US Patent Issued to Capital One Services on April 22 for "Authenticating based on behavioral transactional patterns" (New York, Georgia, Pennsylvania, Virginia, Texas Inventors)

ALEXANDRIA, Va., June 6 -- United States Patent no. 12,282,922, issued on April 22, was assigned to Capital One Services LLC (McLean, Va.).

"Authenticating based on behavioral transactional patterns" was invented by Joshua Edwards (Philadelphia), David Septimus (New York), Samuel Rapowitz (Roswell, Ga.), Jenny Melendez (Falls Church, Va.), Tyler Maiman (Melville, N.Y.) and Viraj Chaudhary (Katy, Texas).

According to the abstract* released by the U.S. Patent & Trademark Office: "Aspects described herein may allow for authenticating a user by generating a customized set of authentication questions based on patterns that are automatically detected and extracted from user data. The user data may include transaction data collected over a perio...