Patent ID: 11869004
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 7:
8. A computer-implemented method, the method comprising:
processing registration information comprising at least one identifier for each computing device of a plurality of computing devices having authority over a financial account, and wherein at least one computing device comprising an integrated circuit being configured to execute electronic transactions against the financial account;
receiving, from a first computing device, a transaction request for a pending transaction against the financial account, the pending transaction being submitted by the first computing device;
selecting an authentication protocol to use to authenticate the transaction request, wherein the selecting comprises:
determining the first computing device is a member of the plurality of computing devices based upon the registration information;
receiving data identifying a second computing device within a same network as the first computing device, wherein the data identifying the second computing device is received from the first computing device;
determining the second computing device is the member of the plurality of computing devices based upon the registration information and the data identifying the second computing device; and
upon determining that the second computing device is another member of the plurality of computing devices, selecting the authentication protocol that omits a factor from a multifactor authentication process from executing to perform the pending transaction.