ALEXANDRIA, Va., Jan. 28 -- United States Patent no. 12,538,341, issued on Jan. 27, was assigned to Capital One Services LLC (McLean, Va.).

"Systems and methods for restricting resource access" was invented by Armando Martinez Stone (McLean, Va.), Samuel Rapowitz (Roswell, Ga.) and Bryant Yee (Silver Spring, Md.).

According to the abstract* released by the U.S. Patent & Trademark Office: "Methods and systems for limiting resource access based on user input using an authentication token. In some aspects, the authentication token receives user input indicating a first allocation for a first resource access to be executed at a first time. The authentication token generates recommendations for a second allocation related to the first allocati...