17530130. ALTERNATIVE IDENTITY VERIFICATION AND AUTHORIZATION METHOD simplified abstract (Capital One Services, LLC)

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ALTERNATIVE IDENTITY VERIFICATION AND AUTHORIZATION METHOD

Organization Name

Capital One Services, LLC

Inventor(s)

Lin Ni Lisa Cheng of New York NY (US)

Asher Smith-rose of Arlington VA (US)

Tyler Maiman of Melville NY (US)

Shabnam Kousha of Washington DC (US)

Joshua Edwards of Philadelphia PA (US)

ALTERNATIVE IDENTITY VERIFICATION AND AUTHORIZATION METHOD - A simplified explanation of the abstract

This abstract first appeared for US patent application 17530130 titled 'ALTERNATIVE IDENTITY VERIFICATION AND AUTHORIZATION METHOD

Simplified Explanation

The patent application describes a method for verifying and authorizing the identity of a user through a content-based response.

  • The system generates and sends a message to the user's device, requesting a content-based response for authentication.
  • The content-based response can include SMS metadata, emoji, photo, video, audio, or a combination of these.
  • The system receives the content-based response from the user and compares it to a preselected response key.
  • If there is a confirmed match between the user's response and the preselected key, the user is authenticated.

Potential applications of this technology:

  • Identity verification for online platforms and services.
  • Secure access control for physical locations or digital assets.
  • Two-factor authentication for enhanced security.

Problems solved by this technology:

  • Provides a more secure and reliable method for verifying user identity compared to traditional methods like passwords or PINs.
  • Reduces the risk of unauthorized access or identity theft.
  • Offers a more user-friendly and engaging authentication process.

Benefits of this technology:

  • Enhanced security and protection against identity fraud.
  • Improved user experience with a more interactive and personalized authentication process.
  • Flexibility in choosing the type of content-based response, allowing users to authenticate in a way that suits their preferences.


Original Abstract Submitted

Systems, methods, and non-transitory computer readable medium disclosed herein relate to identity verification and authorization method. In one embodiment, the system can generate and send a message to a device associated with a user based on an initiated request from the user and a determination the user should be authenticated, wherein the message requests a content-based response from the user to authenticate the user. In another embodiment, the system can receive the content-based response from the user in reply to the message, wherein the content-based response comprises SMS (short message service) metadata, emoji, photo, video, audio, or a combination thereof. In another embodiment, the system can authenticate the user based on a determination of a confirmed match between the content-based response from the user and a response key preselected by the user.

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