Patent ID: 11922417
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 16:
17. A computer readable non-transitory medium comprising computer executable instructions that, when executed by a server, perform procedures comprising the steps of:
receiving, by the server, a cryptogram, the cryptogram comprising user identification information;
performing, by the server, a first factor authentication, wherein the first factor authentication comprises:
decrypting, by the server, the cryptogram, and
verifying by the server, the user identification information in the cryptogram;
transmitting, by the server in response to a successful first factor authentication, a first message to an application executing on a device;
receiving, by the server, a data set from the application;
performing, by the server, a second factor authentication comprising verifying the data set; and
generating, by the server, a second message indicative of a two factor authentication.