公开(公告)号：US11861613B2

公开(公告)日：2024-01-02

申请号：US17494750

申请日：2021-10-05

申请人： Capital One Services, LLC

发明人： James Holt Crews, Jr. ,  Cruz Vargas ,  Viraj Chaudhary

IPC分类号： G06Q20/40

CPC分类号： G06Q20/401

摘要： A system may receive transaction information associated with a transaction, the transaction information comprising an account number associated with a first user. The system may determine whether the transaction is associated with a second user. Responsive to determining the transaction is associated with the second user, the system may transmit a first prompt to a first user device associated with the first user, the first prompt comprising a request to confirm or deny the transaction. The system may receive, via the first user device, a first user selection confirming the transaction. Responsive to receiving the first user selection, the system may determine whether the transaction exceeds a predetermined threshold. Responsive to determining the transaction exceeds the predetermined threshold, the system may transmit a second prompt to the first user device, the second prompt comprising a recommendation to designate the second user as an authorized user of the account number.