Patent ID: 11961085
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 16:
17. The method of claim 11, wherein the one or more fraud prevention actions to authenticate the customer further comprise:
authenticating the customer when a geographic location of the customer is within a predetermined distance threshold of the merchant location; and
when a geographic location of the customer is outside of the predetermined distance threshold of the merchant location:
causing a mobile device associated with the customer to prompt the customer to perform a secondary authentication process;
responsive to receiving, from the mobile device, an indication that the customer failed the secondary authentication process, not authenticating the customer, wherein the secondary authentication process comprises one or more processes of a facial-recognition process, a fingerprint scan recognition, and a password entry; and
responsive to receiving, from the mobile device, an indication that the customer passed the secondary authentication process, authenticating the customer and approving a transaction.