Patent ID: 11900377
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A method comprising:
receiving, from a user device, a request for access to an account associated with a user;
retrieving transaction data for the account, wherein the transaction data indicates a plurality of transactions;
generating, based on the transaction data, for each transaction of the plurality of transactions, machine learning inputs;
providing the machine learning inputs to a machine learning algorithm to yield one or more machine learning outputs;
generating, based on the one or more machine learning outputs, a spending pattern associated with the user;
determining a deviation between:
the spending pattern associated with the user, and
a spending pattern for an average user;

generating, based on the deviation, a question to authenticate the user;
receiving, from the user device, a response to the question; and
providing, to the user device and based on the response to the question, access to the account.