Patents by Inventor Michelle KELO

Michelle KELO 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).

  • REAL-TIME SELECTION OF AUTHENTICATION PROCEDURES BASED ON RISK ASSESSMENT
    Publication number: 20220027919
    Abstract: A device may receive, from a server device, a real-time notification indicating that a field of a user account is being modified. The field may include personal information of a user associated with the user account and/or information identifying authorized users of the user account. The device may receive, from a user device, a request associated with a high-risk transaction involving the user account. The device may determine a risk score indicating a likelihood of the high-risk transaction being performed by an unauthorized user. The device may selectively identify an authentication procedure, of a group of authentication procedures, based on the risk score. The device may provide authentication instructions for the authentication procedure to the user device to allow the user device to perform the authentication procedure.
    Type: Application
    Filed: October 5, 2021
    Publication date: January 27, 2022
    Inventors: Maria BERMUDEZ-CISNEROS, Darlene SCHWARTZ, Michelle KELO, Nicholas FLIEG, Adam RUBIN
  • Real-time selection of authentication procedures based on risk assessment
    Patent number: 11151568
    Abstract: A device may receive, from a server device, a real-time notification indicating that a field of a user account is being modified. The field may include personal information of a user associated with the user account and/or information identifying authorized users of the user account. The device may receive, from a user device, a request associated with a high-risk transaction involving the user account. The device may determine a risk score indicating a likelihood of the high-risk transaction being performed by an unauthorized user. The device may selectively identify an authentication procedure, of a group of authentication procedures, based on the risk score. The device may provide authentication instructions for the authentication procedure to the user device to allow the user device to perform the authentication procedure.
    Type: Grant
    Filed: May 9, 2018
    Date of Patent: October 19, 2021
    Assignee: Capital One Services, LLC
    Inventors: Maria Bermudez-Cisneros, Darlene Schwartz, Michelle Kelo, Nicholas Flieg, Adam Rubin
  • REAL-TIME SELECTION OF AUTHENTICATION PROCEDURES BASED ON RISK ASSESSMENT
    Publication number: 20190347666
    Abstract: A device may receive, from a server device, a real-time notification indicating that a field of a user account is being modified. The field may include personal information of a user associated with the user account and/or information identifying authorized users of the user account. The device may receive, from a user device, a request associated with a high-risk transaction involving the user account. The device may determine a risk score indicating a likelihood of the high-risk transaction being performed by an unauthorized user. The device may selectively identify an authentication procedure, of a group of authentication procedures, based on the risk score. The device may provide authentication instructions for the authentication procedure to the user device to allow the user device to perform the authentication procedure.
    Type: Application
    Filed: May 9, 2018
    Publication date: November 14, 2019
    Inventors: Maria BERMUDEZ-CISNEROS, Darlene SCHWARTZ, Michelle KELO, Nicholas FLIEG, Adam RUBIN