Using proof of purchase for multifactor authentication

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 12086875
APP PUB NO 20240005396A1
SERIAL NO

18370442

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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Multifactor authentication techniques described herein may allow a user to submit a recent proof of purchase as a part of a multifactor authentication process to access an account associated with a financial institution. As part of the login process, the user may submit a proof of purchase associated with a transaction. The financial institution may determine information associated with the transaction, such as a merchant associated with the proof of purchase, a time of the transaction, the last four numbers of the transaction card used, a dollar amount, or any combination thereof. If the information matches one or more records in the transaction history of the user's account, the financial institution may authenticate the user and provide access to the account. In this way, the financial institution may leverage transaction history known to the financial institution and the user to authenticate the user.

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Patent Owner(s)

Patent OwnerAddress
CAPITAL ONE SERVICES LLC1680 CAPITAL ONE DRIVE MCLEAN VA 22102

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Benkreira, Abdelkader M'Hamed Washington, US 239 462
Edwards, Joshua Philadelphia, US 831 1697
Mossoba, Michael Great Falls, US 596 1240

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3.5 Year Payment $1600.00 $800.00 $400.00 Mar 10, 2028
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