Patent ID: 11943222
Assignee: CAPITAL ONE SERVICES, LLC
Field: Digital communication (Electrical engineering)
Classification: CPC H  G | IPC H

Claim 10:
11. An improved method for security authentication comprising:
generating, via a server system, a pre-configured authentication preference scheme based on authentication preferences comprising at least one of preferred authorization providers, preferred authorization provider mode of communication, response timing preferences, and a preferred prioritization scheme for authorization providers, wherein a preferred authorization provider from among the preferred authorization providers is included in the pre-configured authentication preference scheme after an elapse of an initiation time period, and the preferred authorization provider is prohibited from the pre-configured authentication preference scheme during the initiation time period, the server system comprising a non-transitory memory including computer program code and a processor;
storing, in a database communicatively coupled to the server system, the generated pre-configured authentication preference scheme;
receiving, via the server system, a request for security authentication from an initiating computing device, wherein the request for security authentication is received after the generated pre-configured authentication preference scheme is stored; and
initiating, based on the received request for security authentication a security authentication process, wherein the security authentication process comprises transmitting authentication information to an authorization providing computing device from among a plurality of computer devices sequentially in accordance with the pre-configured authentication preference scheme, the security authentication process comprising the steps of:
determining, via the server system, an authorization providing computing device based on the pre-configured authentication preference scheme, wherein the authorization providing computing device and the initiating computing device are distinct;
generating and transmitting, via the server system, authentication information to the determined authorization providing computing device in accordance with the preferred authorization provider mode of communication;
receiving, via the server system, an approval from the determined authorization providing computing device; and
completing, via the server system, the request for security authentication when an approval is received.