Invention Grant
- Patent Title: User authentication based on a user interaction associated with a transaction
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Application No.: US16777174Application Date: 2020-01-30
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Publication No.: US11562365B2Publication Date: 2023-01-24
- Inventor: Michael Mossoba , Abdelkader M'Hamed Benkreira , Joshua Edwards
- Applicant: Capital One Services, LLC
- Applicant Address: US VA McLean
- Assignee: Capital One Services, LLC
- Current Assignee: Capital One Services, LLC
- Current Assignee Address: US VA McLean
- Agency: Harrity & Harrity, LLP
- Main IPC: G06Q20/40
- IPC: G06Q20/40 ; H04L9/40

Abstract:
An example fraud analysis platform may receive timing information associated with a user interaction during a transaction, wherein the user interaction is associated with a user engaging in a transaction using a transaction account and a transaction device to access the transaction account. The fraud analysis platform may generate, based on the timing information, a transaction interaction signature associated with the user interaction. The fraud analysis platform may compare the transaction interaction signature to a reference signature associated with an authorized user of a transaction account. The fraud analysis platform may determine, based on the transaction interaction signature being associated with the reference signature, that the user interaction was performed by the authorized user of the transaction account. The fraud analysis platform may perform, based on determining that the user interaction was performed by the authorized user, an action associated with the transaction or transaction account.
Public/Granted literature
- US20210241276A1 USER AUTHENTICATION BASED ON A USER INTERACTION ASSOCIATED WITH A TRANSACTION Public/Granted day:2021-08-05
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