Patent ID: 11861600
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 17:
18. A system for multi-level user authentication, the system comprising:
a computing device including an application;
one or more processors operable to run the application; and
a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:
log a user onto the application by:
receiving a first user credential associated with a user profile of the user, the first user credential comprising at least one of: biometric data, a gesture, or a username and password combination; and
determining that the first user credential matches a stored second user credential;

display, on the application, a plurality of user account options;
receive, by the application, a user selection of a second-level user account option;
display a request to verify an identity of the user in response to the selection of the second-level user account option, wherein the second-level user account option includes one or more of: a payment transfer, a payment request, a personal identification number (PIN) change request, a card activation request, or an address change request, wherein an activated status of a transaction card corresponds to the transaction card being enabled for commercial transactions;
verify the identity of the user by:
receiving, by the application, card information from the transaction card; and
verifying, with the application, that an account-holder of the transaction card is associated with the user profile based on the card information;

provide, by the application, access to the second-level user account option;
send, with the application, the card information and the card activation request to an account provider server;
receive, at the application, a status of the card activation request, the status including activated or denied; and
display, by the application, the status of the card activation request.