18243334. Email Processing for Improved Authentication Question Accuracy simplified abstract (Capital One Services, LLC)

Email Processing for Improved Authentication Question Accuracy

Organization Name

Capital One Services, LLC

Inventor(s)

Viraj Chaudhary of Katy TX (US)

Vyjayanthi Vadrevu of Pflugerville TX (US)

Tyler Maiman of Melville NY (US)

David Septimus of New York NY (US)

Samuel Rapowitz of Roswell GA (US)

Jenny Melendez of Falls Church VA (US)

Joshua Edwards of Philadelphia PA (US)

Email Processing for Improved Authentication Question Accuracy - A simplified explanation of the abstract

This abstract first appeared for US patent application 18243334 titled 'Email Processing for Improved Authentication Question Accuracy

Simplified Explanation

Methods, systems, and apparatuses are described in this patent application for improving the accuracy of authentication questions using e-mail processing. Here's a simplified explanation of the abstract:

• A user device sends a request for access to an account.
• The system identifies a list of organizations associated with the account.
• The system processes the e-mails associated with the account to determine which organizations the user has conducted transactions with.
• A modified list of organizations is generated by removing the organizations identified in the previous step.
• An authentication question is generated and sent to the user device.
• The system receives a response to the authentication question.
• Based on the response, the user device is granted access to the account.

Potential applications of this technology:

• Enhancing the security of online accounts by adding an extra layer of authentication.
• Streamlining the authentication process by using e-mail data to generate personalized questions.
• Improving the accuracy of authentication questions by considering the user's transaction history.

Problems solved by this technology:

• Traditional authentication methods may be vulnerable to hacking or unauthorized access.
• Users may struggle to remember complex passwords or security questions.
• Existing authentication questions may be too generic and easily guessable.

Benefits of this technology:

• Increased security for online accounts by using personalized authentication questions.
• Reduced risk of unauthorized access or identity theft.
• Improved user experience with a more streamlined and efficient authentication process.

Original Abstract Submitted

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.