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

Claim 11:
12. A method for multi-level user authentication, the method comprising:
logging a user onto an application associated with a computing device by:
receiving, at the application, 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, with the application, that the first user credential matches a stored user credential;

displaying, on the application, a plurality of user account options;
receiving, by the application, a user selection of a second-level user account option;
displaying a request to verify an identity of the user in response to the selection of the second-level user account option;
verifying the identity of the user by:
receiving, by the application, card information from a card by:
accessing, with the application, a digital wallet on a user device, the digital wallet comprising the card; and
retrieving, with the application, data associated with the card; and

verifying, with the application, that an account-holder of the card is associated with the user profile based on the card information; and

providing, by the application, access to the second-level user account option, wherein the method is performed on the user device.