Patent ID: 11941631
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 15:
16. A non-transitory computer-readable medium storing instructions, the instructions comprising:
one or more instructions that, when executed by one or more processors of a first device, cause the one or more processors to:
receive, from a first user device of a plurality of user devices associated with a network, a request to extend credit to a user of the first user device, or a request to approve a transaction associated with the user of the first user device,
wherein a communication session is established between the first user device and a second user device of the plurality of user devices;

obtain, from the first user device and after receiving the request to extend credit or the request to approve the transaction, device identification information associated with the first user device, and data regarding the network,
wherein the device identification information and the data regarding the network are obtained via a trust application configured to detect a network issue,
wherein the trust application is installed on the first user device and the second user device,
wherein network activity of the plurality of user devices is monitored via the trust application, and
wherein inappropriate network activity, associated with the first user device and that includes at least one of hacking, phishing, spamming, or harassing activity on the network, is identified based on monitoring the network activity via the trust application;

receive, from a trust platform, via the trust application, and based on monitoring the network activity, a first score associated with the first user device and a second score associated with the network,
wherein the second score is based on one or more scores, provided to the trust platform from the second user device, relating to a level of trustworthiness of the network;

limit, based on the inappropriate network activity being identified, available bandwidth to the first user device by at least one of:
capping an upload speed associated with the first user device,
capping a download speed associated with the first user device, and/or
capping a total available network data usage associated with the first user device; and

perform, by the device, and based on at least one of the first score or the second score, an action that includes at least one of approving or rejecting the request to extend credit or the transaction.