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

Claim 13:
14. At least one non-transitory computer-readable storage medium comprising instructions that, when executed, cause a system to:
process registration information to register a plurality of computing devices for authentication to perform transactions against a financial account, and wherein at least one computing device of the plurality of computing devices comprises an integrated circuit being configured to execute electronic transactions against the financial account;
receive, from a first computing device, a request for a pending transaction against the financial account;
select an authentication protocol that comprises a multifactor authentication process to authenticate the request, the selection of the authentication protocol comprises:
determine the first computing device is a member of the plurality of computing devices based upon the registration information;
receive, via the first computing device, data from a second computing device, the data identifying the second computing device and the second computing device is within a configurable distance from the first computing device;
determine the second computing device is another member of the plurality of computing devices based upon the registration information; and
omit a requirement from the multifactor authentication process, the requirement for a credential item or a non-credential data item, when authorizing the pending transaction based on the first computing device and the second computing device being members of the plurality of computing devices.