Patent ID: 11902275
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:
receive, 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;

send, based on receiving the notification, an authentication request to a user device associated with the user,
wherein the authentication request includes a message indicating that the user is to provide a contextual description that describes the set of parameters of the operation;

receive, from the user device, an authentication response that includes the contextual description;
authenticate the user based on a context-based authentication score satisfying an authentication threshold score,
wherein the context-based authentication score is determined based on quantity of characteristics, of a set of described characteristics, within the contextual description, that are associated with the set of parameters of the operation; and

cause, based on authenticating the user, performance of the operation.