Patent ID: 11960592
Assignee: CAPITAL ONE SERVICES, LLC
Field: Digital communication (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 9:
10. A computing device comprising:
one or more processors; and
memory storing instructions that, when executed by the one or more processors, cause the computing device to:
receive a request for access to an account associated with a user, wherein the request for access comprises candidate authentication information associated with the account;
query an account database for account data corresponding to the account; and
in response to determining, based on comparing the candidate authentication information with the account data, that a first portion of the candidate authentication information comprises a valid user identifier for the account and that a second portion of the candidate authentication information does not correspond to the account:
generate, based a first transaction indicated by the account data, a synthetic transaction by:
processing the account data to determine a plurality of merchants; and
identifying a first merchant not included in the plurality of merchants, wherein the synthetic transaction comprises a synthetic financial transaction conducted at the first merchant;

generate, based on the synthetic transaction, a synthetic authentication question, wherein the synthetic authentication question indicates that the second portion of the candidate authentication information is valid;
generate, based on a second transaction indicated by the account data, a different authentication question;
perform further authentication by causing presentation of the synthetic authentication question and the different authentication question;
receive a first candidate response to the synthetic authentication question and a second candidate response to the different authentication question; and
deny access to the account.