Patent ID: 11861613
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A system for identifying a secondary card user comprising:
one or more processors; and
a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:
receive, from a first user via a first user device, a baseline gait by:
receiving, from the first user via the first user device, a first indication to begin recording a first gait of the first user;
recording the first gait of the first user over a first period of time;
receiving, from the first user via the first user device, a second indication to stop recording the first gait of the first user; and
responsive to receiving the second indication, ceasing recording the first gait of the first user;

receive transaction information associated with a transaction, the transaction information comprising an account number associated with the first user, wherein the transaction is conducted during a second period of time;
determine, using a machine learning model, whether the transaction is associated with a second user by:
receiving a movement pattern of a transaction card detected and transmitted by the transaction card during the second period of time;
receiving a second gait of the second user detected by the transaction card based on the movement pattern of the transaction card during the second period of time;
comparing the second gait of the second user and the baseline gait; and
determining whether a comparison of the second gait of the second user and the baseline gait exceeds a first predetermined threshold;

determine whether a secondary device associated with the second user is within a predetermined distance of the transaction card;
responsive to determining the transaction is associated with the second user and determining the secondary device is within the predetermined distance of the transaction card, transmit a first prompt to the first user device, the first prompt comprising a request to confirm or deny the transaction;
receive, via the first user device, a first user selection confirming the transaction;
responsive to receiving the first user selection confirming the transaction, determine whether the transaction exceeds a second predetermined threshold; and
responsive to determining the transaction exceeds the second predetermined threshold, transmit a second prompt to the first user device, the second prompt comprising a recommendation to designate the second user as an authorized user of the account number.