Patent ID: 11902275
Assignee: CAPITAL ONE SERVICES, LLC
Field: Digital communication (Electrical engineering)
Classification: CPC H  G | IPC G  H

Claim 7:
8. A method for authenticating a user, comprising:
receiving, by a device and based on receipt of a session input, a notification to authenticate a user associated with a user account of an application server,
wherein the session input includes a set of variables that correspond to a set of parameters of an operation of the application server, and
wherein the notification includes an account identifier of the user account and the set of parameters of the operation;

identifying, by the device and based on the account identifier, a plurality of user devices that are associated with the user;
selecting, by the device and based on a type of the operation, a user device from the plurality of user devices to be used to authenticate the user;
sending, by the device and to the user device, an authentication request that prompts the user to provide a contextual description that describes the set of parameters of the operation;
receiving, by the device and from the user device, an authentication response that includes the contextual description;
determining, by the device, a context-based authentication score based on a quantity of characteristics, of a set of described characteristics, within the contextual description, that are determined to be associated with the set of parameters of the operation; and
causing, by the device and based on a the context-based authentication score satisfying an authentication threshold score, performance of the operation based on the parameter of the operation.