17932431. MULTI-FACTOR AUTHENTICATION USING LOCATION DATA simplified abstract (Capital One Services, LLC)
Contents
MULTI-FACTOR AUTHENTICATION USING LOCATION DATA
Organization Name
Inventor(s)
Allison Fenichel of Brooklyn NY (US)
John Oliva Gilling of Brooklyn NY (US)
Aditya Pai of Brooklyn NY (US)
MULTI-FACTOR AUTHENTICATION USING LOCATION DATA - A simplified explanation of the abstract
This abstract first appeared for US patent application 17932431 titled 'MULTI-FACTOR AUTHENTICATION USING LOCATION DATA
Simplified Explanation
The abstract of this patent application describes a method for authenticating access attempts to an account based on location data associated with exchanges. Here is a simplified explanation of the abstract:
- A device obtains location data associated with exchanges at different levels of granularity.
- The device uses this data to authenticate access attempts to an account by providing authentication queries based on the location data.
- The access attempt is authenticated based on responses to the authentication queries.
Potential Applications of this Technology: - Secure access to accounts or sensitive information - Enhancing authentication processes for improved security
Problems Solved by this Technology: - Mitigating unauthorized access to accounts - Strengthening authentication methods
Benefits of this Technology: - Improved security for accounts - Enhanced user authentication experience
Potential Commercial Applications of this Technology: - Banking and financial institutions - E-commerce platforms - Online service providers
Possible Prior Art: - Two-factor authentication methods - Location-based authentication systems
Unanswered Questions: 1. How does this technology handle cases where the location data is inaccurate or unavailable? 2. What measures are in place to prevent spoofing or manipulation of the location data used for authentication?
Original Abstract Submitted
In some implementations, a device may obtain first location data associated with one or more exchanges, where the first location data is associated with a first level of granularity. The device may determine second location data associated with the one or more exchanges based on records associated with the one or more exchanges, where the second location data is associated with a second level of granularity that is higher than the first level of granularity. The device may detect an authentication event associated with an access attempt to the account. The device may provide, based on detecting the authentication event, one or more authentication queries that are based on the second location data. The device may authenticate the access attempt to the account based on one or more responses to the one or more authentication queries.
