Patent ID: 11916920
Assignee: CAPITAL ONE SERVICES, LLC
Field: Digital communication (Electrical engineering)
Classification: CPC H  G | IPC G  H

Claim 14:
15. A non-transitory computer-readable medium storing a set of instructions, the set of instructions comprising:
one or more instructions that, when executed by one or more processors of a system, cause the system to:
obtain, based on user preferences information associated with an account that a user has with an organization, a smart contract that specifies permissible types of account access information that the user has consented to having monitored,
wherein the user preferences information is added to a distributed ledger that is used for managing access to the account, and
wherein the user preferences information specifies two or more of:
which types of account access information of the user is permitted to be monitored,
when the account access information of the user is permitted to be monitored, or
how the account access information of the user is permitted to be monitored; and

determine one or more account security scores based on providing the account access information as input to the smart contract.