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    ACCOUNT AUTHENTICATION USING SYNTHETIC MERCHANTS
    1.
    发明公开
    ACCOUNT AUTHENTICATION USING SYNTHETIC MERCHANTS 审中-公开

    公开(公告)号：EP4109307A1

    公开(公告)日：2022-12-28

    申请号：EP22180572.4

    申请日：2022-06-22

    申请人： Capital One Services, LLC

    发明人： EDWARDS, Joshua ,  MELENDEZ, Jenny ,  MAIMAN, Tyler ,  SEPTIMUS, David ,  CHAUDHARY, Viraj ,  RAPOWITZ, Samuel ,  MILLER, Daniel

    IPC分类号： G06F21/31

    摘要： Methods, systems, and apparatuses are described herein for improving computer authentication processes through the generation of synthetic merchants. A plurality of different real merchant names may be received. The plurality of different real merchant names may be processed to determine one or more name elements. A request for access to an account associated with a user may be received. Based on the one or more name elements, one or more synthetic merchant names may be generated. Based on the one or more synthetic merchant names, synthetic transaction data may then be generated. A synthetic authentication question may be generated and presented to a user. A candidate response to the synthetic authentication question may be received. Based on the candidate response, access to the account may be provided.

    METHOD FOR DETERMINING THE LIKELIHOOD FOR SOMEONE TO REMEMBER A PARTICULAR TRANSACTION
    3.
    发明公开
    METHOD FOR DETERMINING THE LIKELIHOOD FOR SOMEONE TO REMEMBER A PARTICULAR TRANSACTION 审中-公开

    公开(公告)号：EP4075364A1

    公开(公告)日：2022-10-19

    申请号：EP22168425.1

    申请日：2022-04-14

    申请人： Capital One Services, LLC

    发明人： RAPOWITZ, Samuel ,  CHAUDHARY, Viraj ,  AZNAURASHVILI, Zviad

    IPC分类号： G06Q20/40

    摘要： Aspects described herein may use a machine learning model to identify transactions likely to be remembered by a user and that may be used to generate challenge questions to authenticate the user. An individual may request an action related to a financial account. In response to the request, the machine learning model may determine a likelihood an authorized user of the financial account will remember one or more recent transactions. The likelihood of each candidate transaction may be compared to a predetermined threshold to determine a subset of recent transactions. Information relating to the subset of recent transactions may be used to generate one or more challenge questions to pose to the user. The user's responses to the challenge questions may be used to evaluate whether the user is the authorized user of the financial account or is a fraudster or imposter.