Patent ID: 11954187
Assignee: CAPITAL ONE SERVICES, LLC
Field: nan (nan)
Classification: CPC nan | IPC G

Claim 14:
15. A computer-implemented method comprising:
receiving a request for authorization to perform an action relating to a financial account;
receiving, from one or more databases, financial transaction data relating to the financial account;
generating, based on the financial transaction data, an authorization question for determining whether to perform the action relating to the financial account;
generating, based on the financial transaction data and the authorization question, a correct answer to the authorization question;
providing the authorization question to a user;
determining, based on comparing a first timestamp associated with the providing the authorization question to the user and a second timestamp associated with a login access to the financial account, the login access to the financial account is detected after the providing the authorization question to the user;
receiving a response to the authorization question; and
denying, based on the determining the login access to the financial account is detected after the providing the authorization question to the user, the request for authorization to perform the action relating to the financial account based on the response to the authorization question.