640 is a continuation of application No. 16/845,546, filed on Apr. 10, 2020, granted, now 10,812,478, issued on Oct. 20, 2020.
Prior Publication US 2023/0008170 A1, Jan. 12, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 29/06 (2006.01); G06F 21/31 (2013.01); G06F 21/34 (2013.01); G06F 21/40 (2013.01); G06F 21/42 (2013.01); H04L 9/40 (2022.01)
CPC H04L 63/0853 (2013.01) [G06F 21/31 (2013.01); G06F 21/34 (2013.01); G06F 21/40 (2013.01); G06F 21/42 (2013.01)] 18 Claims
OG exemplary drawing
 
1. A system for verifying an identity of a user through contextual knowledge-based authentication, the system comprising:
memory configured to store a user profile and user profiles for a plurality of other users; and
control circuitry configured to:
receive, from a remote device, a query to generate a first verification question for a user;
select a first scenario from (i) the user profile for the user and (ii) the user profiles for the plurality of the other users based on a number of the plurality of the other users having stored values for the first scenario being within a threshold number;
determine a first likelihood, of a first value for the first scenario, with respect to a plurality of other values associated with other users in the first scenario, wherein (i) the first value represents a first behavior of the user in the first scenario, (ii) the first behavior of the user in the first scenario corresponds to a transaction of the user, (iii) the plurality of other values represents a respective behavior of the plurality of other users in the first scenario, and (iv) the respective behavior of the plurality of other users in the first scenario corresponds to a respective transaction of the plurality of other users;
in response to the first likelihood being within a threshold range of likelihoods, generate the first verification question for the user based on the first value;
determine a second likelihood, of a second value for a second scenario, with respect to a plurality of other values associated with the plurality of other users in the second scenario, wherein the second value represents a second behavior of the user in the second scenario, and wherein the plurality of other values associated with the plurality of other users in the second scenario represents a respective behavior of the other users in the second scenario;
in response to the second likelihood being within the threshold range of likelihoods, generating a second verification question for the user based on the second value;
in response to a combined likelihood of (i) the first likelihood and (ii) the second likelihood failing to correspond to a threshold combined likelihood, generating a third verification question; and
transmitting the third verification question for display on the remote device.