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

Claim 10:
11. A computing device comprising:
one or more processors; and
memory storing instructions that, when executed by the one or more processors, cause the computing device to:
receive, from a user device, a request for access to an account associated with a user;
retrieve transaction data for the account, wherein the transaction data indicates a plurality of transactions;
generate, based on the transaction data, for each transaction of the plurality of transactions, machine learning inputs;
provide the machine learning inputs to a machine learning algorithm to yield one or more machine learning outputs;
generate, based on the one or more machine learning outputs, a spending pattern associated with the user;
determine a deviation between:
the spending pattern associated with the user, and
a spending pattern for an average user;

generate, based on the deviation, a question to authenticate the user;
receive, from the user device, a response to the question; and
provide, to the user device and based on the response to the question, access to the account.