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20250175465. Authenticating User (Capital One Services, LLC)

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AUTHENTICATING USER ACTIONS USING ARTIFICIAL INTELLIGENCE

Abstract: methods and systems are described herein for authenticating user actions, while preventing social engineering attacks on the user. a request may be received for performing an action. the system may obtain, based on a plurality of parameters, a plurality of natural language representations of the action and prompt the user, on the user's mobile device, to describe what the user is attempting to do. the system may then use a machine learning model to determine whether the requested action matches the user's response. based on determining that the natural language response matches a natural language representation, the system may generate a communication indicating that the action has been authenticated.

Inventor(s): Erik NEIGHBOUR, Lea CODY

CPC Classification: H04L63/0884 ({by delegation of authentication, e.g. a proxy authenticates an entity to be authenticated on behalf of this entity vis-à-vis an authentication entity})

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