Patent ID: 11948150
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G

Claim 8:
9. A method, comprising:
receiving, by at least one processor, an activity data associated with a user;
wherein the activity data comprises at least two user activity profiles;

receiving, by the at least one processor, a user request, via physical access instrument generation module, to access the at least two user activity profiles;
receiving, by the at least one processor, in response to the user request to access the at least two user activity profiles, an authentication request to authenticate an identity of the user;
generating, by the at least one processor, at least one security challenge to identify the user;
wherein in the at least one security challenge is based at least in part on a first user activity profile of the at least two user activity profiles;

establishing, by the at least one processor, a communication link with a mobile device of the user;
utilizing, by the at least one processor, the communication link to instruct an application, executed on the mobile device of the user, to display the authentication request to the user;
receiving, by the at least one processor, at least one security response to the at least one security challenge from the mobile device;
wherein the at least one security response comprises a first profile identifier associated with the first physical access instrument;

authenticating, by the at least one processor, the user based on the at least one security response;
authorizing, by the at least one processor, user access to the at least two user activity profiles;
receiving, by the at least one processor, a user selection of a second user activity profile of the at least two user activity profiles;
wherein the second user activity profile of the at least two user activity profiles is associated with:
a) a second profile identifier, and
b) a second physical access instrument,
wherein the second physical access instrument comprises a first security measure;

receiving, by the at least one processor, a user request, via a graphical user interface, to replace the second physical access instrument;
generating, by the at least one processor, a third profile identifier to replace the second profile identifier;
updating, by the at least one processor, the activity data to include the third profile identifier;
instructing, by the at least one processor, a physical access instruments generation module to generate and dispense a third physical access instrument associated with the second user activity profile;
wherein the third physical access instrument includes:
a) the third profile identifier, and
b) a second security measure that is different from the first security measure;

wherein the physical access instruments generation module comprises a plurality of blank physical access instruments.