US Patent Issued to Capital One Services on Dec. 30 for "Systems and methods for cross coupling risk analytics and one-time-passcodes" (Massachusetts Inventors)

ALEXANDRIA, Va., Dec. 31 -- United States Patent no. 12,511,365, issued on Dec. 30, was assigned to Capital One Services LLC (McLean, Va.).

"Systems and methods for cross coupling risk analytics and one-time-passcodes" was invented by William Duane (Westford, Mass.) and Kevin Osborn (Newton, Mass.).

According to the abstract* released by the U.S. Patent & Trademark Office: "Example embodiments provide systems and methods for validating an action using a physical token, such as a near-field-communications (NFC)-capable chip. A server may receive a request to perform the action, and may require validation from the holder of the physical token. The holder of the physical token may log into an application using their login credentials, provid...