Patents by Inventor David Septimus
David Septimus has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Publication number: 20240143710Abstract: Methods, systems, and apparatuses are described herein for improving the accuracy of authentication questions using transaction limitations provided by users. A request for access to an account associated with a user may be received from a user device. An account restrictions database may be queried to determine one or more transaction rules associated with the account. The one or more transaction rules may have been created by the user and indicate limitations on financial transactions that may be performed via the account. An authentication question may be generated that is associated with a violation of the one or more transaction rules. The authentication question may be provided to the user device, and a response to the authentication question may be received. Access to the account may be provided to the user device based on the response.Type: ApplicationFiled: January 9, 2024Publication date: May 2, 2024Inventors: Viraj Chaudhary, David Septimus, Jenny Melendez, Samuel Rapowitz, Tyler Maiman, Joshua Edwards
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Publication number: 20240135379Abstract: Aspects described herein may allow for authenticating a user by generating a customized set of authentication questions based on patterns that are automatically detected and extracted from user data. The user data may include transaction data collected over a period of time. By automatically detecting user patterns that correspond to user behavior over a period of time, an authentication system may be able to generate information that is recognizable to an authentic user but difficult to guess or circumvent for any other user.Type: ApplicationFiled: January 2, 2024Publication date: April 25, 2024Inventors: Joshua Edwards, David Septimus, Samuel Rapowitz, Jenny Melendez, Tyler Maiman, Viraj Chaudhary
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Patent number: 11962602Abstract: Methods, systems, and apparatuses are described herein for improving computer authentication processes by using physical environment information. A computing device may receive video depicting a physical environment and process that video to identify one or more first objects. The computing device may receive a request for access to an account. The computing device may send a prompt for a physical environment description and receive, in response, an indication of one or more second objects. The indication of the one or more second objects may comprise video of the physical environment, a verbal description of the physical environment, and/or text describing the physical environment. The computing device may grant the user device access to the account based on comparing the one or more first objects to the one or more second objects.Type: GrantFiled: February 1, 2022Date of Patent: April 16, 2024Assignee: Capital One Services, LLCInventors: Viraj Chaudhary, Jenny Melendez, Tyler Maiman, Samuel Rapowitz, Joshua Edwards, David Septimus
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Patent number: 11960592Abstract: Methods, systems, and apparatuses are described herein for improving the security of personal information by preventing attempts at gleaning personal information from authentication questions. A computing device may receive a request for access to an account associated with a user. The request may comprise candidate authentication information. Based on comparing the candidate authentication information with the account data, the computing device may generate a synthetic authentication question. The synthetic authentication question may be generated as if the candidate authentication information is valid. A response to the synthetic authentication question may be received, and the request for access to the account may be denied.Type: GrantFiled: June 29, 2021Date of Patent: April 16, 2024Assignee: Capital One Services, LLCInventors: Tyler Maiman, Viraj Chaudhary, Samuel Rapowitz, Daniel Miller, David Septimus, Joshua Edwards
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Publication number: 20240119136Abstract: Methods, systems, and apparatuses are described herein for improving the accuracy of synthetic authentication questions by analyzing third party account data. A request for access to a first account associated with a user may be received. The first account may be managed by a first organization. A transactions database might be queried for first account data. Second account data corresponding to a second account associated with the user might be received. That second account may be managed by a second organization different from the first organization. One or more second transactions, unique to the second account, may be identified. A synthetic transaction, configured to be different from transactions in the first account and the one or more second transactions, may be generated. An authentication question may be generated based on the synthetic transaction. Access to the first account might be provided based on a response to the authentication question.Type: ApplicationFiled: December 19, 2023Publication date: April 11, 2024Inventors: Joshua Edwards, Vyjayanthi Vadrevu, Tyler Maiman, Viraj Chaudhary, Daniel Miller, David Septimus, Jenny Melendez, Samuel Rapowitz
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Patent number: 11954187Abstract: Aspects described herein may relate to techniques for detecting login activity to a financial account during a knowledge-based authentication process. The login activity may be related to access to an online interface for the financial account. The detection of login activity during the authentication process my indicate that the integrity of the authentication process is compromised as login access may provide an individual with transaction data that may be used to answer transaction-based authentication questions. As a result of detecting login activity, an alternative authentication process may be initiated or an authentication request related to the financial account may be denied.Type: GrantFiled: June 23, 2021Date of Patent: April 9, 2024Assignee: Capital One Services, LLCInventors: Joshua Edwards, Samuel Rapowitz, Jenny Melendez, David Septimus, Daniel Miller, Viraj Chaudhary, Tyler Maiman, Vyjayanthi Vadrevu
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Patent number: 11954192Abstract: Methods, systems, and apparatuses are described herein for improving computer authentication processes using vocal confidence processing. A request for access to an account may be received. An authentication question may be provided to a user. Voice data indicating one or more vocal utterances by the user in response to the authentication question may be received. The voice data may be processed, and a first confidence score that indicates a degree of confidence of the user when answering the authentication question may be determined. An overall confidence score may be modified based on the first confidence score. Based on determining that the overall confidence score satisfies a threshold, data preventing the authentication question from being used in future authentication processes may be stored. The data may be removed when a time period expires.Type: GrantFiled: June 16, 2021Date of Patent: April 9, 2024Assignee: Capital One Services, LLCInventors: Joshua Edwards, Tyler Maiman, David Septimus, Daniel Miller, Viraj Chaudhary, Samuel Rapowitz
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Publication number: 20240070669Abstract: Aspects discussed herein may relate to techniques for authenticating a user using transaction-based authentication questions. The transaction-based authentication questions may be provided to the user. The user may provide audible responses to the transaction-based authentication questions that may be captured by a smart device, such as an always on listening device. Authentication of the user may be based on voice analysis of the audible responses to the transaction-based authentication questions and/or based on the answers to the transaction-based authentication questions.Type: ApplicationFiled: September 6, 2023Publication date: February 29, 2024Inventors: Tyler Maiman, Daniel Miller, Jenny Melendez, Viraj Chaudhary, David Septimus, Joshua Edwards, Samuel Rapowitz
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Publication number: 20240062211Abstract: Methods, systems, and apparatuses are described herein for authenticating access to an account using questions which allow users to provide textual information about transactions conducted by an account. A machine learning model may be trained to predict the guessability of merchants. A request for access to an account may be received, and transaction data for that account may be received. An authentication question may be presented. For example, a user may be prompted to list places they have shopped recently. A user response comprising text data may be received. The text data may be processed to identify one or more merchants. If the one or more merchant(s) are represented in the transaction data, the machine learning model may be used to determine the guessability of the one or more merchants. An authentication score may be determined based on the guessability, and access to the account may be provided.Type: ApplicationFiled: August 31, 2023Publication date: February 22, 2024Inventors: Tyler Maiman, David Septimus, Samuel Rapowitz, Jenny Melendez, Viraj Chaudhary, Joshua Edwards
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Patent number: 11907343Abstract: Methods, systems, and apparatuses are described herein for improving the accuracy of authentication questions using transaction limitations provided by users. A request for access to an account associated with a user may be received from a user device. An account restrictions database may be queried to determine one or more transaction rules associated with the account. The one or more transaction rules may have been created by the user and indicate limitations on financial transactions that may be performed via the account. An authentication question may be generated that is associated with a violation of the one or more transaction rules. The authentication question may be provided to the user device, and a response to the authentication question may be received. Access to the account may be provided to the user device based on the response.Type: GrantFiled: May 7, 2021Date of Patent: February 20, 2024Assignee: Capital One Services, LLCInventors: Viraj Chaudhary, David Septimus, Jenny Melendez, Samuel Rapowitz, Tyler Maiman, Joshua Edwards
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Patent number: 11900377Abstract: Aspects described herein may allow for authenticating a user by generating a customized set of authentication questions based on patterns that are automatically detected and extracted from user data. The user data may include transaction data collected over a period of time. By automatically detecting user patterns that correspond to user behavior over a period of time, an authentication system may be able to generate information that is recognizable to an authentic user but difficult to guess or circumvent for any other user.Type: GrantFiled: July 1, 2021Date of Patent: February 13, 2024Assignee: Capital One Services, LLCInventors: Joshua Edwards, David Septimus, Samuel Rapowitz, Jenny Melendez, Tyler Maiman, Viraj Chaudhary
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Patent number: 11886570Abstract: Methods, systems, and apparatuses are described herein for improving the accuracy of synthetic authentication questions by analyzing third party account data. A request for access to a first account associated with a user may be received. The first account may be managed by a first organization. A transactions database might be queried for first account data. Second account data corresponding to a second account associated with the user might be received. That second account may be managed by a second organization different from the first organization. One or more second transactions, unique to the second account, may be identified. A synthetic transaction, configured to be different from transactions in the first account and the one or more second transactions, may be generated. An authentication question may be generated based on the synthetic transaction. Access to the first account might be provided based on a response to the authentication question.Type: GrantFiled: May 7, 2021Date of Patent: January 30, 2024Assignee: Capital One Services, LLCInventors: Joshua Edwards, Vyjayanthi Vadrevu, Tyler Maiman, Viraj Chaudhary, Daniel Miller, David Septimus, Jenny Melendez, Samuel Rapowitz
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Publication number: 20240013211Abstract: Methods, systems, and apparatuses are described herein for improving computer authentication processes through computer-based authentication in a manner that excludes P2P transactions from being presented in false options presented to users. A computing device may receive a request for access to an account from a user. The computing device may provide transaction data to a machine learning model. The computing device may receive one or more merchant names related to P2P transactions from the machine learning model. The computing device may generate a modified set of false merchant choices for the user by excluding merchants related to P2P transactions. An authentication question may be generated, and access to the account may be provided based on a response to the authentication question.Type: ApplicationFiled: July 5, 2022Publication date: January 11, 2024Inventors: Joshua Edwards, David Septimus, Jenny Melendez, Tyler Maiman, Samuel Rapowitz, Viraj Chaudhary
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Publication number: 20230421555Abstract: Methods, systems, and apparatuses are described herein for improving the accuracy of authentication questions using e-mail processing. A request for access to an account may be received from a user device. A plurality of organizations may be identified. One or more e-mail associated with the account may be identified. The e-mails may be processed to identify one or more organizations that correspond to transactions conducted by a user. A modified plurality of organizations may be generated by removing, from the plurality of organizations, the one or more organizations. An authentication question may be generated and provided to the user device. A response to the authentication question may be received, and the user device may be provided access based on the response.Type: ApplicationFiled: September 7, 2023Publication date: December 28, 2023Inventors: Viraj Chaudhary, Vyjayanthi Vadrevu, Tyler Maiman, David Septimus, Samuel Rapowitz, Jenny Melendez, Joshua Edwards
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Patent number: 11823197Abstract: Aspects described herein may allow for authenticating a user by generating a customized set of authentication questions based on spending patterns that are automatically detected and extracted from user data. The user data may include transaction data collected over a period of time that may indicate the types of merchants that a user frequently transacts with. By automatically detecting user patterns that correspond to user behavior over a period of time, an authentication system may be able to generate authentication questions about those spending patterns that are easily answerable to an authentic user but difficult to guess or circumvent for any other user.Type: GrantFiled: July 27, 2021Date of Patent: November 21, 2023Assignee: Capital One Services, LLCInventors: Joshua Edwards, Vyjayanthi Vadrevu, Tyler Maiman, Daniel Miller, David Septimus, Samuel Rapowitz, Viraj Chaudhary, Jenny Melendez
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Publication number: 20230336662Abstract: Disclosed embodiments may include a method for authenticating calls for a call center where the user can authenticate before or after starting a call to a call center using an application on a user device. The system determines what level of authentication is necessary depending on the task the user wants to accomplish during the call. The system may direct the user to provide credentials, such as a username and password, for some tasks. Other tasks may require the user to verify their financial card by taking a photo of their financial card or tapping their financial card to their device and allow the device to interact with the financial card using NFC technology. Once appropriately authenticated, the system then allows the user to make a call to the call center and also sends a signal to the call center that the user has been previously authenticated.Type: ApplicationFiled: April 19, 2022Publication date: October 19, 2023Inventors: Jenny Melendez, Samuel Rapowitz, Daniel E. Miller, Tyler Maiman, Viraj Chaudhary, Joshua Edwards, David Septimus
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Patent number: 11785007Abstract: Methods, systems, and apparatuses are described herein for improving the accuracy of authentication questions using e-mail processing. A request for access to an account may be received from a user device. A plurality of organizations may be identified. One or more e-mail associated with the account may be identified. The e-mails may be processed to identify one or more organizations that correspond to transactions conducted by a user. A modified plurality of organizations may be generated by removing, from the plurality of organizations, the one or more organizations. An authentication question may be generated and provided to the user device. A response to the authentication question may be received, and the user device may be provided access based on the response.Type: GrantFiled: May 7, 2021Date of Patent: October 10, 2023Assignee: Capital One Services, LLCInventors: Viraj Chaudhary, Vyjayanthi Vadrevu, Tyler Maiman, David Septimus, Samuel Rapowitz, Jenny Melendez, Joshua Edwards
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Patent number: 11783334Abstract: Aspects discussed herein may relate to techniques for authenticating a user using transaction-based authentication questions. The transaction-based authentication questions may be provided to the user. The user may provide audible responses to the transaction-based authentication questions that may be captured by a smart device, such as an always on listening device. Authentication of the user may be based on voice analysis of the audible responses to the transaction-based authentication questions and/or based on the answers to the transaction-based authentication questions.Type: GrantFiled: December 2, 2021Date of Patent: October 10, 2023Assignee: Capital One Services, LLCInventors: Tyler Maiman, Daniel Miller, Jenny Melendez, Viraj Chaudhary, David Septimus, Joshua Edwards, Samuel Rapowitz
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Patent number: 11775973Abstract: Methods, systems, and apparatuses are described herein for authenticating access to an account using questions which allow users to provide textual information about transactions conducted by an account. A machine learning model may be trained to predict the guessability of merchants. A request for access to an account may be received, and transaction data for that account may be received. An authentication question may be presented. For example, a user may be prompted to list places they have shopped recently. A user response comprising text data may be received. The text data may be processed to identify one or more merchants. If the one or more merchant(s) are represented in the transaction data, the machine learning model may be used to determine the guessability of the one or more merchants. An authentication score may be determined based on the guessability, and access to the account may be provided.Type: GrantFiled: July 28, 2021Date of Patent: October 3, 2023Assignee: Capital One Services, LLCInventors: Tyler Maiman, David Septimus, Samuel Rapowitz, Jenny Melendez, Viraj Chaudhary, Joshua Edwards
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Publication number: 20230273981Abstract: Methods, systems, and apparatuses are described herein for improving computer authentication processes through excluding fraudulent transactions in transaction-based authentication. A computing device may receive a request for access to an account from a user. The computing device may provide transaction data to a machine learning model. The computing device may receive data indicating a confidence threshold associated with the user from the machine learning model. The computing device may generate a modified set of merchant choices for the user by excluding merchants related to potentially fraudulent transactions within a predetermined time period. An authentication question may be generated, and access to the account may be provided based on a response to the authentication question.Type: ApplicationFiled: February 28, 2022Publication date: August 31, 2023Inventors: Samuel Rapowitz, Viraj Chaudhary, Joshua Edwards, David Septimus, Tyler Maiman, Daniel E. Miller