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US 2021/0233086 A1Published application
Account security system
AssigneeCapital One Services, LLC
InventorsJoshua EDWARDS, Michael MOSSOBA, Abdelkader BENKREIRA
Life of this patent
Estimating the term…
Abstract
A webcam account security system that allows a user to require activation of a webcam when accessing an account. The system may prompt a user attempting to access the account to activate the webcam and may deny access to the account or require additional security procedures when access to the webcam is not granted. Additionally, the system may store any images or footage captured by the webcam for analysis in the case a fraud notification is received. The system may further deny access to the account when the webcam is unable to detect the face or an identifying characteristic of the person attempting to access the account.
Claims20
A system comprising:
- a customer authentication system configured to authenticate a customer to access an account associated with an account identifier provided by a user device;
- a database configured to store an account information about the account associated with the account identifier wherein the account information includes an image authentication preference;
- an account server configured to:
- retrieve the account information from the database when the customer authentication system authenticates the customer;
- receive from the database the account information;
- determine whether the image authentication preference is on;
- provide a prompt to the user device to activate a camera on the user device;
- receive an electronic image from the user device when the prompt is accepted;
- and
- deny access to the account when the prompt is not accepted;
- and
- a security processor configured to receive the electronic image from the account server, wherein the security processor is configured to:
- determine whether the electronic image contains an identifiable face;
- and
- allow access to the account associated with the account identifier when the electronic image contains the identifiable face.
12 more elements
A method comprising:
- receiving an account identifier from a user device;
- authenticating a customer to access an account associated with the account identifier provided by the user device;
- providing a prompt for the user device to activate a camera on the user device;
- receiving a response from the user device indicating whether the camera has been activated;
- denying access to the account when the response indicates that the camera has not been activated;
- receiving an electronic image footage when the user device has been activated;
- storing the electronic image footage on a database;
- associating the electronic image footage with the account identifier;
- analyzing the electronic image footage to determine whether there is facial identification;
- allowing the user device to access the account associated with the account identifier when there is facial identification in the electronic image footage;
- and
- preventing the user device from accessing the account associated with the account identifier when there is no facial identification in the electronic image footage.
9 more elements
A fraud detection method comprising:
- receiving an electronic image received from a first user device while the first user device effectuates a first transaction;
- storing on a remote database a first electronic image captured from the first user device;
- associating the first electronic image with the first transaction on the remote database;
- receiving the electronic image received from a second user device while the second user device effectuates a second transaction;
- storing on the remote database a second electronic image captured from the second user device;
- associating the second electronic image with the second transaction on the remote database;
- receiving a fraud notification associated with the first transaction;
- retrieving the first electronic image from the remote database;
- analyzing the first electronic image to detect an identifying characteristic;
- determining whether the identifying characteristic is present in the second electronic image;
- identifying a second account when the identifying characteristic is in the second electronic image;
- and
- preventing access to the second account when the identifying characteristic is determined to be present in the second electronic image above a known degree of certainty.
10 more elements
Dependencies are inferred from the claim text.